Cathay Pacific

This card is worth a look if you already know you want Asia Miles and expect to redeem them for Cathay Pacific or partner flights. The $95 annual fee is modest by airline card standards, and the welcome bonus can provide decent upfront value if you have a clear use for the miles.

For most readers, though, the long-term case is narrow. The rewards rates are fairly modest, there are no listed ongoing benefits to help offset the annual fee, and the card does not bring the travel perks that often make airline cards easier to justify. If you want flexible travel rewards or a stronger everyday earner, you will likely get better value elsewhere. This one makes the most sense for someone collecting Cathay Pacific miles on purpose.