Cathay Pacific Asia Miles Credit Cards

Compare cards that earn rewards points that can be transferred to Asia Miles for flights and upgrades. Australian transfer partners include Amex Membership Rewards, ANZ Rewards, Citi Rewards, NAB Rewards, and Westpac Altitude Rewards.

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Updated 17 Apr 2025   |   Rates updated regularly

Comparing of 13 Cathay Pacific Asia Miles credit cards

FeaturedApply by 27 May 2025
American Express Platinum Business Card

American Express Platinum Business Card

4.2

Rewards program

Membership Rewards

Points per $1 spent

1.13 Asia Miles after transfer

2.25 Membership Rewards Points

Sign up bonus

125,000 Asia Miles after transfer

250,000 Membership Rewards Points

Annual fee

$875.00 for 1st year

Details

  • Get 250,000 bonus Membership Rewards points by applying before 27 May 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros & cons

Pros
  • The offer of 250,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 99 employee cards at no extra cost.
Cons
  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
American Express Business Explorer Credit Card

American Express Business Explorer Credit Card

4.6

Rewards program

Membership Rewards

Points per $1 spent

1 Asia Mile after transfer

2 Membership Rewards Points

Sign up bonus

25,000 Asia Miles after transfer

50,000 Membership Rewards Points

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Includes 2 Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive complimentary travel insurance when you book your return flight with your card.

Pros & cons

Pros
  • Earn up to 2 points per $1 spent on eligible purchases.
  • Earn 1 point per $1 spend on ATO and government transactions.
  • Use your points to pay off transactions, utilities, annual fee and more.
  • Redeem your rewards for flights, hotel reservations, or car rentals.
  • Transfer points to Virgin Australia, Air New Zealand and Hilton Honors.
  • Shop with your points at Apple, Ikea, JB Hi-Fi and more.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.
  • With the Amex App, you can Monitor business spend and activity 24x7.
  • Manage your account anytime and anywhere with Live Chat Service
Cons
  • There is an annual fee of $149.
  • A 3% foreign transaction fee is in effect.
  • There is no balance transfer offer.
  • Cash advances are blocked, which might be inconvenient for some.
Apply by 17 June 2025
American Express Business Gold Plus Card

American Express Business Gold Plus Card

3.5

Rewards program

Membership Rewards

Points per $1 spent

0.75 Asia Miles after transfer

1.50 Membership Rewards Points

Sign up bonus

50,000 Asia Miles after transfer

100,000 Membership Rewards Points

Annual fee

$395.00 p.a. ongoing

Details

  • Receive 100,000 Membership Rewards bonus points by applying before 17 June 2025, getting approved, and spending $5,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Receive up to $550 credit back for spend with Xero, Google Ads, Meta, Amazon Web Services and Dell. Terms and Conditions apply.
  • Earn 3 points per $1 spent on Xero, Google Ads, Meta, Amazon Web Services and Dell, up to 2 points per $1 spent on AccessLine, 1.5 points per $1 spent on everyday spend, and 1 point on government spend.

Pros & cons

Pros
  • Receive 100,000 bonus Membership Reward points when you meet the criteria.
  • Earn unlimited points with no cap, and your points never expire.
  • Membership Rewards points can be transferred to airline and hotel partners, including Virgin Australia, Air New Zealand, and Hilton Honors.
  • You can also redeem your points for gift cards from top retailers like Apple, IKEA, JB Hi-Fi, and more.
  • Add 2 employee cards at no extra cost.
  • Experience enhanced flexibility with no pre-set spending limit.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Travel worry-free with complimentary domestic and international travel insurance, covering trip cancellations, delays, lost baggage, medical emergencies, and more.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Once a total of 200,000 points is earned in a calendar year, the everyday business earn rate will change from 3 to 1 point per $1 spent.
  • The $75 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
Apply by 30 April 2025
Westpac Altitude Black Credit Card (Altitude)

Not available for application via this website

Westpac Altitude Black Credit Card (Altitude)

3.7

Rewards program

Altitude Rewards

Points per $1 spent

0.42 Asia Miles after transfer

1.25 Altitude Rewards points

Sign up bonus

33,333 Asia Miles after transfer

100,000 Altitude Rewards points

Annual fee

$200.00 for 1st year

Details

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
Westpac Altitude Platinum Credit Card (Altitude)

Not available for application via this website

Westpac Altitude Platinum Credit Card (Altitude)

4.8

Rewards program

Altitude Rewards

Points per $1 spent

0.33 Asia Miles after transfer

1 Altitude Rewards point

Sign up bonus

30,000 Asia Miles after transfer

90,000 Altitude Rewards points

Annual fee

$99.00 for 1st year

Details

  • Earn up to 120,000 bonus Altitude Rewards Points. Get 90,000 Altitude Rewards Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval, and an additional 30,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
  • Earn 3 Altitude points per $1 on Qantas, Jetstar and Virgin Australia flights bought in Australia, subject to eligibility criteria.
  • Earn 2 points per $1 spent on Uber, Uber Eats, Spotify Premium, Airbnb, and Overseas spend (including overseas purchases made from Australia).
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn up to 120,000 bonus Altitude Rewards Points when you meet the criteria.
  • Earn 1 point for every $1 spent on other eligible purchases.
  • The discounted annual fee for the first year.
  • Add 1 additional cardholder at no extra cost.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Altitude Rewards Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
ANZ Rewards Black Credit Card

Not available for application via this website

ANZ Rewards Black Credit Card

3.7

Rewards program

ANZ Rewards

Points per $1 spent

0.67 Asia Miles after transfer

2 ANZ Rewards Points

Sign up bonus

36,667 Asia Miles after transfer

110,000 ANZ Rewards Points and more

Annual fee

$375.00 p.a. ongoing

Details

  • Earn up to 160,000 ANZ Reward Points and $100 cashback. Get 110,000 points for spending $5,000 in the first 3 months, plus 50,000 bonus points after 15 months.
  • Earn 2 Reward Points for every $1 spent on eligible purchases, up to $5,000 per statement period. After that, earn 1 Reward Point per $1 spent.
  • Comes with complimentary International Travel Insurance.

Pros & cons

Pros
  • Receive up to 160,000 bonus ANZ Rewards points and $100 cashback when you meet the criteria.
  • The 160,000 ANZ Rewards points can be redeemed for an $700 digital gift card, $640 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • There is no cap on the number of points you can earn.
  • Includes complimentary Purchase Protection and Extended Warranty Insurance.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit of $15,000 gives you a higher spending capacity.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The earn rate drops from 2 points to 1 point per $1 after spending $5,000 in a statement period.
  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No introductory balance transfer offer.
NAB Rewards Platinum Credit Card

Not available for application via this website

NAB Rewards Platinum Credit Card

4.8

Rewards program

NAB Rewards

Points per $1 spent

0.33 Asia Miles after transfer

1 NAB Rewards Point

Sign up bonus

26,667 Asia Miles after transfer

80,000 NAB Rewards Points

Annual fee

$45.00 for 1st year

Details

  • Earn up to 100,000 bonus points. Get 80,000 bonus points upon spending $1,000 in the initial 60 days from the account approval date and an additional 20,000 bonus points when you keep your card for over 12 months. Terms and Conditions apply.
  • Earn 2 points on Webjet purchases, 1.5 NAB Rewards Points at eligible grocery stores, and 1 point on all other spending.
  • Redeem your points for cashback gift cards and travel deals.
  • Automatically redeem points to your flybuys, Velocity, or Accor Live Limitless account every week.
  • You can also transfer your NAB Rewards Points to Singapore Airlines KrisFlyer Miles, Cathay Membership Programme, or Air New Zealand Airpoints.

Pros & cons

Pros
  • Earn up to 100,000 bonus Points when you meet the criteria.
  • There’s no cap on the points you can earn.
  • Save $150 with a reduced first-year annual fee of just $45 p.a. (down from $195 p.a.).
  • 0% p.a. on balance transfers for 12 months.
  • Provides complimentary insurance for domestic, interstate, and international travel.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • Add a cardholder at no extra cost.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Access 24/7 assistance for travel and lifestyle needs with NAB Concierge Services.
  • NAB Defence protects your account from credit card fraud.
  • Supports Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.
Cons
  • A 3.5% fee applies to international transactions, which is common to this type of credit card.
  • The high variable purchase rate of 20.99% p.a. and cash advance rate of 21.74% p.a. can make this card costly if you carry a balance.
  • There is a 3% balance transfer fee, which can be added to the balance.
NAB Rewards Signature Credit Card

Not available for application via this website

NAB Rewards Signature Credit Card

4.8

Rewards program

NAB Rewards

Points per $1 spent

0.41 Asia Miles after transfer

1.25 NAB Rewards Points

Sign up bonus

N/A

Annual fee

$288.00 p.a. ongoing

Details

  • Earn 3 NAB Reward Points on all purchases made online with Webjet.
  • Earn 1.5 NAB Reward Points on every $1 spend on eligible purchases.
  • No cap on the number of points you can earn, although the earn rate reduces to 0.5 points on spend above $15,000 in a statement period.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros & cons

Pros
  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance.
  • Access to select airport lounges if your flight is delayed by 60 minutes or more.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • 0% p.a. on balance transfers for 12 months.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.
Cons
  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
NAB Rewards Business Signature Credit Card

Not available for application via this website

NAB Rewards Business Signature Credit Card

4.6

Rewards program

NAB Rewards

Points per $1 spent

0.41 Asia Miles after transfer

1.25 NAB Rewards Points

Sign up bonus

66,007 Asia Miles after transfer

200,000 NAB Rewards Points

Annual fee

$175.00 p.a. ongoing

Details

  • Receive 200,000 NAB Rewards Points upon spending $4,000 on everyday purchases within 60 days.
  • Triple the earning rate on overseas spending or purchases made at overseas stores and suppliers from Australia.
  • Double the earn rate on purchases made at partner departments and hardware stores.

Pros & cons

Pros
  • Receive a generous 200,000 bonus NAB Rewards Points when you spend $4,000 on everyday business purchases within 60 days of opening your account.
  • Earn 1.25 NAB Rewards Points per $1 spent on eligible everyday business purchases, with no cap.
  • ATO payments earn NAB Rewards Points at the same rate as everyday purchases.
  • NAB Rewards Points can be transferred to several other airline rewards programs, making it easier to find an awards seat.
  • Up to 44 interest-free days on purchases, giving you more flexibility and breathing room with your business expenses.
  • Complimentary NAB Commercial Cards Unauthorised Transaction Insurance and NAB Commercial Cards Transit Accident Insurance.
  • Works with major digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Additional cardholders don't come cheap.
  • Lacks complimentary international travel insurance.
  • No complimentary airline lounge passes.
ANZ Rewards Platinum Credit Card

Not available for application via this website

ANZ Rewards Platinum Credit Card

4.6

Rewards program

ANZ Rewards

Points per $1 spent

0.50 Asia Miles after transfer

1.50 ANZ Reward Points

Sign up bonus

33,333 Asia Miles after transfer

100,000 ANZ Reward Points and more

Annual fee

$149.00 p.a. ongoing

Details

  • Receive 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within 3 months after approval. Terms and Conditions apply.
  • Comes with complimentary insurance covers, including International Travel Insurance and Purchase Protection Insurance.
  • Earn ANZ Rewards Points on your everyday purchases.

Pros & cons

Pros
  • Earn 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • The 100,000 ANZ Rewards points can be redeemed for a $440 digital gift card, $400 cashback, or transferred to airline partners like Velocity or KrisFlyer.
  • Earn 1.5 points per $1 spent up to $2,000 per statement period.
  • No cap on the total number of points you can earn.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Get assistance from a Personal Concierge for restaurant reservations, hotel bookings, gift ideas, and more.
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.
  • Get 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • Adding a cardholder costs $65 annually.
  • The earn rate drops from 1.5 points to 0.5 points per $1 after spending $2,000 in a statement period.
  • No introductory balance transfer offer.
  • No lounge access.
HSBC Premier World Mastercard (Reward Plus)

Not available for application via this website

HSBC Premier World Mastercard (Reward Plus)

4.6

Rewards program

Rewards Plus

Points per $1 spent

0.75 Asia Miles after transfer

1.50 Rewards Plus points

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Choose between the HSBC Rewards Plus or HSBC Qantas Rewards programs, offering the flexibility to suit your needs.
  • No annual fee on the first year, $199 p.a. afterwards.
  • 0% p.a. balance transfer offer for 12 months, with a 2% transfer fee.

Pros & cons

Pros
  • With Rewards Plus, earn 1.5 points per $1 spent on eligible purchases, which you can redeem for cashback, gift cards, or travel.
  • With Qantas Rewards, earn 1.5 Qantas Points per $1 on eligible purchases in your first year, then 1 Qantas Point per $1 after that. Plus, enjoy offers from 27,000 local and global retail partners through HSBC’s home&Away Privilege Program.
  • The complimentary insurance coverage includes Domestic and International Travel Insurance, Transport Accident Insurance, Extended Warranty Insurance, and Price Protection Insurance, offering peace of mind for your travels and purchases.
  • With a starting credit limit of $10,000, you’ll have added flexibility for larger purchases.
  • Offers 10% off when you book with Agoda or Expedia.
  • Get access to over 1,000 airport lounges worldwide for a relaxing travel experience.
  • There are no fees when you get additional cards for your family members.
  • This card is compatible with Apple Pay and Google Pay.
  • Take control of your card with the HSBC Australia app.

Cons
  • No sign-up bonus offer at the moment.
  • There's a 3% foreign transaction fee.
  • Rewards Points are capped at 10,000 per statement or 120,000 per year.
Commonwealth Bank Ultimate Awards Credit Card

Not available for application via this website

Commonwealth Bank Ultimate Awards Credit Card

Rewards program

CommBank Awards or Qantas Frequent Flyer

Points per $1 spent

0.29 Asia Miles after transfer

1 CommBank Awards point

Sign up bonus

28,986 Asia Miles after transfer

100,000 CommBank Awards points

Annual fee

$420.00 p.a. ongoing

Details

  • Earn up to 100,000 CommBank Awards points or up to 70,000 Qantas Points. Receive 25,000 CommBank Awards points or 17,500 Qantas Points each month when you spend $3,000 or more per month for the first 4 months using your new Ultimate Awards credit card. Terms and Conditions apply.
  • Earn up to 3 Award Points per $1 on international transactions made in store and online, 2 Award Points per $1 on purchases at major supermarkets, department stores, petrol stations, dining, and utilities, up to $10,000 per statement period. After that, earn 1 point per $1 on all other purchases and 0.5 points per $1 once total spending exceeds $10,000 in a statement period.
  • No international transaction fees for purchases you make overseas or online.
  • Comes with Complimentary International Travel Insurance. T&Cs apply.

Pros & cons

Pros
  • Earn up to 100,000 CommBank Awards points or up to 70,000 Qantas Points when you meet the criteria.
  • Earn unlimited Awards Points or Qantas Points each year.
  • Includes access to over 1,300 airport lounges via Mastercard Travel Pass by DragonPass.
  • Redeem your earned points instantly at Myer and Flight Centre.
  • Add an extra cardholder for free and boost your points-earning potential.
  • Includes Complimentary Purchase Security, Price Guarantee, and Extended Warranty insurance.
  • Eligible customers get complimentary access to book flights and hotels through Travel Booking (provided by Hopper).
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay.
Cons
  • You can opt-in to earn Qantas Points for an annual fee of $90.
  • No monthly fee if you spend at least $4,000 per statement period; otherwise, it's $35 per month or $420 per year.
  • Relatively high purchase interest rate and cash advance interest rate.
  • Get up to 44 days interest-free on purchases, which is shorter than some other cards.
Commonwealth Bank Business Platinum Awards Credit Card

Not available for application via this website

Commonwealth Bank Business Platinum Awards Credit Card

3.7

Rewards program

CommBank Awards

Points per $1 spent

0.29 Asia Miles after transfer

1 CommBank Awards point

Sign up bonus

N/A

Annual fee

$300.00 p.a. ongoing

Details

  • Opt for either CommBank Awards points or Qantas Points (an annual fee of $30 applies).
  • Earn 1 Awards Point or 0.4 Qantas Points per dollar spent with your CommBank Awards Mastercard.
  • Get access to a unique collection of entertainment experiences and offers exclusively for Mastercard.

Pros & cons

Pros
  • Earn up to 300,000 points a year. Terms and Conditions apply.
  • Transfer your earned points to other travel programs.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance.
Cons
  • High annual fee.
  • The additional cardholder fee is $75.

Although no Australian credit cards directly earn Asia Miles, you can easily earn frequent flyer credit card rewards points and convert them to Asia Miles.

How to compare credit cards that earn Asia Miles

When comparing credit cards for earning Asia Miles, consider the following key factors:

  • Earning rates: You earn points per dollar spent on the card at this rate. The higher the earn rate, the better.
  • Conversion rates: This is the ratio of credit card rewards points needed to get one Cathay Pacific Asia Mile. It varies between credit card rewards programs.
  • Annual fees: Assess if the card's benefits outweigh the annual fee.
  • Perks: Some credit cards offer additional perks such as travel insurance, airport lounge access, or exclusive discounts. Ensure these perks align with your travel needs.

Converting credit card rewards points to Asia Miles

Several Australian credit cards earn rewards points that can easily and quickly transfer to Asia Miles. Follow these steps:

  1. Log into your rewards account and select Asia Miles as your preferred redemption option.
  2. Enter the number of points you want to convert.
  3. Submit the form and wait for the points to be deposited in your Asia Miles account.

The time it takes for points to appear in your Asia Miles account may vary between rewards programs.

Help choosing a Cathay Pacific Asia Miles credit card

Elevate your travel experience with ease - find your ideal Cathay Pacific Asia Miles credit card today.

  • Pros & cons

Pros

Convenience

Earning Asia Miles with a credit card is convenient and one of the few ways to accumulate Asia Miles with everyday spending in Australia.

Additional perks

Benefits such as travel insurance and airport lounge access are commonly available.

Flexibility

Cathay Pacific Asia Miles is typically not the only airline transfer partner available, giving you more options to redeem points for flights.

Cons

Annual fees

Expect to pay an annual fee to earn credit card points that can be converted to Asia Miles.

Conversion rate

One point in your credit card rewards program does not necessarily convert to one Asia Mile.

High criteria

Cards that earn Asia Miles can be challenging to get approved for.

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