Top 10 Credit Cards Used in Japan
Credit cards are a vital part of daily life, used for everything from shopping and travel to paying utility bills. For many in Japan, they have become essential tools for managing economic activities efficiently. However, with so many credit cards available, it can be challenging to determine which one to choose.
This article highlights Japan’s top 10 most popular credit cards, ranked based on user ratings. We compare key features like rewards programs, point redemption rates, unique perks, and annual fees to help you find a card that fits your needs.
Whether you’re applying for your first card or reevaluating your current one, our rankings cover options that cater to various lifestyles, from saving money to earning rewards on everyday expenses.
Explore the top picks and find the perfect credit card to match your spending habits and goals!
▼ Top Credit Card Ranking
- Sumitomo Mitsui Card
- JCB Card
- Rakuten Card
- American Express Card
- Mitsubishi UFJ Card
- View Gold Plus Card
- AEON Card
- View Suica Card
- Epos Card
- d Card
1. Sumitomo Mitsui Card
Website: Sumitomo Mitsui Card
The Sumitomo Mitsui Card is a highly trusted option in Japan, featuring a versatile V-points rewards program that lets users earn points on purchases like shopping and utility payments. Designed with an IC chip for secure transactions, it offers both standard and premium options, allowing you to select the card that best suits your lifestyle.
2. JCB Card
Website: JCB Card
The JCB Card is a renowned Japanese brand recognized worldwide for its extensive acceptance and appealing benefits, particularly in travel and entertainment. It offers exclusive perks like Tokyo Disney Resort privileges, travel insurance, and the “Oki Doki Points” rewards program, making it a great choice for saving on everyday expenses and special experiences.
3. Rakuten Card
Website: Rakuten Card
The Rakuten Card is highly popular in Japan, offering no annual fee and an excellent point redemption rate. Ideal for frequent Rakuten shoppers, it allows users to easily earn and redeem Rakuten Points across various Rakuten Group services, making it perfect for everyday spending.
4. American Express Card
Website: American Express Card
American Express (Amex) is renowned for its prestige and exceptional perks, particularly for travel and luxury experiences. It offers access to airport lounges, travel insurance, and emergency assistance. The versatile Membership Rewards program lets users redeem points across various categories, making it a top choice for frequent travelers.
5. Mitsubishi UFJ Card
Website: Mitsubishi UFJ Card
The Mitsubishi UFJ Card, issued by one of Japan’s top banks, is valued for its reliability and convenience. Featuring a robust points program and diverse card options, it’s especially attractive to MUFG Group clients, making everyday spending more rewarding and efficient.
6. View Gold Plus Card
Website: View Gold Plus Card
The View Gold Plus Card, issued by JR East, is perfect for frequent train users, offering points redeemable for Suica charges or goods. The Gold tier enhances value with added perks like travel insurance and airport lounge access, ideal for travelers.
7. Aeon Card
Website: Aeon Card
The Aeon Card is perfect for frequent shoppers at AEON-affiliated stores, offering extra points on "Customer Appreciation Days" and a convenient WAON electronic money feature. Combining affordability with excellent rewards, it’s a great choice for everyday spending.
8. View Suica Card
Website: View Suica Card
The View Suica Card is an excellent choice for train commuters, providing bonus points on Suica recharges and commuter pass purchases. Its auto-charge feature ensures hassle-free travel, making it a convenient option for frequent Suica users.
9. Epos Card
Website: Epos Card
The Epos Card is a great option for travelers, offering no annual fee and automatic travel accident insurance. It allows users to earn points at Marui and other affiliated stores, making it versatile for online and in-store purchases.
10. d Card
Website: d Card
The d Card is ideal for NTT Docomo users, offering points on Docomo charges and purchases at d market. Points can also be redeemed at various affiliated stores, making it convenient for both Docomo customers and general users.
Conclusion
These top 10 credit cards offer a range of benefits to fit different needs. By considering factors like point redemption rates, fees, and extra perks, you can find the perfect card to simplify your payments and maximize rewards.
For everyday shopping, Rakuten and Aeon cards are great for earning points. American Express and View Gold Plus cards are perfect for those who prioritize travel and entertainment, while the d Card is ideal for Docomo users. The View Suica Card is also a top choice for frequent train commuters.
Credit cards are more than just a payment method—they are powerful tools for earning rewards and maximizing value. Select a card that fits your lifestyle, and enjoy the added convenience and benefits it brings to your daily life.
