Credit cards in Japan: no annual fee
88 cards in the researched lineup fall in the no annual fee band, tax included. Waivers and first-year offers are shown per card — a fee that can be waived is still a fee until the condition is met.
AEON Financial Service
AEON Card Minions
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1%
- Variants
- 1
WAON POINT
#46 on the comparison siteOfficial site
AEON Financial Service
AEON Card Select
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1%
- Variants
- 3
WAON POINT
#30 on the comparison siteOfficial site
AEON Financial Service
AEON Card Select Mickey Mouse Design
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
WAON POINT
Official site
AEON Financial Service
AEON Card Select Minions
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
WAON POINT
Official site
AEON Financial Service
AEON Card Select Toy Story Design
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
WAON POINT
Official site
AEON Financial Service
AEON Card WAON Integrated
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1%
- Variants
- 3
WAON POINT
#9 on the comparison siteOfficial site
AEON Financial Service
AEON JMB Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1.25%
- Variants
- 3
JAL miles
#48 on the comparison siteOfficial site
AEON Financial Service
AEON Suica Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
WAON POINT / JRE POINT
Official site
Rakuten Card
Alpen Group Rakuten Card
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 1
Rakuten Points / Alpen points
Official site
Idemitsu Credit
apollostation card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%
- Variants
- 4
Plus Points / fuel discount
#22 on the comparison siteOfficial site
au Financial Service
au PAY Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–1.5%
- Variants
- 3
Ponta
#27 on the comparison siteOfficial site
3AEON Financial Service
Benesse AEON Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
WAON POINT / Benesse points
Official site
3AEON Financial Service
Cosmo The Card Opus
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1.5%
- Variants
- 3
WAON POINT
#43 on the comparison siteOfficial site
Epos Card
Epos Card Visa
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%
- Variants
- 1
Epos Points
#14 on the comparison siteOfficial site
Yodobashi Gold Point Marketing
Gold Point Card Plus
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 1
Yodobashi Gold Points
Official site
3
JCB
JCB Card S
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–10%
- Variants
- 1
J-POINT
#7 on the comparison siteOfficial site
JCB
JCB Card W
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–10.5%
- Variants
- 1
J-POINT
#4 on the comparison siteOfficial site
JCB
JCB Card W plus L
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–10.5%
- Variants
- 1
J-POINT
#37 on the comparison siteOfficial site
AEON Financial Service
JMB JQ SUGOCA
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
JAL miles / JR Kyushu Q points
Official site
3
3AEON Financial Service
Kojima x Bic Camera Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
WAON POINT / store points
Official site
Life Card
Life Card for Students
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
LIFE Points / cashback
Official site
4
4Mitsubishi UFJ NICOS
Mitsubishi UFJ Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 4
Global Points
#2 on the comparison siteOfficial site
Credit Saison
Mitsui Shopping Park Card Saison
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1%
- Variants
- 1
Permanent Points (永久不滅ポイント) + Mitsui Shopping Park Points
#50 on the comparison siteOfficial site
Credit Saison
MUJI Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 2
Permanent Points / MUJI points
Official site
Sumitomo Mitsui Card
Olive Flexible Pay General
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
V POINT
Official site
2
PayPay Card
PayPay Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–5%
- Variants
- 3
PayPay Points
#8 on the comparison siteOfficial site
3Rakuten Card
Rakuten Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–3%
- Variants
- 4
Rakuten Points
#11 on the comparison siteOfficial site
Rakuten Card
Rakuten Card My Color Selection
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 1
Rakuten Points
Official site
2Rakuten Card
Rakuten Card Sanrio Designs
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 2
Rakuten Points
Official site
2
2Recruit
Recruit Card
- Annual fee
- Free
- Base rate
- 1.2%
- Variants
- 3
Recruit Points / Ponta / d POINT
Official site
Credit Saison
Saison Card Digital
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1%
- Variants
- 3
Permanent Points
#26 on the comparison siteOfficial site
Credit Saison
Saison Cobalt Business American Express Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–2%
- Variants
- 1
Permanent Points (永久不滅ポイント)
#36 on the comparison siteOfficial site
Credit Saison
Samurai Blue Card Saison
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 2
Permanent Points
Official site
Seven Card Service
Seven Card Plus nanaco Integrated
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
nanaco points
Official site
Seven Card Service
Seven Card Plus nanaco Linked
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
nanaco points
Official site
Credit Saison
Shop Channel Card Saison
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
Shop Channel points
Official site
Sumitomo Mitsui Card
SMBC Business Owners
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1.5%
- Variants
- 1
V POINT
#16 on the comparison siteOfficial siteAEON Financial Service
Sports Authority Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
WAON POINT
Closed to new applications
Sumitomo Mitsui Card
Sumitomo Mitsui Card Numberless
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 2
V POINT
#1 on the comparison siteOfficial site
UPSIDER
UPSIDER Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%
- Variants
- 1
UPSIDER automatic cashback
#33 on the comparison siteOfficial site
Mitsubishi UFJ NICOS
VIASO Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
VIASO Points / auto-cashback
Official site
Mitsubishi UFJ NICOS
VIASO mofusand x Sanrio
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
VIASO Points
Official site
JRE Bank / Viewcard
View Card Standard Revo
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
JRE POINT
Official site
Sumitomo Mitsui Card
Visa LINE Pay Credit Card P+
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
LINE Points
May be closed to new applications
Official siteIdemitsu Credit
Webike apollostation card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
Plus Points / Webike points
Official site
AEON Financial Service
Welcia Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–2%
- Variants
- 1
WAON POINT
#42 on the comparison siteOfficial site
AEON Financial Service
AEON Gold Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
WAON POINT
Invitation or upgrade only
Official site
Reward ranges are Kakaku.com’s own calculations as of 2026-08-16. The issuer’s official page governs fees, caps and benefit terms. kakaku.com
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231 cards and 391 network variants recorded from official issuer lineup and product pages as of 2026-08-16. Fees, benefits and campaigns change — check the issuer page before applying.