Credit cards in Japan: ¥3,301–¥11,000
42 cards in the researched lineup fall in the ¥3,301–¥11,000 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.
JRE Bank / Viewcard
Otona no Kyujitsu Club Zipang
- Annual fee
- ¥4,364
- Base rate
- 0.5%
- Variants
- 3
JRE POINT
Official site
ANA Card
ANA American Express Card
- Annual fee
- ¥7,700
- Base rate
- 1%
- Variants
- 1
Membership Rewards / ANA miles
Official site
4
JRE Bank / Viewcard
JAL Card Suica Club-A
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Variants
- 1
JAL miles / JRE POINT
Official site
Epos Card
Epos Gold Card
- Annual fee
- ¥5,000
- Base rate
- 0.5%
- Reward range
- 0.5%–1.25%
- Variants
- 1
Epos Points
#21 on the comparison siteOfficial site
Epos Card
JQ Card Epos Gold
- Annual fee
- ¥5,000
- Base rate
- 0.5%
- Variants
- 1
Epos Points / JR Kyushu Q points
Official site
JCB
JCB Biz ONE Gold
- Annual fee
- ¥5,500
- Base rate
- 1%
- Reward range
- 1%–10.5%
- Variants
- 1
J-POINT
#54 on the comparison siteOfficial site
Sumitomo Mitsui Card
Olive Flexible Pay Gold
- Annual fee
- ¥5,500
- Base rate
- 0.5%
- Reward range
- 0.5%–8%
- Variants
- 1
V POINT
#52 on the comparison siteOfficial site
Sumitomo Mitsui Card
SMBC Business Owners Gold
- Annual fee
- ¥5,500
- Base rate
- 0.5%
- Reward range
- 0.5%–2%
- Variants
- 1
V POINT
#23 on the comparison siteOfficial site
Sumitomo Mitsui Card
Sumitomo Mitsui Card Gold NL
- Annual fee
- ¥5,500
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 2
V POINT
#3 on the comparison siteOfficial site
Tokyu Card
Tokyu Card ClubQ JMB Gold
- Annual fee
- ¥6,600
- Base rate
- 1%
- Variants
- 2
TOKYU POINT / JAL miles
Official site
Idemitsu Credit
apollostation The Gold
- Annual fee
- ¥11,000
- Reward range
- 1%
- Variants
- 4
Plus Points / fuel discount
#51 on the comparison siteOfficial site
au Financial Service
au PAY Gold Card
- Annual fee
- ¥11,000
- Base rate
- 1%
- Reward range
- 1%–1.5%
- Variants
- 3
Ponta
#29 on the comparison siteOfficial site
NTT DOCOMO
d Card Gold
- Annual fee
- ¥11,000
- Base rate
- 1%
- Reward range
- 1%–4.5%
- Variants
- 2
d POINT
#24 on the comparison siteOfficial site
JFR Card
Daimaru Matsuzakaya Gold Card
- Annual fee
- ¥11,000
- Base rate
- 1%
- Variants
- 2
QIRA Points / Daimaru Matsuzakaya points
Official site
JFR Card
Daimaru Matsuzakaya Loyal Customer Gold Card
- Annual fee
- ¥11,000
- Base rate
- 1%
- Variants
- 2
QIRA Points / Daimaru Matsuzakaya points
Official site
JCB
JCB Gold
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Reward range
- 0.5%–10%
- Variants
- 1
J-POINT
#13 on the comparison siteOfficial site
Credit Saison
JQ Card Saison Gold
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Variants
- 2
JR Kyushu Q points / Permanent Points
Official site
Mitsubishi UFJ NICOS
Mitsubishi UFJ Card Gold
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 4
Global Points
#31 on the comparison siteOfficial site
Mitsubishi UFJ NICOS
Mitsubishi UFJ Card Gold Prestige
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Variants
- 4
Global Points
Official site
Credit Saison
Saison Gold American Express Card
- Annual fee
- ¥11,000
- Base rate
- 0.75%
- Reward range
- 0.75%–1%
- Variants
- 1
Permanent Points
#60 on the comparison siteOfficial site
Credit Saison
Saison Gold Premium
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Variants
- 3
Permanent Points
Official site
Credit Saison
Saison Rose Gold American Express Card
- Annual fee
- ¥11,000
- Base rate
- 0.75%
- Variants
- 1
Permanent Points
Official site
Takashimaya Financial Partners
Takashimaya Card Gold
- Annual fee
- ¥11,000
- Variants
- 4
Takashimaya points
Official site
JRE Bank / Viewcard
View Card Gold
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Reward range
- 0.5%–10%
- Variants
- 2
JRE POINT
#25 on the comparison siteOfficial 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.