Which AEON Financial Service card should you get? All 17 compared
A decision page for readers who have already settled on AEON Financial Service and only need to pick the right card in the lineup. All 17 are compared here — 15 of them open to new applications, with annual fees of ¥0. The axis that actually decides it: how much of your shopping goes to these stores, and sale-day rules.
Issued by AEON Financial Service Co., Ltd. · 17 cards recorded, 15 open to new applications · verified 2026-08-16
Which one to get
If you want one answer, start with the AEON Card Minions — no annual fee and a 0.5% published base rate. If you already know what you want the card for, take the matching row instead.
| Use case | Card | Annual fee | Fee condition | Base rate | Best for |
|---|---|---|---|---|---|
| Best no-fee starting point | AEON Card MinionsGeneral | Free | — | 0.5% | Entertainment discounts |
| Best premium / travel tier | AEON Card SelectGeneral | Free | — | 0.5% | Bank, WAON and credit in one |
| Best specialist / co-brand | AEON Card Select Mickey Mouse DesignGeneral | Free | — | 0.5% | Disney design |
Each row is selected from the recorded data by rule — cheapest fee, a stated waiver, the highest published rate within a grade — not by editorial preference. Nothing here reflects how likely you are to be approved.
How to decide inside this lineup
2 rules apply to this lineup. Work down them in order — the first one usually settles it.
- Start with the strongest no-fee card, and move up only when a paid tier has a waiver you will actually reach, a milestone bonus you would hit anyway, or a recurring benefit worth more than its fee.
- These cards do not all earn the same currency: the lineup spans JAL miles, JAL miles / JR Kyushu Q points, WAON POINT, WAON POINT / Benesse points and 2 more. A higher rate in a programme you cannot redeem well is worth less than a lower rate in one you can.
Each rule is triggered by the recorded fees, grades, programmes and payment types rather than written per provider, so it changes when the lineup does.
Annual fees and what they really cost
15 of the 15 personal cards you can choose between here have no annual fee. The fee is the only cost you pay whether or not you use the card, so it is the first column to read.
| Card | Grade | Annual fee | Fee condition | Networks | Availability |
|---|---|---|---|---|---|
| AEON Card Minions | General | Free | — | Mastercard | Open to new applications |
| AEON Card Select | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| AEON Card Select Mickey Mouse Design | General | Free | — | JCB | Open to new applications |
| AEON Card Select Minions | General | Free | — | Mastercard | Open to new applications |
| AEON Card Select Toy Story Design | General | Free | — | JCB | Open to new applications |
| AEON Card WAON Integrated | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| AEON JMB Card | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| AEON Suica Card | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| Benesse AEON Card | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| Cosmo The Card Opus | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| JMB JQ SUGOCA | General | Free | — | Visa | Open to new applications |
| KASUMI Card | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| Kojima x Bic Camera Card | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| Sports Authority Card | General | Free | — | Visa · Mastercard · JCB | Closed to new applications |
| TGC Card | General | Free | — | JCB | Open to new applications |
| Welcia Card | General | Free | — | Visa · Mastercard · JCB | Open to new applications |
| AEON Gold Card | Gold | Free | Invitation only | Visa · Mastercard · JCB | Invitation or upgrade only |
A waiver or a free first year still means you pay the fee until the condition is met. Family cards, ETC cards and optional programmes can carry their own charges, which are not in this column — check the issuer page. All amounts include tax.
Earning rates and what they earn into
These cards earn into 6 different programmes. Rates in different currencies are not comparable until you fix what a point is worth to you.
| Card | Base rate | Earns | Comparison-site range | Annual fee |
|---|---|---|---|---|
| AEON Card Minions | 0.5% | WAON POINT | 0.5%–1% | Free |
| AEON Card Select | 0.5% | WAON POINT | 0.5%–1% | Free |
| AEON Card Select Mickey Mouse Design | 0.5% | WAON POINT | — | Free |
| AEON Card Select Minions | 0.5% | WAON POINT | — | Free |
| AEON Card Select Toy Story Design | 0.5% | WAON POINT | — | Free |
| AEON Card WAON Integrated | 0.5% | WAON POINT | 0.5%–1% | Free |
| AEON JMB Card | 0.5% | JAL miles | 0.5%–1.25% | Free |
| AEON Suica Card | 0.5% | WAON POINT / JRE POINT | — | Free |
| Benesse AEON Card | 0.5% | WAON POINT / Benesse points | — | Free |
| Cosmo The Card Opus | 0.5% | WAON POINT | 0.5%–1.5% | Free |
| JMB JQ SUGOCA | 0.5% | JAL miles / JR Kyushu Q points | — | Free |
| KASUMI Card | 0.5% | WAON POINT | — | Free |
| Kojima x Bic Camera Card | 0.5% | WAON POINT / store points | — | Free |
| Sports Authority Card | 0.5% | WAON POINT | — | Free |
| TGC Card | 0.5% | WAON POINT | — | Free |
| Welcia Card | 0.5% | WAON POINT | 0.5%–2% | Free |
| AEON Gold Card | 0.5% | WAON POINT | — | Free |
The base rate is the figure the issuer publishes; where none is published the cell is blank rather than estimated. The comparison-site range is calculated by Kakaku.com under its own assumptions about redemption value and bonus conditions — it is a secondary signal, not an issuer claim.
Every card compared
All 17 cards, ordered by grade and then by fee, with what each is for and what to watch on it.
| Card | Annual fee | Base rate | Best for | Main edge | Caution / status |
|---|---|---|---|---|---|
| AEON Card MinionsGeneral | Free | 0.5% | Entertainment discounts | Cinema/USJ offers subject to terms | Caps and exclusions |
| AEON Card SelectGeneral | Free | 0.5% | Bank, WAON and credit in one | AEON Group 2x; WAON auto-charge; customer appreciation discounts | Requires AEON Bank; non-AEON base return is modest |
| AEON Card Select Mickey Mouse DesignGeneral | Free | 0.5% | Disney design | Same core Select benefits | JCB only |
| AEON Card Select MinionsGeneral | Free | 0.5% | Cinema-oriented benefits | Cinema and Universal-related offers subject to caps/current terms | Ticket caps and purchase channel rules |
| AEON Card Select Toy Story DesignGeneral | Free | 0.5% | Disney/Pixar design | AEON 2x; WAON auto-charge; invite path to Gold after conditions | JCB only; AEON Bank required |
| AEON Card WAON IntegratedGeneral | Free | 0.5% | Straightforward AEON retail card | AEON Group 2x and appreciation-day discounts | No AEON Bank Select bonuses |
| AEON JMB CardGeneral | Free | 0.5% | No-fee direct JAL mileage route | Direct JAL-mile earning plus JMB WAON | Lower base mile return than premium airline cards |
| AEON Suica CardGeneral | Free | 0.5% | AEON plus Suica | Suica function and AEON benefits | Point transfer and recharge earning need checking |
| Benesse AEON CardGeneral | Free | 0.5% | Useful for Benesse customers | Benesse benefits | Niche ecosystem |
| Cosmo The Card OpusGeneral | Free | 0.5% | Fuel-oriented savings | Cosmo Oil fuel benefits | Savings depend on station/price structure |
| JMB JQ SUGOCAGeneral | Free | 0.5% | Multi-ecosystem regional card | JAL/JR Kyushu/SUGOCA integration | Complex point routing |
| KASUMI CardGeneral | Free | 0.5% | Regional supermarket savings | KASUMI discount days/bonuses | Regional relevance |
| Kojima x Bic Camera CardGeneral | Free | 0.5% | Electronics retail integration | Kojima/Bic benefits | Point treatment varies by merchant/payment |
| Sports Authority CardGeneral | Free | 0.5% | Sports retail discounts | Sports Authority member discounts | Store-specific value |
| TGC CardGeneral | Free | 0.5% | Fashion/cinema benefits | AEON cinema and TGC benefits subject to terms | Benefit caps |
| Welcia CardGeneral | Free | 0.5% | Strong for regular Welcia users and WAON POINT redemptions | Welcia Group 1.5%; monthly day bonuses can reach 10% under official conditions | iD/Apple Pay can earn a lower Welcia rate; dates/eligible stores matter |
| AEON Gold CardGold | Free | 0.5% | No-fee gold after qualification | Gold services after qualification | Not generally directly application-accessible |
The last three columns are the English research record for each card. Signup campaigns are deliberately excluded — they are not standing value.
How the points actually work
Most of this lineup earns under one rule — WAON POINT. What you actually receive is decided less by the headline rate than by the excluded transactions and the expiry below.
- How it is earned
- 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores
- Bonus earning
- AEON Group double points, customer appreciation days, card/store-specific campaigns
- Eligible spend
- Eligible card shopping; some utilities/rent can earn
- Excluded or reduced spend
- Fees, cash advances and issuer-designated transactions; WAON POINT and electronic-money WAON points are distinct
- Caps
- Discount days, cinema and store bonuses have card/store/date limits
- Expiry
- Maximum 2 years based on first award month in each annual cycle
- Best redemption route
- 1-point=¥1 checkout or WAON charge; use before cycle expiry
- What a point is worth
- 1 point=¥1 at eligible stores or after WAON charge
This block is shown only when most of the lineup really does earn under the same rule, so one card’s terms are never presented as the provider’s.
Benefits, and what switches them on
17 of these cards have a recorded insurance, lounge, family-card or eligibility term. What decides a benefit’s value is not whether it exists but what switches it on.
| Card | Insurance | Lounge | Family / ETC | Eligibility |
|---|---|---|---|---|
| AEON Card Select | Purchase protection | — | Family/ETC available | 18+; graduation-year exception stated |
| AEON Card Select Mickey Mouse Design | See official page | — | Family/ETC available | 18+ |
| AEON Card Select Toy Story Design | See official page | — | Family/ETC available | 18+ |
| AEON Card Select Minions | See official page | — | Family/ETC available | 18+ |
| AEON Card WAON Integrated | Purchase protection | — | Family/ETC available | 18+ |
| AEON Card Minions | See official page | — | Family/ETC available | 18+ |
| TGC Card | See official page | — | Family/ETC available | 18+ |
| Cosmo The Card Opus | See official page | — | Family/ETC available | 18+ |
| AEON Suica Card | Travel insurance subject to terms | — | ETC available | 18+ |
| JMB JQ SUGOCA | See official page | — | ETC available | 18+ |
| AEON JMB Card | See official page | — | Family/ETC available | 18+ |
| Benesse AEON Card | See official page | — | Family/ETC available | 18+ |
| KASUMI Card | See official page | — | Family/ETC available | 18+ |
| Sports Authority Card | See official page | — | Family/ETC available | 18+ |
| Kojima x Bic Camera Card | See official page | — | Family/ETC available | 18+ |
| Welcia Card | See official page | AEON common benefits and Welcia customer-appreciation routes | Family, ETC, Apple Pay and AEON iD | 18+ subject to issuer conditions |
| AEON Gold Card | Travel/Shopping cover | Domestic lounges subject to current terms | Family/ETC available | Invitation/qualification required |
A blank cell means nothing was recorded, not that the benefit is absent. Travel insurance in Japan is often conditional on paying for part of the trip with the card, and lounge access usually caps visits and charges for guests — the activation rule is on the issuer page.
Upgrade maths: what a higher tier has to return
The issuer does not publish a single base rate across these tiers, so a rewards break-even cannot be calculated here. The fee difference has to be judged on benefits you will actually use.
- Reward-only break-even spend
incremental annual fee ÷ incremental effective reward rateThe eligible spend at which the higher tier’s extra earning covers its extra fee, and nothing more.- Upgrade net value
incremental rewards + used credits + used benefits + family-card savings − incremental annual feeCount a credit or benefit only at the value you would actually redeem, not at its advertised value.- Milestone expected value
milestone benefit value × probability you reach the threshold without changing how you spendIf reaching the threshold requires new spending, the milestone is a cost, not a benefit.
These figures use the published base rate only — no merchant multipliers, milestones, insurance, lounge access or family-card savings. Adding spending you would not otherwise do always breaks the arithmetic.
Check these on the issuer page before applying
The tables above narrow the choice; only the issuer can settle it. Check these four things on the official page before you apply.
| What to check | Why it matters |
|---|---|
| Credit limit | Almost every issuer sets an individual limit after underwriting. Do not infer a usable limit from the card’s tier unless an official public range is stated. |
| Rewards limits | Check monthly and annual bonus caps, annual-spend thresholds, whether enrolment is required, and whether taxes, utilities, e-money charging, securities accumulation, fees or cash advances earn a reduced rate or nothing at all. |
| Benefit limits | Confirm what activates the insurance, who is covered, lounge visit and guest rules, reservation channels, blackout dates, and whether a benefit renews by calendar year, membership year or card anniversary. |
| Payment and overseas use | Verify the foreign transaction fee, cash-advance terms, installment and revolving settings, the accepted network, and mobile-wallet compatibility. |
Important cautions
This page is a comparison, not advice. These hold whichever card you pick.
- This is a comparison guide, not approval advice. Issuers decide eligibility and credit limits, and nothing here predicts either.
- Never increase spending to reach a points threshold or a fee waiver. Interest and unnecessary purchases overwhelm rewards quickly.
- Use a conservative point value. The same point is worth different amounts as a statement credit, as merchant spend, as miles or as a limited campaign reward.
- Invitation, campaign, insurance and lounge terms change. Re-check the official terms immediately before applying.
- If you are a foreign resident, confirm accepted identification, name and address matching, Japanese-language requirements and any bank-account condition directly with the issuer.
Common questions
Which AEON Financial Service card should I get?
For most people the starting point is the AEON Card Minions — no annual fee and a 0.5% published base rate. Move up to the AEON Card Select (no annual fee and a 0.5% published base rate) only when the extra fee is repaid by earning and by benefits you will genuinely use. AEON Financial Service decides eligibility and credit limits, so check the current terms on the issuer page before you apply.
Do all AEON Financial Service cards earn the same points?
No. The lineup spans JAL miles, JAL miles / JR Kyushu Q points, WAON POINT, WAON POINT / Benesse points and 2 more. Rates in different currencies are not directly comparable, so decide how you would redeem before you compare them.
Sources and freshness
Everything on this page comes from the issuer’s own product and lineup pages, and from the points programme’s official pages, as checked on 2026-08-16.
- www.aeon.co.jp/card/lineup
- www.aeon.co.jp/card/lineup/select
- www.aeon.co.jp/card/lineup/disney_select
- www.aeon.co.jp/card/lineup/toystory_select
- www.aeon.co.jp/card/lineup/minions_select
- www.aeon.co.jp/card/lineup/aeoncardwaon
- www.aeon.co.jp/card/lineup/minions
- www.aeon.co.jp/card/lineup/tgc
- www.aeon.co.jp/card/lineup/cosmo
- www.aeon.co.jp/card/lineup/aeonsuica
- www.aeon.co.jp/card/lineup/jmbjqsugoca
- www.aeon.co.jp/card/lineup/jmbwaon
- www.aeon.co.jp/card/lineup/benesse
- www.aeon.co.jp/card/lineup/kasumi
- www.aeon.co.jp/card/lineup/kojima
- www.aeon.co.jp/card/lp/gold
- www.aeon.co.jp/card/lineup/welcia
- www.aeon.co.jp/point/waonpoint/guide
Card facts are from the research database as of 2026-08-16; the points and benefit records are from the 2026-08-17 pass. Fees, benefits, campaigns and application rules change without notice. If something here is wrong, tell us on the corrections page.