Which Luxury Card should you get? All 6 compared

Which one to get

If you want one answer, start with the Luxury Card Titanium — ¥55,000 a year and a 1% published base rate. If you already know what you want the card for, take the matching row instead.

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

3 rules apply to this lineup. Work down them in order — the first one usually settles it.

1. This lineup has no permanently free card, so the entry tier is a recurring cost from day one. Compare its lowest-fee option against a no-fee card from another issuer before committing to the ecosystem.
2. These cards do not all earn the same currency: the lineup spans JAL miles / Luxury Card rewards and Luxury Card Rewards. A higher rate in a programme you cannot redeem well is worth less than a lower rate in one you can.
3. This lineup has more than one grade, so an upgrade is an arithmetic question: divide the extra annual fee by the extra published rate to get the spend that repays it, then add only the benefits and milestones you expect to use.

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

No card here is free to hold on ordinary payment terms. The cheapest annual fee is ¥55,000, and you pay it whether or not you use the card.

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 2 different programmes. Rates in different currencies are not comparable until you fix what a point is worth to you.

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 6 cards, ordered by grade and then by fee, with what each is for and what to watch on it.

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 — Luxury Card Rewards. What you actually receive is decided less by the headline rate than by the excluded transactions and the expiry below.

How it is earned

Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend

Bonus earning

Tier earn; selected high-value items; dining/travel promotions

Eligible spend

Eligible shopping, including many utilities/Suica categories at standard rate subject to rules

Excluded or reduced spend

Fees, cash advances and designated transactions

Caps

Mileage partners and special redemptions may have minimums/conditions

Expiry

5 years from earning

Best redemption route

1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher

What a point is worth

1 point=¥1 for cash back and many e-gifts

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

6 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.

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 cheapest rung here pays for itself at ¥22,000,000 of eligible spend a year.

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.

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

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 2026-08-13.

• www.luxurycard.co.jp/compare
• www.luxurycard.co.jp/titaniumcard
• www.luxurycard.co.jp/blackcard
• www.luxurycard.co.jp/goldcard
• www.luxurycard.co.jp/blackdiamond
• www.jal.co.jp/jp/ja/jmb/jal-luxury-card
• www.luxurycard.co.jp/rewards

Report a correction

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.