Which Mitsubishi UFJ NICOS card should you get? All 22 compared
A decision page for readers who have already settled on Mitsubishi UFJ NICOS and only need to pick the right card in the lineup. All 22 are compared here — 22 of them open to new applications, with annual fees of ¥0–¥30,800. The axis that actually decides it: annual fee against ordinary earning, plus any milestone bonus you would reach anyway.
Issued by Mitsubishi UFJ NICOS Co., Ltd. · 22 cards recorded, 22 open to new applications · verified 2026-08-13
Which one to get
If you want one answer, start with the Mitsubishi UFJ Card — 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 | Mitsubishi UFJ CardGeneral | Free | — | 0.5% | Broad-network mainstream card |
| Best paid card with a fee-waiver path | JA CardGeneral | ¥1,375 | First year free · waiver available | 0.5% | JA ecosystem integration |
| Best premium / travel tier | MUFG Card Platinum American ExpressPlatinum | ¥22,000 | — | 0.5% | Relatively accessible premium travel package |
| Best specialist / co-brand | ENEOS Card CGeneral | ¥1,375 | First year free | — | High-volume fuel discount |
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
4 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 ENEOS points, ENEOS points / discounts, Fuel discount, GDO Points and 6 more. A higher rate in a programme you cannot redeem well is worth less than a lower rate in one you can.
- 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.
- Jizile is a revolving-payment-only product. The headline rate is earned against interest you cannot avoid by paying the balance in full, so the advertised return is not comparable to the rest of this lineup.
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
8 of the 21 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 |
|---|---|---|---|---|---|
| GDO Card | General | Free | — | Visa · Mastercard | Open to new applications |
| Jizile | General | Free | — | Visa · Mastercard | Open to new applications |
| Mitsubishi UFJ Card | General | Free | — | Visa · Mastercard · JCB · American Express | Open to new applications |
| VIASO Card | General | Free | — | Mastercard | Open to new applications |
| VIASO Cinnamoroll | General | Free | — | Mastercard | Open to new applications |
| VIASO Gudetama | General | Free | — | Mastercard | Open to new applications |
| VIASO mofusand x Sanrio | General | Free | — | Mastercard | Open to new applications |
| VIASO My Melody | General | Free | — | Visa · Mastercard | Open to new applications |
| VIASO Urawa Reds | General | Free | — | Visa | Open to new applications |
| ENEOS Card C | General | ¥1,375 | First year free | Visa · Mastercard | Open to new applications |
| ENEOS Card P | General | ¥1,375 | First year free | Visa · Mastercard | Open to new applications |
| ENEOS Card S | General | ¥1,375 | First year free · waiver available | Visa · Mastercard | Open to new applications |
| JA Card | General | ¥1,375 | First year free · waiver available | Visa · Mastercard | Open to new applications |
| MUFG Card Disney Design | General | ¥1,375 | First year free | JCB | Open to new applications |
| SKYPASS MUFG Card | General | ¥3,300 | Confirm on the issuer page | Visa · Mastercard | Open to new applications |
| MileagePlus MUFG Card | General | ¥5,500 | — | Visa · Mastercard | Open to new applications |
| Mitsubishi UFJ Card Gold | Gold | ¥11,000 | First year free | Visa · Mastercard · JCB · American Express | Open to new applications |
| Mitsubishi UFJ Card Gold Prestige | Gold | ¥11,000 | — | Visa · Mastercard · JCB · American Express | Open to new applications |
| SKYPASS MUFG Gold | Gold | ¥11,000 | — | Visa · Mastercard | Open to new applications |
| GDO Gold Card | Gold | ¥15,746 | — | Visa · Mastercard | Open to new applications |
| MUFG Card Platinum American Express | Platinum | ¥22,000 | — | American Express | Open to new applications |
| Miles & More MUFG Platinum Amex | Platinum | ¥30,800 | — | American Express | Open to new applications |
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 10 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 |
|---|---|---|---|---|
| GDO Card | — | GDO Points | — | Free |
| Jizile | 1.5% | Global Points | — | Free |
| Mitsubishi UFJ Card | 0.5% | Global Points | 0.5%–7% | Free |
| VIASO Card | 0.5% | VIASO Points / auto-cashback | — | Free |
| VIASO Cinnamoroll | 0.5% | VIASO Points | — | Free |
| VIASO Gudetama | 0.5% | VIASO Points | — | Free |
| VIASO mofusand x Sanrio | 0.5% | VIASO Points | — | Free |
| VIASO My Melody | 0.5% | VIASO Points | — | Free |
| VIASO Urawa Reds | 0.5% | VIASO Points | — | Free |
| ENEOS Card C | — | Fuel discount | — | ¥1,375 |
| ENEOS Card P | — | ENEOS points | — | ¥1,375 |
| ENEOS Card S | — | ENEOS points / discounts | — | ¥1,375 |
| JA Card | 0.5% | Global Points | — | ¥1,375 |
| MUFG Card Disney Design | 0.5% | Global Points | — | ¥1,375 |
| SKYPASS MUFG Card | — | Korean Air SKYPASS | — | ¥3,300 |
| MileagePlus MUFG Card | — | United MileagePlus | — | ¥5,500 |
| Mitsubishi UFJ Card Gold | 0.5% | Global Points | 0.5%–7% | ¥11,000 |
| Mitsubishi UFJ Card Gold Prestige | 0.5% | Global Points | — | ¥11,000 |
| SKYPASS MUFG Gold | — | Korean Air SKYPASS | — | ¥11,000 |
| GDO Gold Card | — | GDO Points | — | ¥15,746 |
| MUFG Card Platinum American Express | 0.5% | Global Points | 0.5%–7% | ¥22,000 |
| Miles & More MUFG Platinum Amex | — | Miles & More | — | ¥30,800 |
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 22 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 |
|---|---|---|---|---|---|
| GDO CardGeneral | Free | — | Golf ecosystem | Golf-course and store benefits | Niche points |
| JizileGeneral | Free | 1.5% | Higher advertised return | Advertised 3x points | Revolving-payment-only; interest risk |
| Mitsubishi UFJ CardGeneral | Free | 0.5% | Broad-network mainstream card | Up to advertised 20% at eligible merchants with conditions | Maximum rate requires multiple conditions and has cap |
| VIASO CardGeneral | Free | 0.5% | Automatic annual cashback | Certain telecom/online mall bonuses | Points below redemption threshold can lapse |
| VIASO CinnamorollGeneral | Free | 0.5% | Character design | Same VIASO core earning | Threshold/expiry risk |
| VIASO GudetamaGeneral | Free | 0.5% | Character design | Same VIASO core earning | Threshold/expiry risk |
| VIASO mofusand x SanrioGeneral | Free | 0.5% | Character design | Same VIASO core earning | Threshold/expiry risk |
| VIASO My MelodyGeneral | Free | 0.5% | Character design | Same VIASO core earning | Threshold/expiry risk |
| VIASO Urawa RedsGeneral | Free | 0.5% | Supporter card | Team-related design/benefits | Threshold/expiry risk |
| ENEOS Card CGeneral | ¥1,375 | — | High-volume fuel discount | Per-liter discount rises with monthly card spend | Spend bands and eligible fuel limits |
| ENEOS Card PGeneral | ¥1,375 | — | Fuel/points | Points-focused ENEOS variant | Use pattern determines best variant |
| ENEOS Card SGeneral | ¥1,375 | — | Fuel savings | Fuel discount/reward structure by S/P/C variant | Compare S, P, C based on monthly liters and other spend |
| JA CardGeneral | ¥1,375 | 0.5% | JA ecosystem integration | JA/roadside/fuel-related benefits by variant | Many local variants and settlement requirements |
| MUFG Card Disney DesignGeneral | ¥1,375 | 0.5% | Disney design | Selected-store bonuses may apply | Paid fee versus standard free MUFG card |
| SKYPASS MUFG CardGeneral | ¥3,300 | — | Korean Air mileage | Direct SKYPASS miles | Mileage valuation/availability |
| MileagePlus MUFG CardGeneral | ¥5,500 | — | Alternative United mile route | Direct United miles | Compare to Saison/UC mileage cards |
| Mitsubishi UFJ Card GoldGold | ¥11,000 | 0.5% | Multi-network gold | Eligible-merchant bonuses | Check newer Gold Preferred positioning and fee |
| Mitsubishi UFJ Card Gold PrestigeGold | ¥11,000 | 0.5% | Mainstream bank gold | Annual spend bonus and selected-store bonuses | Fee waiver/bonus rules |
| SKYPASS MUFG GoldGold | ¥11,000 | — | Korean Air premium mileage card | Direct SKYPASS miles and gold benefits | Fee and award availability |
| GDO Gold CardGold | ¥15,746 | — | Golf-focused premium card | Golf and premium travel benefits | Unusual fee; quantify golf savings |
| MUFG Card Platinum American ExpressPlatinum | ¥22,000 | 0.5% | Relatively accessible premium travel package | Premium rewards/benefits | Guest and lounge restaurant counts/fees |
| Miles & More MUFG Platinum AmexPlatinum | ¥30,800 | — | Lufthansa-group mileage option | Direct Miles & More earning | Mileage expiry/devaluation and fee |
The last three columns are the English research record for each card. Signup campaigns are deliberately excluded — they are not standing value.
Benefits, and what switches them on
22 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 |
|---|---|---|---|---|
| Mitsubishi UFJ Card | Overseas travel insurance subject to use | — | Family/ETC available | 18+; high-school students excluded |
| VIASO Card | Travel insurance subject to use | — | Family/ETC available | 18+ |
| VIASO mofusand x Sanrio | See official page | — | Family/ETC available | 18+ |
| VIASO Cinnamoroll | See official page | — | Family/ETC available | 18+ |
| VIASO My Melody | See official page | — | Family/ETC available | 18+ |
| VIASO Gudetama | See official page | — | Family/ETC available | 18+ |
| VIASO Urawa Reds | See official page | — | Family/ETC available | 18+ |
| Jizile | See official page | — | Family/ETC available | 18+ |
| GDO Card | See official page | — | Family/ETC available | 18+ |
| MUFG Card Disney Design | Travel insurance | — | Family/ETC available | 18+ |
| JA Card | Travel insurance | — | Family/ETC available | 18+ |
| ENEOS Card S | Roadside service | — | Family/ETC available | 18+ |
| ENEOS Card P | Roadside service | — | Family/ETC available | 18+ |
| ENEOS Card C | Roadside service | — | Family/ETC available | 18+ |
| SKYPASS MUFG Card | Travel insurance | — | Family/ETC available | 18+ |
| MileagePlus MUFG Card | Travel insurance | Airport lounge benefit stated | Family/ETC available | 18+ |
| Mitsubishi UFJ Card Gold | Travel insurance | Airport lounge benefits | Family/ETC available | 20+ with stable income |
| Mitsubishi UFJ Card Gold Prestige | Travel insurance | Domestic lounges | Family/ETC available | 20+ with stable income |
| SKYPASS MUFG Gold | Travel insurance | Airport lounges | Family/ETC available | 20+ |
| GDO Gold Card | Travel insurance | Airport lounges | Family/ETC available | 20+ |
| MUFG Card Platinum American Express | Travel insurance | Priority Pass; concierge | Family/ETC available | 20+ with stable income |
| Miles & More MUFG Platinum Amex | Travel insurance | Airport lounges | Family/ETC available | 20+ |
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 published base rate does not rise as the fee does, so no amount of ordinary spending repays the difference. Only a waiver, a milestone or a benefit you use can justify it.
| From | Up to | Extra fee | Extra rate | Break-even spend |
|---|---|---|---|---|
| Mitsubishi UFJ Card | JA Card | ¥1,375 | 0% | Rewards alone never repay it |
| JA Card | Mitsubishi UFJ Card Gold | ¥9,625 | 0% | Rewards alone never repay it |
| Mitsubishi UFJ Card Gold | MUFG Card Platinum American Express | ¥11,000 | 0% | Rewards alone never repay it |
- 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 Mitsubishi UFJ NICOS card should I get?
For most people the starting point is the Mitsubishi UFJ Card — no annual fee and a 0.5% published base rate. Move up to the MUFG Card Platinum American Express (¥22,000 a year and a 0.5% published base rate) only when the extra fee is repaid by earning and by benefits you will genuinely use. Mitsubishi UFJ NICOS decides eligibility and credit limits, so check the current terms on the issuer page before you apply.
Is a paid Mitsubishi UFJ NICOS card worth the annual fee?
The published base rate does not rise with the fee here, so the extra fee cannot be earned back through ordinary spending. The only things that justify it are a waiver you will reach, a milestone you would hit anyway, and benefits you will genuinely use.
Do all Mitsubishi UFJ NICOS cards earn the same points?
No. The lineup spans ENEOS points, ENEOS points / discounts, Fuel discount, GDO Points and 6 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 2026-08-13.
- www.cr.mufg.jp/apply/index.html?bid=site_footer
- www.cr.mufg.jp/apply/card/mucard/index.html
- www.cr.mufg.jp/apply/card/mucard_goldprestige/index.html
- www.cr.mufg.jp/amex/apply/mucard_platinum/index.html
- www.cr.mufg.jp/apply/card/mufgcard_disney/index.html
- www.cr.mufg.jp/apply/card/m_viaso/index.html
- www.cr.mufg.jp/apply/card/viaso_mofusand_sanrio/index.html
- www.cr.mufg.jp/apply/card/viaso_cinnamon/index.html
- www.cr.mufg.jp/apply/card/viaso_mm/index.html
- www.cr.mufg.jp/apply/card/viaso_gudetama/index.html
- www.cr.mufg.jp/apply/card/viaso_reds/index.html
- www.cr.mufg.jp/apply/card/dc_jizile/index.html
- www.cr.mufg.jp/apply/card/ja/cash_001/index.html
- www.eneos.co.jp/consumer/ss/card/card
- www.cr.mufg.jp/apply/card/gdo/index.html
- www.cr.mufg.jp/apply/card/gdo_gold/index.html
- www.cr.mufg.jp/apply/card/skypass/index.html
- www.cr.mufg.jp/apply/card/skypass_gold/index.html
- www.cr.mufg.jp/amex/apply/miles_more/index.html
- www.cr.mufg.jp/apply/card/mileageplus/index.html
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.