Credit cards that earn J-POINT
13 cards in the researched lineup earn J-POINT. Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.
JCB
How J-POINT works
- Run by
- JCB
- What a point is worth
- Up to ¥1 per point depending on use
How you earn
- Earning rule
- Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply
- Programme bonuses
- J-POINT partner stores; J-POINT Mall; eligible cards may receive a bonus for each ¥500,000 annual spend. JCB Card W/W plus L are excluded from the annual-spend bonus
- Spend that earns
- Ordinary eligible shopping aggregated monthly
- Spend that earns less, or nothing
- Annual fees, fees/interest, cash advances and issuer-designated transactions; securities accumulation follows separate rules
- Caps, registration and thresholds
- Partner registration, merchant and annual-spend rules differ by card; credit-card accumulation generally up to ¥100,000/month
- Expiry
- General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month
Using your points
- What points can be used for
- Amazon checkout where eligible; statement/payment-related options; partner points; airline miles; gift cards/items; JCB travel and charity options
- Statement credit or cash
- Available routes vary; do not assume ¥1 per point for every bill-credit option
- Shopping and merchants
- Amazon with eligible PWP cards; partner points and digital/gift rewards
- Airlines and travel
- Airline miles and travel-related awards; transfer ratios vary
- Hotels
- Indirect through travel/partner awards
- Transit and e-money
- Partner-point/e-money routes vary
- Partner points and gifts
- Multiple partner points, miles, gift cards and catalog items
- Investing and charity
- Eligible securities accumulation earns separately; charity options available
- Highest-value route
- 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart
Programme rules published by jcb.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
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
ANA Card
ANA To Me Card PASMO JCB
- Annual fee
- ¥2,200
- Base rate
- 0.5%
- Variants
- 1
Oki Doki/J-POINT, Metro points, ANA miles
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
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
Tokyo Metro
ANA To Me Card PASMO JCB Gold
- Annual fee
- ¥15,400
- Base rate
- 1%
- Variants
- 1
J-POINT / Metro Points / ANA miles
Official site
JCB
JCB Platinum
- Annual fee
- ¥27,500
- Base rate
- 0.5%
- Reward range
- 0.5%–10%
- Variants
- 1
J-POINT
#6 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.