MoneyInJapan

Credit cards that earn Luxury Card Rewards

6 cards in the researched lineup earn Luxury Card Rewards. Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.

Luxury Card

Official programme page

How Luxury Card Rewards works

Run by
APLUS / Luxury Card
What a point is worth
1 point=¥1 for cash back and many e-gifts

How you earn

Earning rule
Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend
Programme bonuses
Tier earn; selected high-value items; dining/travel promotions
Spend that earns
Eligible shopping, including many utilities/Suica categories at standard rate subject to rules
Spend that earns less, or nothing
Fees, cash advances and designated transactions
Caps, registration and thresholds
Mileage partners and special redemptions may have minimums/conditions
Expiry
5 years from earning

Using your points

What points can be used for
Bill cash back; JAL/ANA/United miles; Amazon/Apple/d POINT e-gifts; SAKENOVA; crypto; PeX; donations
Statement credit or cash
1 point=¥1 toward card bill
Shopping and merchants
E-gifts/coupons and special merchandise
Airlines and travel
JAL/ANA/United transfers; concierge/travel benefits are separate
Hotels
Travel awards/benefits separate from points
Transit and e-money
Cash-back/e-gift routes; ordinary earning may include Mobile Suica subject to rules
Partner points and gifts
Airline miles, d POINT, PeX and e-gifts
Investing and charity
Crypto redemption and donations
Highest-value route
1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher

Programme rules published by luxurycard.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled

6 cards

Other lists like this one

ANA miles 23JAL miles 17Permanent Points (永久不滅ポイント) 15WAON POINT 15Rakuten Points 14V POINT 14J-POINT 13Orico Points 13JRE POINT 11Membership Rewards 10Epos Points 7Global Points 7Diners Club Rewards 6QIRA Points 6VIASO Points 6d POINT 5Plus Points 5LIFE Points 4Metro Points 3Ponta 3TOKYU POINT 3U-POINT 3Hilton Honors points 2Marriott Bonvoy points 2

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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.