MoneyInJapan

Credit cards that earn Membership Rewards

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

American Express

Official programme page

How Membership Rewards works

Run by
American Express
What a point is worth
Highly variable; Membership Rewards Plus improves many rates

How you earn

Earning rule
Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency
Programme bonuses
Bonus Points Program and card-specific offers
Spend that earns
Eligible card shopping
Spend that earns less, or nothing
Fees, cash advances and designated/reduced-rate categories
Caps, registration and thresholds
Airline transfer caps/fees; ANA course fee and 40,000-mile annual cap; partner minimums
Expiry
Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ

Using your points

What points can be used for
Airline miles; hotel points; card-charge offset; Amex Travel; checkout; gift cards/items/experiences; partner points; donations
Statement credit or cash
Point value varies by charge category and MR Plus enrollment
Shopping and merchants
Checkout/gift cards/items and partner services
Airlines and travel
Many airline partners; ANA/JAL and international programs with varying ratios
Hotels
Hotel-program transfers and Amex Travel
Transit and e-money
Indirect via statement/merchant uses
Partner points and gifts
Airlines, hotels, Rakuten and other current partners
Investing and charity
Donations; no general cash withdrawal
Highest-value route
A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus

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

10 cards

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

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 11Epos Points 7Global Points 7Diners Club Rewards 6Luxury Card 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.