Every card’s standing benefits, side by side
232 of 232 match
| Card | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 JAL CLUB-A Gold CardJAL Card | ¥17,600 | Confirm on the issuer page | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Shopping Mile Premium included; higher flight bonuses | All-in JAL gold | Shopping Mile Premium included | 20+ with stable income | Open to new applications | Fee |
 ANA American Express CardANA Card | ¥7,700 | — | General | Travel insurance | Airport lounge benefit | Family card available | ANA Group bonuses | Mid-tier ANA Amex | ANA Amex entry · Family card fee | 20+ | Open to new applications | Transfer/registration rules |
 ANA Amex GoldANA Card | ¥34,100 | — | Gold | Travel insurance | Airport lounges | Family card available | ANA Group bonuses and Amex benefits | Premium ANA Amex | ANA and Gold benefits · Premium ANA earning · Family card fee | 20+ | Open to new applications | Fee |
 ANA Amex PremiumANA Card | ¥165,000 | — | Platinum | Premium travel insuranceTravel coverEnhanced cover | Premium lounge/conciergePremium loungesConcierge | Family card benefits | Premium ANA/Amex package | Top-tier ANA Amex | Premium ANA and Amex benefits · Premium lounges/concierge · Top ANA Amex · Family cards | Invitation/screening | Open to new applications | Very high fee |
 JAL Card PlatinumJAL Card | ¥34,100 | Confirm on the issuer page | Platinum | Travel insurance | Priority Pass / lounges | Family/ETC availableFamily cardsETC card | JAL premium/concierge benefits | Premium JAL JCB | Verify current fee · JAL premium/MUFG Amex benefits · Premium JAL Amex | 20+ with stable income | Open to new applications | — |
 AEON Gold CardAEON Financial Service | Free | Invitation only | Gold | Travel/Shopping coverTravel coverShopping cover | Domestic lounges subject to current termsDomestic loungesConditions apply | Family/ETC availableFamily cardsETC card | Gold services after qualification | No-fee gold after qualification | — | Invitation/qualification required | Invitation or upgrade only | — |
| American Express CenturionAmerican Express | Varies | Invitation only | Centurion | Premium travel insuranceTravel coverEnhanced cover | Premium lounges/conciergePremium loungesConcierge | See official materials | Top-tier benefits | Ultra-premium Amex | — | Invitation | Invitation only | — |
 American Express Green CardAmerican Express | ¥13,200 | Confirm on the issuer page | General | Travel insurance subject to useTravel coverConditions apply | Airport lounge benefit subject to termsAirport loungesConditions apply | Family card fee appliesFamily cardsAdditional-card fee | Partner bonuses/optional Membership Rewards Plus | Entry Amex lifestyle card | — | 20+ guideline / screening | Open to new applications | — |
 Amex Business GoldAmerican Express | ¥49,500 | Confirm on the issuer page | Business Gold | Travel insurance | Airport lounges | Employee cards | Business and travel/dining benefits | Premium business package | — | Business owners / corporations | Open to new applications | — |
 Amex Business GreenAmerican Express | ¥13,200 | Confirm on the issuer page | Business | Travel insurance | Airport lounge benefit | Employee cards | Business expense tools/benefits | Small-business Amex entry | — | Business owners / corporations | Open to new applications | — |
 Amex Business PlatinumAmerican Express | ¥165,000 | Confirm on the issuer page | Business Platinum | Premium travel insuranceTravel coverEnhanced cover | Global lounge collection/conciergeOverseas loungesConcierge | Employee cards | Premium business/travel package | Premium business card | — | Business owners / corporations | Open to new applications | — |
 ANA Diners CardANA Card | ¥29,700 | Confirm on the issuer page | Gold-equivalent | Travel insurance | Airport lounges | Family available | Diners travel/dining benefits | Premium dining/travel | — | 27+ guideline / issuer screening | Open to new applications | — |
 ANA Diners PremiumANA Card | ¥170,500 | Invitation only | Platinum | Premium travel insuranceTravel coverEnhanced cover | Premium lounges/conciergePremium loungesConcierge | Family available | Premium Diners/ANA benefits | Top-tier ANA Diners | — | Invitation | Invitation only | — |
 apollostation Platinum BusinessIdemitsu Credit | ¥22,000 | Waiver available | Platinum | Travel, cyber and shopping protectionsTravel coverShopping coverCyber cover | Priority Pass terms and annual use limit applyPriority PassUse limits applyConditions apply | Additional cards available | 8 points per ¥1,000 including apollostation; redeem for statement credit, miles or partner points | Fuel and business support in a premium corporate package | — | Individual business owners / small-company representatives | Open to new applications | — |
 apollostation The GoldIdemitsu Credit | ¥11,000 | Waiver available | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Fuel and gold benefits | Fuel-focused gold | — | 25+ guideline / stable income | Open to new applications | — |
 apollostation THE PLATINUM Saison AmexIdemitsu Credit | ¥22,000 | Waiver available | Platinum | Travel and shopping protectionsTravel coverShopping cover | Priority Pass (annual free-use limit applies), domestic lounges, conciergePriority PassDomestic loungesConciergeUse limits apply | Family card and ETC availableFamily cardsETC card | 12 points per ¥1,000; fuel discount can rise to ¥10/L with spend | High base return plus fuel, road service and premium travel package | — | Adults meeting issuer criteria | Open to new applications | — |
 bitFlyer Platinum CardbitFlyer | ¥16,500 | Waiver available | Platinum | Travel insurance | Airport lounge benefits | See official page | Higher Bitcoin rewards and premium benefits | Higher crypto earning | — | 20+ | Open to new applications | — |
 BMW Diners CardDiners Club | ¥29,700 | Confirm on the issuer page | Premium | Travel insurance | Airport lounges | Family available | BMW benefits | BMW ownership benefits | — | Issuer screening | Open to new applications | — |
 d Card Gold UNTT DOCOMO | ¥3,300 | Waiver available | Gold | Phone protection | Domestic lounge benefits | See official page | Docomo bill benefits | Lower-cost gold for eligible users | — | 18–29 | Open to new applications | — |
 Daimaru Matsuzakaya CardJFR Card | ¥2,200 | First year free | General | Overseas travel cover subject to use; shopping and phone protectionOverseas travelShopping coverPhone coverConditions apply | — | Family cards free; ETC availableFamily cardsETC cardFree additional cards | Department-store bonuses | Daimaru/Matsuzakaya value | First year free; verify waiver/current fee · Travel insurance · Family/ETC available | 18+; high-school students excluded | Open to new applications | — |
 Delta SkyMiles AmexAmerican Express | ¥13,200 | Confirm on the issuer page | General | Travel insurance | Airport lounge benefit | Family card termsFamily cardsConditions apply | Delta status/mileage benefits subject to spend | Delta mileage/status | — | 20+ / screening | Open to new applications | — |
 Delta SkyMiles Amex GoldAmerican Express | ¥28,600 | Confirm on the issuer page | Gold | Travel insurance | Airport lounges | Family card termsFamily cardsConditions apply | Higher Delta status/mileage benefits | Premium Delta card | — | 20+ / screening | Open to new applications | — |
 Diners Club Business CardDiners Club | ¥29,700 | Confirm on the issuer page | Premium | Travel insurance | Airport lounges | Employee cards subject to termsEmployee cardsConditions apply | Business and dining/travel benefits | Owner-operated business use | — | Business owners | Open to new applications | — |
 Diners Club CardDiners Club | ¥29,700 | Confirm on the issuer page | Premium | Travel insurance | Airport lounges | Family available | Dining and travel benefits | Dining-focused premium card | — | Issuer screening; age/income criteria not fully published | Open to new applications | — |
 Diners Club Premium CardDiners Club | ¥143,000 | Invitation only | Premium | Premium travel insuranceTravel coverEnhanced cover | Premium lounges | Family available | Premium dining/travel/concierge | High-end dining/travel | — | Invitation | Invitation only | — |
 Epos Gold CardEpos Card | ¥5,000 | Waiver available | Gold | Travel insurance | Domestic lounge benefits | Family Gold program; ETCFamily cardsETC card | Chosen-shop bonuses and annual bonus subject to current program | Can be very good after free invitation | — | 20+ / invitation routes | Open to new applications | — |
 Epos Platinum CardEpos Card | ¥30,000 | Invitation only | Platinum | Travel insurance | Priority Pass/conciergePriority PassConcierge | Family Gold; ETCFamily cardsETC card | Annual spend bonus; 2026 bonus schedule updates | Spend-bonus premium card | — | 20+ / screening | Open to new applications | — |
 Ginza Diners Club CardDiners Club | ¥33,000 | Confirm on the issuer page | Premium | Travel insurance | Airport lounges | Family available | Ginza lounge/merchant benefits | Ginza-specific value | — | Issuer screening | Open to new applications | — |
 Gold Card SaisonCredit Saison | ¥11,000 | First year free | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Hotel/restaurant offers | Classic Saison gold benefits | — | See official page | Open to new applications | — |
 Gold UPtyOrico | ¥5,500 | First year free | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Gold benefits | Flexible monthly payment | — | 20+ | Open to new applications | — |
 Hilton Honors AmexAmerican Express | ¥16,500 | Confirm on the issuer page | General | Travel insurance | Hotel benefits | Family card termsFamily cardsConditions apply | Hilton status and free-night paths | Hilton loyalty | — | 20+ / screening | Open to new applications | — |
 Hilton Honors Amex PremiumAmerican Express | ¥66,000 | Confirm on the issuer page | Premium | Travel insurance | Hotel benefits | Family card termsFamily cardsConditions apply | Higher status/free-night benefits | Premium Hilton card | — | 20+ / screening | Open to new applications | — |
 JAL Card OrdinaryJAL Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Flight bonuses; optional Shopping Mile Premium | Entry JAL card | — | 18+ | Open to new applications | Shopping Mile Premium fee |
 JAL Diners CardJAL Card | ¥30,800 | Confirm on the issuer page | Gold-equivalent | Travel insurance | Airport lounges | Family card available | Shopping mile earning and Diners benefits | Premium JAL/Diners | — | 27+ guideline / issuer screening | Open to new applications | — |
 JAL Luxury CardLuxury Card | ¥242,000 | Confirm on the issuer page | Black | Premium travel insuranceTravel coverEnhanced cover | Premium lounges | Family card fee appliesFamily cardsAdditional-card fee | JAL and Luxury Card benefits | Premium JAL metal card | — | 20+ with stable income | Open to new applications | — |
 JAL Luxury Card LimitedLuxury Card | ¥599,500 | Invitation only | Gold | Premium travel insuranceTravel coverEnhanced cover | Premium lounges/conciergePremium loungesConcierge | See official page | Top JAL Luxury Card benefits | Ultra-premium JAL metal card | — | Invitation/limited | Limited issue — verify availability | — |
 JCB Biz ONE GoldJCB | ¥5,500 | First year free · waiver available | Gold | Shopping, cyber, smartphone protectionsShopping coverPhone coverCyber cover | Domestic airport lounges | No additional cards; one ETC cardNo family cardAdditional cardsETC card | 2 points per ¥200; J-POINT partner bonuses | Low-fee business gold with 1% base-equivalent earn | — | Corporate representative or sole proprietor; user age 20+ | Open to new applications | — |
| JCB General / Partner With PointJCB | ¥1,375 | First year free · waiver available | General | See official terms | — | Family/ETC availableFamily cardsETC card | Amazon up to advertised multiplier; partner/mall bonuses | Amazon-oriented earning | Annual fee ¥1,375 | 18+; high-school students excluded | Open to new applications | — |
 JCB GoldJCB | ¥11,000 | First year free | Gold | Overseas travel cover up to stated ¥100m subject to conditionsOverseas travelConditions applyStated up to ¥100,000,000 | Domestic/overseas lounge servicesDomestic loungesOverseas lounges | Family/ETC availableFamily cardsETC card | Partner bonuses; invitation path to Gold The Premier | Travel, dining and lounge package | — | 20+ with stable income | Open to new applications | — |
 JCB Gold / Partner With PointJCB | ¥11,000 | — | Gold | Overseas travel cover up to stated ¥100m subject to conditionsOverseas travelDomestic travelShopping coverConditions applyStated up to ¥100,000,000 | Domestic/overseas lounge servicesDomestic loungesOverseas lounges | Family/ETC availableFamily cardsETC card | Amazon.co.jp up to 4x; JCB partner stores; eligible card accumulation up to 1.0% when non-accumulation monthly shopping is at least ¥50,000 | Amazon checkout with J-POINT; JCB credit-card accumulation; Gold-tier services | Online application: first year free; thereafter see current official fee terms · Gold-tier domestic/overseas travel and shopping protections subject to current terms · Domestic airport lounge and Gold service package | 20+ with stable income | Open to new applications | — |
 JQ Card Epos GoldEpos Card | ¥5,000 | Waiver available | Gold | Travel insurance | Domestic lounges | See official page | Point exchange and JR Kyushu benefits | Strong point-transfer utility | — | 20+ / conditions | Open to new applications | — |
 JQ Card Saison GoldCredit Saison | ¥11,000 | Waiver available | Gold | See official page | Airport lounge benefits | See official page | JR Kyushu and point-exchange benefits | Strong point-transfer flexibility | — | See official page | Open to new applications | — |
 Life Card GoldLife Card | ¥11,000 | Confirm on the issuer page | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Gold benefits and birthday points | Traditional gold | — | 23+ with stable income guideline | Open to new applications | — |
 Luxury Card Black DiamondLuxury Card | ¥660,000 | Invitation only | Black Diamond | Premium travel insuranceTravel coverEnhanced cover | Premium lounges/conciergePremium loungesConcierge | See official page | Top invitation-only package | Ultra-premium positioning | — | Invitation | Invitation only | — |
 Marriott Bonvoy AmexAmerican Express | ¥34,100 | Confirm on the issuer page | General | Travel insurance | Hotel benefits | Family card termsFamily cardsConditions apply | Free-night/status benefits after conditions | Hotel loyalty value | — | 20+ / screening | Open to new applications | — |
 Marriott Bonvoy Amex PremiumAmerican Express | ¥82,500 | Confirm on the issuer page | Premium | Travel insurance | Hotel benefits | Family card termsFamily cardsConditions apply | Higher hotel/status/free-night benefits after spend thresholds | Strong for frequent Marriott users | — | 20+ / screening | Open to new applications | — |
 Mercard GoldMercari / Merpay | ¥5,000 | Waiver available | Gold | See official page | See official page | No family card; verify ETCNo family cardETC cardCheck the issuer page | Annual-spend and Mercari benefits | Mercari-heavy spend proposition | — | 18+; Mercari account / screening | Open to new applications | — |
 MileagePlus Saison Gold CardCredit Saison | ¥22,000 | Confirm on the issuer page | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Direct mileage earning subject to annual caps/current terms | High direct mile earning | — | See official page | Open to new applications | — |
 MileagePlus Saison Platinum CardCredit Saison | ¥55,000 | Confirm on the issuer page | Platinum | Travel insurance | Premium lounges/concierge depending on brandPremium loungesConcierge | Family/ETC availableFamily cardsETC card | Premium United-mile earning | Premium airline benefits | — | See official page | Open to new applications | — |
 Mitsubishi UFJ Card GoldMitsubishi UFJ NICOS | ¥11,000 | First year free | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Eligible-merchant bonuses | Multi-network gold | — | 20+ with stable income | Open to new applications | — |
 New Otani Club DinersDiners Club | ¥29,700 | Confirm on the issuer page | Premium | Travel insurance | Airport lounges | Family available | Hotel New Otani benefits | Hotel benefits | — | Issuer screening / club conditions | Open to new applications | — |
 Olive Flexible Pay GoldSumitomo Mitsui Card | ¥5,500 | Waiver available | Gold | Selectable insurance | Domestic lounges | See official page | Gold/annual-spend and selected-merchant benefits | Integrated bank and gold card | — | Requires Olive account and credit approval | Open to new applications | — |
 Rakuten Black CardRakuten Card | ¥33,000 | Invitation only | Black | Premium travel insuranceTravel coverEnhanced cover | Priority Pass/conciergePriority PassConcierge | Family cards | Premium Rakuten/travel benefits | Top Rakuten tier | — | Invitation or stated application eligibility | Open to new applications | — |
 Saison Gold American Express CardCredit Saison | ¥11,000 | Waiver available | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Domestic 1.5x; overseas 2x stated on lineup | Travel and point multipliers | — | See official page | Open to new applications | — |
 Saison Gold PremiumCredit Saison | ¥11,000 | Waiver available | Gold | See official page | Domestic lounges | Family/ETC availableFamily cardsETC card | Bonus earning at selected merchants; cinema benefit subject to monthly rules | Everyday-spend and movie benefits | — | See official page | Open to new applications | — |
 Saison Platinum Business American Express CardCredit Saison | ¥33,000 | First year free | Platinum | Travel insurance up to ¥100m; cyber and shopping protectionsTravel coverShopping coverCyber coverStated up to ¥100,000,000 | Priority Pass and conciergePriority PassConcierge | Additional cards available; ETC availableAdditional cardsETC card | Domestic 1.5x/overseas 2x; SAISON MILE CLUB can reach 1.125% JAL-mile rate | No registry or financial statements required; business support services | — | Sole proprietors, executives and other eligible adults; students/minors excluded | Open to new applications | — |
 Saison Rose Gold American Express CardCredit Saison | ¥11,000 | Confirm on the issuer page | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Lifestyle benefits and point multipliers | Lifestyle and travel package | — | See official page | Open to new applications | — |
 The GoldOrico | ¥11,000 | First year free | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Premium services | Traditional gold card | — | 20+ | Open to new applications | — |
 American Express Platinum CardAmerican Express | ¥165,000 | — | Platinum | Premium travel insuranceTravel coverEnhanced cover | Global lounge collection / conciergeOverseas loungesConcierge | 4 family cards free statedFamily cardsFree additional cards | Hotel status, credits, concierge | Comprehensive premium travel | — | Screening | Open to new applications | — |
 Amex Gold PreferredAmerican Express | ¥39,600 | — | Gold | Travel insurance | Airport lounge and travel creditsAirport loungesTravel credits | Family cards: stated free allocationFamily cardsFree additional cards | Membership Rewards Plus included; hotel/dining benefits | Travel/dining package | — | 20+ / screening | Open to new applications | — |
 ANA JCB GeneralANA Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Flight bonuses and point-to-mile options | Entry ANA JCB | — | 18+ | Open to new applications | — |
 ANA JCB PremiumANA Card | ¥77,000 | — | Platinum | Premium travel insuranceTravel coverEnhanced cover | Priority Pass/conciergePriority PassConcierge | Family/ETC availableFamily cardsETC card | Premium flight and JCB benefits | Premium ANA JCB | — | 30+ guideline / screening | Open to new applications | — |
 ANA JCB Wide GoldANA Card | ¥15,400 | — | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Higher flight bonuses | ANA JCB gold | — | 20+ with stable income | Open to new applications | — |
 ANA Mastercard GeneralANA Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Flight bonuses and point-to-mile options | Entry ANA Mastercard | — | 18+ | Open to new applications | — |
 ANA Mastercard Wide GoldANA Card | ¥15,400 | — | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Higher flight bonuses | Popular ANA gold route | — | 20+ with stable income | Open to new applications | — |
 ANA To Me Card PASMO JCBANA Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Tokyo Metro and ANA integration | Three-way transit/mileage ecosystem | — | 18+ | Open to new applications | — |
 ANA To Me Card PASMO JCB GoldTokyo Metro | ¥15,400 | — | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Metro and ANA plus gold benefits | ANA + Tokyo Metro premium route | — | 20+ with stable income | Open to new applications | — |
 ANA TOKYU Point ClubQ PASMO MastercardANA Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | TOKYU and ANA integration | Useful for TOKYU users | — | 18+ | Open to new applications | — |
 ANA Visa GeneralANA Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Flight bonuses and point-to-mile options | Entry ANA Visa | — | 18+ | Open to new applications | — |
 ANA Visa General (SMBC)Sumitomo Mitsui Card | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | ANA flight bonuses | ANA ecosystem | — | 18+ | Open to new applications | — |
 ANA Visa Platinum PremiumANA Card | ¥88,000 | — | Platinum | Premium travel insuranceTravel coverEnhanced cover | Priority Pass/conciergePriority PassConcierge | Family/ETC availableFamily cardsETC card | Premium flight and card benefits | High ANA mile earning | — | 30+ guideline / screening | Open to new applications | — |
 ANA Visa SuicaANA Card | ¥2,200 | First year free | General | Travel insurance | — | ETC available; family card limitationsFamily cardsETC cardConditions apply | Suica and ANA integration | ANA plus Suica | — | 18+ | Open to new applications | — |
 ANA Visa Wide GoldANA Card | ¥15,400 | — | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Higher flight bonuses; mile transfer typically included | Popular ANA gold route | — | 20+ with stable income | Open to new applications | — |
 au PAY Gold Cardau Financial Service | ¥11,000 | — | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | au/UQ charges and au PAY auto-charge up to advertised rates | Strong for qualifying au users | — | 20+ with stable income | Open to new applications | — |
| Bic Camera Suica CardJRE Bank / Viewcard | ¥524 | First year free · waiver available | General | Travel insurance | — | ETC available | Strong Bic and Suica combination; base combined point route | Popular no/low-fee Suica card | — | 18+ | Open to new applications | — |
 d Card GoldNTT DOCOMO | ¥11,000 | — | Gold | Phone protection and travel coverTravel coverPhone cover | Domestic lounges | Family/ETC availableFamily cardsETC card | Docomo mobile/hikari reward and annual-spend benefit | Strong for qualifying Docomo spend | — | 18+ with stable income | Open to new applications | — |
 d Card PlatinumNTT DOCOMO | ¥29,700 | — | Platinum | Phone cover up to stated ¥200k over 3 yearsPhone coverStated up to ¥200,000 | Priority Pass; restaurant/hotel offersPriority PassDining offersHotel offers | Family/ETC availableFamily cardsETC card | First-year up to 20% on eligible Docomo charges; annual benefit up to ¥40k | Premium Docomo ecosystem card | — | 20+ with stable income | Open to new applications | — |
 ENEOS Card CMitsubishi UFJ NICOS | ¥1,375 | First year free | General | Roadside service | — | Family/ETC availableFamily cardsETC card | Per-liter discount rises with monthly card spend | High-volume fuel discount | — | 18+ | Open to new applications | — |
 ENEOS Card PMitsubishi UFJ NICOS | ¥1,375 | First year free | General | Roadside service | — | Family/ETC availableFamily cardsETC card | Points-focused ENEOS variant | Fuel/points | — | 18+ | Open to new applications | — |
 ENEOS Card SMitsubishi UFJ NICOS | ¥1,375 | First year free · waiver available | General | Roadside service | — | Family/ETC availableFamily cardsETC card | Fuel discount/reward structure by S/P/C variant | Fuel savings | — | 18+ | Open to new applications | — |
 EX Gold for Biz MOrico | ¥2,200 | — | Gold | Travel insurance | Airport lounge benefits | Additional/ETC available | Business offers | Low-cost company card | — | Corporate representatives | Open to new applications | — |
 EX Gold for Biz SOrico | ¥2,200 | — | Gold | Travel insurance | Airport lounge benefits | ETC available | Business offers | Low-cost business card | — | Sole proprietors | Open to new applications | — |
 GDO Gold CardMitsubishi UFJ NICOS | ¥15,746 | — | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Golf and premium travel benefits | Golf-focused premium card | — | 20+ | Open to new applications | — |
 JA CardMitsubishi UFJ NICOS | ¥1,375 | First year free · waiver available | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | JA/roadside/fuel-related benefits by variant | JA ecosystem integration | — | 18+ | Open to new applications | — |
 JAL Card Suica OrdinaryJRE Bank / Viewcard | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | JAL mileage plus Suica/JR East benefits | Useful for JAL flyers in JR East area | — | 18+ | Open to new applications | — |
 JAL Club EST Gold/PlatinumJAL Card | Varies | — | Gold/Platinum | Travel insurance | Lounge benefits | See official page | 20s-only add-ons | Adds value for frequent young flyers | — | 20–29 | Open to new applications | — |
 JAL Club EST OrdinaryJAL Card | ¥7,700 | — | General | Travel insurance | Lounge coupons/benefits subject to termsAirport loungesUse limits applyConditions apply | Family/ETC availableFamily cardsETC card | 20s-only travel/mileage add-ons | Enhanced 20s benefits | — | 20–29 | Open to new applications | — |
 Japan Animal Welfare Society CardOrico | Free | Confirm on the issuer page | General | See official page | — | See official page | Donation-linked card | Supports animal welfare | — | 18+ | Open to new applications | — |
 JCB Biz ONE GeneralJCB | Free | — | General | No core travel insurance highlighted | Fast digital issue and accounting links | No additional cards; one ETC cardNo family cardAdditional cardsETC card | 2 points per ¥200, roughly 1% depending on redemption | High no-fee earn for a single-user business card | — | Corporate representative or sole proprietor; user age 18+ | Open to new applications | — |
 JCB LINDAJCB | Free | Waiver available | General | See official terms | — | See official page | LINDA bonuses/benefits | Lifestyle and beauty offers | — | 18+; high-school students excluded | Open to new applications | — |
 JCB PlatinumJCB | ¥27,500 | — | Platinum | Premium travel/shopping cover subject to termsTravel coverShopping coverEnhanced coverConditions apply | Priority Pass; conciergePriority PassConcierge | Family/ETC availableFamily cardsETC card | Partner bonuses | Concierge and Gourmet Benefit | — | 25+ with stable income | Open to new applications | — |
 JRE CardJRE Bank / Viewcard | ¥524 | First year free | General | Travel insurance | — | See official page | Up to 3.5% at eligible station buildings | Strong for JRE CARD preferred stores | — | 18+ | Open to new applications | — |
 Lumine CardJRE Bank / Viewcard | ¥1,048 | First year free | General | Travel insurance | — | See official page | 5% off Lumine/Newoman; sale periods can be higher | Easy-to-value Lumine discount | — | 18+ | Open to new applications | — |
 Luxury Card BlackLuxury Card | ¥110,000 | — | Black | Travel insurance | Airport lounges | Family card fee appliesFamily cardsAdditional-card fee | Higher rewards and premium privileges | Premium metal card | — | 20+ with stable income | Open to new applications | — |
 Luxury Card GoldLuxury Card | ¥220,000 | — | Gold | Travel insurance | Airport lounges | Family card fee appliesFamily cardsAdditional-card fee | Top public Luxury Card benefits | High-end metal card | — | 20+ with stable income | Open to new applications | — |
 Luxury Card TitaniumLuxury Card | ¥55,000 | — | Titanium | Travel insurance | Airport lounges | Family card fee appliesFamily cardsAdditional-card fee | Travel/dining/lifestyle privileges | Entry metal Luxury Card | — | 20+ with stable income | Open to new applications | — |
 MI Card BasicMI Card | Free | — | General | No core travel insurance highlighted | — | Family cards freeFamily cardsETC cardFree additional cardsCheck the issuer page | Base 0.5%; Mitsukoshi Isetan Group benefits and point rates depend on eligible store/product | No-fee entry card for the Mitsukoshi Isetan ecosystem | See official page for family/ETC availability | See official page | Open to new applications | — |
 MI Card PlusMI Card | ¥550 | First year free · waiver available | General | See official page | — | Family/ETC availableFamily cardsETC card | Mitsukoshi Isetan bonus earning | Department-store return | — | 18+ | Open to new applications | — |
 MI Card Plus GoldMI Card | ¥11,000 | — | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Department-store and travel benefits | Premium Mitsukoshi Isetan card | — | 20+ | Open to new applications | — |
 MileagePlus MUFG CardMitsubishi UFJ NICOS | ¥5,500 | — | General | Travel insurance | Airport lounge benefit stated | Family/ETC availableFamily cardsETC card | Direct United miles | Alternative United mile route | — | 18+ | Open to new applications | — |
 Miles & More MUFG Platinum AmexMitsubishi UFJ NICOS | ¥30,800 | — | Platinum | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Direct Miles & More earning | Lufthansa-group mileage option | — | 20+ | Open to new applications | — |
 Mitsubishi UFJ Card Gold PrestigeMitsubishi UFJ NICOS | ¥11,000 | — | Gold | Travel insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Annual spend bonus and selected-store bonuses | Mainstream bank gold | — | 20+ with stable income | Open to new applications | — |
 Mitsui Shopping Park Card SaisonCredit Saison | Free | — | General | Premium Amex version has travel insurance; standard versions differTravel coverEnhanced coverCheck the issuer page | Facility parking and member benefits | ETC available | At participating facilities, earn both shopping-park points and Permanent Points | Double earning at Mitsui Fudosan shopping facilities | — | Adults meeting issuer criteria | Open to new applications | — |
 Monex CardMonex | ¥550 | First year free · waiver available | General | See official page | — | ETC available | Credit-card fund accumulation reward subject to tier/caps | Investment accumulation integration | — | 18+; Monex account for investing features | Open to new applications | — |
 MUFG Card Disney DesignMitsubishi UFJ NICOS | ¥1,375 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Selected-store bonuses may apply | Disney design | — | 18+ | Open to new applications | — |
 MUFG Card Platinum American ExpressMitsubishi UFJ NICOS | ¥22,000 | — | Platinum | Travel insurance | Priority Pass; conciergePriority PassConcierge | Family/ETC availableFamily cardsETC card | Premium rewards/benefits | Relatively accessible premium travel package | — | 20+ with stable income | Open to new applications | — |
 Olive Flexible Pay Platinum PreferredSumitomo Mitsui Card | ¥33,000 | — | Platinum | Travel insurance | See official page | See official page | Preferred stores and annual spend bonuses | Integrated high-reward premium card | — | Requires Olive account and credit approval | Open to new applications | — |
 Orico Card The Gold PrimeOrico | ¥11,000 | — | Gold | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Premium benefits and point bonuses | Broad gold package | — | 20+ with stable income | Open to new applications | — |
 PayPay Card GoldPayPay Card | ¥11,000 | — | Gold | Travel insurance | Domestic/selected overseas lounge benefitsDomestic loungesOverseas lounges | Family/ETC availableFamily cardsETC card | Eligible SoftBank/Ymobile and PayPay benefits | Potentially strong for SoftBank ecosystem | — | 18+ with stable income | Open to new applications | — |
 Persona STACIA AmexAmerican Express | ¥15,400 | Confirm on the issuer page | General | Travel insurance | — | Family card termsFamily cardsConditions apply | Hankyu/Hanshin and STACIA benefits | Department store/rail benefits | — | 20+ / screening | Open to new applications | — |
 Rakuten ANA Mileage Club CardRakuten Card | ¥550 | First year free · waiver available | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Choose points or miles course | Flexible Rakuten/ANA route | — | 18+ | Open to new applications | — |
 Rakuten Gold CardRakuten Card | ¥2,200 | — | Gold | Travel insurance | Limited domestic lounge visitsDomestic loungesUse limits apply | Family/ETC availableFamily cardsETC card | Limited domestic lounge visits and ecosystem benefits | Low-fee gold | — | 20+ | Open to new applications | — |
 Rakuten Premium CardRakuten Card | ¥11,000 | — | Premium | Travel insurance | Priority Pass subject to visit limits/current termsPriority PassUse limits applyConditions apply | Family/ETC availableFamily cardsETC card | Premium travel/selected course benefits | Travel benefits | — | 20+ | Open to new applications | — |
 Red Cross Orico CardOrico | Free | Confirm on the issuer page | General | See official page | — | See official page | Donation-linked card | Supports Japanese Red Cross | — | 18+ | Open to new applications | — |
 Red Feather CardOrico | Free | Confirm on the issuer page | General | See official page | — | See official page | Donation-linked card | Supports charity | — | 18+ | Open to new applications | — |
 Saison Cobalt Business American Express CardCredit Saison | Free | — | General | See official page | Business-service discounts and cash-back campaigns | Up to 9 additional cards free; up to 5 ETC cardsAdditional cardsETC cardFree additional cards | Eligible business services earn 4x, roughly 2% at common redemption value | No-cost business card with strong selected-service earn | — | Sole proprietor or corporate representative; individual underwriting | Open to new applications | — |
 Saison Pearl Amex DigitalCredit Saison | ¥1,100 | First year free · waiver available | General | See official page | — | ETC available | QUICPay bonus subject to cap/current campaign | Mobile-payment-oriented bonuses | — | 18+; high-school students excluded | Open to new applications | — |
 Saison Platinum American Express CardCredit Saison | ¥33,000 | — | Platinum | Travel insurance | Airport lounge benefits | Family/ETC availableFamily cardsETC card | Domestic/overseas points 2x; JAL mile rate up to 1.125% with registration | JAL mileage and premium travel | — | See official page | Open to new applications | — |
 SKYPASS MUFG CardMitsubishi UFJ NICOS | ¥3,300 | Confirm on the issuer page | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Direct SKYPASS miles | Korean Air mileage | — | 18+ | Open to new applications | — |
 SKYPASS MUFG GoldMitsubishi UFJ NICOS | ¥11,000 | — | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Direct SKYPASS miles and gold benefits | Korean Air premium mileage card | — | 20+ | Open to new applications | — |
 SMBC Business OwnersSumitomo Mitsui Card | Free | — | General | Selectable free insurance; overseas travel cover up to stated limitOverseas travelSelectable cover | Business support; app-based management | Partner cards and ETC availablePartner cardsETC card | Up to 1.5% at eligible business-owner merchants when two-card conditions are met | No corporate registry/financial statements for application; integrates with Vpass | — | Corporate representative or sole proprietor; age conditions apply | Open to new applications | — |
 SMBC Business Owners GoldSumitomo Mitsui Card | ¥5,500 | — | Gold | Selectable insurance including travel planTravel coverSelectable cover | Domestic airport lounges | Partner cards free; ETC availablePartner cardsETC cardFree additional cards | Annual ¥1m spend earns 10,000 points; eligible paired-card uses up to 2.0% | Fee waiver plus annual-spend bonus is unusually strong for business use | — | Corporate representative or sole proprietor | Open to new applications | — |
 SMBC Business Owners Platinum PreferredSumitomo Mitsui Card | ¥33,000 | — | Platinum | Domestic/overseas travel insurance up to ¥50m, usage conditionsOverseas travelDomestic travelConditions applyStated up to ¥50,000,000 | Concierge; DragonPass tickets after qualifying annual spendOverseas loungesConciergeUse limits apply | Partner cards free; ETC availablePartner cardsETC cardFree additional cards | Selected business-owner preferred stores up to 10%; ¥10,000 points per ¥1m spend, up to 40,000 | High base earn and annual bonuses for large business expenses | — | Corporate representative or sole proprietor age 20+ | Open to new applications | — |
 SMBC PlatinumSumitomo Mitsui Card | ¥55,000 | — | Platinum | Premium travel insuranceTravel coverEnhanced cover | Concierge/lounge benefitsAirport loungesConcierge | Family/ETC availableFamily cardsETC card | Premium dining/travel package | Traditional premium card | — | 30+ with stable income | Open to new applications | — |
 SMBC Platinum PreferredSumitomo Mitsui Card | ¥33,000 | — | Platinum | Travel insurance | Concierge/lounges subject to product termsAirport loungesConciergeConditions apply | Family/ETC availableFamily cardsETC card | Preferred-store bonuses and annual spend bonuses | High points for large/targeted spend | — | 20+ with stable income | Open to new applications | — |
 SMBC Visa InfiniteSumitomo Mitsui Card | ¥99,000 | — | Infinite | Premium travel insuranceTravel coverEnhanced cover | Premium lounge/conciergePremium loungesConcierge | Family/ETC availableFamily cardsETC card | Visa Infinite/premium SMBC privileges | Top public SMBC Visa tier | — | Issuer screening | Open to new applications | — |
 Sumitomo Mitsui Card Gold NLSumitomo Mitsui Card | ¥5,500 | — | Gold | Selectable insurance | Domestic lounges | Family/ETC availableFamily cardsETC card | Annual ¥1m benefit and selected merchant rates | Strong ¥1m-spend milestone card | — | 20+ with stable income | Open to new applications | — |
 Takashimaya CardTakashimaya Financial Partners | ¥2,200 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | High eligible Takashimaya purchase points | Department-store earning | — | 18+ | Open to new applications | — |
 Takashimaya Card GoldTakashimaya Financial Partners | ¥11,000 | — | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | Higher service level at Takashimaya | Premium department-store card | — | 30+ guideline / stable income | Open to new applications | — |
 To Me Card Prime PASMOTokyo Metro | ¥2,200 | First year free · waiver available | General | Travel insurance by issuer | — | Family/ETC availableFamily cardsETC card | Tokyo Metro ride points and PASMO auto-charge | Tokyo Metro commuter benefits | — | 18+ | Open to new applications | — |
 Tokyu Card ClubQ JMB GoldTokyu Card | ¥6,600 | — | Gold | Travel insurance | Airport lounges | Family/ETC availableFamily cardsETC card | TOKYU Group and gold benefits | Regional premium value | — | 20+ | Open to new applications | — |
 Tokyu Card ClubQ JMB PASMOTokyu Card | ¥1,100 | First year free | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | TOKYU Group and PASMO auto-charge benefits | TOKYU corridor integration | — | 18+ | Open to new applications | — |
 UC Platinum CardUC Card | ¥16,500 | — | Platinum | Overseas up to ¥100m; domestic up to ¥50mOverseas travelDomestic travelStated up to ¥100,000,000Stated up to ¥50,000,000 | Visa concierge and airport lounge benefitsAirport loungesConcierge | Family/business partner card ¥3,300; ETC availableFamily cardsPartner cardsETC cardAdditional-card feeStated up to ¥3,300 | Quarterly spend bonuses can lift effective return; selected program bonuses | Strong mid-fee platinum package; device repair and shopping cover | — | Stable income and social credit; students/minors excluded | Open to new applications | — |
 UPSIDER CardUPSIDER | Free | — | General | Fraud-use support; not a travel-benefit cardNo travel cover recordedFraud support | Expense controls and accounting integrations | Unlimited virtual/physical cards subject to issuer controls | Basic 1.0%+ depending on merchant; automatically offsets billing | Limits up to issuer-approved maximum; granular card controls | — | Corporations only | Open to new applications | — |
 View Card GoldJRE Bank / Viewcard | ¥11,000 | — | Gold | Travel insurance | JR East lounge/domestic lounges subject to termsDomestic loungesConditions apply | Family/ETC availableFamily cardsETC card | Shinkansen up to advertised 10%; annual bonus up to 12k points | Premium JR East card | — | 20+ with stable income | Open to new applications | — |
 Visa LINE Pay Credit Card P+Sumitomo Mitsui Card | Free | Confirm on the issuer page | General | See official page | — | See official page | LINE Pay historical bonuses; service changes apply | LINE-linked card | — | 18+ | May be closed to new applications | — |
 Welcia CardAEON Financial Service | Free | — | General | See official page | AEON common benefits and Welcia customer-appreciation routes | Family, ETC, Apple Pay and AEON iDFamily cardsETC cardWallet support | Welcia Group 1.5%; monthly day bonuses can reach 10% under official conditions | Strong for regular Welcia users and WAON POINT redemptions | — | 18+ subject to issuer conditions | Open to new applications | — |
 Wild Bird Society of Japan CardOrico | Free | Confirm on the issuer page | General | See official page | — | See official page | Donation-linked card | Supports conservation | — | 18+ | Open to new applications | — |
 AEON Card MinionsAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Cinema/USJ offers subject to terms | Entertainment discounts | — | 18+ | Open to new applications | — |
 AEON Card SelectAEON Financial Service | Free | — | General | Purchase protection | — | Family/ETC availableFamily cardsETC card | AEON Group 2x; WAON auto-charge; customer appreciation discounts | Bank, WAON and credit in one | — | 18+; graduation-year exception stated | Open to new applications | — |
 AEON Card Select Mickey Mouse DesignAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Same core Select benefits | Disney design | — | 18+ | Open to new applications | — |
 AEON Card Select MinionsAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Cinema and Universal-related offers subject to caps/current terms | Cinema-oriented benefits | — | 18+ | Open to new applications | — |
 AEON Card Select Toy Story DesignAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | AEON 2x; WAON auto-charge; invite path to Gold after conditions | Disney/Pixar design | — | 18+ | Open to new applications | — |
 AEON Card WAON IntegratedAEON Financial Service | Free | — | General | Purchase protection | — | Family/ETC availableFamily cardsETC card | AEON Group 2x and appreciation-day discounts | Straightforward AEON retail card | — | 18+ | Open to new applications | — |
 AEON JMB CardAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Direct JAL-mile earning plus JMB WAON | No-fee direct JAL mileage route | — | 18+ | Open to new applications | — |
 AEON Suica CardAEON Financial Service | Free | — | General | Travel insurance subject to termsTravel coverConditions apply | — | ETC available | Suica function and AEON benefits | AEON plus Suica | — | 18+ | Open to new applications | — |
 Alpen Group Rakuten CardRakuten Card | Free | — | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Alpen Group bonuses | Sports retailer value | — | 18+ | Open to new applications | — |
 Amazon MastercardSumitomo Mitsui Card | Free | — | General | See official page | — | Family up to 3 free; ETC freeFamily cardsETC cardFree additional cards | Amazon 2% Prime / 1.5% non-Prime; convenience-store bonuses | Strong Amazon-native return | — | 18+; high-school students excluded | Open to new applications | — |
 ANA JCB WideANA Card | ¥7,975 | — | Wide | Travel insurance | — | Family/ETC availableFamily cardsETC card | Higher flight bonuses | Frequent-flyer step-up | — | 18+ | Open to new applications | — |
| ANA JCB ZeroANA Card | Free | — | General | Limited/see official page | — | See official page | Entry ANA benefits | No-fee young-user route | — | 18–29 | Closed to new applications | — |
 ANA Mastercard WideANA Card | ¥7,975 | — | Wide | Travel insurance | — | Family/ETC availableFamily cardsETC card | Higher flight bonuses | Frequent-flyer step-up | — | 18+ | Open to new applications | — |
 ANA Visa WideANA Card | ¥7,975 | — | Wide | Travel insurance | — | Family/ETC availableFamily cardsETC card | Higher flight bonuses | Frequent-flyer step-up | — | 18+ | Open to new applications | — |
 apollostation cardIdemitsu Credit | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Per-liter fuel discount; optional add-on services | Easy fuel discount | — | 18+ | Open to new applications | — |
 au PAY Cardau Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | au PAY auto-charge up to advertised 1.5% after conditions | Useful in au/Ponta ecosystem | — | 18+; high-school students excluded | Open to new applications | — |
 Benesse AEON CardAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Benesse benefits | Useful for Benesse customers | — | 18+ | Open to new applications | — |
 bitFlyer Credit CardbitFlyer | Free | — | General | See official page | — | See official page | Bitcoin rewards on spend | Automatic crypto reward | — | 20+ | Open to new applications | — |
 Chiikawa Epos CardEpos Card | Free | — | General | Travel insurance | — | ETC available | Character benefits | Character design | — | 18+ | Open to new applications | — |
 Cosmo The Card HouseCosmo Oil Marketing | Free | — | House card | See official page | — | Family/ETC termsFamily cardsETC cardConditions apply | Cosmo Oil fuel pricing/benefits | Fuel specialist | — | 18+ | Open to new applications | — |
 Cosmo The Card OpusAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Cosmo Oil fuel benefits | Fuel-oriented savings | — | 18+ | Open to new applications | — |
 d CardNTT DOCOMO | Free | — | General | Shopping/phone protection subject to termsShopping coverPhone coverConditions apply | — | Family card free; ETC terms applyFamily cardsETC cardFree additional cardsConditions apply | d CARD merchants and Docomo ecosystem bonuses | Simple 1% card for d POINT users | — | 18+; high-school students excluded | Open to new applications | — |
 Deposit Life CardLife Card | ¥5,500 | — | General | See official page | — | ETC availability depends on tierETC cardConditions apply | Standard card use backed by deposit | Option for people with credit-history difficulty | — | 20+; deposit and screening | Open to new applications | — |
 Epos Card VisaEpos Card | Free | — | General | Overseas travel insurance subject to useOverseas travelConditions apply | — | ETC available; no standard family cardNo family cardETC card | Marui discounts and partner offers | No-fee card with broad perks | — | 18+; high-school students excluded | Open to new applications | — |
 GDO CardMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Golf-course and store benefits | Golf ecosystem | — | 18+ | Open to new applications | — |
 Gold Point Card PlusYodobashi Gold Point Marketing | Free | — | General | Purchase protection | — | ETC available | Yodobashi bonus earning and purchase protection | Yodobashi users | — | 18+ | Open to new applications | — |
 Hirogin Rakuten CardRakuten Card | Free | — | General | Travel insurance | — | See official page | Hiroshima Bank relationship benefits | Regional bank integration | — | 18+; regional bank conditions | Open to new applications | — |
 JAL Card naviJAL Card | Free | — | Student | Travel insurance | — | See official page | Student mileage benefits | Strong student JAL proposition | — | 18–29 student | Open to new applications | — |
 JAL Card Suica Club-AJRE Bank / Viewcard | ¥11,000 | — | Club-A | Travel insurance | — | Family/ETC availableFamily cardsETC card | Higher flight bonuses | JAL flight bonuses plus Suica | — | 18+ | Open to new applications | — |
 JAL CLUB-A CardJAL Card | ¥11,000 | — | Club-A | Enhanced travel insuranceTravel coverEnhanced cover | — | Family/ETC availableFamily cardsETC card | Higher boarding bonuses | Frequent flyer tier | — | 18+ | Open to new applications | — |
 JCB Card RJCB | Free | — | General | See official terms | — | See official page | Advertised 4x points | Higher points | — | 18+; high-school students excluded | Open to new applications | — |
 JCB Card SJCB | Free | — | General | See official terms | — | Family/ETC availableFamily cardsETC card | Partner and J-POINT Mall bonuses | Club Off-style dining/leisure/entertainment benefits | — | 18+; high-school students excluded | Open to new applications | — |
 JCB Card WJCB | Free | — | General | Overseas travel and shopping cover subject to use/termsOverseas travelShopping coverConditions apply | — | Family/ETC availableFamily cardsETC card | At least 2x standard JCB earning; partner/mall bonuses | Strong no-fee JCB points card | — | 18–39; high-school students excluded | Open to new applications | — |
 JCB Card W plus LJCB | Free | — | General | See official terms | — | Family/ETC availableFamily cardsETC card | W earning plus LINDA League benefits | W benefits plus lifestyle offers | — | 18–39; high-school students excluded | Open to new applications | — |
 JizileMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Advertised 3x points | Higher advertised return | — | 18+ | Open to new applications | — |
 JMB JQ SUGOCAAEON Financial Service | Free | — | General | See official page | — | ETC available | JAL/JR Kyushu/SUGOCA integration | Multi-ecosystem regional card | — | 18+ | Open to new applications | — |
 KASUMI CardAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | KASUMI discount days/bonuses | Regional supermarket savings | — | 18+ | Open to new applications | — |
 Kojima x Bic Camera CardAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Kojima/Bic benefits | Electronics retail integration | — | 18+ | Open to new applications | — |
 Life CardLife Card | Free | — | General | Travel cover not on basic card | — | Family/ETC availableFamily cardsETC card | Birthday month 3x points; points valid up to 5 years | Birthday-month value | — | Japan resident 18+ reachable by phone | Open to new applications | — |
 Life Card for StudentsLife Card | Free | — | Student | Overseas travel insurance | — | ETC available | Overseas-spend cashback subject to cap/registration | Student overseas benefits | — | 18–25 student | Open to new applications | — |
 Likeme by Saison CardCredit Saison | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | 1% statement cashback on eligible shopping | Simple cashback | — | See official page | Open to new applications | — |
 Loft CardCredit Saison | Free | — | General | See official page | — | ETC available | Loft discount days | Loft discounts | — | See official page | Open to new applications | — |
 Love the EarthOrico | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Environmental contribution features | Cause-affinity design | — | 18+ | Open to new applications | — |
 MercardMercari / Merpay | Free | — | General | See official page | — | No family/ETCNo family cardNo ETC card | Mercari purchases up to personalized rate; 8th-day benefits | Useful for Mercari users | — | 18+; Mercari account | Open to new applications | — |
 MGA Epos CardEpos Card | Free | — | General | Travel insurance | — | ETC available | Artist-specific benefits/designs | Fan benefits | — | 18+ | Open to new applications | — |
 MileagePlus Saison CardCredit Saison | ¥3,300 | — | General | See official page | — | ETC available | Higher mile rate with MileagePlus plan | Direct United miles | — | See official page | Open to new applications | — |
 Mitsubishi UFJ CardMitsubishi UFJ NICOS | Free | — | General | Overseas travel insurance subject to useOverseas travelConditions apply | — | Family/ETC availableFamily cardsETC card | Up to advertised 20% at eligible merchants with conditions | Broad-network mainstream card | — | 18+; high-school students excluded | Open to new applications | — |
 Mizuho Rakuten CardRakuten Card | Free | — | General | Travel insurance | — | See official page | Mizuho relationship benefits | Mizuho plus Rakuten | — | 18+; Mizuho account conditions | Open to new applications | — |
 MUJI CardCredit Saison | Free | — | General | See official page | — | ETC available | MUJI shopping benefits and periodic points | Useful for frequent MUJI shoppers | — | See official page | Open to new applications | — |
 nimoca Saison CardCredit Saison | Free | — | General | See official page | — | ETC available | nimoca auto-charge | Kyushu transit integration | — | See official page | Open to new applications | — |
 Olive Flexible Pay GeneralSumitomo Mitsui Card | Free | — | General | Selectable insurance | — | Family-card structure differs; ETC availableFamily cardsETC cardConditions apply | Selectable benefits and selected-merchant bonuses | Bank/debit/credit/points modes in one | — | Requires SMBC Olive account/package | Open to new applications | — |
 Orico Card The PointOrico | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Higher rate during entry period and Orico Mall | Simple 1% return | — | 18+ | Open to new applications | — |
 Orico Card The Point Premium GoldOrico | ¥1,986 | — | Gold | Travel insurance | — | Family/ETC availableFamily cardsETC card | Bonus rates for Orico Mall, iD and QUICPay subject to current rules | Low-fee gold with point bonuses | — | 20+ with stable income | Open to new applications | — |
 Orico Card The Point UPtyOrico | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | 1%+ advertised | High points | — | 18+ | Open to new applications | — |
| Otona no Kyujitsu Club MiddleJRE Bank / Viewcard | ¥2,624 | — | General | Travel insurance | — | See official page | JR East fare discounts for eligible ages | Rail discounts for mature travelers | — | Age eligibility applies | Open to new applications | — |
| Otona no Kyujitsu Club ZipangJRE Bank / Viewcard | ¥4,364 | — | General | Travel insurance | — | See official page | JR network fare discounts for eligible ages | Potentially substantial rail savings | — | Higher age eligibility applies | Open to new applications | — |
 PayPay CardPayPay Card | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | PayPay Step can increase eligible return | Native PayPay/Yahoo ecosystem integration | — | 18+; high-school students excluded | Open to new applications | — |
 Rakuten Bank CardRakuten Card | Free | — | General | Travel insurance | — | No family card; ETC termsNo family cardETC cardConditions apply | Rakuten Bank cash card integration | One-card bank integration | — | 18+; Rakuten Bank account | Open to new applications | — |
 Rakuten CardRakuten Card | Free | — | General | Overseas travel insurance subject to useOverseas travelConditions apply | — | Family/ETC available; ETC fee waiver conditionsFamily cardsETC cardConditions apply | Rakuten market/SPU bonuses subject to terms | Simple 1% and broad ecosystem | — | 18+; high-school students excluded | Open to new applications | — |
 Rakuten Card AcademyRakuten Card | Free | — | Student | Travel insurance | — | ETC available | Student-focused Rakuten benefits | Student card | — | 18–28 student | Open to new applications | — |
 Rakuten Card Disney DesignRakuten Card | Free | — | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Same core benefits | Mickey/Minnie variants | — | 18+ | Open to new applications | — |
 Rakuten Card My Color SelectionRakuten Card | Free | — | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Same core Rakuten Card benefits; 27 colors advertised | Large color selection | — | 18+ | Open to new applications | — |
 Rakuten Card Sanrio DesignsRakuten Card | Free | — | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Same core benefits | Kiki & Lala / Kogimyun and other current designs | — | 18+ | Open to new applications | — |
 Rakuten Pink CardRakuten Card | Free | — | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | Optional lifestyle benefits | Design and optional benefits | — | 18+ | Open to new applications | — |
 Recruit CardRecruit | Free | — | General | Travel insurance subject to useTravel coverConditions apply | — | Family/ETC available; issuer differs by networkFamily cardsETC cardConditions apply | 1.2% on eligible general spend | High simple base return | — | 18+ | Open to new applications | — |
 Saison Card DigitalCredit Saison | Free | — | General | See official page | — | ETC; no physical family card on some configurationsNo family cardETC card | Campaign/merchant bonuses | Fast digital issuance and numberless card | — | 18+; high-school students excluded | Open to new applications | — |
 Saison Gold Associe AmexCredit Saison | ¥2,200 | — | Gold | See official page | — | Family/ETC availableFamily cardsETC card | Domestic 1.5x; overseas 2x | Low-fee supplementary Amex route | — | Existing eligible Saison member | Open to new applications | — |
 Samurai Blue Card SaisonCredit Saison | Free | — | General | See official page | — | ETC available | Japan national team ticket/event benefits | Football supporter benefits | — | See official page | Open to new applications | — |
 Seven Card Plus nanaco IntegratedSeven Card Service | Free | — | General | Shopping protection | — | Family/ETC availableFamily cardsETC card | Seven & i group bonus earning; nanaco integration | Seven/nanaco users | — | 18+ | Open to new applications | — |
 Seven Card Plus nanaco LinkedSeven Card Service | Free | — | General | Shopping protection | — | Family/ETC availableFamily cardsETC card | Same core with linked nanaco | Use existing nanaco | — | 18+ | Open to new applications | — |
 Shop Channel Card SaisonCredit Saison | Free | — | General | See official page | — | ETC available | Free shipping/cardholder benefits | Shop Channel benefits | — | See official page | Open to new applications | — |
| Sports Authority CardAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Sports Authority member discounts | Sports retail discounts | — | 18+ | Closed to new applications | — |
| Sumikko Gurashi Epos CardEpos Card | Free | — | General | Travel insurance | — | ETC available | Character benefits | Character design | — | 18+ | Open to new applications | — |
 Sumitomo Mitsui Card NumberlessSumitomo Mitsui Card | Free | — | General | Selectable free insurance | — | Family/ETC availableFamily cardsETC card | High contactless rates at eligible convenience stores/restaurants; conditions apply | Strong selected-merchant card | — | 18+; high-school students excluded | Open to new applications | — |
 TGC CardAEON Financial Service | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | AEON cinema and TGC benefits subject to terms | Fashion/cinema benefits | — | 18+ | Open to new applications | — |
 UCS CardUCS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | APITA/PIAGO and fuel/retail offers | Regional retail benefits | — | 18+; high-school students excluded | Open to new applications | — |
| UCS Card majica GoldUCS | ¥3,300 | First year free | Gold | Domestic/overseas travel insurance up to ¥50m, usage conditionsOverseas travelDomestic travelConditions applyStated up to ¥50,000,000 | Domestic/overseas lounge servicesDomestic loungesOverseas lounges | Family cards ¥1,100 each; ETC availableFamily cardsETC cardAdditional-card feeStated up to ¥1,100 | — | — | — | 30+ guideline / stable income | Open to new applications | — |
 VIASO CardMitsubishi UFJ NICOS | Free | — | General | Travel insurance subject to useTravel coverConditions apply | — | Family/ETC availableFamily cardsETC card | Certain telecom/online mall bonuses | Automatic annual cashback | — | 18+ | Open to new applications | — |
 VIASO CinnamorollMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Same VIASO core earning | Character design | — | 18+ | Open to new applications | — |
 VIASO GudetamaMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Same VIASO core earning | Character design | — | 18+ | Open to new applications | — |
 VIASO mofusand x SanrioMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Same VIASO core earning | Character design | — | 18+ | Open to new applications | — |
 VIASO My MelodyMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Same VIASO core earning | Character design | — | 18+ | Open to new applications | — |
 VIASO Urawa RedsMitsubishi UFJ NICOS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | Team-related design/benefits | Supporter card | — | 18+ | Open to new applications | — |
 View Card StandardJRE Bank / Viewcard | ¥524 | — | General | Travel insurance | — | Family/ETC terms applyFamily cardsETC cardConditions apply | Suica charge/rail products and annual bonus | Core JR East/Suica card | — | 18+; high-school students excluded | Open to new applications | — |
| View Card Standard RevoJRE Bank / Viewcard | Free | — | General | See official page | — | See official page | JR East benefits | No annual fee | — | 18+ | Open to new applications | — |
| "View Suica" CardJRE Bank / Viewcard | ¥524 | Confirm on the issuer page | General | Travel insurance | — | Family/ETC availableFamily cardsETC card | — | — | — | 18+ | Open to new applications | — |
 Daimaru Matsuzakaya Gold CardJFR Card | ¥11,000 | — | Gold | Travel and shopping protectionsTravel coverShopping cover | Airport lounges | Family cards ¥1,100 each; ETC availableFamily cardsETC cardAdditional-card feeStated up to ¥1,100 | — | — | — | 25+ with stable income | Open to new applications | — |
 Daimaru Matsuzakaya Loyal Customer Gold CardJFR Card | ¥11,000 | — | Gold | Travel and shopping protectionsTravel coverShopping cover | Airport lounges | Family cards ¥1,100 each; ETC availableFamily cardsETC cardAdditional-card feeStated up to ¥1,100 | — | — | — | 25+ with stable income | Open to new applications | — |
 GINZA SIX CardJFR Card | ¥2,200 | First year free | General | Domestic travel insurance; shopping and phone protectionDomestic travelShopping coverPhone cover | — | Family cards free; ETC availableFamily cardsETC cardFree additional cards | — | — | — | 18+; high-school students excluded | Open to new applications | — |
 GINZA SIX Prestige CardJFR Card | ¥55,000 | — | Premium | Travel insurance subject to useTravel coverConditions apply | Facility parking and member benefits | Family cards ¥1,100 each; ETC availableFamily cardsETC cardAdditional-card feeStated up to ¥1,100 | — | — | — | 20+ with stable income | Open to new applications | — |
 PARCO CardJFR Card | ¥1,100 | First year free · waiver available | General | Shopping protection | — | Family cards free; ETC availableFamily cardsETC cardFree additional cards | — | — | — | 18+; high-school students excluded | Open to new applications | — |
| Usappy Card PlusIdemitsu Credit | ¥1,375 | First year free · waiver available | General | See official page | — | ETC available | — | — | — | 18+; high-school students excluded | Open to new applications | — |
| majica donpen cardUCS | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | — | — | — | 18+; high-school students excluded | Open to new applications | — |
| Webike apollostation cardIdemitsu Credit | Free | — | General | See official page | — | Family/ETC availableFamily cardsETC card | — | — | — | 18+; high-school students excluded | Open to new applications | — |
232 cards × 12 columns. Card records verified 2026-08-16; points and benefits records verified 2026-08-17. Every cell is recorded from official issuer material; a dash means the research recorded nothing, not that the answer is zero. Fees, benefits and campaigns change — check the issuer page before applying. Nothing here ranks approval likelihood.