Every card’s points mechanics, side by side
232 of 232 match
| Card | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 JCB Card RJCB | J-POINT | 2% | Up to ¥1 per point depending on use | Higher points | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Revolving-payment-only card; interest can overwhelm rewards |
 ANA Visa Platinum PremiumANA Card | ANA miles | 1.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | High ANA mile earning | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Very high fee |
 JizileMitsubishi UFJ NICOS | Global Points | 1.5% | Up to ¥5 per point; cash back is 1 point→¥4 | Higher advertised return | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Revolving-payment-only; interest risk |
 Luxury Card GoldLuxury Card | Luxury Card Rewards | 1.5% | 1 point=¥1 for cash back and many e-gifts | High-end metal card | Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend | 5 years from earning | 1 point=¥1 toward card bill | JAL/ANA/United transfers; concierge/travel benefits are separate | Travel awards/benefits separate from points | 1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher | Very high fee |
 PayPay Card GoldPayPay Card | PayPay Points | 1.5% | 1 point=¥1 in eligible PayPay uses | Potentially strong for SoftBank ecosystem | PayPay Card: base points per ¥200; card/tier and PayPay Step can increase the rate | Ordinary PayPay Points: no expiry; limited points have stated expiry | From 2026, eligible points can offset PayPay Card bills in 1-point units | PayPay-supported travel merchants; no standard airline-mile route | Via PayPay/Yahoo travel payment where eligible | Bill offset or ordinary PayPay spending at ¥1 per point; investment only if risk is acceptable | Telecom bonuses have exclusions and registration requirements |
 Luxury Card BlackLuxury Card | Luxury Card Rewards | 1.25% | 1 point=¥1 for cash back and many e-gifts | Premium metal card | Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend | 5 years from earning | 1 point=¥1 toward card bill | JAL/ANA/United transfers; concierge/travel benefits are separate | Travel awards/benefits separate from points | 1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher | High break-even spend |
 apollostation THE PLATINUM Saison AmexIdemitsu Credit | Plus Points | 1.2% | Variable; bill, partner and mile routes differ | High base return plus fuel, road service and premium travel package | Card-specific points per ¥1,000; Platinum tiers can earn 8–12 points per ¥1,000 | Check current member-site terms | Eligible bill-credit route available | ANA/JAL transfer | Indirect | Bill credit or miles after comparing the current exchange table | Fuel discount volume/spend rules and Priority Pass use limit require checking |
 Recruit CardRecruit | Recruit Points / Ponta / d POINT | 1.2% | 1 point=¥1 for eligible uses | High simple base return | Card-specific; standard d Card purchases generally earn 1 point per ¥100 | Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry | Use toward eligible Docomo service charges; not general cash withdrawal | 1,000 d points→500 JAL miles; monthly exchange cap applies | Indirect via partner/travel services | ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more | Electronic-money charge caps/exclusions and two issuers |
 Alpen Group Rakuten CardRakuten Card | Rakuten Points / Alpen points | 1% | 1 point=¥1 in eligible Rakuten uses | Sports retailer value | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Single-network/niche |
 Amazon MastercardSumitomo Mitsui Card | Amazon Points | 1% | 1 point=¥1 on eligible Amazon.co.jp purchases | Strong Amazon-native return | Card-specific; Amazon Mastercard rate depends on Prime status/Amazon vs convenience-store vs other spend | Amazon account rules apply; activity generally extends ordinary points | No general card bill credit | None directly | None directly | Amazon purchases at ¥1 per point | Amazon-only rewards; specific wallet method needed for maximum convenience-store rate |
 American Express Platinum CardAmerican Express | Membership Rewards | 1% | Highly variable; Membership Rewards Plus improves many rates | Comprehensive premium travel | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Very high fee; benefits must be actively used |
 Amex Business GoldAmerican Express | Membership Rewards | 1% | Highly variable; Membership Rewards Plus improves many rates | Premium business package | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | High fee |
 Amex Business PlatinumAmerican Express | Membership Rewards | 1% | Highly variable; Membership Rewards Plus improves many rates | Premium business card | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Very high fee |
 Amex Gold PreferredAmerican Express | Membership Rewards | 1% | Highly variable; Membership Rewards Plus improves many rates | Travel/dining package | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Credits require use; acceptance and fee |
 ANA American Express CardANA Card | Membership Rewards / ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Mid-tier ANA Amex | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Point transfer/registration conditions |
 ANA Amex GoldANA Card | Membership Rewards / ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Premium ANA Amex | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | High fee |
 ANA Amex PremiumANA Card | Membership Rewards / ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Top-tier ANA Amex | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Extremely high fee |
 ANA Diners CardANA Card | ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Premium dining/travel | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Fee/service revision risk |
 ANA JCB PremiumANA Card | ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Premium ANA JCB | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Very high fee |
 ANA JCB Wide GoldANA Card | ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | ANA JCB gold | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Fee |
 ANA Mastercard Wide GoldANA Card | ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Popular ANA gold route | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Fee |
 ANA To Me Card PASMO JCB GoldTokyo Metro | J-POINT / Metro Points / ANA miles | 1% | Up to ¥1 per point depending on use | ANA + Tokyo Metro premium route | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Transfer rules and fee |
 ANA Visa Wide GoldANA Card | ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Popular ANA gold route | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Fee discounts and transfer rules change |
 au PAY Cardau Financial Service | Ponta | 1% | 1 point=¥1 at eligible uses | Useful in au/Ponta ecosystem | Card-specific; au PAY Card generally 1 point per ¥100 eligible spend | Generally 1 year after the last point earn/use, extended by qualifying activity; limited points differ | Use through au PAY/eligible services rather than cash withdrawal | JAL-mile and travel-service routes available | Travel partners and booking uses vary | 1-point=¥1 Ponta/au PAY use for simplicity; JAL only with a specific award target | Auto-charge bonus has monthly conditions/cap |
 au PAY Gold Cardau Financial Service | Ponta | 1% | 1 point=¥1 at eligible uses | Strong for qualifying au users | Card-specific; au PAY Card generally 1 point per ¥100 eligible spend | Generally 1 year after the last point earn/use, extended by qualifying activity; limited points differ | Use through au PAY/eligible services rather than cash withdrawal | JAL-mile and travel-service routes available | Travel partners and booking uses vary | 1-point=¥1 Ponta/au PAY use for simplicity; JAL only with a specific award target | Caps, exclusions, and required conditions |
| Bic Camera Suica CardJRE Bank / Viewcard | Bic points / JRE POINT | 1% | 1 point=¥1 for many uses | Popular no/low-fee Suica card | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Two point balances; charge rules |
 d CardNTT DOCOMO | d POINT | 1% | 1 point=¥1 for eligible uses | Simple 1% card for d POINT users | Card-specific; standard d Card purchases generally earn 1 point per ¥100 | Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry | Use toward eligible Docomo service charges; not general cash withdrawal | 1,000 d points→500 JAL miles; monthly exchange cap applies | Indirect via partner/travel services | ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more | Some Docomo bill payments may not earn normal points |
 d Card GoldNTT DOCOMO | d POINT | 1% | 1 point=¥1 for eligible uses | Strong for qualifying Docomo spend | Card-specific; standard d Card purchases generally earn 1 point per ¥100 | Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry | Use toward eligible Docomo service charges; not general cash withdrawal | 1,000 d points→500 JAL miles; monthly exchange cap applies | Indirect via partner/travel services | ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more | Excluded plans/charges and tax-exclusive calculation |
 d Card Gold UNTT DOCOMO | d POINT | 1% | 1 point=¥1 for eligible uses | Lower-cost gold for eligible users | Card-specific; standard d Card purchases generally earn 1 point per ¥100 | Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry | Use toward eligible Docomo service charges; not general cash withdrawal | 1,000 d points→500 JAL miles; monthly exchange cap applies | Indirect via partner/travel services | ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more | Ages out; fee waiver conditions |
 d Card PlatinumNTT DOCOMO | d POINT | 1% | 1 point=¥1 for eligible uses | Premium Docomo ecosystem card | Card-specific; standard d Card purchases generally earn 1 point per ¥100 | Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry | Use toward eligible Docomo service charges; not general cash withdrawal | 1,000 d points→500 JAL miles; monthly exchange cap applies | Indirect via partner/travel services | ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more | Intro rate falls; many exclusions; annual benefit thresholds |
 Hirogin Rakuten CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Regional bank integration | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Regional/account relevance |
 JAL Card naviJAL Card | JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Strong student JAL proposition | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Must meet student/age conditions |
 JAL Card PlatinumJAL Card | JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Premium JAL JCB | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | High fee |
 JAL Club EST Gold/PlatinumJAL Card | JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Adds value for frequent young flyers | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Complex combination pricing |
 JAL Club EST OrdinaryJAL Card | JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Enhanced 20s benefits | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Add-on fee and age limit |
 JAL CLUB-A Gold CardJAL Card | JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | All-in JAL gold | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Fee and lounge guest rules |
 JAL Diners CardJAL Card | JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Premium JAL/Diners | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | 2026 fee/service revision |
 JCB Biz ONE GeneralJCB | J-POINT | 1% | Up to ¥1 per point depending on use | High no-fee earn for a single-user business card | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | No employee/additional cards; point redemption value varies |
 JCB Biz ONE GoldJCB | J-POINT | 1% | Up to ¥1 per point depending on use | Low-fee business gold with 1% base-equivalent earn | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | No employee/additional cards; waiver excludes specified transactions |
 JCB Card WJCB | J-POINT | 1% | Up to ¥1 per point depending on use | Strong no-fee JCB points card | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | New applications limited to age 39; exclusions and J-POINT conversion value matter |
 JCB Card W plus LJCB | J-POINT | 1% | Up to ¥1 per point depending on use | W benefits plus lifestyle offers | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Age limit; partner offers change |
 Luxury Card TitaniumLuxury Card | Luxury Card Rewards | 1% | 1 point=¥1 for cash back and many e-gifts | Entry metal Luxury Card | Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend | 5 years from earning | 1 point=¥1 toward card bill | JAL/ANA/United transfers; concierge/travel benefits are separate | Travel awards/benefits separate from points | 1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher | High fee |
 MercardMercari / Merpay | Mercari Points | 1% | 1 point=¥1 in eligible Mercari/Merpay use | Useful for Mercari users | Mercard: base rate outside Mercari and personalized rate on Mercari; Gold adds annual-spend benefits | Depends on grant type; campaign/limited points can have short fixed expiry | Use within Mercari/Merpay; no cash withdrawal | Only where Merpay is accepted | Only via accepted payment | Use limited points first on Mercari/Merpay at ¥1 | Personalized rate and closed-loop points |
 Mercard GoldMercari / Merpay | Mercari Points | 1% | 1 point=¥1 in eligible Mercari/Merpay use | Mercari-heavy spend proposition | Mercard: base rate outside Mercari and personalized rate on Mercari; Gold adds annual-spend benefits | Depends on grant type; campaign/limited points can have short fixed expiry | Use within Mercari/Merpay; no cash withdrawal | Only where Merpay is accepted | Only via accepted payment | Use limited points first on Mercari/Merpay at ¥1 | Newer product; rules and caps need frequent refresh |
 MI Card Plus GoldMI Card | MI Points | 1% | 1 point=¥1 at eligible Mitsukoshi Isetan Group uses | Premium Mitsukoshi Isetan card | Card-specific; MI Card Plus Basic generally 0.5% and Plus/Gold have department-store and tier-specific rates | Expires after the program-defined period shown in the account; limited points can differ | No broad cash withdrawal; use at group stores or published partners | JAL/ANA transfer routes may be available at current ratios | Indirect through partners | 1-point=¥1 group-store use; compare mile ratios only for a planned award | Fee vs department-store spend |
 Mizuho Rakuten CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Mizuho plus Rakuten | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Account/product combination rules |
 Olive Flexible Pay Platinum PreferredSumitomo Mitsui Card | V POINT | 1% | 1 point=¥1 in common uses | Integrated high-reward premium card | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Fee, caps and bank dependency |
 Orico Card The Gold PrimeOrico | Orico Points | 1% | Typically 1 point≈¥1 on many e-gift/partner routes | Broad gold package | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Fee versus usage |
 Orico Card The PointOrico | Orico Points | 1% | Typically 1 point≈¥1 on many e-gift/partner routes | Simple 1% return | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Orico Points expire; redemption timing matters |
 Orico Card The Point Premium GoldOrico | Orico Points | 1% | Typically 1 point≈¥1 on many e-gift/partner routes | Low-fee gold with point bonuses | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Bonus categories/caps and e-money rules |
 Orico Card The Point UPtyOrico | Orico Points | 1% | Typically 1 point≈¥1 on many e-gift/partner routes | High points | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Revolving-payment-only; interest can exceed rewards |
 PayPay CardPayPay Card | PayPay Points | 1% | 1 point=¥1 in eligible PayPay uses | Native PayPay/Yahoo ecosystem integration | PayPay Card: base points per ¥200; card/tier and PayPay Step can increase the rate | Ordinary PayPay Points: no expiry; limited points have stated expiry | From 2026, eligible points can offset PayPay Card bills in 1-point units | PayPay-supported travel merchants; no standard airline-mile route | Via PayPay/Yahoo travel payment where eligible | Bill offset or ordinary PayPay spending at ¥1 per point; investment only if risk is acceptable | PayPay Step conditions and exclusions |
 Rakuten ANA Mileage Club CardRakuten Card | Rakuten Points or ANA miles | 1% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Flexible Rakuten/ANA route | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Mileage conversion economics and annual-use waiver |
 Rakuten Bank CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | One-card bank integration | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | JCB only; cannot hold some combinations |
 Rakuten Black CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Top Rakuten tier | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Eligibility and benefit caps |
 Rakuten CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Simple 1% and broad ecosystem | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Some payments earn lower/no points; SPU conditions change |
 Rakuten Card AcademyRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Student card | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Age/student and graduation transition |
 Rakuten Card Disney DesignRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Mickey/Minnie variants | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | JCB and design combination limits |
 Rakuten Card My Color SelectionRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Large color selection | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Mastercard only for this design family |
 Rakuten Card Sanrio DesignsRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Kiki & Lala / Kogimyun and other current designs | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Design availability changes |
 Rakuten Gold CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Low-fee gold | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Benefits are limited versus premium; SPU changes |
 Rakuten Pink CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Design and optional benefits | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Paid add-ons |
 Rakuten Premium CardRakuten Card | Rakuten Points | 1% | 1 point=¥1 in eligible Rakuten uses | Travel benefits | Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates | Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates | Use ordinary points toward Rakuten Card bill in eligible units | Rakuten Travel and ANA-mile exchange | Rakuten Travel and partner hotels | Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry | Priority Pass rules changed over time |
 SMBC Business Owners Platinum PreferredSumitomo Mitsui Card | V POINT | 1% | 1 point=¥1 in common uses | High base earn and annual bonuses for large business expenses | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Large-spend benefits, insurance triggers and merchant-specific caps must be checked |
 SMBC Platinum PreferredSumitomo Mitsui Card | V POINT | 1% | 1 point=¥1 in common uses | High points for large/targeted spend | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Bonus caps and fee break-even |
 Tokyu Card ClubQ JMB GoldTokyu Card | TOKYU POINT / JAL miles | 1% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Regional premium value | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Regional relevance |
 UC Platinum CardUC Card | UC Points | 1% | Variable by redemption | Strong mid-fee platinum package; device repair and shopping cover | UC Platinum generally 2 points per ¥1,000 eligible spend; card-specific rules | Check card/program terms | Rate varies by route | Mileage/partner routes may be available | Indirect | Highest-value published route after quarterly bonus calculation | Redemption value and quarterly bonus conditions determine actual return |
 UPSIDER CardUPSIDER | UPSIDER automatic cashback | 1% | ¥1 of offset per ¥1 cash-back value | Limits up to issuer-approved maximum; granular card controls | Automatic cash-back rate by merchant/current corporate program | Applied automatically according to billing rules | Automatic bill offset | No transfer | No transfer | Automatic bill offset | Corporations only; rewards and limits vary by merchant/underwriting |
 apollostation Platinum BusinessIdemitsu Credit | Plus Points | 0.8% | Variable; bill, partner and mile routes differ | Fuel and business support in a premium corporate package | Card-specific points per ¥1,000; Platinum tiers can earn 8–12 points per ¥1,000 | Check current member-site terms | Eligible bill-credit route available | ANA/JAL transfer | Indirect | Bill credit or miles after comparing the current exchange table | Visa and Amex benefits differ; free-use and spend conditions apply |
 Saison Gold American Express CardCredit Saison | Permanent Points | 0.75% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Travel and point multipliers | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Fee offers vary |
 Saison Gold Associe AmexCredit Saison | Permanent Points | 0.75% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Low-fee supplementary Amex route | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Not a standalone choice for everyone |
 Saison Platinum American Express CardCredit Saison | Permanent Points / JAL miles | 0.75% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | JAL mileage and premium travel | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | SAISON MILE CLUB conditions and fees must be checked |
 Saison Rose Gold American Express CardCredit Saison | Permanent Points | 0.75% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Lifestyle and travel package | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Offer terms change |
 EX Gold for Biz MOrico | 暮らスマイル / Orico points | 0.6% | Typically 1 point≈¥1 on many e-gift/partner routes | Low-cost company card | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Business application requirements |
 EX Gold for Biz SOrico | 暮らスマイル / Orico points | 0.6% | Typically 1 point≈¥1 on many e-gift/partner routes | Low-cost business card | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Business use; reward system differs |
 AEON Card MinionsAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Entertainment discounts | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Caps and exclusions |
 AEON Card SelectAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Bank, WAON and credit in one | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Requires AEON Bank; non-AEON base return is modest |
 AEON Card Select Mickey Mouse DesignAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Disney design | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | JCB only |
 AEON Card Select MinionsAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Cinema-oriented benefits | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Ticket caps and purchase channel rules |
 AEON Card Select Toy Story DesignAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Disney/Pixar design | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | JCB only; AEON Bank required |
 AEON Card WAON IntegratedAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Straightforward AEON retail card | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | No AEON Bank Select bonuses |
 AEON Gold CardAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | No-fee gold after qualification | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Not generally directly application-accessible |
 AEON JMB CardAEON Financial Service | JAL miles | 0.5% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | No-fee direct JAL mileage route | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Lower base mile return than premium airline cards |
 AEON Suica CardAEON Financial Service | WAON POINT / JRE POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | AEON plus Suica | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Point transfer and recharge earning need checking |
 ANA JCB GeneralANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Entry ANA JCB | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer fee |
 ANA JCB WideANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Frequent-flyer step-up | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer fee may apply |
| ANA JCB ZeroANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | No-fee young-user route | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Age and 5-year transition conditions |
 ANA Mastercard GeneralANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Entry ANA Mastercard | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer fee |
 ANA Mastercard WideANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Frequent-flyer step-up | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer fee may apply |
 ANA To Me Card PASMO JCBANA Card | Oki Doki/J-POINT, Metro points, ANA miles | 0.5% | Up to ¥1 per point depending on use | Three-way transit/mileage ecosystem | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Transfer rules can change |
 ANA TOKYU Point ClubQ PASMO MastercardANA Card | V POINT / TOKYU POINT / ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Useful for TOKYU users | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer ratios/fees |
 ANA Visa GeneralANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Entry ANA Visa | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | High-value transfer course may cost extra |
 ANA Visa General (SMBC)Sumitomo Mitsui Card | V POINT / ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | ANA ecosystem | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer fees |
 ANA Visa SuicaANA Card | V POINT / ANA miles / Suica | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | ANA plus Suica | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | No standard family card; transfer fee |
 ANA Visa WideANA Card | ANA miles | 0.5% | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Frequent-flyer step-up | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Transfer fee may apply |
 Benesse AEON CardAEON Financial Service | WAON POINT / Benesse points | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Useful for Benesse customers | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Niche ecosystem |
 Chiikawa Epos CardEpos Card | Epos Points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | Character design | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Issue fee and availability |
 Cosmo The Card OpusAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Fuel-oriented savings | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Savings depend on station/price structure |
 Daimaru Matsuzakaya CardJFR Card | QIRA Points / store points | 0.5% | Usually retailer-specific; commonly ¥1 per point where used at the issuing retailer | Daimaru/Matsuzakaya value | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Store-specific economics |
 Deposit Life CardLife Card | LIFE Points | 0.5% | Variable by exchange; calculate yen value before comparing | Option for people with credit-history difficulty | Card-specific Life Points per ¥1,000; stage and birthday-month multipliers apply under current rules | Up to 5 years when required carry-forward procedures/conditions are met | Cash-back exchange is available at a program-specific ratio | ANA-mile transfer and travel-related items | Indirect via gift/partner routes | Highest-yen gift/partner route you will actually use; track extension procedures | Deposit ties up cash; fee and limit |
 Epos Card VisaEpos Card | Epos Points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | No-fee card with broad perks | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Base return modest; no family card |
 Epos Gold CardEpos Card | Epos Points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | Can be very good after free invitation | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Chosen-shop rules and recent program changes |
 Epos Platinum CardEpos Card | Epos Points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | Spend-bonus premium card | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Break-even depends on annual spend; 2026 program revisions |
 Gold Card SaisonCredit Saison | Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Classic Saison gold benefits | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Standard return may not justify fee alone |
 Gold UPtyOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Flexible monthly payment | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Revolving-payment-only |
 JA CardMitsubishi UFJ NICOS | Global Points | 0.5% | Up to ¥5 per point; cash back is 1 point→¥4 | JA ecosystem integration | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Many local variants and settlement requirements |
 JAL Card OrdinaryJAL Card | JAL miles | 0.5% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Entry JAL card | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Shopping Mile Premium fee needed for higher shopping earn |
 JAL Card Suica Club-AJRE Bank / Viewcard | JAL miles / JRE POINT | 0.5% | 1 point=¥1 for many uses | JAL flight bonuses plus Suica | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Compare paid shopping mile premium |
 JAL Card Suica OrdinaryJRE Bank / Viewcard | JAL miles / JRE POINT | 0.5% | 1 point=¥1 for many uses | Useful for JAL flyers in JR East area | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Two-point-system complexity; no WAON route |
 JAL CLUB-A CardJAL Card | JAL miles | 0.5% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Frequent flyer tier | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Shopping Mile Premium extra |
 Japan Animal Welfare Society CardOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Supports animal welfare | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Confirm donation mechanism |
 JCB Card SJCB | J-POINT | 0.5% | Up to ¥1 per point depending on use | Club Off-style dining/leisure/entertainment benefits | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Base value depends on redemption |
| JCB General / Partner With PointJCB | J-POINT | 0.5% | Up to ¥1 per point depending on use | Amazon-oriented earning | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Not necessarily best value versus no-fee alternatives |
 JCB GoldJCB | J-POINT | 0.5% | Up to ¥1 per point depending on use | Travel, dining and lounge package | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Insurance is generally use-conditional; benefit utilization needed |
 JCB Gold / Partner With PointJCB | J-POINT | 0.5% | Up to ¥1 per point depending on use | Amazon checkout with J-POINT; JCB credit-card accumulation; Gold-tier services | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | No invitation upgrade to JCB Gold The Premier/The Class from this PWP product; accumulation cap/conditions apply |
 JCB LINDAJCB | J-POINT | 0.5% | Up to ¥1 per point depending on use | Lifestyle and beauty offers | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | Monthly maintenance fee conditions |
 JCB PlatinumJCB | J-POINT | 0.5% | Up to ¥1 per point depending on use | Concierge and Gourmet Benefit | Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply | General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month | Available routes vary; do not assume ¥1 per point for every bill-credit option | Airline miles and travel-related awards; transfer ratios vary | Indirect through travel/partner awards | 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart | High fee; verify guest/lounge usage rules |
 JMB JQ SUGOCAAEON Financial Service | JAL miles / JR Kyushu Q points | 0.5% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Multi-ecosystem regional card | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Complex point routing |
 JQ Card Epos GoldEpos Card | Epos Points / JR Kyushu Q points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | Strong point-transfer utility | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Application route and selected-shop changes |
 JQ Card Saison GoldCredit Saison | JR Kyushu Q points / Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Strong point-transfer flexibility | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Invitation and waiver terms need checking |
 JRE CardJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | Strong for JRE CARD preferred stores | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Eligible-store mapping matters |
 KASUMI CardAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Regional supermarket savings | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Regional relevance |
 Kojima x Bic Camera CardAEON Financial Service | WAON POINT / store points | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Electronics retail integration | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Point treatment varies by merchant/payment |
 Life CardLife Card | LIFE Points | 0.5% | Variable by exchange; calculate yen value before comparing | Birthday-month value | Card-specific Life Points per ¥1,000; stage and birthday-month multipliers apply under current rules | Up to 5 years when required carry-forward procedures/conditions are met | Cash-back exchange is available at a program-specific ratio | ANA-mile transfer and travel-related items | Indirect via gift/partner routes | Highest-yen gift/partner route you will actually use; track extension procedures | Base rate modest; program valuation |
 Life Card for StudentsLife Card | LIFE Points / cashback | 0.5% | Variable by exchange; calculate yen value before comparing | Student overseas benefits | Card-specific Life Points per ¥1,000; stage and birthday-month multipliers apply under current rules | Up to 5 years when required carry-forward procedures/conditions are met | Cash-back exchange is available at a program-specific ratio | ANA-mile transfer and travel-related items | Indirect via gift/partner routes | Highest-yen gift/partner route you will actually use; track extension procedures | Age/enrollment/cap |
 Life Card GoldLife Card | LIFE Points | 0.5% | Variable by exchange; calculate yen value before comparing | Traditional gold | Card-specific Life Points per ¥1,000; stage and birthday-month multipliers apply under current rules | Up to 5 years when required carry-forward procedures/conditions are met | Cash-back exchange is available at a program-specific ratio | ANA-mile transfer and travel-related items | Indirect via gift/partner routes | Highest-yen gift/partner route you will actually use; track extension procedures | Base return and fee |
 Loft CardCredit Saison | Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Loft discounts | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Best only if Loft spend is meaningful |
 Love the EarthOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Cause-affinity design | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Lower decision relevance for pure rewards |
 Lumine CardJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | Easy-to-value Lumine discount | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Only valuable with sufficient Lumine spend |
 MGA Epos CardEpos Card | Epos Points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | Fan benefits | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Designs open/close frequently |
 MI Card BasicMI Card | MI Points | 0.5% | 1 point=¥1 at eligible Mitsukoshi Isetan Group uses | No-fee entry card for the Mitsukoshi Isetan ecosystem | Card-specific; MI Card Plus Basic generally 0.5% and Plus/Gold have department-store and tier-specific rates | Expires after the program-defined period shown in the account; limited points can differ | No broad cash withdrawal; use at group stores or published partners | JAL/ANA transfer routes may be available at current ratios | Indirect through partners | 1-point=¥1 group-store use; compare mile ratios only for a planned award | Department-store bonus rates exclude named products/brands and vary by purchase conditions |
 MI Card PlusMI Card | MI Points | 0.5% | 1 point=¥1 at eligible Mitsukoshi Isetan Group uses | Department-store return | Card-specific; MI Card Plus Basic generally 0.5% and Plus/Gold have department-store and tier-specific rates | Expires after the program-defined period shown in the account; limited points can differ | No broad cash withdrawal; use at group stores or published partners | JAL/ANA transfer routes may be available at current ratios | Indirect through partners | 1-point=¥1 group-store use; compare mile ratios only for a planned award | Outside-group base value |
 Mitsubishi UFJ CardMitsubishi UFJ NICOS | Global Points | 0.5% | Up to ¥5 per point; cash back is 1 point→¥4 | Broad-network mainstream card | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Maximum rate requires multiple conditions and has cap |
 Mitsubishi UFJ Card GoldMitsubishi UFJ NICOS | Global Points | 0.5% | Up to ¥5 per point; cash back is 1 point→¥4 | Multi-network gold | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Check newer Gold Preferred positioning and fee |
 Mitsubishi UFJ Card Gold PrestigeMitsubishi UFJ NICOS | Global Points | 0.5% | Up to ¥5 per point; cash back is 1 point→¥4 | Mainstream bank gold | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Fee waiver/bonus rules |
 Mitsui Shopping Park Card SaisonCredit Saison | Permanent Points (永久不滅ポイント) + Mitsui Shopping Park Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Double earning at Mitsui Fudosan shopping facilities | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Network/version differences and inactivity service fee require checking |
 MUFG Card Disney DesignMitsubishi UFJ NICOS | Global Points | 0.5% | Up to ¥5 per point; cash back is 1 point→¥4 | Disney design | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Paid fee versus standard free MUFG card |
 MUFG Card Platinum American ExpressMitsubishi UFJ NICOS | Global Points | 0.5% | Up to ¥5 per point; cash back is 1 point→¥4 | Relatively accessible premium travel package | 1 point per ¥1,000 monthly eligible spend; point value up to ¥5 depending on redemption | 2 years from award month; Platinum 3 years | 1 point→¥4 cash back | JAL miles and travel-related catalog options | Indirect via wallet/partner use | Global Point Wallet/5-yen merchandise if useful; cash back is simpler at 4 yen | Guest and lounge restaurant counts/fees |
 MUJI CardCredit Saison | Permanent Points / MUJI points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Useful for frequent MUJI shoppers | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Benefits can be seasonal |
 Olive Flexible Pay GeneralSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | Bank/debit/credit/points modes in one | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Requires bank relationship; credit mode subject to screening |
 Olive Flexible Pay GoldSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | Integrated bank and gold card | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Qualification rules and account coupling |
| Otona no Kyujitsu Club MiddleJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | Rail discounts for mature travelers | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Age/region and ticket conditions |
| Otona no Kyujitsu Club ZipangJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | Potentially substantial rail savings | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Complex age and ticket conditions |
 Red Cross Orico CardOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Supports Japanese Red Cross | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Confirm donation mechanism |
 Red Feather CardOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Supports charity | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Confirm donation mechanism |
 Saison Card DigitalCredit Saison | Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Fast digital issuance and numberless card | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Standard base return is modest |
 Saison Cobalt Business American Express CardCredit Saison | Permanent Points (永久不滅ポイント) | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | No-cost business card with strong selected-service earn | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | 4x applies only to named merchants; campaign terms change |
 Saison Gold PremiumCredit Saison | Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Everyday-spend and movie benefits | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Merchant registration/caps and fee waiver rules |
 Saison Pearl Amex DigitalCredit Saison | Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Mobile-payment-oriented bonuses | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Caps and current eligible-wallet terms change |
 Saison Platinum Business American Express CardCredit Saison | Permanent Points (永久不滅ポイント) | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | No registry or financial statements required; business support services | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Mileage-club fee/eligibility and Priority Pass terms can change |
 Samurai Blue Card SaisonCredit Saison | Permanent Points | 0.5% | Up to about ¥5 per point; bill credit is commonly 200 points→¥900 | Football supporter benefits | 1 point per ¥1,000 of monthly eligible spend on standard cards; Saison Amex/tier multipliers vary | No expiry while account remains eligible | 200 points→¥900 on the standard points-to-bill route | ANA/JAL transfer; SAISON MILE CLUB on eligible cards | Travel and hotel-related catalog/partner awards | A 5-yen-equivalent reward or an eligible JAL-mile route; bill credit is simpler but lower value | Event benefits are variable |
 Seven Card Plus nanaco IntegratedSeven Card Service | nanaco points | 0.5% | 1 point=¥1 after electronic-money nanaco exchange | Seven/nanaco users | Seven Card Plus generally 1 point per ¥200 eligible card spend, with higher rates/bonus items at named Seven & i merchants | Points earned Apr–Mar generally expire at the end of March two years later; verify account display | No general bill-credit route | ANA miles/SKY Coins | Indirect via ANA/travel use | 1-point=¥1 nanaco electronic money; ANA only for a planned redemption | Low base rate; eligible-store rules |
 Seven Card Plus nanaco LinkedSeven Card Service | nanaco points | 0.5% | 1 point=¥1 after electronic-money nanaco exchange | Use existing nanaco | Seven Card Plus generally 1 point per ¥200 eligible card spend, with higher rates/bonus items at named Seven & i merchants | Points earned Apr–Mar generally expire at the end of March two years later; verify account display | No general bill-credit route | ANA miles/SKY Coins | Indirect via ANA/travel use | 1-point=¥1 nanaco electronic money; ANA only for a planned redemption | JCB only and store-specific value |
 SMBC Business OwnersSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | No corporate registry/financial statements for application; integrates with Vpass | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Bonus requires eligible personal-card pairing and specified use |
 SMBC Business Owners GoldSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | Fee waiver plus annual-spend bonus is unusually strong for business use | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | ¥1m calculation exclusions and pairing/bank-account conditions matter |
 SMBC PlatinumSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | Traditional premium card | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Base rewards low for fee |
| Sports Authority CardAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Sports retail discounts | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Store-specific value |
| Sumikko Gurashi Epos CardEpos Card | Epos Points | 0.5% | Often 1 point=¥1 for Marui discount/prepaid/bill uses | Character design | Usually 1 point per ¥200 eligible spend; Gold/Platinum annual and selected-shop bonuses differ | General: 2 years from award, extendable when near expiry; Gold/Platinum: no expiry | Reduce eligible card payment with points | ANA/JAL transfer; travel insurance is a separate card benefit | Indirect via prepaid/gifts/partners | 1-yen bill/Marui/prepaid use, or an airline transfer with a planned redemption | Issue fee and availability |
 Sumitomo Mitsui Card Gold NLSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | Strong ¥1m-spend milestone card | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Threshold measurement/exclusions; marginal spend distortion |
 Sumitomo Mitsui Card NumberlessSumitomo Mitsui Card | V POINT | 0.5% | 1 point=¥1 in common uses | Strong selected-merchant card | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Maximum rate needs app/account/family conditions and eligible contactless method |
 TGC CardAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Fashion/cinema benefits | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | Benefit caps |
 The GoldOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Traditional gold card | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Base return and fee |
 To Me Card Prime PASMOTokyo Metro | Metro Points / issuer points | 0.5% | 1 point=¥1 for PASMO charge | Tokyo Metro commuter benefits | Ride-frequency, electronic-money and To Me Card-specific earning after registration | Points earned Apr–Mar expire at the end of March two years later (maximum 2 years) | No card bill credit | ANA miles; Tokyo Metro rides | Indirect via ANA | PASMO at ¥1 per point, or ANA using an eligible favorable To Me Card rate | Network issuers and waiver conditions differ |
 Tokyu Card ClubQ JMB PASMOTokyu Card | TOKYU POINT / JAL miles | 0.5% | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | TOKYU corridor integration | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Base rate and account setup |
 VIASO CardMitsubishi UFJ NICOS | VIASO Points / auto-cashback | 0.5% | 1 point=¥1 automatic cash back | Automatic annual cashback | 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply | One-year accumulation cycle; below-threshold balance is forfeited at cycle end | Automatic 1 point=¥1; only when annual balance reaches 1,000 points | No mileage transfer in the core program | No hotel transfer | Automatic cash back, but only for users likely to earn at least 1,000 points/year | Points below redemption threshold can lapse |
 VIASO CinnamorollMitsubishi UFJ NICOS | VIASO Points | 0.5% | 1 point=¥1 automatic cash back | Character design | 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply | One-year accumulation cycle; below-threshold balance is forfeited at cycle end | Automatic 1 point=¥1; only when annual balance reaches 1,000 points | No mileage transfer in the core program | No hotel transfer | Automatic cash back, but only for users likely to earn at least 1,000 points/year | Threshold/expiry risk |
 VIASO GudetamaMitsubishi UFJ NICOS | VIASO Points | 0.5% | 1 point=¥1 automatic cash back | Character design | 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply | One-year accumulation cycle; below-threshold balance is forfeited at cycle end | Automatic 1 point=¥1; only when annual balance reaches 1,000 points | No mileage transfer in the core program | No hotel transfer | Automatic cash back, but only for users likely to earn at least 1,000 points/year | Threshold/expiry risk |
 VIASO mofusand x SanrioMitsubishi UFJ NICOS | VIASO Points | 0.5% | 1 point=¥1 automatic cash back | Character design | 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply | One-year accumulation cycle; below-threshold balance is forfeited at cycle end | Automatic 1 point=¥1; only when annual balance reaches 1,000 points | No mileage transfer in the core program | No hotel transfer | Automatic cash back, but only for users likely to earn at least 1,000 points/year | Threshold/expiry risk |
 VIASO My MelodyMitsubishi UFJ NICOS | VIASO Points | 0.5% | 1 point=¥1 automatic cash back | Character design | 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply | One-year accumulation cycle; below-threshold balance is forfeited at cycle end | Automatic 1 point=¥1; only when annual balance reaches 1,000 points | No mileage transfer in the core program | No hotel transfer | Automatic cash back, but only for users likely to earn at least 1,000 points/year | Threshold/expiry risk |
 VIASO Urawa RedsMitsubishi UFJ NICOS | VIASO Points | 0.5% | 1 point=¥1 automatic cash back | Supporter card | 5 points per ¥1,000 monthly eligible spend (0.5%); named services/mall can multiply | One-year accumulation cycle; below-threshold balance is forfeited at cycle end | Automatic 1 point=¥1; only when annual balance reaches 1,000 points | No mileage transfer in the core program | No hotel transfer | Automatic cash back, but only for users likely to earn at least 1,000 points/year | Threshold/expiry risk |
 View Card GoldJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | Premium JR East card | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Annual-spend thresholds and rail-product eligibility |
 View Card StandardJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | Core JR East/Suica card | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Base everyday rate is modest |
| View Card Standard RevoJRE Bank / Viewcard | JRE POINT | 0.5% | 1 point=¥1 for many uses | No annual fee | Card-specific: ordinary View spending often 5 points per ¥1,000; Suica charge/rail products and station facilities can earn more | Until 2 years after the month of last point-balance change; activity extends ordinary points | No broad cash statement-credit route | Rail tickets/Green Car; JAL conversion on JAL Card Suica | JR/travel catalog and merchant use | Suica charge or JR East purchase at ¥1 per point; miles only when the card-specific ratio fits | Revolving-payment-only; interest risk |
 Welcia CardAEON Financial Service | WAON POINT | 0.5% | 1 point=¥1 at eligible stores or after WAON charge | Strong for regular Welcia users and WAON POINT redemptions | 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores | Maximum 2 years based on first award month in each annual cycle | No universal cash statement-credit route | Some partner/mile exchanges may be available by card/program | Indirect through partner/catalog options | 1-point=¥1 checkout or WAON charge; use before cycle expiry | iD/Apple Pay can earn a lower Welcia rate; dates/eligible stores matter |
 Wild Bird Society of Japan CardOrico | Orico points | 0.5% | Typically 1 point≈¥1 on many e-gift/partner routes | Supports conservation | Card-specific; Orico Card THE POINT commonly 1 Orico Point per ¥100; legacy Smile programs differ | Orico Points generally expire 12 months after acquisition; legacy Smile rules differ | No general cash withdrawal; routes depend on catalog | ANA/JAL and travel partners may be available at current ratios | Indirect via gift/partner routes | A 1-yen-equivalent e-gift/partner route before the short expiry | Confirm donation mechanism |
 American Express Green CardAmerican Express | Membership Rewards | 0.3% | Highly variable; Membership Rewards Plus improves many rates | Entry Amex lifestyle card | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Base cash-equivalent value depends heavily on redemption |
 Amex Business GreenAmerican Express | Membership Rewards | 0.3% | Highly variable; Membership Rewards Plus improves many rates | Small-business Amex entry | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Fee and redemption value |
 MileagePlus Saison Gold CardCredit Saison | United MileagePlus | 1.5% | — | High direct mile earning | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Annual cap and mileage valuation are critical |
 MileagePlus Saison Platinum CardCredit Saison | United MileagePlus | 1.5% | — | Premium airline benefits | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | High fee; confirm cap and 2026 changes |
 bitFlyer Platinum CardbitFlyer | Bitcoin rewards | 1% | — | Higher crypto earning | A fixed or card-tier percentage of eligible spend is returned as cash, bill credit or Bitcoin | Cash credit follows billing; crypto does not expire but market value changes | Core use is bill/cash credit | No transfer unless separately offered | No transfer | Cash credit for certainty; Bitcoin only if comfortable with volatility and tax treatment | Fee/waiver and crypto volatility |
 Gold Point Card PlusYodobashi Gold Point Marketing | Yodobashi Gold Points | 1% | — | Yodobashi users | Card-specific; standard d Card purchases generally earn 1 point per ¥100 | Since 2025-12-01, ordinary points expire 12 months after last earn/use activity; limited points have fixed expiry | Use toward eligible Docomo service charges; not general cash withdrawal | 1,000 d points→500 JAL miles; monthly exchange cap applies | Indirect via partner/travel services | ¥1-per-point merchant/Docomo use unless a planned JAL redemption is worth more | Store-point concentration |
 Likeme by Saison CardCredit Saison | Cashback | 1% | — | Simple cashback | A fixed or card-tier percentage of eligible spend is returned as cash, bill credit or Bitcoin | Cash credit follows billing; crypto does not expire but market value changes | Core use is bill/cash credit | No transfer unless separately offered | No transfer | Cash credit for certainty; Bitcoin only if comfortable with volatility and tax treatment | Permanent Points excluded; cashback exclusions apply |
 bitFlyer Credit CardbitFlyer | Bitcoin rewards | 0.5% | — | Automatic crypto reward | A fixed or card-tier percentage of eligible spend is returned as cash, bill credit or Bitcoin | Cash credit follows billing; crypto does not expire but market value changes | Core use is bill/cash credit | No transfer unless separately offered | No transfer | Cash credit for certainty; Bitcoin only if comfortable with volatility and tax treatment | Crypto price volatility and tax/accounting |
 MileagePlus Saison CardCredit Saison | United MileagePlus | 0.5% | — | Direct United miles | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Miles expire/devalue rules and add-on fee matter |
 Shop Channel Card SaisonCredit Saison | Shop Channel points | 0.5% | — | Shop Channel benefits | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Closed-loop points |
 UCS CardUCS | U-POINT | 0.5% | — | Regional retail benefits | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Regional ecosystem |
| American Express CenturionAmerican Express | Membership Rewards | — | Highly variable; Membership Rewards Plus improves many rates | Ultra-premium Amex | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Invitation and opaque pricing |
 ANA Diners PremiumANA Card | ANA miles | — | Variable; often highest for premium-cabin awards, subject to availability/surcharges | Top-tier ANA Diners | Issuer points transfer to ANA or direct miles depending on card; course and transfer fee vary | Maximum 36 months after accrual month for standard miles | No general bill credit; ANA SKY Coins can pay eligible ANA tickets/tours | Core use: ANA/partner flight awards and upgrades | Hotel awards/partners | Confirmed flight award; otherwise SKY Coins give simpler travel value | Invitation and very high fee |
 BMW Diners CardDiners Club | Diners Club Rewards | — | Variable; bill credit is 100 points→¥30 with a 10,000-point minimum | BMW ownership benefits | Generally 1 point per ¥100 eligible spend; reduced/excluded categories apply | No expiry while membership remains valid | 100 points→¥30, minimum 10,000 points | Airline mileage partners and travel rewards | Hotel/travel items and partners | A mileage/annual-fee/item route with better value than the 0.3-yen bill credit | Niche and fee |
 Diners Club Business CardDiners Club | Diners Club Rewards | — | Variable; bill credit is 100 points→¥30 with a 10,000-point minimum | Owner-operated business use | Generally 1 point per ¥100 eligible spend; reduced/excluded categories apply | No expiry while membership remains valid | 100 points→¥30, minimum 10,000 points | Airline mileage partners and travel rewards | Hotel/travel items and partners | A mileage/annual-fee/item route with better value than the 0.3-yen bill credit | Business eligibility |
 Diners Club CardDiners Club | Diners Club Rewards | — | Variable; bill credit is 100 points→¥30 with a 10,000-point minimum | Dining-focused premium card | Generally 1 point per ¥100 eligible spend; reduced/excluded categories apply | No expiry while membership remains valid | 100 points→¥30, minimum 10,000 points | Airline mileage partners and travel rewards | Hotel/travel items and partners | A mileage/annual-fee/item route with better value than the 0.3-yen bill credit | Acceptance and 2026 service/fee changes |
 Diners Club Premium CardDiners Club | Diners Club Rewards | — | Variable; bill credit is 100 points→¥30 with a 10,000-point minimum | High-end dining/travel | Generally 1 point per ¥100 eligible spend; reduced/excluded categories apply | No expiry while membership remains valid | 100 points→¥30, minimum 10,000 points | Airline mileage partners and travel rewards | Hotel/travel items and partners | A mileage/annual-fee/item route with better value than the 0.3-yen bill credit | Invitation and fee |
 Ginza Diners Club CardDiners Club | Diners Club Rewards | — | Variable; bill credit is 100 points→¥30 with a 10,000-point minimum | Ginza-specific value | Generally 1 point per ¥100 eligible spend; reduced/excluded categories apply | No expiry while membership remains valid | 100 points→¥30, minimum 10,000 points | Airline mileage partners and travel rewards | Hotel/travel items and partners | A mileage/annual-fee/item route with better value than the 0.3-yen bill credit | Geographic niche |
 Hilton Honors AmexAmerican Express | Hilton Honors points | — | Variable with dynamic hotel pricing | Hilton loyalty | Amex card-specific points per ¥100; higher Hilton-property rate | Hilton account activity rules apply; verify displayed expiry | No standard card bill credit | Hotel awards and selected airline/partner transfer | Core use: Hilton room awards | High-cost Hilton stay with award availability | Spend thresholds and point value |
 Hilton Honors Amex PremiumAmerican Express | Hilton Honors points | — | Variable with dynamic hotel pricing | Premium Hilton card | Amex card-specific points per ¥100; higher Hilton-property rate | Hilton account activity rules apply; verify displayed expiry | No standard card bill credit | Hotel awards and selected airline/partner transfer | Core use: Hilton room awards | High-cost Hilton stay with award availability | Fee and threshold economics |
 JAL Luxury CardLuxury Card | JAL miles / Luxury Card rewards | — | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Premium JAL metal card | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Very high fee and complex mile value |
 JAL Luxury Card LimitedLuxury Card | JAL miles / Luxury Card rewards | — | Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply | Ultra-premium JAL metal card | JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate | Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student | No general cash bill credit; e JAL Points pay eligible JAL fares/tours | Core use: JAL/partner flight awards and upgrades | Hotel awards/partners and travel packages | A flight award with value above the cash-equivalent alternatives and confirmed availability | Extreme fee |
 Luxury Card Black DiamondLuxury Card | Luxury Card Rewards | — | 1 point=¥1 for cash back and many e-gifts | Ultra-premium positioning | Tier-based cash-equivalent earn: Titanium 1.0%, Black 1.25%, Gold 1.5% on ordinary eligible spend | 5 years from earning | 1 point=¥1 toward card bill | JAL/ANA/United transfers; concierge/travel benefits are separate | Travel awards/benefits separate from points | 1-yen cash back/e-gift for certainty, or miles/special items when their realized value is higher | Invitation and extreme cost |
 Marriott Bonvoy AmexAmerican Express | Marriott Bonvoy points | — | Variable with dynamic hotel pricing | Hotel loyalty value | Amex card-specific points per ¥100; higher Marriott-property rate | Points generally expire after 24 months without qualifying activity; card/account terms apply | No standard card bill credit | Hotel awards and airline transfers | Core use: dynamic-price free nights and upgrades | Hotel night where cents-per-point exceeds airline-transfer/cash alternatives | 2025/2026 product changes; point value is variable |
 Marriott Bonvoy Amex PremiumAmerican Express | Marriott Bonvoy points | — | Variable with dynamic hotel pricing | Strong for frequent Marriott users | Amex card-specific points per ¥100; higher Marriott-property rate | Points generally expire after 24 months without qualifying activity; card/account terms apply | No standard card bill credit | Hotel awards and airline transfers | Core use: dynamic-price free nights and upgrades | Hotel night where cents-per-point exceeds airline-transfer/cash alternatives | Major fee/threshold changes; points variable |
 New Otani Club DinersDiners Club | Diners Club Rewards | — | Variable; bill credit is 100 points→¥30 with a 10,000-point minimum | Hotel benefits | Generally 1 point per ¥100 eligible spend; reduced/excluded categories apply | No expiry while membership remains valid | 100 points→¥30, minimum 10,000 points | Airline mileage partners and travel rewards | Hotel/travel items and partners | A mileage/annual-fee/item route with better value than the 0.3-yen bill credit | Best only for frequent New Otani use |
 Persona STACIA AmexAmerican Express | S Points / Membership Rewards-like program | — | Highly variable; Membership Rewards Plus improves many rates | Department store/rail benefits | Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency | Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ | Point value varies by charge category and MR Plus enrollment | Many airline partners; ANA/JAL and international programs with varying ratios | Hotel-program transfers and Amex Travel | A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus | Regional ecosystem |
 SMBC Visa InfiniteSumitomo Mitsui Card | V POINT | — | 1 point=¥1 in common uses | Top public SMBC Visa tier | Most standard cards: 1 point per ¥200; Platinum Preferred/Visa Infinite commonly 1 per ¥100 | 1 year after last earn/use/exchange, automatically extended by qualifying activity; exchanged PayPay-origin points differ | 1 point=¥1 toward eligible card bills | ANA and other mileage routes; ratios depend on card/course | Indirect via Visa spending/partners | Bill credit or V Point Pay at ¥1; use miles only after checking card-specific transfer ratio | Very high fee; benefits need verification |
 Monex CardMonex | Monex Points | 1% | — | Investment accumulation integration | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | 2026 reward revision from October; cap and tier rules |
 apollostation cardIdemitsu Credit | Platinum Points / fuel discount | 0.5% | — | Easy fuel discount | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | Compare add-on fee and monthly liters |
 Visa LINE Pay Credit Card P+Sumitomo Mitsui Card | LINE Points | 0.5% | — | LINE-linked card | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | LINE Pay service/product availability changed; verify status |
 nimoca Saison CardCredit Saison | nimoca points | 0.3% | — | Kyushu transit integration | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | Regional value proposition |
 Delta SkyMiles AmexAmerican Express | Delta SkyMiles | — | — | Delta mileage/status | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Award availability and status thresholds |
 Delta SkyMiles Amex GoldAmerican Express | Delta SkyMiles | — | — | Premium Delta card | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Spend/status conditions |
 ENEOS Card PMitsubishi UFJ NICOS | ENEOS points | — | — | Fuel/points | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Use pattern determines best variant |
 ENEOS Card SMitsubishi UFJ NICOS | ENEOS points / discounts | — | — | Fuel savings | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Compare S, P, C based on monthly liters and other spend |
 GDO CardMitsubishi UFJ NICOS | GDO Points | — | — | Golf ecosystem | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Niche points |
 GDO Gold CardMitsubishi UFJ NICOS | GDO Points | — | — | Golf-focused premium card | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Unusual fee; quantify golf savings |
 MileagePlus MUFG CardMitsubishi UFJ NICOS | United MileagePlus | — | — | Alternative United mile route | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Compare to Saison/UC mileage cards |
 Miles & More MUFG Platinum AmexMitsubishi UFJ NICOS | Miles & More | — | — | Lufthansa-group mileage option | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Mileage expiry/devaluation and fee |
 SKYPASS MUFG CardMitsubishi UFJ NICOS | Korean Air SKYPASS | — | — | Korean Air mileage | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Mileage valuation/availability |
 SKYPASS MUFG GoldMitsubishi UFJ NICOS | Korean Air SKYPASS | — | — | Korean Air premium mileage card | Direct airline miles or issuer-point transfer depending on card | Airline-specific; verify the mileage account and activity rules | No general statement-credit route | Core use is carrier/alliance flight awards | Hotel/car partners may be available | A confirmed award flight whose cash value exceeds alternative uses | Fee and award availability |
 Takashimaya CardTakashimaya Financial Partners | Takashimaya points | — | — | Department-store earning | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Excluded categories and point expiry |
 Takashimaya Card GoldTakashimaya Financial Partners | Takashimaya points | — | — | Premium department-store card | Card- and store-specific points on eligible purchases | Program-specific; check account display | Usually no broad bill credit | Only where an airline/partner route is published | Indirect | Use at the issuing retailer at full face value before expiry | Fee and store-specific value |
 apollostation The GoldIdemitsu Credit | Platinum Points / fuel discount | — | — | Fuel-focused gold | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | Annual-spend waiver and fuel volumes |
 Cosmo The Card HouseCosmo Oil Marketing | Fuel discount | — | — | Fuel specialist | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | Limited acceptance |
 ENEOS Card CMitsubishi UFJ NICOS | Fuel discount | — | — | High-volume fuel discount | See card-specific official page; earning unit varies | — | Check official program | Check mileage/travel partners | Check hotel/travel partners | Use the highest-value route that matches actual spending; avoid valuing unusable transfers at face value | Spend bands and eligible fuel limits |
 Daimaru Matsuzakaya Gold CardJFR Card | QIRA Points / Daimaru Matsuzakaya points | 1% | — | — | — | — | — | — | — | — | — |
 Daimaru Matsuzakaya Loyal Customer Gold CardJFR Card | QIRA Points / Daimaru Matsuzakaya points | 1% | — | — | — | — | — | — | — | — | — |
| Usappy Card PlusIdemitsu Credit | Usappy points | 1% | — | — | — | — | — | — | — | — | — |
| "View Suica" CardJRE Bank / Viewcard | JRE POINT | 0.5% | — | — | — | — | — | — | — | — | — |
 GINZA SIX CardJFR Card | QIRA Points | 0.5% | — | — | — | — | — | — | — | — | — |
| majica donpen cardUCS | U-POINT / majica points | 0.5% | — | — | — | — | — | — | — | — | — |
 PARCO CardJFR Card | QIRA Points / PARCO points | 0.5% | — | — | — | — | — | — | — | — | — |
| UCS Card majica GoldUCS | U-POINT / majica points | 0.5% | — | — | — | — | — | — | — | — | — |
| Webike apollostation cardIdemitsu Credit | Plus Points / Webike points | 0.5% | — | — | — | — | — | — | — | — | — |
 GINZA SIX Prestige CardJFR Card | QIRA Points | — | — | — | — | — | — | — | — | — | — |
232 cards × 11 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.