Business credit cards in Japan
15 cards the issuers themselves categorise under business. This is a grouping by stated purpose, not a ranking — nothing here judges how likely you are to be approved.
Credit Saison
Saison Cobalt Business American Express Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–2%
- Variants
- 1
Permanent Points (永久不滅ポイント)
#36 on the comparison siteOfficial site
Sumitomo Mitsui Card
SMBC Business Owners
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–1.5%
- Variants
- 1
V POINT
#16 on the comparison siteOfficial site
UPSIDER
UPSIDER Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%
- Variants
- 1
UPSIDER automatic cashback
#33 on the comparison siteOfficial site
American Express
Amex Business Green
- Annual fee
- ¥13,200
- Base rate
- 0.3%
- Variants
- 1
Membership Rewards
Official site
JCB
JCB Biz ONE Gold
- Annual fee
- ¥5,500
- Base rate
- 1%
- Reward range
- 1%–10.5%
- Variants
- 1
J-POINT
#54 on the comparison siteOfficial site
Sumitomo Mitsui Card
SMBC Business Owners Gold
- Annual fee
- ¥5,500
- Base rate
- 0.5%
- Reward range
- 0.5%–2%
- Variants
- 1
V POINT
#23 on the comparison siteOfficial site
American Express
Amex Business Gold
- Annual fee
- ¥49,500
- Base rate
- 1%
- Variants
- 1
Membership Rewards
Official site
Idemitsu Credit
apollostation Platinum Business
- Annual fee
- ¥22,000
- Base rate
- 0.8%
- Reward range
- 0.8%–1%
- Variants
- 1
Plus Points
#53 on the comparison siteOfficial site
Credit Saison
Saison Platinum Business American Express Card
- Annual fee
- ¥33,000
- Base rate
- 0.5%
- Reward range
- 0.5%–1%
- Variants
- 1
Permanent Points (永久不滅ポイント)
#18 on the comparison siteOfficial site
Sumitomo Mitsui Card
SMBC Business Owners Platinum Preferred
- Annual fee
- ¥33,000
- Base rate
- 1%
- Reward range
- 1%–10%
- Variants
- 1
V POINT
#57 on the comparison siteOfficial site
American Express
Amex Business Platinum
- Annual fee
- ¥165,000
- Base rate
- 1%
- Variants
- 1
Membership Rewards
Official site
Reward ranges are Kakaku.com’s own calculations as of 2026-08-16. The issuer’s official page governs fees, caps and benefit terms. kakaku.com
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231 cards and 391 network variants recorded from official issuer lineup and product pages as of 2026-08-16. Fees, benefits and campaigns change — check the issuer page before applying.