Everyday spending credit cards in Japan
28 cards the issuers themselves categorise under everyday spending. This is a grouping by stated purpose, not a ranking — nothing here judges how likely you are to be approved.
au Financial Service
au PAY Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–1.5%
- Variants
- 3
Ponta
#27 on the comparison siteOfficial site
Epos Card
Epos Card Visa
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%
- Variants
- 1
Epos Points
#14 on the comparison siteOfficial site
JCB
JCB Card S
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–10%
- Variants
- 1
J-POINT
#7 on the comparison siteOfficial site
JCB
JCB Card W plus L
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–10.5%
- Variants
- 1
J-POINT
#37 on the comparison siteOfficial site
4Mitsubishi UFJ NICOS
Mitsubishi UFJ Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 4
Global Points
#2 on the comparison siteOfficial site
PayPay Card
PayPay Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–5%
- Variants
- 3
PayPay Points
#8 on the comparison siteOfficial site
3Rakuten Card
Rakuten Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–3%
- Variants
- 4
Rakuten Points
#11 on the comparison siteOfficial site
2
Sumitomo Mitsui Card
Sumitomo Mitsui Card Numberless
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 2
V POINT
#1 on the comparison siteOfficial siteJRE Bank / Viewcard
View Card Standard Revo
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 3
JRE POINT
Official site
AEON Financial Service
Welcia Card
- Annual fee
- Free
- Base rate
- 0.5%
- Reward range
- 0.5%–2%
- Variants
- 1
WAON POINT
#42 on the comparison siteOfficial site
American Express
American Express Green Card
- Annual fee
- ¥13,200
- Base rate
- 0.3%
- Reward range
- 0.5%–1%
- Variants
- 1
Membership Rewards
#47 on the comparison siteOfficial site
Credit Saison
Saison Gold Associe Amex
- Annual fee
- ¥2,200
- Base rate
- 0.75%
- Variants
- 1
Permanent Points
Official site
Sumitomo Mitsui Card
Sumitomo Mitsui Card Gold NL
- Annual fee
- ¥5,500
- Base rate
- 0.5%
- Reward range
- 0.5%–7%
- Variants
- 2
V POINT
#3 on the comparison siteOfficial site
Credit Saison
Saison Gold Premium
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Variants
- 3
Permanent Points
Official site
Credit Saison
Saison Rose Gold American Express Card
- Annual fee
- ¥11,000
- Base rate
- 0.75%
- Variants
- 1
Permanent Points
Official site
American Express
Amex Gold Preferred
- Annual fee
- ¥39,600
- Base rate
- 1%
- Reward range
- 1%–3%
- Variants
- 1
Membership Rewards
#5 on the comparison siteOfficial site
Diners Club
Diners Club Card
- Annual fee
- ¥29,700
- Reward range
- 0.4%–1%
- Variants
- 1
Diners Club Rewards
#41 on the comparison siteOfficial site
Diners Club
Diners Club Premium Card
- Annual fee
- ¥143,000
- Variants
- 1
Diners Club Rewards
Invitation only
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.