Points & cashback credit cards in Japan
22 cards the issuers themselves categorise under points & cashback. This is a grouping by stated purpose, not a ranking — nothing here judges how likely you are to be approved.
JCB
JCB Card W
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–10.5%
- Variants
- 1
J-POINT
#4 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
2
2Recruit
Recruit Card
- Annual fee
- Free
- Base rate
- 1.2%
- Variants
- 3
Recruit Points / Ponta / d POINT
Official site
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
Mitsubishi UFJ NICOS
VIASO Card
- Annual fee
- Free
- Base rate
- 0.5%
- Variants
- 1
VIASO Points / auto-cashback
Official site
Epos Card
Epos Gold Card
- Annual fee
- ¥5,000
- Base rate
- 0.5%
- Reward range
- 0.5%–1.25%
- Variants
- 1
Epos Points
#21 on the comparison siteOfficial site
Epos Card
JQ Card Epos Gold
- Annual fee
- ¥5,000
- Base rate
- 0.5%
- Variants
- 1
Epos Points / JR Kyushu Q points
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
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
JQ Card Saison Gold
- Annual fee
- ¥11,000
- Base rate
- 0.5%
- Variants
- 2
JR Kyushu Q points / Permanent Points
Official site
Sumitomo Mitsui Card
Olive Flexible Pay Platinum Preferred
- Annual fee
- ¥33,000
- Base rate
- 1%
- Reward range
- 1%–10%
- Variants
- 1
V POINT
#45 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
Sumitomo Mitsui Card
SMBC Platinum Preferred
- Annual fee
- ¥33,000
- Base rate
- 1%
- Reward range
- 1%–10%
- Variants
- 1
V POINT
#12 on the comparison siteOfficial 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.