MoneyInJapan

Compare products & services

Source-backed products laid out side by side, by category.

Editorially approved comparisons

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🏦 Banking

ProviderCategoryEnglish supportFees
Sony BankOnline bankPartialNo monthly account fee; ATM/transfer fees depend on tier — verify current schedule.
SMBC Trust Bank PRESTIABank (English support)YesAccount and transfer fees vary; balance-based fee waivers apply — verify current schedule.
Rakuten BankOnline bankPartialNo monthly fee; ATM/transfer fees depend on account rank — verify current schedule.
SBI Shinsei BankBankPartialFees depend on program tier — verify current schedule.
Japan Post BankBank (nationwide)PartialBasic account has no monthly fee; some transfer/ATM fees apply — verify current schedule.

💳 Credit cards

ProviderCategoryEnglish supportFees
Rakuten CardNo-annual-fee credit cardPartialNo annual fee; interest applies only if you use revolving or installment payments.
Epos CardNo-annual-fee credit cardNoNo annual fee for the base card; interest only on revolving/installment use.
American Express (Japan)Annual-fee rewards cardYesAnnual fee varies by card tier — compare against the benefits you will use.
Sumitomo Mitsui Card (NL)No-annual-fee credit cardNoNo annual fee for the standard card; other cards and payment services have separate fees.
JCB Card SNo-annual-fee credit cardNoNo annual fee for the standard card; other cards and payment services have separate fees.
d CardNo-annual-fee credit cardNoNo annual fee for the standard card; other cards and payment services have separate fees.
PayPay CardNo-annual-fee credit cardNoNo annual fee for the standard card; other cards and payment services have separate fees.
au PAY CardNo-annual-fee credit cardNoNo annual fee for the standard card; other cards and payment services have separate fees.
Sumitomo Mitsui Card Gold (NL)Fee-waivable gold cardNo¥5,500 annual fee, permanently waived after ¥1,000,000 of qualifying annual spend.
Sumitomo Mitsui Card Platinum PreferredPoints-focused platinum cardNo¥33,000 annual fee; value depends on directing high annual spend to the card.
Olive Flexible Pay GoldAll-in-one bank + card goldNo¥5,500 gold fee, permanently waived after ¥1,000,000 of qualifying annual spend in credit mode.
Amazon MastercardNo-annual-fee co-brand cardNoNo annual fee; interest applies only if you use revolving or instalment payments.
JCB Card WNo-annual-fee card for ages 18–39NoNo annual fee; interest applies only on revolving/instalment use.
JCB GoldMainstream domestic gold cardNo¥11,000 annual fee; first year can be free for qualifying new online applications.
JCB PlatinumValue-oriented concierge platinumNo¥27,500 annual fee; value comes from concierge, dining and lounge use rather than points.
Rakuten Gold CardLow-cost ecosystem gold cardPartial¥2,200 annual fee; benefits over the free card are limited.
Rakuten Premium CardRakuten card with travel featuresPartial¥11,000 annual fee; judge Priority Pass value under current visit limits.
Rakuten Black CardRakuten top-tier premium cardPartial¥33,000 annual fee; access is gated and issuance is not guaranteed.
American Express Gold PreferredDining and travel rewards cardYes¥39,600 annual fee including two free family cards; interest via PayFlex applies only if used.
American Express PlatinumLuxury travel and family-card platinumYes¥165,000 annual fee including up to four free family cards; strongest for households using premium travel.
Epos Gold CardOptimizable fee-waivable goldNo¥5,000 annual fee, permanently waived by invitation or after ¥500,000 of qualifying annual spend.
Epos Platinum CardAnnual-bonus-optimized platinumNo¥30,000 direct or ¥20,000 invited; value depends on annual bonus points.
Saison Card DigitalInstant-issue digital cardNoNo annual fee; a ¥1,650 charge applies only if there is no use across a full annual measurement period.
Saison Gold PremiumLifestyle-category gold cardNo¥11,000 annual fee, free the following year after ¥1,000,000 of qualifying annual spend.
Saison Platinum American ExpressMid-priced travel platinumNo¥33,000 annual fee; strong mid-price travel card with mileage options.
d Card GOLDDocomo household gold cardNo¥11,000 annual fee; justified mainly by 10% on eligible docomo charges.
d Card PLATINUMHeavy-Docomo platinum cardNo¥29,700 annual fee; the earn rate on docomo charges depends on prior monthly spend.
au PAY Gold Cardau/UQ household gold cardNo¥11,000 annual fee; highly competitive inside the au ecosystem.
PayPay Card GoldPayPay ecosystem gold cardNo¥11,000 annual fee, effectively offset by 11,000 points at exactly ¥1,000,000 of qualifying annual spend.
AEON Card SelectAEON shopping + banking cardNoNo annual fee; strongest for regular AEON shoppers.
AEON Gold CardFree invitation-based gold cardNoNo annual fee once issued; typically an invitation or upgrade product.
Orico Card THE POINTStraightforward 1% no-fee cardNoNo annual fee; 1% base with a 2% introductory period (six months, up to ¥500,000).
Orico Card THE POINT PREMIUM GOLDLow-fee electronic-money goldNo¥1,986 annual fee; one of the least expensive Gold cards.
Mitsubishi UFJ CardNo-fee bank-group cardNoNo annual fee; best for MUFG account and selected-store users.
Mitsubishi UFJ Card Gold PrestigeMUFG-ecosystem gold cardNo¥11,000 annual fee; first year free for eligible web applications.
Mitsubishi UFJ Card Platinum American ExpressLow-fee full-service platinumNo¥22,000 annual fee including one free family card; a service-value platinum, not a points card.
View CardJR East / Suica commuter cardNo¥524 annual fee; a specialist Suica/JR East commuter card.
JRE CARDStation-building shopping cardNoFirst year free, then ¥524; up to 3.5% at eligible station-building stores.
View Gold Plus CardPremium JR East travel goldNo¥11,000 annual fee; best for frequent JR East and Shinkansen travellers.
JAL Card (Regular)Entry JAL mileage cardNoFirst year free, then ¥2,200 (¥6,600 for the American Express variant).
JAL CLUB-A Gold CardFrequent-flyer JAL gold cardNo¥17,600 mainstream (¥20,900 Suica/Amex; ¥34,100 Diners); 25% flight bonus.
JAL Platinum CardPremium JAL international cardNoAround ¥34,100 (JCB/Amex variants); for frequent international JAL travel.
ANA Visa/Master General CardEntry ANA mileage cardNo¥2,200 after a free first year; standard 1,000-mile joining bonus.
ANA Visa/Master Wide Gold CardFrequent-flyer ANA gold cardNo¥15,400 annual fee; 2,000-mile joining bonus and 25% boarding bonus.
Diners Club CardDining and travel charge cardPartial¥29,700 annual fee; strong dining, travel and lounge services.
Diners Club PremiumUltra-premium dining and travelPartial¥165,000 annual fee including free family cards; invitation product.
Luxury Card Mastercard TitaniumEntry metal premium cardPartial¥55,000 annual fee; entry metal premium card.
Luxury Card Mastercard BlackConcierge and networking premiumPartial¥110,000 annual fee; ~1.25% base plus premium services.
Luxury Card Mastercard GoldUltra-premium rewards and statusPartial¥220,000 annual fee; the most expensive card in this set.
Olive Flexible PayAll-in-one account card (general rank)NoNo annual fee for the general rank; higher ranks carry their own fees.
Sumitomo Mitsui Card PlatinumService-led platinum cardNo¥55,000 including tax for the primary card; value comes from premium services.
JCB Card W plus LNo-fee card for ages 18–39 with add-on benefitsNoNo annual fee for the card; optional add-on programs may carry their own charge.
Rakuten PINK CardNo-fee card with optional add-on benefitsNoNo annual fee for the base card; optional add-on programs carry their own charge.
AEON Card (WAON integrated)No-fee card with integrated WAON e-moneyNoNo annual fee.
"View Suica" CardSuica-integrated commuter cardNoAn annual fee applies; verify the current amount on the product page.
JAL Card SuicaAirline card with integrated SuicaNoAn annual fee applies; an optional shopping-mile program costs extra. Verify current amounts.
Mitsubishi UFJ Card VIASONo-fee card with automatic cashbackNoNo annual fee; accumulated points auto-convert to a cashback once a year.
JCB General / Partner With Pointretail cardPartialThe annual fee is ¥1,375 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
JCB LINDAeveryday cardPartialThe annual fee is free. A stated waiver condition can remove it — check the exact threshold.
JCB Card Reveryday cardPartialThe annual fee is free.
Saison Pearl Amex Digitaltelecom and mobile-payment cardNoThe annual fee is ¥1,100 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
Saison Gold American Express CardGold travel cardNoThe annual fee is ¥11,000 including tax. A stated waiver condition can remove it — check the exact threshold. Verify the current amount on the issuer page before applying.
Saison Rose Gold American Express CardGold travel cardNoThe annual fee is ¥11,000 including tax. Verify the current amount on the issuer page before applying.
Gold Card SaisonGold travel cardNoThe annual fee is ¥11,000 including tax. The first year is stated as free.
Saison Gold Associe AmexGold everyday cardNoThe annual fee is ¥2,200 including tax.
MileagePlus Saison Cardairline mileage cardNoThe annual fee is ¥3,300 including tax.
MileagePlus Saison Gold CardGold airline mileage cardNoThe annual fee is ¥22,000 including tax. Verify the current amount on the issuer page before applying.
MileagePlus Saison Platinum CardPlatinum airline mileage cardNoThe annual fee is ¥55,000 including tax. Verify the current amount on the issuer page before applying.
MUJI Cardretail cardNoThe annual fee is free.
Loft Cardretail cardNoThe annual fee is free.
Likeme by Saison Cardpoints cardNoThe annual fee is free.
Shop Channel Card Saisonretail cardNoThe annual fee is free.
nimoca Saison Cardrail and transit cardNoThe annual fee is free.
Samurai Blue Card Saisondesign cardNoThe annual fee is free.
JQ Card Saison GoldGold points cardNoThe annual fee is ¥11,000 including tax. A stated waiver condition can remove it — check the exact threshold.
d Card Gold UGold telecom and mobile-payment cardNoThe annual fee is ¥3,300 including tax. A stated waiver condition can remove it — check the exact threshold.
AEON Card Select Mickey Mouse Designretail cardNoThe annual fee is free.
AEON Card Select Toy Story Designretail cardNoThe annual fee is free.
AEON Card Select Minionsdesign cardNoThe annual fee is free.
AEON Card Minionsdesign cardNoThe annual fee is free.
TGC Cardretail cardNoThe annual fee is free.
Cosmo The Card Opusfuel cardNoThe annual fee is free.
AEON Suica Cardrail and transit cardNoThe annual fee is free.
JMB JQ SUGOCAairline mileage cardNoThe annual fee is free.
AEON JMB Cardairline mileage cardNoThe annual fee is free.
Benesse AEON Cardstudent cardNoThe annual fee is free.
KASUMI Cardretail cardNoThe annual fee is free.
Sports Authority Cardretail cardNoThe annual fee is free.
Kojima x Bic Camera Cardretail cardNoThe annual fee is free.
Orico Card The Point UPtyeveryday cardNoThe annual fee is free.
Orico Card The Gold PrimeGold travel cardNoThe annual fee is ¥11,000 including tax.
The GoldGold travel cardNoThe annual fee is ¥11,000 including tax. The first year is stated as free.
Gold UPtyGold everyday cardNoThe annual fee is ¥5,500 including tax. The first year is stated as free.
EX Gold for Biz SGold business cardNoThe annual fee is ¥2,200 including tax.
EX Gold for Biz MGold business cardNoThe annual fee is ¥2,200 including tax.
Love the Earthdonation-linked cardNoThe annual fee is free.
Red Feather Carddonation-linked cardNoThe annual fee is free. Verify the current amount on the issuer page before applying.
Red Cross Orico Carddonation-linked cardNoThe annual fee is free. Verify the current amount on the issuer page before applying.
Japan Animal Welfare Society Carddonation-linked cardNoThe annual fee is free. Verify the current amount on the issuer page before applying.
Wild Bird Society of Japan Carddonation-linked cardNoThe annual fee is free. Verify the current amount on the issuer page before applying.
Mitsubishi UFJ Card GoldGold travel cardNoThe annual fee is ¥11,000 including tax. The first year is stated as free.
MUFG Card Disney Designdesign cardNoThe annual fee is ¥1,375 including tax. The first year is stated as free.
VIASO mofusand x Sanriodesign cardNoThe annual fee is free.
VIASO Cinnamorolldesign cardNoThe annual fee is free.
VIASO My Melodydesign cardNoThe annual fee is free.
VIASO Gudetamadesign cardNoThe annual fee is free.
VIASO Urawa Redsdesign cardNoThe annual fee is free.
Jizileeveryday cardNoThe annual fee is free.
JA Cardbank-linked cardNoThe annual fee is ¥1,375 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
ENEOS Card Sfuel cardNoThe annual fee is ¥1,375 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
ENEOS Card Ppoints cardNoThe annual fee is ¥1,375 including tax. The first year is stated as free.
ENEOS Card Cfuel cardNoThe annual fee is ¥1,375 including tax. The first year is stated as free.
GDO Carddesign cardNoThe annual fee is free.
GDO Gold CardGold travel cardNoThe annual fee is ¥15,746 including tax.
SKYPASS MUFG Cardairline mileage cardNoThe annual fee is ¥3,300 including tax. Verify the current amount on the issuer page before applying.
SKYPASS MUFG GoldGold airline mileage cardNoThe annual fee is ¥11,000 including tax.
Miles & More MUFG Platinum AmexPlatinum airline mileage cardNoThe annual fee is ¥30,800 including tax.
MileagePlus MUFG Cardairline mileage cardNoThe annual fee is ¥5,500 including tax.
View Card Standard Revorail and transit cardNoThe annual fee is free.
Lumine Cardrail and transit cardNoThe annual fee is ¥1,048 including tax. The first year is stated as free.
JAL Card Suica Club-AMid tier airline mileage cardNoThe annual fee is ¥11,000 including tax.
Bic Camera Suica Cardrail and transit cardNoThe annual fee is ¥524 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
Otona no Kyujitsu Club Middlerail and transit cardNoThe annual fee is ¥2,624 including tax.
Otona no Kyujitsu Club Zipangrail and transit cardNoThe annual fee is ¥4,364 including tax.
JAL CLUB-A CardMid tier airline mileage cardNoThe annual fee is ¥11,000 including tax.
JAL Diners CardGold airline mileage cardNoThe annual fee is ¥30,800 including tax. Verify the current amount on the issuer page before applying.
JAL Card naviairline mileage cardNoThe annual fee is free.
JAL Club EST Ordinaryairline mileage cardNoThe annual fee is ¥7,700 including tax.
JAL Club EST Gold/PlatinumGold airline mileage cardNoThe issuer does not publish a single annual fee for this card in the reviewed material.
ANA Mastercard Generalairline mileage cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
ANA JCB Generalairline mileage cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
ANA American Express Cardairline mileage cardNoThe annual fee is ¥7,700 including tax.
ANA To Me Card PASMO JCBairline mileage cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
ANA TOKYU Point ClubQ PASMO Mastercardairline mileage cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
ANA Visa Suicaairline mileage cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
ANA Visa WideMid tier airline mileage cardNoThe annual fee is ¥7,975 including tax.
ANA Mastercard WideMid tier airline mileage cardNoThe annual fee is ¥7,975 including tax.
ANA JCB WideMid tier airline mileage cardNoThe annual fee is ¥7,975 including tax.
ANA Mastercard Wide GoldGold airline mileage cardNoThe annual fee is ¥15,400 including tax.
ANA JCB Wide GoldGold airline mileage cardNoThe annual fee is ¥15,400 including tax.
ANA Amex GoldGold airline mileage cardNoThe annual fee is ¥34,100 including tax.
ANA Diners CardGold airline mileage cardNoThe annual fee is ¥29,700 including tax. Verify the current amount on the issuer page before applying.
ANA JCB Zeroairline mileage cardNoThe annual fee is free.
ANA Visa Platinum PremiumPlatinum airline mileage cardNoThe annual fee is ¥88,000 including tax.
ANA JCB PremiumPlatinum airline mileage cardNoThe annual fee is ¥77,000 including tax.
ANA Amex PremiumPlatinum airline mileage cardNoThe annual fee is ¥165,000 including tax.
ANA Diners PremiumPlatinum airline mileage cardNoThe annual fee is ¥170,500 including tax. Verify the current amount on the issuer page before applying.
Diners Club Business CardPremium business cardPartialThe annual fee is ¥29,700 including tax. Verify the current amount on the issuer page before applying.
Ginza Diners Club CardPremium everyday cardPartialThe annual fee is ¥33,000 including tax. Verify the current amount on the issuer page before applying.
BMW Diners CardPremium fuel cardPartialThe annual fee is ¥29,700 including tax. Verify the current amount on the issuer page before applying.
New Otani Club DinersPremium travel cardPartialThe annual fee is ¥29,700 including tax. Verify the current amount on the issuer page before applying.
Luxury Card Black DiamondBlack / invitation premium cardPartialThe annual fee is ¥660,000 including tax. Verify the current amount on the issuer page before applying.
JAL Luxury CardBlack / invitation airline mileage cardPartialThe annual fee is ¥242,000 including tax. Verify the current amount on the issuer page before applying.
JAL Luxury Card LimitedGold airline mileage cardPartialThe annual fee is ¥599,500 including tax. Verify the current amount on the issuer page before applying.
SMBC Visa InfiniteBlack / invitation premium cardPartialThe annual fee is ¥99,000 including tax.
Olive Flexible Pay Platinum PreferredPlatinum points cardPartialThe annual fee is ¥33,000 including tax.
ANA Visa General (SMBC)airline mileage cardPartialThe annual fee is ¥2,200 including tax. The first year is stated as free.
Visa LINE Pay Credit Card P+telecom and mobile-payment cardPartialThe annual fee is free. Verify the current amount on the issuer page before applying.
Rakuten Bank Cardbank-linked cardPartialThe annual fee is free.
Rakuten ANA Mileage Club Cardairline mileage cardPartialThe annual fee is ¥550 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
Rakuten Card Academystudent cardPartialThe annual fee is free.
Alpen Group Rakuten Cardretail cardPartialThe annual fee is free.
Mizuho Rakuten Cardbank-linked cardPartialThe annual fee is free.
Hirogin Rakuten Cardbank-linked cardPartialThe annual fee is free.
Rakuten Card My Color Selectiondesign cardPartialThe annual fee is free.
Rakuten Card Disney Designdesign cardPartialThe annual fee is free.
Rakuten Card Sanrio Designsdesign cardPartialThe annual fee is free.
JQ Card Epos GoldGold points cardNoThe annual fee is ¥5,000 including tax. A stated waiver condition can remove it — check the exact threshold.
MGA Epos Carddesign cardNoThe annual fee is free.
Chiikawa Epos Carddesign cardNoThe annual fee is free.
Sumikko Gurashi Epos Carddesign cardNoThe annual fee is free.
American Express CenturionBlack / invitation premium cardPartialThe issuer does not publish a single annual fee for this card in the reviewed material.
Marriott Bonvoy Amextravel cardPartialThe annual fee is ¥34,100 including tax. Verify the current amount on the issuer page before applying.
Marriott Bonvoy Amex PremiumPremium travel cardPartialThe annual fee is ¥82,500 including tax. Verify the current amount on the issuer page before applying.
Hilton Honors Amextravel cardPartialThe annual fee is ¥16,500 including tax. Verify the current amount on the issuer page before applying.
Hilton Honors Amex PremiumPremium travel cardPartialThe annual fee is ¥66,000 including tax. Verify the current amount on the issuer page before applying.
Delta SkyMiles Amexairline mileage cardPartialThe annual fee is ¥13,200 including tax. Verify the current amount on the issuer page before applying.
Delta SkyMiles Amex GoldGold airline mileage cardPartialThe annual fee is ¥28,600 including tax. Verify the current amount on the issuer page before applying.
Persona STACIA Amexrail and transit cardPartialThe annual fee is ¥15,400 including tax. Verify the current amount on the issuer page before applying.
Amex Business Greenbusiness cardPartialThe annual fee is ¥13,200 including tax. Verify the current amount on the issuer page before applying.
Amex Business GoldGold business cardPartialThe annual fee is ¥49,500 including tax. Verify the current amount on the issuer page before applying.
Amex Business PlatinumPlatinum business cardPartialThe annual fee is ¥165,000 including tax. Verify the current amount on the issuer page before applying.
Life Cardeveryday cardNoThe annual fee is free.
Life Card for Studentsstudent cardNoThe annual fee is free.
Life Card GoldGold travel cardNoThe annual fee is ¥11,000 including tax. Verify the current amount on the issuer page before applying.
Deposit Life Cardeveryday cardNoThe annual fee is ¥5,500 including tax.
Seven Card Plus nanaco Integratedretail cardNoThe annual fee is free.
Seven Card Plus nanaco Linkedretail cardNoThe annual fee is free.
Recruit Cardpoints cardNoThe annual fee is free.
Mercardretail cardNoThe annual fee is free.
Mercard GoldGold retail cardNoThe annual fee is ¥5,000 including tax. A stated waiver condition can remove it — check the exact threshold.
Gold Point Card Plusretail cardNoThe annual fee is free.
Tokyu Card ClubQ JMB PASMOairline mileage cardNoThe annual fee is ¥1,100 including tax. The first year is stated as free.
Tokyu Card ClubQ JMB GoldGold airline mileage cardNoThe annual fee is ¥6,600 including tax.
To Me Card Prime PASMOrail and transit cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
ANA To Me Card PASMO JCB GoldGold airline mileage cardNoThe annual fee is ¥15,400 including tax.
MI Card Plusretail cardNoThe annual fee is ¥550 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
MI Card Plus GoldGold travel cardNoThe annual fee is ¥11,000 including tax.
Takashimaya Cardretail cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
Takashimaya Card GoldGold travel cardNoThe annual fee is ¥11,000 including tax.
Daimaru Matsuzakaya Cardretail cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
UCS Cardretail cardNoThe annual fee is free.
apollostation cardfuel cardNoThe annual fee is free.
apollostation The GoldGold travel cardNoThe annual fee is ¥11,000 including tax. A stated waiver condition can remove it — check the exact threshold.
Cosmo The Card Housefuel cardNoThe annual fee is free.
Monex Cardinvesting-linked cardNoThe annual fee is ¥550 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
bitFlyer Credit Cardcrypto-rewards cardNoThe annual fee is free.
bitFlyer Platinum CardPlatinum crypto-rewards cardNoThe annual fee is ¥16,500 including tax. A stated waiver condition can remove it — check the exact threshold.
UC Platinum CardPlatinum travel cardNoThe annual fee is ¥16,500 including tax.
SMBC Business Ownersbusiness cardPartialThe annual fee is free.
SMBC Business Owners GoldGold points cardPartialThe annual fee is ¥5,500 including tax.
SMBC Business Owners Platinum PreferredPlatinum points cardPartialThe annual fee is ¥33,000 including tax.
Saison Platinum Business American Express CardPlatinum travel cardNoThe annual fee is ¥33,000 including tax. The first year is stated as free.
Saison Cobalt Business American Express Cardpoints cardNoThe annual fee is free.
apollostation THE PLATINUM Saison AmexPlatinum travel cardNoThe annual fee is ¥22,000 including tax. A stated waiver condition can remove it — check the exact threshold.
apollostation Platinum BusinessPlatinum fuel cardNoThe annual fee is ¥22,000 including tax. A stated waiver condition can remove it — check the exact threshold.
UPSIDER Cardbusiness cardNoThe annual fee is free.
Mitsui Shopping Park Card Saisonretail cardNoThe annual fee is free.
Welcia Cardretail cardNoThe annual fee is free.
JCB Biz ONE Generalpoints cardPartialThe annual fee is free.
JCB Biz ONE GoldGold points cardPartialThe annual fee is ¥5,500 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
Daimaru Matsuzakaya Gold CardGold travel cardNoThe annual fee is ¥11,000 including tax.
Daimaru Matsuzakaya Loyal Customer Gold CardGold travel cardNoThe annual fee is ¥11,000 including tax.
GINZA SIX Cardretail cardNoThe annual fee is ¥2,200 including tax. The first year is stated as free.
GINZA SIX Prestige CardPremium retail cardNoThe annual fee is ¥55,000 including tax.
PARCO Cardretail cardNoThe annual fee is ¥1,100 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
JCB Gold / Partner With PointGold travel cardPartialThe annual fee is ¥11,000 including tax.
UCS Card majica GoldGold travel cardNoThe annual fee is ¥3,300 including tax. The first year is stated as free.
majica donpen cardretail cardNoThe annual fee is free.
Webike apollostation cardretail cardNoThe annual fee is free.
Usappy Card Plusfuel cardNoThe annual fee is ¥1,375 including tax. The first year is stated as free. A stated waiver condition can remove it — check the exact threshold.
MI Card Basicretail cardNoThe annual fee is free.

📈 NISA & investing

ProviderCategoryEnglish supportFees
Rakuten SecuritiesBrokerage (NISA/iDeCo)PartialMany domestic funds and trades are low- or no-commission — verify current fee schedule.
SBI SecuritiesBrokerage (NISA/iDeCo)PartialMany trades and funds are low- or no-commission — verify current fee schedule.
Monex SecuritiesBrokerage (NISA/iDeCo)PartialCommissions vary by product; some funds/trades are low-cost — verify current schedule.

🧑‍💻 Freelance & business

ProviderCategoryEnglish supportFees
freeeCloud accounting softwareNoSubscription plans (monthly/annual) vary by tier — verify current pricing.
Money Forward CloudCloud accounting softwareNoSubscription plans vary by tier — verify current pricing.
YayoiAccounting softwareNoDesktop license or cloud subscription depending on product — verify current pricing.
MakeLeapsInvoicing & billingYesSubscription plans (free tier for low volume) — verify current pricing.
MisocaInvoicing & billingNoFree tier plus paid plans by invoice volume — verify current pricing.
boardInvoicing & business managementNoSubscription plans by feature tier — verify current pricing.
FREENANCECash flow & freelancer protectionNoAccount is free; factoring charges a per-transaction fee — verify current terms.
freee Company EstablishmentCompany incorporationNoService tiers plus separate statutory registration costs — verify current pricing.
Money Forward Cloud Company EstablishmentCompany incorporationNoService plus separate statutory costs — verify current pricing.
Zeirishi.comFind a tax accountantNoMatching is free to users; the accountant’s own fees apply — verify with each firm.
SquareCard & in-person paymentsPartialNo monthly fee; per-transaction processing fees — verify current rates.
StripeOnline paymentsYesPer-transaction processing fees; no monthly minimum — verify current rates.
GMO Aozora Net Bank (Business)Business bank accountNoNo monthly account fee; transfer fees apply — verify current schedule.
Wise BusinessCross-border business accountYesPer-transfer and conversion fees; account opening fee may apply — verify current terms.

🏠 Loans, mortgages & property

ProviderCategoryEnglish supportFees
Flat 35Fixed-rate mortgagePartialRate and fees vary by lender and loan-to-value — verify current terms.

💸 International money

ProviderCategoryEnglish supportFees
WiseInternational transfersYesTransparent per-transfer fee plus mid-market rate — compare the recipient amount.
RevolutMulti-currency accountYesPlan-based; free FX up to allowances, then a fee — verify current terms.

Crypto & FX

ProviderCategoryEnglish supportFees
bitFlyerRegistered crypto exchangePartialTrading fees and spreads vary by product and order type — verify current schedule.
bitbankRegistered crypto exchangePartialMaker/taker fees and spreads vary — verify current schedule.