| Rakuten Card | No-annual-fee credit card | Partial | No annual fee; interest applies only if you use revolving or installment payments. |
| Epos Card | No-annual-fee credit card | No | No annual fee for the base card; interest only on revolving/installment use. |
| American Express (Japan) | Annual-fee rewards card | Yes | Annual fee varies by card tier — compare against the benefits you will use. |
| Sumitomo Mitsui Card (NL) | No-annual-fee credit card | No | No annual fee for the standard card; other cards and payment services have separate fees. |
| JCB Card S | No-annual-fee credit card | No | No annual fee for the standard card; other cards and payment services have separate fees. |
| d Card | No-annual-fee credit card | No | No annual fee for the standard card; other cards and payment services have separate fees. |
| PayPay Card | No-annual-fee credit card | No | No annual fee for the standard card; other cards and payment services have separate fees. |
| au PAY Card | No-annual-fee credit card | No | No annual fee for the standard card; other cards and payment services have separate fees. |
| Sumitomo Mitsui Card Gold (NL) | Fee-waivable gold card | No | ¥5,500 annual fee, permanently waived after ¥1,000,000 of qualifying annual spend. |
| Sumitomo Mitsui Card Platinum Preferred | Points-focused platinum card | No | ¥33,000 annual fee; value depends on directing high annual spend to the card. |
| Olive Flexible Pay Gold | All-in-one bank + card gold | No | ¥5,500 gold fee, permanently waived after ¥1,000,000 of qualifying annual spend in credit mode. |
| Amazon Mastercard | No-annual-fee co-brand card | No | No annual fee; interest applies only if you use revolving or instalment payments. |
| JCB Card W | No-annual-fee card for ages 18–39 | No | No annual fee; interest applies only on revolving/instalment use. |
| JCB Gold | Mainstream domestic gold card | No | ¥11,000 annual fee; first year can be free for qualifying new online applications. |
| JCB Platinum | Value-oriented concierge platinum | No | ¥27,500 annual fee; value comes from concierge, dining and lounge use rather than points. |
| Rakuten Gold Card | Low-cost ecosystem gold card | Partial | ¥2,200 annual fee; benefits over the free card are limited. |
| Rakuten Premium Card | Rakuten card with travel features | Partial | ¥11,000 annual fee; judge Priority Pass value under current visit limits. |
| Rakuten Black Card | Rakuten top-tier premium card | Partial | ¥33,000 annual fee; access is gated and issuance is not guaranteed. |
| American Express Gold Preferred | Dining and travel rewards card | Yes | ¥39,600 annual fee including two free family cards; interest via PayFlex applies only if used. |
| American Express Platinum | Luxury travel and family-card platinum | Yes | ¥165,000 annual fee including up to four free family cards; strongest for households using premium travel. |
| Epos Gold Card | Optimizable fee-waivable gold | No | ¥5,000 annual fee, permanently waived by invitation or after ¥500,000 of qualifying annual spend. |
| Epos Platinum Card | Annual-bonus-optimized platinum | No | ¥30,000 direct or ¥20,000 invited; value depends on annual bonus points. |
| Saison Card Digital | Instant-issue digital card | No | No annual fee; a ¥1,650 charge applies only if there is no use across a full annual measurement period. |
| Saison Gold Premium | Lifestyle-category gold card | No | ¥11,000 annual fee, free the following year after ¥1,000,000 of qualifying annual spend. |
| Saison Platinum American Express | Mid-priced travel platinum | No | ¥33,000 annual fee; strong mid-price travel card with mileage options. |
| d Card GOLD | Docomo household gold card | No | ¥11,000 annual fee; justified mainly by 10% on eligible docomo charges. |
| d Card PLATINUM | Heavy-Docomo platinum card | No | ¥29,700 annual fee; the earn rate on docomo charges depends on prior monthly spend. |
| au PAY Gold Card | au/UQ household gold card | No | ¥11,000 annual fee; highly competitive inside the au ecosystem. |
| PayPay Card Gold | PayPay ecosystem gold card | No | ¥11,000 annual fee, effectively offset by 11,000 points at exactly ¥1,000,000 of qualifying annual spend. |
| AEON Card Select | AEON shopping + banking card | No | No annual fee; strongest for regular AEON shoppers. |
| AEON Gold Card | Free invitation-based gold card | No | No annual fee once issued; typically an invitation or upgrade product. |
| Orico Card THE POINT | Straightforward 1% no-fee card | No | No annual fee; 1% base with a 2% introductory period (six months, up to ¥500,000). |
| Orico Card THE POINT PREMIUM GOLD | Low-fee electronic-money gold | No | ¥1,986 annual fee; one of the least expensive Gold cards. |
| Mitsubishi UFJ Card | No-fee bank-group card | No | No annual fee; best for MUFG account and selected-store users. |
| Mitsubishi UFJ Card Gold Prestige | MUFG-ecosystem gold card | No | ¥11,000 annual fee; first year free for eligible web applications. |
| Mitsubishi UFJ Card Platinum American Express | Low-fee full-service platinum | No | ¥22,000 annual fee including one free family card; a service-value platinum, not a points card. |
| View Card | JR East / Suica commuter card | No | ¥524 annual fee; a specialist Suica/JR East commuter card. |
| JRE CARD | Station-building shopping card | No | First year free, then ¥524; up to 3.5% at eligible station-building stores. |
| View Gold Plus Card | Premium JR East travel gold | No | ¥11,000 annual fee; best for frequent JR East and Shinkansen travellers. |
| JAL Card (Regular) | Entry JAL mileage card | No | First year free, then ¥2,200 (¥6,600 for the American Express variant). |
| JAL CLUB-A Gold Card | Frequent-flyer JAL gold card | No | ¥17,600 mainstream (¥20,900 Suica/Amex; ¥34,100 Diners); 25% flight bonus. |
| JAL Platinum Card | Premium JAL international card | No | Around ¥34,100 (JCB/Amex variants); for frequent international JAL travel. |
| ANA Visa/Master General Card | Entry ANA mileage card | No | ¥2,200 after a free first year; standard 1,000-mile joining bonus. |
| ANA Visa/Master Wide Gold Card | Frequent-flyer ANA gold card | No | ¥15,400 annual fee; 2,000-mile joining bonus and 25% boarding bonus. |
| Diners Club Card | Dining and travel charge card | Partial | ¥29,700 annual fee; strong dining, travel and lounge services. |
| Diners Club Premium | Ultra-premium dining and travel | Partial | ¥165,000 annual fee including free family cards; invitation product. |
| Luxury Card Mastercard Titanium | Entry metal premium card | Partial | ¥55,000 annual fee; entry metal premium card. |
| Luxury Card Mastercard Black | Concierge and networking premium | Partial | ¥110,000 annual fee; ~1.25% base plus premium services. |
| Luxury Card Mastercard Gold | Ultra-premium rewards and status | Partial | ¥220,000 annual fee; the most expensive card in this set. |