An easy-to-get no-fee secondary card with useful invitations to Gold.
The Epos Card has no annual fee and earns about 0.5% (1 point per ¥200); ordinary points generally expire after two years but can be extended, and Epos Gold becomes attractive after a free invitation or natural fee waiver.
The Epos Card has no annual fee and earns one Epos Point per ¥200, usually about 0.5% before bonuses, with varying merchant and travel-portal bonuses. It is an easy no-fee secondary card, often cited as accessible for residents building a card history. Ordinary points generally expire after two years but can be extended by activity. Epos Gold is attractive after a free invitation or a natural fee waiver — its annual bonus increases with spending up to a published maximum, and subsequent years can become free after qualifying annual use — but it is less compelling if you pay a fee without using the benefits.
No-annual-fee credit card · Marui (Epos)
A no-annual-fee Visa card issued by Epos Card, with Epos Points and partner benefits subject to current terms.
Fees: No annual fee for the base card; interest only on revolving/installment use.
Rakuten Card, PayPay Card, d Card, au PAY Card, and JCB Card W are prominent no-annual-fee examples with an ordinary rate near one percent in their own point system. Choose by the redemption ecosystem you already use, not by the headline rate alone.
The Rakuten Card (partial English information) and the Epos Card (easy to get, often cited as accessible) are commonly accessible first cards. Establish a bank account, phone, address record, and payment history first, then apply for one card at a time; keep your name spelling consistent everywhere.