JCB Card R JCB CARD R
everyday card · JCB · Credit cards
JCB Card R is a everyday card from JCB, issued on JCB. The annual fee is free. It earns J-POINT at a published base rate of about 2% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-13.
Highlights
- No annual fee
- Earns J-POINT at about 2% base rate
- Available on JCB
Things to consider
- Stated eligibility: 18+; high-school students excluded; issuance remains subject to screening.
- Rates, benefits, insurance and campaigns change; confirm the dated issuer page before applying.
Fees: The annual fee is free.
Points and rewards
This card earns J-POINT at a published base rate of 2% on eligible use, before exclusions and rounding.
- Points programme
- J-POINT
- Base earning rate
- 2%
- What a point is worth
- Up to ¥1 per point depending on use
Best for
Higher points
Watch out for
Revolving-payment-only card; interest can overwhelm rewards
How you earn
- Earning rule
- Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply
- Extra earning on this card
- Advertised 4x points
- Programme bonuses
- J-POINT partner stores; J-POINT Mall; eligible cards may receive a bonus for each ¥500,000 annual spend. JCB Card W/W plus L are excluded from the annual-spend bonus
- Spend that earns
- Ordinary eligible shopping aggregated monthly
- Spend that earns less, or nothing
- Annual fees, fees/interest, cash advances and issuer-designated transactions; securities accumulation follows separate rules
- Caps, registration and thresholds
- Partner registration, merchant and annual-spend rules differ by card; credit-card accumulation generally up to ¥100,000/month
- Expiry
- General 2 years; Gold 3 years; Gold The Premier/Platinum/The Class 5 years from award month
Using your points
- What points can be used for
- Amazon checkout where eligible; statement/payment-related options; partner points; airline miles; gift cards/items; JCB travel and charity options
- Statement credit or cash
- Available routes vary; do not assume ¥1 per point for every bill-credit option
- Shopping and merchants
- Amazon with eligible PWP cards; partner points and digital/gift rewards
- Airlines and travel
- Airline miles and travel-related awards; transfer ratios vary
- Hotels
- Indirect through travel/partner awards
- Transit and e-money
- Partner-point/e-money routes vary
- Partner points and gifts
- Multiple partner points, miles, gift cards and catalog items
- Investing and charity
- Eligible securities accumulation earns separately; charity options available
- Highest-value route
- 1 point≈¥1 routes or a high-value partner/mile route after checking the exchange chart
Programme rules published by jcb.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- Free
- Insurance
- See official terms
- Family cards and ETC
- See official page
- Networks
- JCB
- Stated eligibility
- 18+; high-school students excluded
Issuance and the credit limit remain subject to the issuer’s screening.
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| JCB | Free | Selectable network stated or represented at family level |
Card facts
- Network
- JCB.
- Annual fee
- The annual fee is free.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns J-POINT.
- Base earning
- It earns J-POINT at a published base rate of about 2% on eligible use; exclusions and rounding apply.
- Bonus conditions
- Not confirmed in reviewed official material (not the same as “no”)
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- J-POINT sets the redemption options and the value of a point on its own programme page; the same earning rate is worth different amounts as a statement credit, partner points or miles.
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- See official terms. Activation, covered persons, limits and exclusions follow the policy guide.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Not confirmed in reviewed official material (not the same as “no”)
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- See official page
- ETC card
- See official page
- Stated eligibility
- Stated eligibility: 18+; high-school students excluded. Issuance and limits remain subject to screening; no approval-likelihood claim is made.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Recorded from the issuer lineup and product page on the stated date. Terms, rates, benefits, insurance and campaigns can change; no approval ranking or foreign-resident eligibility claim is made.