JCB Card S JCBカード S
No-annual-fee credit card · JCB · Credit cards
JCB-branded no-annual-fee card with J-POINT rewards and benefits subject to issuer terms.
Highlights
- No annual fee for the standard card
- Points on eligible spending
- Official online application subject to screening
Things to consider
- Bonus rates require specific conditions
- Confirm revolving-payment and foreign-use fees
Fees: No annual fee for the standard card; other cards and payment services have separate fees.
Points and rewards
This card earns J-POINT at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- J-POINT
- Base earning rate
- 0.5%
- What a point is worth
- Up to ¥1 per point depending on use
Best for
Club Off-style dining/leisure/entertainment benefits
Watch out for
Base value depends on redemption
How you earn
- Earning rule
- Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply
- Extra earning on this card
- Partner and J-POINT Mall bonuses
- 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
- Family/ETC available
- 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
- No annual fee for the primary card.
- Fee waiver
- Not applicable because the primary-card annual fee is free.
- Rewards
- Earns J-POINT under the current JCB program.
- Base earning
- Points accrue on eligible monthly card use under JCB rounding and exclusion rules.
- Bonus conditions
- Partner-store and campaign awards have separate registration, merchant, and payment conditions.
- Point expiry
- Point validity follows the current J-POINT terms for this card.
- Redemption
- Redemption choices and values vary by destination; consult the current catalogue.
- Foreign transaction fee
- Overseas use is converted under JCB rules with the designated administrative charge.
- Insurance
- Insurance is conditional; activation, covered persons, limits, and exclusions are in the policy guide.
- Purchase protection
- Shopping protection is limited by territory, payment method, item, claim period, deductible, and exclusions.
- 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
- Wallet and contactless support varies by device and service.
- Family cards
- Family cards are available under the issuer fee and eligibility conditions.
- ETC card
- An ETC card is available under current issuer conditions.
- Stated eligibility
- Applicants must satisfy the issuer-stated age, income/status, and other requirements; issuance is screened.
- Application
- Apply through the issuer channel. Issuance and limits remain subject to screening; this record makes no approval-likelihood claim.
- 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 later-payment changes.
- Cash advance
- Cash advance requires a separately approved limit and carries the disclosed interest and repayment conditions.
- Limitations
- Terms, rates, benefits, and campaigns can change. Verify the dated issuer material; no approval ranking or foreign-resident eligibility claim is made.
JCB Card S vs other standard cards
A side-by-side view of fixed cost and point terms. Select any card name to open its full record.
| Criterion |  JCB Card S |  Rakuten Card |  Epos Card |  Sumitomo Mitsui Card (NL) |  d Card |  PayPay Card |  au PAY Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the primary card. | No annual fee for the standard primary card. | No annual fee for the standard card. | No annual fee for the standard card. | No annual fee for the standard d Card. | No annual fee for the standard card. | No annual fee for the standard card. |
| Points | Earns J-POINT under the current JCB program. | Earns Rakuten Points. | Earns Epos Points. | Earns V Points. | Earns d POINT. | Earns PayPay Points. | Earns Ponta Points. |
| Base earning | Points accrue on eligible monthly card use under JCB rounding and exclusion rules. | Generally 1 point per ¥100 of eligible card use; exclusions and different rates apply. | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | Base points accrue on eligible purchases; exclusions and rounding rules apply. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. | Ponta Points accrue on eligible card use; exclusions and calculation rules apply. |
| Point expiry | Point validity follows the current J-POINT terms for this card. | Regular points expire one year after the last point was earned; earning a regular point extends the date. Limited-time points follow their stated date. | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | Expiry is governed by the current V Point terms and activity rules. | Validity follows current d POINT Club rules and point type. | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. | Point validity follows current Ponta program terms and activity treatment. |