JCB Gold JCBゴールド
Mainstream domestic gold card · JCB · Credit cards
A conventional ¥11,000 gold JCB (first year free for qualifying new online applicants) with domestic airport lounges, insurance and lifestyle discounts; paid LoungeKey access is separate from a full Priority Pass package.
Highlights
- Domestic airport lounges and travel insurance
- First year free for qualifying new online applications
- Club Off-style lifestyle discounts
Things to consider
- Modest ~0.5% base reward
- Paid LoungeKey is not a full complimentary Priority Pass
Fees: ¥11,000 annual fee; first year can be free for qualifying new online applications.
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
Travel, dining and lounge package
Watch out for
Insurance is generally use-conditional; benefit utilization needed
How you earn
- Earning rule
- Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply
- Extra earning on this card
- Partner bonuses; invitation path to Gold The Premier
- 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
- ¥11,000
- Insurance
- Overseas travel cover up to stated ¥100m subject to conditions
- Lounges and travel services
- Domestic/overseas lounge services
- Family cards and ETC
- Family/ETC available
- Networks
- JCB
- Stated eligibility
- 20+ with stable income
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 | ¥11,000 | Selectable network stated or represented at family level |
Card facts
- Network
- JCB.
- Annual fee
- ¥11,000 including tax; first year free for qualifying new online applications.
- Fee waiver
- No standing annual waiver beyond the first-year offer for qualifying applications.
- Rewards
- Earns J-POINT, the JCB programme that replaced Oki Doki points in January 2026.
- Base earning
- Around 0.5% base accrual on eligible spend before partner and campaign uplifts; exclusions 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
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- JCB applies its designated overseas processing charge (published around 1.60%) on foreign-currency use; verify the current rate.
- Insurance
- Travel insurance and shopping protection apply under the policy guide with activation, limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Complimentary domestic airport lounges plus paid LoungeKey overseas access are offered.
- 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
- Family cards are available under the issuer fee and eligibility conditions.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Applicants must satisfy the issuer-stated age, income/status and other conditions; 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
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.