JCB Gold / Partner With Point JCB ゴールド / PARTNER WITH POINT
Gold travel card · JCB · Credit cards
JCB Gold / Partner With Point is a Gold travel card from JCB, issued on JCB. The annual fee is ¥11,000 including tax. It earns J-POINT at a published base rate of about 0.5% on eligible use; exclusions and rounding apply. Checked against the issuer's official lineup and product page on 2026-08-16.
Highlights
- Annual fee ¥11,000 including tax
- Earns J-POINT at about 0.5% base rate
- Domestic/overseas lounge services
Things to consider
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥11,000 a year.
- Stated eligibility: 20+ with stable income; issuance remains subject to screening.
Fees: The annual fee is ¥11,000 including tax.
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
Amazon checkout with J-POINT; JCB credit-card accumulation; Gold-tier services
Watch out for
No invitation upgrade to JCB Gold The Premier/The Class from this PWP product; accumulation cap/conditions apply
How you earn
- Earning rule
- Monthly eligible card spend: 1 point per ¥200; card-specific multipliers may apply
- Extra earning on this card
- Amazon.co.jp up to 4x; JCB partner stores; eligible card accumulation up to 1.0% when non-accumulation monthly shopping is at least ¥50,000
- 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
- Online application: first year free; thereafter see current official fee terms
- Insurance
- Overseas travel cover up to stated ¥100m subject to conditions
- Gold-tier domestic/overseas travel and shopping protections subject to current terms
- Lounges and travel services
- Domestic/overseas lounge services
- Domestic airport lounge and Gold service package
- 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.Standing benefits structured from official product/lineup research; short-term signup campaigns are not treated as permanent benefits
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
- The annual fee is ¥11,000 including tax.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns J-POINT.
- Base earning
- It earns J-POINT at a published base rate of about 0.5% 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
- Overseas travel cover up to stated ¥100m subject to conditions. 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
- Domestic/overseas lounge services. Access, guest and visit conditions are set by the current benefit terms.
- 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/ETC available
- ETC card
- Family/ETC available
- Stated eligibility
- Stated eligibility: 20+ with stable income. 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.