Mercard メルカード
retail card · Mercari / Merpay · Credit cards
Mercard is a retail card from Mercari / Merpay, issued on JCB. The annual fee is free. It earns Mercari Points at a published base rate of about 1% 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 Mercari Points at about 1% base rate
- No family/ETC
Things to consider
- Stated eligibility: 18+; Mercari account; 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 Mercari Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Mercari Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 in eligible Mercari/Merpay use
Best for
Useful for Mercari users
Watch out for
Personalized rate and closed-loop points
How you earn
- Earning rule
- Mercard: base rate outside Mercari and personalized rate on Mercari; Gold adds annual-spend benefits
- Extra earning on this card
- Mercari purchases up to personalized rate; 8th-day benefits
- Programme bonuses
- Personalized Mercari rate, 8th-day campaigns and Gold annual-spend benefits
- Spend that earns
- Eligible Mercard/Merpay and Mercari transactions
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions
- Caps, registration and thresholds
- Personalized rate, campaign and annual bonus caps apply
- Expiry
- Depends on grant type; campaign/limited points can have short fixed expiry
Using your points
- What points can be used for
- Mercari purchases and Merpay-supported payments
- Statement credit or cash
- Use within Mercari/Merpay; no cash withdrawal
- Shopping and merchants
- Mercari and Merpay merchants
- Airlines and travel
- Only where Merpay is accepted
- Hotels
- Only via accepted payment
- Transit and e-money
- Merpay/iD-supported purchases; restrictions apply
- Partner points and gifts
- Limited outward transfer
- Investing and charity
- No general point investment
- Highest-value route
- Use limited points first on Mercari/Merpay at ¥1
Programme rules published by mercard.me · 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 page
- Family cards and ETC
- No family/ETC
- Networks
- JCB
- Stated eligibility
- 18+; Mercari account
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 Mercari Points.
- Base earning
- It earns Mercari Points at a published base rate of about 1% 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
- Mercari Points 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 page. 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
- No family/ETC
- ETC card
- No family/ETC
- Stated eligibility
- Stated eligibility: 18+; Mercari account. 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.