Persona STACIA Amex ペルソナSTACIA アメリカン・エキスプレス・カード
rail and transit card · American Express International · Credit cards
Persona STACIA Amex is a rail and transit card from American Express, issued on American Express. The annual fee is ¥15,400 including tax. Verify the current amount on the issuer page before applying. It earns S Points / Membership Rewards-like program; the issuer sets out the earning rule, exclusions and rounding on its own pages. Checked against the issuer's official lineup and product page on 2026-08-13.
- Annual fee ¥15,400 including tax
- Earns S Points / Membership Rewards-like program
- Travel insurance
- The annual fee is a recurring cost — check that the benefits you will actually use exceed ¥15,400 a year.
- Stated eligibility: 20+ / screening; issuance remains subject to screening.
Fees: The annual fee is ¥15,400 including tax. Verify the current amount on the issuer page before applying.
Points and rewards
This card earns S Points / Membership Rewards-like program. The issuer sets the earning rule, the exclusions and the rounding.
- Points programme
- S Points / Membership Rewards-like program
- What a point is worth
- Highly variable; Membership Rewards Plus improves many rates
Department store/rail benefits
Regional ecosystem
How you earn
- Earning rule
- Generally 1 point per ¥100 eligible spend; some categories are reduced/excluded; partner cards may use a different currency
- Extra earning on this card
- Hankyu/Hanshin and STACIA benefits
- Programme bonuses
- Bonus Points Program and card-specific offers
- Spend that earns
- Eligible card shopping
- Spend that earns less, or nothing
- Fees, cash advances and designated/reduced-rate categories
- Caps, registration and thresholds
- Airline transfer caps/fees; ANA course fee and 40,000-mile annual cap; partner minimums
- Expiry
- Normally 3 years; after an eligible redemption, ordinary MR can become no-expiry while account remains eligible; some co-brands differ
Using your points
- What points can be used for
- Airline miles; hotel points; card-charge offset; Amex Travel; checkout; gift cards/items/experiences; partner points; donations
- Statement credit or cash
- Point value varies by charge category and MR Plus enrollment
- Shopping and merchants
- Checkout/gift cards/items and partner services
- Airlines and travel
- Many airline partners; ANA/JAL and international programs with varying ratios
- Hotels
- Hotel-program transfers and Amex Travel
- Transit and e-money
- Indirect via statement/merchant uses
- Partner points and gifts
- Airlines, hotels, Rakuten and other current partners
- Investing and charity
- Donations; no general cash withdrawal
- Highest-value route
- A high-value airline/hotel transfer with availability; avoid low-value bill credit without MR Plus
Programme rules published by americanexpress.com · americanexpress.com · 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
- ¥15,400
- Insurance
- Travel insurance
- Family cards and ETC
- Family card terms
- Networks
- American Express
- Stated eligibility
- 20+ / screening
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 |
|---|---|---|
| American Express | ¥15,400 | Selectable network stated or represented at family level |
Card facts
- Network
- American Express.
- Annual fee
- The annual fee is ¥15,400 including tax. Verify the current amount on the issuer page before applying.
- Fee waiver
- Not confirmed in reviewed official material (not the same as “no”)
- Rewards
- Earns S Points / Membership Rewards-like program.
- Base earning
- It earns S Points / Membership Rewards-like program; the issuer sets out the earning rule, exclusions and rounding on its own pages.
- 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
- S Points / Membership Rewards-like program 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
- Travel insurance. 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
- Transit features are part of this card; area, device and top-up conditions are set by the transit operator.
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Family card terms
- ETC card
- Family card terms
- Stated eligibility
- Stated eligibility: 20+ / screening. 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.