The Ultimate Guide on How to Pick Your Credit Card in Japan
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Whether you are a student or a salaryman with many years of experiences, you can find the most appropriate card that fits your expectation here.
Understand Your Spending Habits
Identify where you spend most of your money. Are you frequently shopping at コンビニ (convenience stores), dining out, traveling, or using public transportation?
Your spending habits will dictate which credit card will offer the most rewards and benefits.
Types of Credit Cards in Japan
- 一般目的カード (General Purpose Cards): Suitable for a variety of spending, these cards often provide points or cashback for every purchase.
- 店専用カード (Store-Specific Cards): Ideal if you frequently shop at specific retailers like 楽天 (Rakuten) or Amazon Japan.
- 旅行カード (Travel Cards): Best for those who travel often, offering rewards like airline miles, travel insurance, and 空港ラウンジ (airport lounge) access.
- ライフスタイルカード (Lifestyle Cards): Tailored to specific lifestyles, such as cards that offer rewards for dining, entertainment, or 公共交通機関 (public transport).
Key Features to Consider
- 年会費 (Annual Fees): Some cards have annual fees which may be justified by the benefits they offer. Compare these to fee-free cards.
- ポイント還元率 (Reward Rates): Look for cards that offer high reward rates in categories where you spend the most.
- 入会ボーナス (Sign-Up Bonuses): Many cards offer significant sign-up bonuses. Ensure you can meet the spending requirements to qualify.
- 海外取引手数料 (Foreign Transaction Fees): If you travel or shop internationally, look for cards that waive foreign transaction fees.
- 追加のメリット (Additional Benefits): Consider cards that offer extras such as travel insurance, purchase protection, and concierge services.
Popular Credit Card Providers in Japan
JCB: Known for extensive acceptance in Japan and attractive reward programs.
三井住友 (Mitsui Sumitomo): Offers a range of cards including the popular 三井住友カード (NL) with excellent rewards for daily spending.
楽天カード (Rakuten): Ideal for frequent shoppers on Rakuten with high points accumulation.
アメリカン・エキスプレス (American Express): Provides premium benefits and services, albeit with higher annual fees.
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- Fee: free
- Cashback: 1.0% (high end)
- This card allows you to earn 10 times the WAON POINTS at Universal Studios Japan.
- Fee: free
- Cashback: 1.0% (high end)
- This is a great card from AEON that has both credit and WAON functions.
- Fee: free
- Cashback: 1.0% (high end)
- This is an AEON card with a Mickey Mouse design that has both credit and WAON functions.
- Fee: free
- Cashback: 1.0% (high end)
- This Toy Story-designed AEON card with WAON functionality can be issued in as little as five minutes.
- Fee: free
- Cashback: 1.0% (high end)
- Anyone aged 55 or over can apply for this AEON Card, which offers a 5% discount exclusively to members.
- Fee: free
- Cashback: 1.0% (high end)
- This is an AEON card that comes with a cash card and WAON electronic money.
How to Apply for a Credit Card in Japan as a Foreigner
Step-by-Step Guide:
- Gather Required Documents: Typically, you’ll need your residence card, passport, proof of income (or student status), and possibly a Japanese bank account.
- Choose the Right Card: Based on your needs and the benefits listed above.
- Complete the Application: Many cards offer online applications in English. Ensure all information is accurate.
- Wait for Approval: This can take from a few days to a few weeks. Some banks might request additional information.
- Receive Your Card: Once approved, your card will be mailed to your registered address.