Best Credit Cards in Japan — Compare 33 Cards
Every credit card we can verify as issued in Japan — 33 cards from 11 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Japan — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 15% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 8 qualifying cards.
Go to mizuhobank.co.jp Mizuho Bank's site — this card is not linked directly
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 28 qualifying cards.
View on rakuten-card.co.jp Opens Rakuten Card's own page for this card
Airport lounge access for JPY 11,000 a year.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 17 qualifying cards.
Go to viewcard.co.jp View Card's site — this card is not linked directly
At 12% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 27 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Headline cashback of up to 2% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 9 qualifying cards.
Go to paypay-card.co.jp PayPay Card's site — this card is not linked directlyCompare all 33 Japan credit cards
Figures are as each bank publishes them. 0 of 33 cards state a minimum monthly salary, 22 state an annual fee, 27 state an interest or profit rate and 28 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 30 of 33 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 13 of these 33 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 33 cards above for you.
Where are you located?
We'll show cards available in your country
More about credit cards in Japan
The 33 cards compared above are every credit card we can attribute to Japan itself, from 11 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in JPY as published by each bank.
Banks we track in Japan
Keep going in Japan
Guides for Japan
Japan — frequently asked questions
Which credit cards have no annual fee in Japan?
MUFG Card Gold Prestige (MUFG Card), AEON Card (AEON Card), SAISON PEARL American Express Card (Credit Saison), Mizuho Mileage Club Card (Mizuho Bank) are among the 12 cards in our Japan data with a zero or waived annual fee.
What is the best cashback credit card in Japan?
We track 4 cashback cards in Japan. Rakuten Card from Rakuten Card publishes: cashback on everyday spend. The right one depends on where you actually spend — the finder above ranks them for your profile.
How does the card finder pick a card?
It scores every card we hold for Japan against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.