Looking for the best Credit Cards in Japan? We have compared 15 Credit Cards from top banks in Japan to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in Japan (2026)
1. AEON Card
Bank: AEON Card
- Annual Fee: No annual fee
- Rewards: WAON POINT
- Benefits: Internet Banking
The AEON Card is a no-annual-fee credit card from AEON Financial Service in Japan, featuring integrated WAON electronic money, support for Visa/Mastercard/JCB networks, and special discounts at AEON r
2. AEON Card Gold
Bank: AEON Card
- Rewards: WAON POINT (enhanced rate)
- Benefits: Lounge Access, Internet Banking
The AEON Card Gold is the premium tier credit card from AEON Financial Service in Japan, offering enhanced benefits over the standard AEON Card including airport lounge access, higher reward point ear
3. SAISON CARD Digital
Bank: Credit Saison
- Credit Saison's flagship numberless digital card issued in as little as 5 minutes via the Saison Portal app. No annual fee with Eikyufumetsu Points th
Credit Saison's flagship numberless digital card issued in as little as 5 minutes via the Saison Portal app. No annual fee with Eikyufumetsu Points that never expire. Supports Apple Pay and Google Pay
4. SAISON CARD Digital
Bank: Credit Saison
- Annual Fee: Free
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: 1 point per ¥1,000 spent (Eikyufumetsu Points, never expire)
- Interest Free Days: Up to 56 days
Credit Saison's flagship numberless digital card issued in as little as 5 minutes via the Saison Portal app. No annual fee with Eikyufumetsu Points that never expire. Supports Apple Pay and Google Pay
5. SAISON Gold American Express Card
Bank: Credit Saison
- Annual Fee: ¥11,000
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: 1.5x points on all purchases, never expire
- Interest Free Days: Up to 56 days
A premium Amex card from Credit Saison offering 1.5x points on all purchases, complimentary airport lounge access, up to ¥50M travel insurance, and bonus rewards for annual spend over ¥500,000. Poin
6. SAISON PEARL American Express Card
Bank: Credit Saison
- Annual Fee: ¥1,100 (Free if used once/year)
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: 1 point per ¥1,000 + 2% via QUICPay
- Interest Free Days: Up to 56 days
An entry-level Amex co-brand from Credit Saison with no annual fee when used at least once per year. Earns Eikyufumetsu Points on every purchase with QUICPay contactless payments earning 2% back. Idea
7. SAISON Platinum American Express Card
Bank: Credit Saison
- Annual Fee: ¥22,000
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: 2x points on all purchases, never expire
- Interest Free Days: Up to 56 days
Credit Saison's top-tier Amex card with 2x Eikyufumetsu Points, Priority Pass lounge access worldwide, concierge service, smartphone insurance, golfer insurance, and comprehensive travel coverage up t
8. JCB Card W
Bank: JCB
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Popular no-annual-fee card for ages 18-39 earning double Oki Doki points with partner merchant bonuses.
9. JCB Gold Card
Bank: JCB
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium gold card with airport lounge access, travel insurance, dining benefits, and enhanced Oki Doki point earning.
10. JCB Platinum
Bank: JCB
- Interest Rate: 1.25% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Invitation-available premium card with Priority Pass, 24-hour concierge, comprehensive travel insurance, and dining privileges.
11. Mizuho Mileage Club ANA Card
Bank: Mizuho Bank
- Annual Fee: Free
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: Eikyufumetsu Points convertible to ANA miles
- Interest Free Days: Up to 56 days
A Mizuho x ANA co-branded card that converts Eikyufumetsu Points to ANA miles at a preferential rate (200pts = 700 miles). No annual fee with full Mizuho banking benefits and ANA Mileage Club membersh
12. Mizuho Mileage Club Card
Bank: Mizuho Bank
- Annual Fee: Free
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: Eikyufumetsu Points (permanent, never expire)
- Interest Free Days: Up to 56 days
Mizuho Bank's core credit card with no annual fee, combining banking convenience with Eikyufumetsu Points rewards. Includes ATM fee waivers, reduced transfer fees based on usage, and seamless integrat
13. Mizuho Mileage Club Card Gold
Bank: Mizuho Bank
- Annual Fee: ¥11,000
- Interest Rate: 14.50% p.a.
- Salary/Eligibility: No
- Rewards: Enhanced Eikyufumetsu Points earning rate
- Interest Free Days: Up to 56 days
Mizuho's premium Gold card with enhanced banking privileges, airport lounge access, higher travel insurance coverage up to ¥50M, and boosted Eikyufumetsu Points earning. Cardholders enjoy priority cu
14. Mizuho Rakuten Card
Bank: Mizuho Bank
- Annual Fee: Free
- Interest Rate: 15.00% p.a.
- Salary/Eligibility: No
- Rewards: 1% Rakuten Points (3% on Rakuten Ichiba)
- Interest Free Days: Up to 56 days
A co-branded card with Rakuten combining Mizuho banking perks with Rakuten's 1% base point rewards (3% on Rakuten Ichiba). No annual fee with automatic Mizuho Mileage Club membership, free ATM withdra
15. MUFG Card Gold Prestige
Bank: MUFG Card
- Annual Fee: JPY 11,000 (first year free)
- Rewards: Up to 20% cashback at partner stores
- Benefits: Lounge Access, Internet Banking
The MUFG Card Gold Prestige is a gold-tier credit card from Mitsubishi UFJ Nicos in Japan, featuring up to 20% point cashback at partner stores, airport lounge access, and automatic overseas travel in
How to Choose a Credit Card in Japan
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in Japan for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Japan now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Japan?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Japan →
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How We Compare Best Credit Cards in Japan 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Japan. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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