dCardジャパン docomo
Price on request
- 年会費: 年間0円
- 購入APR: 年率18.0%
- 主な特徴: 1%のdポイント獲得。ドコモモバイルユーザーはさらにポイント獲得。dCard GOLD 年額11,000円でモバイル料金の10%がキャッシュバック。
- 報酬の種類: dポイント（基本1％、ドコモユーザーの場合は最大5％）
Compare Credit Cards in Japan
Live offers across tracked providers in Japan — updated daily from the Giraffy database.
Live offers
19 live offers compared from 17 providers. Updated daily.
Epos Card JP Epos Card
Price on request
- 年会費: 年間0円
- 購入APR: 年率18.0%
- 主な特徴: 店頭での即時承認（丸井）；ゴールド会員へのアップグレード（0.5%→1.5%ポイント）；海外ラウンジ利用（ゴールド会員）
- 報酬の種類: Eposポイント（0.5%、ゴールドティアは1.5%）
JCBカードW JP JCB
Price on request
- 年会費: 年額0円（39歳未満で申し込む場合。その後は永久無料）
- 購入APR: 年率18.0%
- 主な特徴: 標準JCBと比較して2倍のポイント。Amazon/Starbucksでは4～5倍。JCBオリジナルシリーズ。日本国内で圧倒的なシェア。
- 報酬の種類: JCBオキドキポイント（基本2％×1.5倍）
PayPayカードJP PayPay Card
Price on request
- 年会費: 年間0円
- 購入APR: 年率18.0%
- 主な特徴: PayPayアプリ連携；PayPay STEP：PayPay加盟店で最大1.5%の手数料；Yahoo!ショッピング5%
- 報酬の種類: PayPayポイント（1～1.5％）
楽天カードJP Rakuten Card
Price on request
- 年会費: 年間0円
- 購入APR: 年率18.0%
- 主な特徴: 楽天SPU：最大3～16倍のポイント；利用者数で日本No.1のカード；JCB/Visa/Amex/MasterCard対応
- 報酬の種類: 楽天ポイント（基本1%、SPUボーナス）
アメックスグリーンカードジャパン American Express Japan
Price on request
- 年会費: 13,200/年
- 購入APR: 無料期間
- 主な特徴: 会員特典ポイント
- 報酬の種類: 旅行特典
JCBカードW JCB
Price on request
- 年会費: 無料
- 購入APR: 15%
- 主な特徴: 39歳未満はJCBポイント2倍
- 報酬の種類: 高報酬
MUFGゴールドカード MUFG Card
Price on request
- 年会費: 2,200/年
- 購入APR: 15%
- 主な特徴: ボーナス込みで0.5％のポイント
- 報酬の種類: 基本報酬
MUFG DCカード プラチナ MUFG Bank
Price on request
- 年会費: 22,000/年
- 購入APR: 15%
- 主な特徴: 0.5% + プレミアム特典
- 報酬の種類: 白金
オリコカード THE POINT Orico Card
Price on request
- 年会費: 無料
- 購入APR: 15%
- 主な特徴: 全支出に対して2％のポイント
- 報酬の種類: 報酬
セゾンカードインターナショナル Credit Saison
Price on request
- 年会費: 無料
- 購入APR: 15%
- 主な特徴: セゾンマイル特典
- 報酬の種類: 報酬
UCカードVisa UC Card
Price on request
- 年会費: 無料
- 購入APR: 15%
- 主な特徴: UCポイントプログラム
- 報酬の種類: 基本報酬
ANAカード ANA Credit Card
Price on request
- 年会費: 2,200円
- 購入APR: 15%
- 主な特徴: ANAマイルは200円につき1ポイント獲得できます。
- 報酬の種類: マイルズ
ダイワハウスファイナンスカード Daiwa House Finance Card
Price on request
- 年会費: 0円
- 購入APR: 15%
- 主な特徴: ダイワハウスポイント
- 報酬の種類: ポイント
SMBCカードVパス SMBC Card
Price on request
- 年会費: 0円～11,000円
- 購入APR: 15～18％
- 主な特徴: Vpassポイントシステム
- 報酬の種類: ポイント
トヨタクレジットカード Toyota Credit Card
Price on request
- 年会費: 0円～5,500円
- 購入APR: 15%
- 主な特徴: トヨタディーラー割引
- 報酬の種類: キャッシュバック
アメックスゴールドカード（日本版） American Express Japan
Price on request
- 年会費: 31,900/年
- 購入APR: 無料
- 主な特徴: レストラン利用でポイント3倍＋ボーナス
- 報酬の種類: プレミアム旅行
アマゾンマスターカードJP Amazon Japan
Price on request
- 年会費: 年間0円
- 購入APR: 年率18.0%
- 主な特徴: Amazon.co.jpでは1.5%（プライム会員は2%）、その他の場所では1%。外貨両替手数料は無料。
- 報酬の種類: Amazonポイント（Amazonでの利用1.5％、その他利用1％）
新生銀行カード Shinsei Bank Card
Price on request
- 年会費: 0円
- 購入APR: 15%
- 主な特徴: 新生銀行のキャッシュバック
- 報酬の種類: キャッシュバック
What are credit cards in Japan?
Credit cards in Japan are revolving or single-payment charge products issued mainly by dedicated card companies and banks. Japan is unusual in that the domestic JCB network sits alongside Visa and Mastercard, and much everyday spending still flows through cards linked to points ecosystems and QR-pay apps. Most cardholders pay their statement in full each month (ikkatsu barai), using revolving credit sparingly.
How the Japanese market works
Cards are dominated by points-and-ecosystem players. Rakuten Card, PayPay Card and docomo's dcard tie spending to huge loyalty programmes and mobile-payment apps, while JCB and MUFG Card issue proprietary and co-branded products. Epos Card is popular for its retail tie-ups and no-fee entry tier, and American Express Japan targets premium travel and rewards. Banks such as MUFG Bank issue cards bundled with accounts, and QR services like PayPay have blurred the line between card and wallet.
Benefits
Rich points ecosystems — Rakuten, PayPay and d-points reward everyday spend with points redeemable across shopping, mobile and travel.
Wide domestic acceptance — JCB acceptance is near-universal in Japan, and dual-network cards work overseas too.
Bundled perks — travel accident insurance, shopping protection and airport lounge access on higher tiers add practical value.
How to choose
Match the card to the ecosystem you already use: Rakuten shoppers gain most from Rakuten Card, PayPay users from PayPay Card, and docomo mobile customers from dcard. Compare the annual fee (many entry cards are free for life), the base points rate and bonus categories, foreign-transaction handling if you travel, and included insurance. If you ever revolve a balance, check the revolving interest rate closely, as it is far higher than the near-zero cost of paying in full.
Leading providers in Japan
Rakuten Card and PayPay Card lead on points and app integration, docomo's dcard rewards mobile loyalty, and JCB anchors the domestic network with strong travel benefits. MUFG Card and MUFG Bank cards suit banking customers, Epos Card offers an easy fee-free entry with retail perks, and American Express Japan serves the premium rewards and travel segment.
What it costs
Many entry cards carry no annual fee, while gold and platinum tiers range from a few thousand to tens of thousands of yen a year. Paying the statement in full each month costs nothing in interest. Revolving balances (ribo barai), however, attract high annual interest — often around 15% to 18% — so revolving should be avoided unless necessary. Cash advances carry similarly steep rates plus fees.
Protections and regulation
Card issuers operate under the Installment Sales Act and are supervised in conjunction with the Financial Services Agency (FSA); credit information is shared through designated credit bureaus. Cardholders benefit from unauthorised-use liability protection and, for instalment purchases, statutory dispute rights. Networks apply chargeback and fraud-monitoring safeguards on both domestic and international transactions.
Common questions
Is JCB accepted abroad? Acceptance is strongest across Asia and at travel merchants; carrying a Visa or Mastercard alongside is wise for wider global coverage.
Should I use revolving payment? Only when unavoidable — paying in full each month keeps borrowing free, whereas ribo interest compounds quickly.
Credit Cards in Japan — FAQ
What credit score do I need to get approved for a credit card in Japan?
Minimum score requirements vary by card and issuer. In Japan, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Which credit card in Japan has no foreign transaction fee?
Giraffy tracks 5 credit cards across docomo,Epos Card,JCB,PayPay Card,Rakuten Card banks in Japan. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
How do balance transfers work, and are they worth it?
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
What is a rewards or cashback credit card?
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Can I get a credit card with no annual fee?
Yes — several cards tracked by Giraffy in Japan charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
How does credit card interest work?
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
What is the difference between a credit limit and an available balance?
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.