1
Popular
PointsVISA / Mastercard / JCB
PayPay Card
PayPayカード株式会社
Best for PayPay users — no annual fee
- Annual fee
- Free forever
- Rewards
- Up to 1.5% with PayPay
Overall4.8 / 5
- No annual fee
- Strong PayPay integration
- Easy mobile application
Fact-based comparison
Credit card comparison
Annual fees, reward rates, brands, and who each card fits. Confirm final terms officially.
This page includes advertising (PR) links. Terms and benefits change—confirm on each provider’s official site before applying.
2
PointsVISA / Mastercard / JCB / Amex
Rakuten Card
楽天カード株式会社
Popular in the Rakuten ecosystem
- Annual fee
- Free forever
- Rewards
- From 1.0%
Overall4.5 / 5
- No annual fee
- Bonus points on Rakuten Ichiba
- Frequent signup campaigns
3
Popular
BeginnerJCB
JCB CARD W
株式会社ジェーシービー
For ages 39 and under — strong free rewards
- Annual fee
- Free forever
- Rewards
- From 1.0% (higher at partners)
Overall4.3 / 5
- Free annual fee (age limit applies)
- Bonus partners in JCB network
- Useful for everyday online and café spend
4
StandardVISA / Mastercard
Sumitomo Mitsui Card (NL)
三井住友カード株式会社
Numberless design; high rewards at select stores
- Annual fee
- Free forever
- Rewards
- 0.5% base (higher at select stores)
Overall4.3 / 5
- Numberless card for privacy
- Bonus rewards at select convenience/food stores
- Earns V Points
5
BeginnerVISA
EPOS Card
株式会社エポスカード
Marui benefits and seasonal point-up periods
- Annual fee
- Free forever
- Rewards
- From 0.5%
Overall4.0 / 5
- No annual fee
- Marui shopping perks
- Travel insurance may apply (check terms)
8
Popular
BusinessVISA / Mastercard / JCB 等
Business / corporate cards
各カード会社
For businesses—expense control and accounting links
- Annual fee
- Varies (free to paid)
- Rewards
- Strong for expense tracking
Overall4.0 / 5
- Expense visibility and accounting integrations
- Some allow employee cards
- Easier to separate personal and business spend
6
BeginnerVISA / Mastercard / JCB
Life Card
ライフカード株式会社
Flexible options for beginners and everyday use
- Annual fee
- Free (varies by product)
- Rewards
- Birthday-month multipliers etc.
Overall3.8 / 5
- Birthday-month bonuses
- Some deposit-type options
- Often free first year
7
Popular
PremiumAmerican Express
American Express Green Card
アメリカン・エキスプレス
Built for status and lifestyle perks
- Annual fee
- Annual fee applies (see official)
- Rewards
- Membership Rewards
Overall3.5 / 5
- Earns Membership Rewards
- Travel and lifestyle perks
- Strong brand recognition
* Fees and rewards change—confirm on the issuer’s site before applying.