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
PremiumAmerican Express#7
American Express Green Card
アメリカン・エキスプレス
Built for status and lifestyle perks
This page includes advertising (PR) links. Terms and benefits change—confirm on each provider’s official site before applying.
Annual fee
Annual fee applies (see official)
Rewards
Membership Rewards
Highlights
- ✓Earns Membership Rewards
- ✓Travel and lifestyle perks
- ✓Strong brand recognition
Best for
- Willing to pay annual fees for perks
- Frequent travelers
- Flexible points redemption seekers
Notes
- Confirm fee and eligibility officially
- Stricter approval than mass-market cards
Scores
Rewards4 / 5
Usability3 / 5
Benefits5 / 5
Application2 / 5
Also consider
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
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