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
PointsVISA / Mastercard / JCB / Amex#2
Rakuten Card
楽天カード株式会社
Popular in the Rakuten ecosystem
This page includes advertising (PR) links. Terms and benefits change—confirm on each provider’s official site before applying.
Annual fee
Free forever
Rewards
From 1.0%
Highlights
- ✓No annual fee
- ✓Bonus points on Rakuten Ichiba
- ✓Frequent signup campaigns
Best for
- Rakuten shoppers
- Point collectors
- Looking for a daily driver card
Notes
- Check campaign spend requirements
- Know point expiry and exchange options
Scores
Rewards5 / 5
Usability5 / 5
Benefits4 / 5
Application4 / 5
Also consider
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
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