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
StandardVISA / Mastercard#4
Sumitomo Mitsui Card (NL)
三井住友カード株式会社
Numberless design; high rewards at select stores
This page includes advertising (PR) links. Terms and benefits change—confirm on each provider’s official site before applying.
Annual fee
Free forever
Rewards
0.5% base (higher at select stores)
Highlights
- ✓Numberless card for privacy
- ✓Bonus rewards at select convenience/food stores
- ✓Earns V Points
Best for
- Frequent small daily payments
- Security-conscious users
- Mobile contactless pay users
Notes
- Top rates are merchant-specific
- Base rate is modest outside bonus stores
Scores
Rewards4 / 5
Usability5 / 5
Benefits4 / 5
Application4 / 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