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.
3
Popular
BeginnerJCB
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
5
BeginnerVISA
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)
6
BeginnerVISA / Mastercard / JCB
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
* Fees and rewards change—confirm on the issuer’s site before applying.