Indicative published prices across Japan, including tax. Survey dates and update schedules vary by item. See survey periods and sources →
This site covers everyday life in Japan. Amounts are in Japanese yen (JPY); products, eligibility and public systems refer to Japan. Original article check dates are retained. This English translation is not a new verification of current terms.
Understanding necessary spending comes first. Cards are one tool for organising payments.
I would rather look at money going out before trying to increase points coming in. Using a hypothetical 1% reward rate and examples of unnecessary monthly spending, let’s consider a lighter approach to rewards.
Are payment dates and statements getting harder to follow as your cards multiply? Before reducing their number, review each card’s purpose and recurring payments so you can manage the cards you keep.
Rakuten Card has no annual fee for the standard card and connects everyday spending with Rakuten Points. We examine Rakuten Ichiba, app management and redemption, including reward exceptions and fees.
Choosing your first card: where should you start? →
The order is not a ranking. Categories are editorial starting points for comparison.
3 cards
Think about everyday shopping
Rakuten Card Co., Ltd.
Think about your usual payments
Sumitomo Mitsui Card Company, Limited
Think about point redemption
JCB Co., Ltd.
No cards match. Please change your search.
Card conditions in this comparison directory have not been verified. We do not compare numerical terms until annual fees, reward rates, eligible shops, eligibility and campaigns are checked against official pages.
| Card name | Annual fee | Standard reward rate | Terms & sources |
|---|---|---|---|
| Rakuten Card | Check required | Check required | Check official information ↗ |
| Sumitomo Mitsui Card (NL) | Check required | Check required | Check official information ↗ |
| JCB CARD W | Check required | Check required | Check official information ↗ |
