Compare Credit Cards
Find your card by annual fee, rewards and perks. Verify the latest terms officially.
Picks by profile — which type are you?
Start from the profile closest to you. The cases below are editorial example models.
「Shops on Rakuten a lot; wants points.」
A staple that earns well across the Rakuten ecosystem.
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「Wants rewards on contactless at konbini/dining.」
Strong contactless rewards at partners; fee waived on condition.
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「Wants instant issuance plus discounts.」
No fee, same-day issuance, lots of perks — a great first card.
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楽天カード
Popular all-rounder in the Rakuten ecosystem
- No annual fee
- Strong Rakuten rewards
- Great first card
People who frequently use Rakuten Ichiba or want to earn points on everyday purchases, from beginners to intermediate users.
- Points are easily accumulated on Rakuten Ichima purchases, and many affiliated services make it suitable for those who want to leverage the Rakuten ecosystem.
- No annual fee and easy issuance make it a safe choice for credit card beginners.
- Comes with overseas travel insurance and shopping insurance, which can be useful for travel and purchases.
Check the official website for the latest point reward rates, insurance details, and eligible merchants.
三井住友カード ゴールド（NL）
Strong contactless rewards at partner stores
- Numberless security
- Contactless rewards at partners
- Annual usage bonus
Those who expect to use the card for over 1 million yen annually and want to earn rewards while keeping annual fees low.
- Annual fee waived from the second year onward if you spend over 1 million yen per year, reducing costs.
- Higher point reward rate with contactless payments, allowing efficient point accumulation even for small daily purchases.
- Access to airport lounges and travel insurance, typical benefits of a gold card.
Check the official website for the latest annual fee conditions, point reward rates, and insurance details.
JCBカード W
Always-on rewards for younger members
- No annual fee
- Higher base rewards
- Partner perks
Credit card beginners or those who want to earn points easily with no annual fee.
- No annual fee forever, so you can use it without worrying about maintenance costs.
- Standard point redemption rate allows you to accumulate points steadily through daily shopping.
- Easy to check transaction details via smartphone app, helping to prevent overspending.
Check the official website for the latest point redemption rates and conditions for partner stores.
PayPayカード
Best paired with PayPay
- No annual fee
- PayPay top-up & pay
- Yahoo perks
People who frequently use PayPay or want to efficiently earn points.
- Points are easily accumulated when paying with PayPay.
- Widely accepted, allowing point accumulation in daily shopping.
- Depending on the top-up method, bonus points may be added.
Check the official website for the latest point redemption rates, benefit conditions, and annual fee details.
エポスカード
Wide discounts, same-day issuance
- No annual fee
- Many dining/leisure discounts
- Same-day issuance
Credit card beginners or those who want to earn points with no annual fee.
- No annual fee makes it easy to use as a first credit card.
- High point reward rate allows efficient accumulation through daily shopping.
- Discounts and benefits are available at partner stores and events nationwide.
Check the official website for the latest point reward rates and partner store conditions.
リクルートカード
High base reward rate
- No annual fee
- High base reward
- Recruit-service perks
Those who regularly engage in point activities or travel bookings and want to efficiently accumulate points.
- It integrates with Recruit Group services (Jalan, Hot Pepper, etc.), making it easy to earn points.
- The annual fee is free, so even beginners can carry it without worry.
- There are many options for redeeming points, so you won't have trouble finding a use for them.
Check the official website for the latest point reward rates and conditions of partner stores.
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How to choose
Reward rate
How much you earn on everyday spending.
Annual fee
Free, conditionally free, or worth the perks.
Perks
Discounts, insurance, miles — fit your usage.
Some links are advertising (affiliate). Reward rates, fees and perks can change — verify the latest terms officially before applying.