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Using Credit Cards in Japan: A Guide to Money During Your Trip

Before international travel, many of us wonder if we can use credit cards and how much money we need to exchange. Here’s a guide on where credit cards can be used, how much money you should convert, and what to do when you run out of cash in Japan!

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Credit Cards in Japan - Things To Know Before You Travel!

One thing that may run through many peoples' minds before an international trip is this: " Will I be able to use my credit card ?” Credit cards can of course be used in Japan. However, the usage rate of credit cards here is low when compared to other developed nations and Western countries.

In Japan, there are many instances where credit cards can’t be used depending on the location. As such, we have created a guide on places where credit cards are able to be used and what to do when you run out of cash.

The information in the article applies to those using debit cards , as well.

Using Credit Cards in Japan

- Credit Card Usage in Japan - Where You Can and Can't Use Credit Cards in Japan - Major Cards Usable In Japan - How to Get Yen at ATMs in Japan - How to Get Yen at Currency Exchange Spots in Japan - How to Use a Debit Card in Japan

Rakuten Credit Card: How to Apply and Advantages

Credit Card Usage in Japan

Japan has a low credit card usage rate when compared to the West. According to a 2016 report, results revealed that 84% percent of people in Japan own credit cards, and the use of electronic money, including credit cards and IC cards (rechargeable cards), is 66% (JCB, General Credit Card Study in 2016 , reported in Japanese).

In this way, Japan is still a firmly rooted cash-based society with many people who pay by cash despite having a credit card. There are several stores where credit cards can be used in major cities and tourist areas such as Tokyo and Osaka . However, individual-owned stores in the suburbs and countryside, and places with entrance fees such as Shinto shrines, Buddhist temples, and castles are cash only .

Though credit cards have become commonplace, it is safer to bring cash along with your credit cards when traveling in Japan .

Where You Can and Can't Use Credit Cards in Japan

You may run into situations when you find you can’t use your credit card when you try paying with one. This section introduces places where credit cards can be used.

Pay Attention to Buses and Private Taxi (Transportation)

Trains Normal ticket machines at JR train stations, depending on the machine, will be cash only for purchasing a ticket or recharging your IC card .

If you want to use your credit card, please visit the JR Ticket Office or go to a ticket machine that accepts credit cards.

However, not all train stations will have JR Ticket Offices. These offices will often be found in relatively large stations. In Tokyo, they’re found in major stations such as Tokyo Station , Shinjuku Station , Ikebukuro Station , Shibuya Station , and Ueno Station . For details, please check this page (Japanese).

Shinkansen (Bullet Trains) Shinkansen tickets can be paid for with credit cards when purchasing passenger, special-express, or unreserved seat tickets . Of course, you can purchase your shinkansen tickets at ticket machines, as well as at the JR Ticket Office, or online. Please be careful as shinkansen ticket machines are different from train ticket machines.

Express Buses For express buses, choose a bus company at the destination you will be visiting and purchase a ticket. You can pay with a credit card with most bus companies . In addition to paying via credit card, you may also be able to pay at a convenience stores or at travel agencies partnered with reservation websites.

Transit Buses It is standard to pay by cash or IC card on transit buses. For sightseeing tour buses, you may be able to use your credit card when purchasing your tour bus package.

This does not mean that all tour buses can be paid with a credit card, so be sure to research whether or not this is possible beforehand.

Taxis In Japan, there are many taxis that do not accept credit cards. If it is a major taxi company you will be able to use a credit card or IC card, but many private taxis only accept cash .

When you want to use your credit card, check the back seat window before getting on as it will display whether or not credit cards are accepted. We recommend asking the driver directly whether or not they accept credit cards before you get into the vehicle.

For more information on taxis, please read the article “ How To Take A Taxi In Japan ”.

Chain Stores Accept Cards, but be Cautious at Privately-Run Businesses (Dining)

Department Stores Credit cards are accepted for food purchases and for other merchandise at most department stores. You should have no problems using your credit card at these stores.

Around Stations In the areas surrounding train stations you’ll be able to use your credit card at most restaurants, and especially at chain restaurants. Many storefronts will have a logo indicating whether or not cards are accepted , so look for this logo when entering.

Privately-Run Restaurants Many privately-run restaurants in metropolitan areas such as Tokyo and Osaka will accept credit cards. It is best to check for the credit card logo at the storefront when entering, or to confirm with an employee.

However, please be careful, as there may be some restaurants that will tell you “ you cannot use your credit card during lunch ,” even if they have a logo indicating they accept credit cards.

Souvenirs Credit cards are accepted at most souvenir shops located in tourist areas.

A logo indicating what payment methods are accepted will be displayed at storefronts. It is best to ask whether or not they accept credit cards before entering in the event that there is no logo.

Paying with Credit Card at Lodgings

Credit cards are accepted at almost all hotels, ryokan (Japanese inns), hostels, and guest houses. You will pay by card when making an advance reservation. There are also some lodging facilities that only accept cash, so it is best to confirm beforehand whether or not they are cash-only if they ask for onsite payment when making your reservation.

Major Cards Usable In Japan

Next, we’ll introduce the major credit cards you can use in Japan. First are VISA and MasterCard . These cards are widely accepted at stores where credit card payment is taken.

Next is Japan’s own credit card brand, JCB . Their shares fall behind when compared to VISA or MasterCard, but they are still a major brand in Japan.

There are stores that accept American Express and DinersClub cards, but it is not unusual for a store to not accept these cards. These cards can be used at most establishments selling high-end products.

There are also locations including sightseeing areas and department stores handling large sums of money that will accept cards such as UnionPay .

How to Get Yen at ATMs in Japan

You won’t be able to enjoy your trip if you are without cash and a credit card. By using your card at ATMs marked with the PLUS logo , you can easily utilize an overseas cashing service.

For information on financial institutions that use PLUS in Japan, please read Where You Can Find ATM Available With International Brand Credit .

Aside from PLUS ATM machines, you will also be able to withdraw cash at most ATMs with VISA or MasterCard logos.

Get Yen at Currency City Exchange Spots

For those thinking, “I don’t have enough Japanese yen, but I have my home currency!," you’ll be able to exchange that cash at foreign currency exchange spots. The conversion rates and handling fees will differ at each currency exchange spot.

Need Japanese Yen? Six Ways to Get Cash in Japan

Can I use my Debit Card in Japan?

Debit cards, a card that charges money from your bank account at the time of purchase, can be used for shopping wherever credit cards are accepted but will have some exceptions.

Use a debit card in Japan in the same way as you would a credit card.

What credit card is used most in Japan?

In Japan, various types of credit cards are used, ranging from those issued by major international brands like Visa, Mastercard, and JCB (Japan Credit Bureau) to local options provided by Japanese banks and companies. Each type of credit card comes with its own set of benefits, rewards, and acceptance rates. The credit card that was frequently used and preferred by many in Japan was the Rakuten Card. Rakuten, a major Japanese e-commerce company, issues this card, which has gained significant popularity among consumers for its rewards program and various benefits.

Can foreigners get a credit card in Japan?

Foreigners residing in Japan can typically apply for credit cards, with requirements including a valid residency status, proof of income, and possibly a credit history. Necessary documents may include a residence card and proof of income. Understanding the application process, language barriers, and individual card issuer criteria is essential for foreigners seeking a credit card in Japan. For details on how to get a credit card in Japan, please check this MATCHA article .

Which credit card is best for spending in Japan?

When choosing a credit card for spending in Japan, consider options like Visa, Mastercard, JCB for wide acceptance, travel rewards cards for perks, and prepaid travel cards for convenience. Local Japanese bank cards can also be useful. Look for cards with no foreign transaction fees and research benefits, fees, and rewards programs to make an informed choice.

Is credit card common in Japan?

Credit cards are commonly used in Japan, especially in urban areas and among younger demographics. While cash has traditionally been the primary form of payment in Japan, the adoption of credit cards has been increasing steadily in recent years.   Major international credit card brands like Visa, Mastercard, and JCB (Japan Credit Bureau) are widely accepted in Japan, making it convenient for both locals and tourists to use credit cards for transactions at various establishments such as shops, restaurants, hotels, and transportation services. Approximately 30.4 percent of consumer spending in Japan is facilitated through credit card payments.

Can I withdraw money from credit card Japan?

Yes, it is possible to withdraw cash from a credit card in Japan; however, this process is typically known as a "cash advance." With a cash advance, you can use your credit card at an ATM to withdraw cash, similar to how you might use a debit card.   It is important to note that cash advances from credit cards usually come with high fees and interest rates compared to standard purchases. It is generally recommended to use this option only in emergencies or when other forms of payment are not available, as the costs associated with cash advances can be significant.   Before opting for a cash advance from your credit card in Japan, be sure to check with your card issuer to understand the fees, interest rates, and any other terms and conditions that may apply to such transactions.

Does 7 Eleven Japan take credit card?

Yes, 7-Eleven stores in Japan commonly accept credit cards for payment. Major international credit card brands like Visa, Mastercard, and JCB are typically accepted at 7-Eleven locations throughout Japan.   Using a credit card at 7-Eleven stores in Japan allows for convenient and secure transactions, especially for travelers or individuals who prefer using cards instead of cash. However, it's always a good idea to have some cash on hand as well, as not all small establishments or rural areas may accept credit cards.

Getting A Credit Card In Japan: Guide And Foreigner-Friendly Suggestions

旅行が趣味の22歳です。日本の魅力をお届けします。

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Best credit cards for japan travel [2024]: enhance your trip.

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

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For stress-free earning and valuable rewards to help cover a Japan trip, we recommend a card with a simple rewards rate like the Wells Fargo Autograph℠ Card or Capital One Venture Rewards Credit Card.

If you want to take advantage of multiple perks and benefits to enhance your travel experience, consider the Chase Sapphire Preferred ® Card and The Platinum Card ® from American Express.

Let’s explore the best credit cards for Japan travel to see which one is the best fit for you.

Key takeaways

The 7 best credit cards for japan travel, compare the best credit cards for japan travel, how to choose the best credit card for traveling in japan, best credit cards for japan travel: bottom line, methodology.

• The best travel credit card for Japan depends on your spending habits and travel preferences. We find that it’s hard to go wrong with a low-stress no-annual-fee card that earns valuable rewards. But cards with annual fees tend to have more benefits, which could include premium perks for traveling like airport lounge access.
• The Wells Fargo Autograph has a $0 annual fee and provides elevated rewards in multiple everyday categories. You can earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases.
• The Capital One Venture Rewards has a $95 annual fee and provides a no-hassle rewards rate for earning miles. You can earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.
• The Chase Sapphire Preferred has a $95 annual fee and makes it easy to get more value from your travel redemptions. Cardholders receive a 25% bonus for travel redemptions made through Chase Travel℠.
• The Platinum Card from American Express has a $ 695 annual fee and provides some of the most extensive airport lounge access available as well as loads of other premium travel benefits (select benefits require enrollment).

Wells Fargo Autograph℠ Card

Bilt mastercard ®, bank of america ® travel rewards credit card, chase sapphire preferred ® card, capital one venture rewards credit card, citi premier ® card, the platinum card ® from american express.

• $0 annual fee
• No foreign transaction fees
• No premium travel benefits

The Wells Fargo Autograph is an excellent option for earning travel rewards on everyday purchases.

Why we like Wells Fargo Autograph

It has a $0 annual fee, and you can earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases.

This type of earning rate makes it easy to rack up points on purchases you were already planning on making, such as buying gas or eating out.

In addition, you don’t have to worry about paying foreign transaction fees in other countries. And you can take advantage of flexible redemption options. This may soon include transfers to travel partners, a feature that Wells Fargo stated that it plans to add in 2024.

What we don’t like about Wells Fargo Autograph

It doesn’t have any premium travel benefits, such as airport lounge access or an annual travel credit.

Read our Wells Fargo Autograph Card review for more details.

• Transfer partners
• Must use the card five times per statement period to earn points

The Bilt Mastercard makes it easy to earn rewards on rent and everyday purchases.

Why we like Bilt Mastercard

It has a $0 annual fee and you can earn 3X points on dining, 2X points on travel, up to 1X points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1X points on other purchases; must use the card 5 times each statement period to earn points.

The Bilt Mastercard is an amazing option for renters because it can help you earn rewards on rent without paying a transaction fee. You also don’t have to pay foreign transaction fees on applicable purchases.

Even better, you can transfer any points you earn to travel partners, including American Airlines AAdvantage and World of Hyatt. These are generally more unique transfer partners that can provide valuable redemption options for Japan travel.

For example, you can use AAdvantage miles to book one-way or roundtrip flights to Japan with Japan Airlines (JAL). And you can use Hyatt points to book award nights at Hyatt properties in multiple Japanese cities, including Tokyo, Kyoto, and Fukuoka.

What we don’t like about Bilt Mastercard

You won’t earn any points if you don’t use your card at least five times each statement period. Fortunately, any type of eligible transaction, even if it’s small, should count toward the five transactions.

Read our Bilt Mastercard review for more details.

• Simple rewards rate

The Bank of America Travel Rewards provides a simple way to earn travel rewards on all eligible purchases.

Why we like Bank of America Travel Rewards

It has a $0 annual fee, and you can earn 1.5 points per $1 spent on all purchases. With this type of rewards rate, you don’t have to worry about bonus categories. You can carry a single card in your wallet rather than multiple ones.

In addition, the Bank of America Travel Rewards doesn’t charge foreign transaction fees.

What we don’t like about Bank of America Travel Rewards

You can’t take advantage of premium travel benefits like airport lounge access or any type of travel-related credit.

Read our Bank of America Travel Rewards review for more details.

• 25% travel redemption bonus through Chase Travel℠
• Up to $50 in statement credits each anniversary year for hotel stays purchased through Chase Travel℠
• $95 annual fee

The Chase Sapphire Preferred provides loads of useful travel benefits for visiting Japan as well as other countries.

Why we like Chase Sapphire Preferred

With the Sapphire Preferred, you have no foreign transaction fees. You can earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

If you want to use points to travel to Japan, you can redeem them through Chase Travel℠ for a 25% bonus. That means 10,000 points would be worth $125 toward travel.

You can also transfer points to travel partner loyalty programs, including United MileagePlus, Singapore Airlines KrisFlyer, and Virgin Atlantic Flying Club.

As an added bonus, cardholders can enjoy up to $50 in statement credits each account anniversary for any hotel stays purchased through Chase Travel℠. That’s an easy way to quickly discount some of your lodging.

What we don’t like about Chase Sapphire Preferred

This credit card doesn’t have many downsides. But you have to pay a $95 annual fee as a cardmember.

Read our Chase Sapphire Preferred review for more details.

• Up to a $100 credit for Global Entry or TSA PreCheck® every four years

The Capital One Venture Rewards provides a super simple way to earn valuable travel rewards on eligible purchases.

Why we like Capital One Venture Rewards

The Venture Rewards has no foreign transaction fees and you can earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

This type of earning rate makes it easy to earn elevated rewards on all eligible purchases rather than relying on specific bonus categories.

In addition, the Venture Rewards provides these travel benefits.

• Up to a $100 credit for Global Entry or TSA PreCheck®
• Transfers to travel partners, such as British Airways, Choice Hotels, and Cathay Pacific (Asia Miles)
• Two complimentary visits per year to Capital One Lounges or Plaza Premium Lounges

What we don’t like about Capital One Venture Rewards

Cardholders have to pay a $95 annual fee.

Read our Capital One Venture Rewards Card review for more details.

• $100 off a single hotel stay of $500 or more through thankyou.com

The Citi Premier provides access to valuable transfer partners and elevated earning potential for everyday spending categories.

Why we like Citi Premier

You don’t have to pay foreign transaction fees, and you can earn 3X points at restaurants, supermarkets, gas stations, air travel and hotels; and 1X points on all other purchases. Not many cards offer that much earning potential on everyday purchases.

The Citi Premier also has a unique benefit of providing $100 off a single hotel stay of $500 or more (excluding taxes and fees) through thankyou.com once each calendar year. If you’re planning on staying at one hotel for a few nights or more in Japan, this benefit could come in handy.

You can redeem your points for travel at thankyou.com or transfer them to travel partners, including Cathay Pacific, Choice Privileges, and EVA Air.

What we don’t like about Citi Premier

You have to pay a $95 annual fee each year as a cardmember.

Read our Citi Premier Card review for more details.

• Loads of credits and travel benefits
• Complimentary access to over 1,400 airport lounges
• (Select benefits require enrollment)
• $ 695 annual fee (terms apply)

The Amex Platinum makes sense if you want a luxury travel card with premium benefits.

Why we like The Platinum Card from American Express

It doesn’t have foreign transaction fees. Additionally, you can earn 5X points per dollar spent on eligible airfare (on up to $500,000 per calendar year, after that 1X) and eligible hotel purchases, and 1X points per dollar on all other eligible purchases.

The Amex Platinum also provides plenty of travel benefits and perks. Some valuable benefits for travel to Japan include:

• Complimentary access to over 1,400 airport lounges, including Centurion and Priority Pass lounges.
• Up to $200 airline fee credit per calendar year.
• Up to $189 CLEAR Plus credit per calendar year.
• Up to $100 Global Entry credit every four years or up to $85 TSA PreCheck® credit every 4.5 years.

Keep in mind that select benefits require enrollment.

You can redeem your Amex Membership Rewards points for travel through amextravel.com or transfer your points to partners like ANA Mileage Club, Air Canada Aeroplan, and Delta SkyMiles.

What we don’t like about The Platinum Card from American Express

Cardholders pay a high $ 695 annual fee.

Read our American Express Platinum review for more details.

Consider these factors to help you find the best credit card for you if you want to travel to Japan.

The best travel credit cards have rewards programs that offer points or bonus miles for making eligible purchases. Many cards will also provide a welcome bonus or sign-up bonus that new card members can earn within a few months of account opening.

Cash back credit cards can also be used to help cover travel expenses, but they typically lack travel benefits.

Depending on your spending habits, you might want a card with a simple rewards rate or one that has bonus categories.

A simple rewards rate makes it easy to earn elevated rewards on all purchases, regardless of the category. A card with bonus categories provides additional rewards on specific types of purchases, such as gas, travel, or groceries.

2. Redemption options

If you want to travel to Japan, you likely want a card with travel redemption options. That could include:

• Travel portal redemptions: Redeem rewards with a travel portal for flights, hotel stays, rental cars, and experiences.
• Transfer partner redemptions: Transfer points to a hotel or airline travel partner where you plan to use points for a flight or hotel stay.

Cards with multiple travel-related redemption options are considered more flexible.

3. Perks and benefits

Travel benefits can come in all shapes and sizes, but here are a few to look for.

• Airport lounge access: If you’re going to Japan, there’s definitely an airport involved. Having airport lounge access can make all the difference in enhancing your airport experience.
• Trusted traveler membership credit: Being a TSA PreCheck®, Global Entry, or CLEAR Plus member is considered essential for frequent travelers. But these memberships can also make sense for occasional travelers who want to avoid some of the hassles of airport screening processes.
• Travel credit: Different travel cards have different types of travel credit. We prefer a credit that covers any eligible travel purchase because of the flexibility. But other types of credits can also easily be used.
• Travel insurance: Many card issuers work with different providers to offer credit card travel insurance. This could include trip delay reimbursement, lost luggage coverage, car rental insurance, and more.

4. Foreign transaction fees

Major credit cards are widely accepted in Japan, so be sure to carry a Visa or Mastercard (or both) in your wallet. As an added measure, make sure your credit card doesn’t charge foreign transaction fees.

Paying around 3% extra for every credit card transaction may seem small, but it can add up quickly as you make more purchases.

5. Annual fee

Credit cards with annual fees tend to have more benefits to justify the cost. So you have to determine whether you’ll get enough use from a card’s benefits to offset the annual fee.

If you don’t think you will, consider applying for a no-annual-fee credit card .

6. Credit requirements

You typically need a good or excellent credit score to qualify for top travel credit cards. But you’ll discover that most card issuers consider more factors beyond your credit score. These could include your total debt, annual income, past credit history, and more.

Is it easy to pay with a credit card in Japan?

Japan is a cash-heavy society, but major credit cards are still accepted in larger cities, stores, and restaurants. If you plan to travel off the beaten path or visit a smaller establishment, it makes sense to have some local currency on hand to make necessary purchases.

Can I withdraw cash from my credit card while traveling in Japan?

Yes, but it’s not a good idea because credit card companies typically charge cash advance fees for cash withdrawals. A better option is to use a debit card with no international ATM fees for a quick way to get some local cash.

Should I buy yen before going on a trip to Japan?

It’s not necessary to have yen before arriving in Japan, but it could make sense to purchase some beforehand if there’s a favorable exchange rate. However, major credit card networks like Visa and Mastercard are commonly accepted throughout the country. Just make sure you have a credit card with no foreign transaction fees .

We recommend different cards for Japan travel depending on your spending habits, travel preferences, and personal finance goals.

If you want cards with simple rewards rates, consider the Bank of America Travel Rewards and Capital One Venture Rewards. For cards with increased travel benefits, consider the Chase Sapphire Preferred and Amex Platinum cards.

For more of our top recommendations, compare credit cards to find the right card offer for you.

To identify the best credit card for Japan travel, we considered various credit cards based on their rewards, benefits, and perks for travel purchases or other related expenses abroad (including in Japan, of course).

We also considered factors such as foreign transaction fees, annual fees, and acceptance when using each card abroad. We selected a range of credit cards that cater to different needs and preferences, but keep in mind that our list doesn’t include all available options and isn’t ranked in any specific order. Our goal is to provide a variety of options that can help travelers to Japan research their options and find ways to earn rewards on their travel expenses.

Easy-to-Earn Unlimited Rewards

Card Details

Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases

• Earn 1.5 points per $1 spent on all purchases
• Longer intro APR on qualifying purchases and balance transfers
• Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
• 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
• Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
• Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
• 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
• If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
• Contactless Cards - The security of a chip card, with the convenience of a tap.
• This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

on Bank of America’s secure website

Intro Offer

Why we like it

The Bank of America ® Travel Rewards credit card is great for individuals who enjoy earning rewards and traveling.

Cardholders will enjoy the flexibility to redeem points with no blackout dates and receive a statement credit to pay for travel and dining purchases.

Earn 1.5X points on all purchases everywhere, every time.

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Updated April 26, 2024

Japan Dev Team

Japan Dev contributor

Are you planning to settle down in Japan? (Maybe you just found a great new tech job on Japan Dev ?) If so, you’ve probably wondered what the best credit cards in Japan for foreigners are. 

After all, you’ll have to build a life from scratch, and planning all of your expenses down to a tee isn’t easy. There might — and will — be hidden costs and unplanned expenses along the way, and you want to be ready for all of it.

Besides, not everything goes according to plan. You need a safety net to fall back on when things go sideways, and having a credit card can give you the financial security you need while you get things under control. 

As you’ll have lots of expenses in the first few months of moving to Japan, it’s essential to get a credit card with good interest rates and payment installment options. 

This is why today I’ll talk about what the best credit cards in Japan for foreigners are. I’ll also explain everything you need to know about the credit card system in Japan and the things you’ll need to apply.

Let’s dive right in.

In this article: 📝

What You Need to Get a Credit Card in Japan

Tips for applying for a credit card in japan, how does my visa affect my credit card application, typical limits on japanese credit cards: some useful terminology, easiest credit cards to get in japan for foreigners, rakuten card, saison card, amazon card.

Starting with the basics, let’s take a look at what documents you’ll need to present for a credit card application in Japan. Keep in mind that these requirements may differ from company to company. The documents I’m listing here are what you’ll most likely be asked to present.

I’ll list some other documents that might help your application, but let’s first start with the basics. To get a credit card from any company in Japan, you’ll need to have:

A Japanese bank account,

A valid visa that’s (not a tourist one),

Your personal inkan (the official seal that you used to open your bank account),

Your certificate of employment, and

Proof of address (rental contract or a gas/electricity bill that’s in your name).

While most of these requirements are pretty clear, if you’re not familiar with Japanese bureaucracy, you might be confused about what an “inkan” is. As I mentioned in my post on starting a business in Japan , you’ll need a seal to do pretty much anything official in Japan. You can think of it as a replacement for your signature.

Additionally, if you’ve already been living in Japan for at least a year, you’ll need to present a certificate that shows that you have no unpaid income taxes as well. 

Also, fulfilling one or more of these conditions can help strengthen your application even further:

Being married to a Japanese citizen/resident and having a spouse visa,

Having a driver’s license or ID card that’s issued by the Japanese government,

Having applied for financing and paying it all back to build a good credit score,

Living in Japan for a long time prior to the application,

Being employed at a full-time job as opposed to being a freelancer or a business owner, and

Not having any previously failed credit card applications.

In theory, the requirements I mentioned above alone should be sufficient to get yourself a Japanese credit card. However, there are some tips and tricks you can utilize to make sure that your process goes as smoothly as possible.

For starters, having as many documents as possible that will help you prove your identity is a great way to avoid any unnecessary rejections. Having multiple ID cards, such as an insurance card, a residence card, or a driver’s license that you obtained in Japan, is the ideal way to go here.

Also, if you’re considering applying online, make sure to check if there’s a way to do it in person. For some companies, getting a printout and applying in person may be preferable and can make your screening process go much faster and smoother.  This is especially true if you have a middle name or other issues that might not fit cleanly into online forms.

Another thing to be careful of when filling out your application is to w rite your name exactly as it appears on your Japanese ID . Make sure that you’ve included any official middle names you may not normally use, and refrain from using abbreviations or nicknames. Otherwise, your card will not be delivered to you.

Lastly, when it comes to credit card applications, speaking Japanese is a bigger plus than you’d think. If you can prove that you speak and understand Japanese, your screening process will be faster, as the company will be convinced that you understand the terms and conditions.

If you don’t speak Japanese yet, you can at least familiarize yourself with some basic Japanese phrases or start building a solid foundation by signing up for a Japanese class. I covered the best Japanese schools in Japan in another article, which I think will be helpful.

As a foreigner in Japan, your visa status is one of the most significant deciding factors for your credit card application. 

First of all, as I mentioned, you can’t apply for a credit card if you’re on a tourist visa , which is usually for 3 months or shorter. As a general rule, the longer your visa is, the better your chances will be of getting approved for a credit card. 

However, applying for the card while you still have a long time left on your visa is the best way to go. It’s true that the longer you’ve been in Japan, the higher your chances will be, but if your visa is expiring soon, it’s likely that your application will be declined.

If you’re not clear on the visa situation, you can check out my post on getting an engineering visa in Japan , where I talk about the visa types in Japan extensively.

If you’re from the United States, you’ll realize that the limits on Japanese credit cards are lower than usual. A normal limit for a credit card is usually around 100,000 JPY, which is around 800 USD at the time of writing. 

While this may be enough for your regular living expenses, I’ll admit that it isn’t much if you’re planning on buying lots of furniture or if you have a regular shopping habit. In any case, at first, I recommend treating your credit card as a debit card, as the amount you owe will be automatically taken out of your bank account.

However, this doesn’t have to be the case. Typically, on the 10th of the month following the one you’ve taken credit for, you pay what’s due in full, and no interest is charged if you’ve paid on time. However, there are other options you can utilize as well.

Paying in Installments (Bunkatsu Barai)

If you’re making a big purchase, you can choose to pay in installments, which is called “Bunkatsu Barai.” 

How it works is that you pick the option to split the payment into installments when you’re paying at a store (they’ll ask you if you want to pay “ikkai,” which means “one time”) or checking out at an online store.

This option might not always be present as the amount needs to be somewhat significant, which changes from company to company, but it’s usually a reasonable amount. Let’s just say that you probably won’t be able to split a tiny purchase of 500 JPY, which wouldn’t make sense anyway because when you split a payment, interest rates come into play.

Speaking of which, the most important thing you need to know about installments is the interest rates that apply. While you can choose to split a purchase into up to 36 installments, the interest rates will be higher the more installments you pick. 

Interest rates in Japan can go up to anywhere between 12% to 16%, which can get a bit too pricey, so try to be mindful of this when selecting a credit card.

Revolving Payments (Ribo Barai)

Another option you have in Japan that shouldn’t be confused with paying in installments (Bunkatsu Barai) is the concept of “revolving credit,” or “Ribo Barai.”

If you’re from the United States, you’re probably familiar with this concept. Basically, with ribo barai, your balance carries over to the following months. Essentially, the credit card company takes all the amount due for a month and splits it into installments while adding a financing fee on top of each installment. 

This means that each month, you pay a part of the financing fee along with the installment itself until the total amount due is completely paid off. The installments are done when they are done, as opposed to Bunkatsu Barai, where you pick the number of installments.

Revolving payments can make planning your finances harder, so it’s generally recommended to go for bunkatsu barai when possible.

Now that we’ve covered all the basics of Japan’s credit card system, let’s take a look at some of the easiest credit cards to get in Japan. These are also your best options because you’ll pay little to no amount of fees while getting the most benefits in the form of rewards systems and special discounts.

Probably the best option on this list for most foreigners, Rakuten Card is a credit card issued by the e-commerce giant Rakuten, also known as the “Amazon of Japan.”

Rakuten Card has no annual fees, and there are a variety of options to choose from, each with its own perks. For instance, some plans offer special perks to students, while some have travel perks such as earning extra miles or free travel insurance.

Another benefit of Rakuten is that if you shop within the Rakuten Group companies (which is very likely), you get some extra benefits, such as earning spendable points. You earn 1 point for every 100 JPY spent, which can be used to purchase items at Rakuten Group companies or at other affiliated stores.

Moreover, Rakuten is one of the easiest credit cards in Japan you can get, as you can apply for one as soon as you enter the country (on a visa that’s not a tourist one, of course).

Saison Card is similar to Rakuten in that it doesn’t have any annual or monthly fees either. 

Another similarity between the two cards is the points system. While you don’t earn as many points with the Saison Card, your points never expire, so you can wait for them to add up for however long you want. 

Also, you’ll be able to spend your points on a wide variety of items like groceries, electronics, and clothes. Additionally, the card issues a 5% discount on the first and third Saturdays of every month at selected supermarkets.

However, keep in mind that the application process for the Saison Card isn’t as easy as Rakuten’s. You won’t be able to apply right away, as you need an ID card issued by Japan (a resident card is also fine). In addition, you need a personalized stamp (inkan) to apply.

Issued by the department store Marui, the EPOS card functions like any normal credit card with additional perks you can enjoy at Marui stores .

You can choose to apply online as well as in-store at any Marui location. The process is easy and fast — you can get your application approved the same day. I recommend applying in-store as you get additional benefits like special discounts and points as a reward.

EPOS doesn’t have any regular fees, and you can even use it at ATMs to withdraw cash for free. There’s a great point system as well. You get 1 point for every 200 JPY spent, which is pretty decent.

EPOS is a Visa card, which means that you’ll get those benefits as well.

Powered by Mastercard and JCB, Orico Card is one of the most popular credit cards in Japan, with 11 million users. The card is issued by Orico, a financing company that issues loans.

Orico’s “The Point Card” is their most popular credit card plan, which has no annual or monthly fees. The card offers perks like earning increased points during the initial months, as well as when you shop at any Orico department store. 

The point system of Orico is pretty great, and it’s comparable to Rakuten, as you earn 1 point for every 100 JPY spent. 

If you have a car, you can get an ETC (electronic toll collection) card alongside The Point card, which is pretty neat.

Do note though, as of writing, Orico's customer support services are available exclusively in Japanese.

Amazon’s Mastercard-powered credit card is issued by the multinational Mitsui Sumitomo Banking Corporation, which is one of the biggest banking and financing companies in Japan.

This one is especially great if you’re a frequent Amazon shopper (who isn’t?) because you’ll earn extra points for the purchases you make from Amazon.co.jp . 

The best way to make use of the rewards system of Amazon’s Mastercard is to become an Amazon Prime member, which you probably are if you frequently shop at Amazon. 

Amazon Prime members get a different credit card called Amazon Prime Mastercard, which comes with more perks like the ability to earn points from purchases made at konbinis. You’ll also earn more points from your Amazon purchases.

The application is easy, and you can do it online directly through the Amazon website. Additionally, there are no annual fees for both cards, so you only pay as much as you spend.

Last but definitely not least, JCB Card is one of the best credit cards you can get in Japan as a foreigner. The card is issued by JCB, a Japanese payment company that provides payment systems to both Japanese and international companies. 

You might see JCB branding on various companies’ credit cards. This is because JCB is a payment provider just like Visa or Mastercard, but they have their own credit cards as well.

JCB Card even has a point-based rewards system called “Oki Doki,” and you can earn extra points by shopping on Amazon, as well as some other stores like 7-Eleven. You earn 1 point for every 1,000 JPY spent, and you can start redeeming your points once you hit the 200 points mark.

One of the only downsides of the JCB Card is that since it’s by a Japanese provider, your card won’t be as universally accepted as a Visa or a Mastercard when you’re abroad. 

Another point to consider is that you’ll need to pay an annual fee of 1,375 JPY after your first year. However, this fee can be waived if you spend more than 500,000 JPY on your JCB Card.

This post was written by our Japan Dev editorial team.

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How to get a credit card in japan: an expat guide.

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Getting a credit card is part of normal adult life, and while applications can be difficult regardless of country, getting a credit card for foreigners in Japan can be more involved. The detailed requirements, documents, checks, and seemingly endless applications can make the entire process seem daunting and overwhelming. This guide will provide a simplified and easy-to-understand version of standard requirements, the application processes, and companies that provide English language services.

Japanese Credit Cards for Foreginers: General Application Requirements

Firstly, it is important to be aware of the necessary requirements when applying for a Japanese credit card as a foreigner. While you may already know these requirements for your home country, there are sometimes differences between countries and so it is best to be up-to-date on Japanese procedures.

In terms of documents, the requirements are fairly standard. A brief list of things you will need for your application are the following:

・Passport ・Resident card ・ATM/debit card ・Health insurance card ・Another form of ID (usually a utility bill with your name on it) ・Certificate of employment (not all places require this) - If you apply online there will be further requirements regarding things like your employment status, the size of your company, and other general life questions.

These are just the basics of completing the application. Each bank or company has a range of eligibility criteria that you will have to meet. These are not always specified on the home page, so it can be difficult to judge whether you meet these criteria before actually applying, but here are some more details on the general requirements and considerations.

Visa/Resident Status

This involves how long you have been in Japan, whether you have PR status, and if not, what type of visa you have and how long you have left on your current visa.

Employment Status

This will involve whether or not you are full-time or part-time, what what type of contract you have, how long you have worked at your current company, how stable that position is along with how high your salary is.

Personal Information

Some aspects of your personal life can also have an impact on your eligibility, such as Japanese fluency (even if applying in English), and having a long-term Japanese partner or spouse.

Credit Information

Your credit history from your home company isn’t relevant here as Japan has its own databases, but if you have any previous credit card debt or issues in Japan, this can impact your current application. Having multiple applications in a short amount of time for different companies can also appear negative.

Of course, not every aspect on this list will be taken into account at every bank or financial institution, and different aspects carry different weights when it comes to approving or rejecting applications. However, these are examples of considerations that many banks or institutions will make when deciding whether to approve your credit card application.

Foreigner-Friendly Companies with English Support

Applying for a credit card can be difficult in Japan for a foreigner, especially as different companies have different levels of acceptance for foreign applicants. The following companies are known for either having good acceptance rates for foreigners or English support available. For those without English support, Google Chrome translate extensions or applying in person are options for getting around or reducing the language barrier.

Epos is one of the major credit card companies in Japan and is managed by the Marui group, which also owns the Marui department stores. This company is also known for having high acceptance rates for foreigners. They also have automatic overseas travel insurance. Although the website is in Japanese, it is possible to apply through Marui department stores, many of which have English-speaking staff.　GTN, a company providing housing services for foreigners also has a partnered credit card with Epos, which offers online English support for applications. However, for this version, you must already be using another of GTN’s services.

http://plazahomesepos.gtnm.jp/

Key Features:

・English support ・High acceptance rate ・Overseas travel insurance

Another option for credit cards in Japan is deposit-based credit cards. These involve putting down a deposit first, which is then used up as you use the credit card. While this is different from a regular credit card, it can be easier to be approved for as there is less risk for the company. These cards can be beneficial for building up a credit history as well as payments. J-trust is a company offering deposit-based credit cards and is well-known for accepting foreign applicants. They offer online applications in English and the entire process has English support available.

https://mydeposit.jtrustcard.co.jp/

・High rate of acceptance for foreigners ・English support is available, including online ・Easy application process

All the banks offer in-house credit cards as well which can be linked to your account with them. That being said, they often have the strictest criteria when it comes to eligibility.

Rakuten is one of the major financial institutions in Japan and is well-known among the expat community for having a high acceptance rate for foreigners. They do usually require applicants to have a full-time job and work visa, but if these two conditions are met, it is common to be approved without too much difficulty.

・High acceptance rate ・Good points system ・Overseas travel insurance ・Customer call center has English-speaking representatives

Credit Card Applications Don’t Have to Be Stressful

While not absolutely essential in Japan, credit cards make many aspects of life easier and more convenient. Automatic payments for services, building a credit history, and general payments are all more accessible with a credit card.

The requirements and application process can be difficult and daunting, but with our guide and handy list of companies that are easier for English speakers to work with, you can apply for a credit card with a lot less stress and worry.

Having a credit card also gives you access to a wealth of cashless apps. For more information on these and e-money in Japan, see our previous article here , as well as our various other articles about the financials of living in Japan.

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Best Credit Cards in Japan for Foreigners

Planning on moving to Japan or need to stay much longer than expected? We know one of your top dilemmas is purchasing goods or services without dealing with the dreadful foreign transaction fees. And we also know that getting one of the best credit cards in Japan isn’t easy.

It’s harder to obtain a credit card here compared to many other countries because of stricter regulations. This is especially true for expats who have been in Japan for only two years or less.

Of course, cash is always an option but wouldn’t you want something more hassle-free? To help you out with just that, we’ve compiled the most foreigner-friendly credit cards in the country.

EPOS credit cards: EPOS Card Japan

If you’re residing in an area where Marui shops are common, then the EPOS credit card may be just for you. Attached to the brand department store, you can also use EPOS anywhere just like a normal credit card. EPOS makes it to our list of best credit cards in Japan because you can easily apply for one at any Marui department store.

Anyone who has tried to rent an apartment in Japan will know that most places require a guarantor. If your guarantor is GTN (Global Trust Network), then you’re in luck! Those under GTM are eligible to apply for their special GTN EPOS card , which has the same benefits as the Marui EPOS card. They also have a special hotline to call for service in English.

Rakuten’s most popular card: Rakuten Card Japan

Known as the “Japanese Amazon”, Rakuten is a shopping website. Their credit card has a great points system that you can use to purchase from the site as well as other affiliated stores, like Domino’s Pizza. Not only do they offer big rewards but there’s also no annual fee for the regular card.

The online application may not be in English but you can always rely on Google Translate. You could try to apply as soon as you arrive in the country since you won’t need to file tedious mounds of paperwork. Overall, Rakuten has a convenient application process, making it the easiest credit card to get in Japan.

Saison Card International: Saison Card Japan

Saison is one of Japan’s leading card companies with a decent point system. Although the reward percentage is a bit lower than Rakuten, you can still enjoy the points to redeem expensive gifts and some of Japan’s top airline miles. You’ll also love the fact that this credit card has no annual membership fee!

Applying for a Saison Card International requires an ID and hanko (personal carved stamp), but you’ll still find it trouble-free as you can do it directly at a lot of department stores in Tokyo.

Orico Japan: THE POINT

You know Orico is among the best credit cards in Japan because it’s been issued about 11 million times. People are particularly fond of Orico Card THE POINT, which has no annual fee and offers good rewards.

This could be a great option for you if you choose to drive in Japan as you can get extras like an ETC (Electronic Toll Collection) card.

JCB credit cards: JCB Global

JCB is a Japanese payment brand that operates both in Japan and internationally. You can get exciting rewards from special promotions or when using the card in affiliated stores, such as Seven-11 or Amazon.co.jp. What’s more, there’s fraud detection 24 hours a day, so you don’t have to worry about security.

JCB credit cards are available in other banks and card providers, in addition to the ones the brand promotes itself.

Amazon & Amazon Prime Mastercard

Amazon Mastercard and Amazon Prime Mastercard – issued in partnership with Mitsui Sumitomo Bank.

Issued in partnership with Mitsui Sumitomo Bank, this is the best card for frequent Amazon shoppers. There are two options – The Amazon Mastercard and The Amazon Prime Mastercard. If you are a Prime member at the time of application, you will receive the Prime Mastercard; if you are not, you will receive the Classic.

The Prime card offers a great points program with 2.0% Amazon points for purchases made on Amazon, 1.5% for purchases made at a conbini, and 1.0% for any other shopping. For the Classic, you’ll just get 1.5% on purchases made with Amazon, so go for the Prime if you want to maximize your point returns. Both cards have no annual fees and you can apply directly from your Amazon account (application in Japanese).

Not ready for a credit card, yet?

Multi-currency card: Wise

Wise is known for its hassle-free money transfers . And if you’re someone who receives or sends money in multiple currencies, they might have just the perfect solution for you: the multi-currency card .

You can hold, receive, send and spend money using a Wise multi-currency account—with more than 50 currencies available! A multi-currency debit card allows you to spend your money wherever you are with low conversion fees and zero transaction fees.

Security? Wise is regulated by the Kanto Local Finance Bureau in Japan and a number of authorities around the world so you know your money is protected at all times.

Keep in mind that the best credit card depends a lot on your personal preferences and how you expect to use the card. If all else fails, you can always count on Paypay —the best alternative to getting a Japanese credit card .

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The 6 Best Travel Cards for Japan in 2024

If you’re traveling to Japan, a travel money card can make spending and withdrawing cash when you’re away cheaper and more convenient. Different types of travel money cards, including travel debit cards, prepaid travel cards and travel credit cards, are available to support different customer needs. The right one for you will depend on your personal preference and how you like to manage your money. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose. 

Wise – good value debit card for Japan

Before we get into details about different travel money card options, let’s start with the Wise card as a good all-round option that allows you to hold and spend Japanese yen, as well as a diverse range of other world currencies.

Wise accounts can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in USD and switch to JPY before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.43%. Plus you can get local account details for up to 10 currencies (including USD, but not including JPY) - to get paid easily to your Wise account . 

Here are some of the advantages and disadvantages of using the Wise travel money debit card , to help you decide if it's suitable for you.

Learn more: How to use Wise card in Japan

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals, just like your regular bank card can be. However, with a travel money card you’ll find the features and fees have been optimized for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for Japan compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for Japan line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

1. Travel Debit Cards for Japan

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for Japan. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

• No fee to open a Wise account , no minimum balance requirement
• 9 USD one time fee to get your Wise card
• 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
• Hold JPY and 40+ other currencies, convert between them with the mid-market rate
• Get local account details to receive USD and 9 other currencies

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from no-fee Standard plans to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including JPY, and convert currencies with the mid-market rate to your plan’s allowance. 

• No fee to open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
• Card delivery fees may apply depending on your account tier
• All accounts have some no-fee applied currency conversion with 0.5% fair usage fees after that
• Standard plan holders can withdraw 400 USD overseas per month without paying fees
• Hold JPY and around 25 other currencies

Pros and cons of using debit travel cards in Japan

How to choose the best travel debit card for japan.

The best travel debit card for Japan really depends on your personal preferences and how you like to manage your money. If you’ll be traveling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as CAD, like Wise . Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of no fee transactions and extra perks.

Is there a spending limit with a travel debit card in Japan?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for Japan

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

• Get a card for free by ordering online
• Top up in a range of ways in USD
• No foreign transaction fee when spending overseas
• ATM withdrawal fees of 2.5 USD or the equivalent when overseas
• American Express cards are not always accepted internationally - check coverage before you travel
• No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

• No annual card fee, although interest charges and late payment fees do apply
• No foreign transaction fees for spending overseas
• ATM withdrawal fees may apply including a 10 USD cash advance fee
• Earn cashback on spending and build credit as you do so
• Discover network is not always internationally supported - check your destination before you travel

Pros and cons of using prepaid travel cards in Japan

How to choose the best travel prepaid card for japan.

There’s no single best travel prepaid card for Japan - it’ll come down to your personal preference. If you’re looking specifically for a prepaid debit card you can use in Japan with no foreign transaction fee, try the Bluebird card option. However, if a credit card suits you, the Discover it Secured can be a strong pick thanks to the cash back options available.  

Is there a spending limit with a prepaid card in Japan?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

Related: How to buy Japanese Yen in the US

3. Travel Credit Cards for Japan

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

• No foreign transaction fee
• Earn travel rewards on spending 
• Get extras like lounge access and free travel insurance
• International spending uses the network exchange rate 
• Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

• Variable interest rates and a 95 USD annual fee
• Check your eligibility and order a card online easily
• Network exchange rates apply

Pros and cons of using credit cards in Japan

How to choose the best travel credit card for japan.

The best travel credit card for Japan will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, a travel rewards card like the Chase Sapphire Preferred could be a good bet as it has no foreign transaction fee and offers rewards on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

Which cards are accepted in Japan?

It’s important to know that you may find that different card networks are more popular in one country than they may be in another. For example, while Visa and Mastercard are pretty widely accepted globally, other popular US card networks, like American Express and Discover cards are less likely to be accepted in some countries and regions. In most cases it’s best to carry more than one means of payment when you travel - for example a credit card and a specialist travel money card which has been issued on a different network - so that you always have a plan B if your preferred payment method isn’t available.

If you're a frequent traveller, you can also check out our other travel money guides:

• Best travel cards for Italy
• Best travel cards for US
• Best travel cards for France
• Best travel cards for Japan
• Best travel cards for Brazil
• Best travel cards for Turkey

Conclusion: Which travel money card is best for Japan?

If you’ve planned travel to Japan you might want to pick a travel money card for JPY spending. Travel money cards have different features, and can be picked up via regular banks or online specialists. 

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card . Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to Wise Go to Revolut

FAQs - Best travel cards for Japan 2024

1. Which card is best to use in Japan?

There’s no single best card to use in Japan. Which is right for you will depend on your preferences and the features you want to access. Having a multi-currency account from a provider like Wise or Revolut can be a good bet as you’ll be able to hold and exchange JPY alongside dozens of other major currencies for convenience.

2. What is the best way to pay when traveling in Japan?

Spending with your card is convenient when traveling in Japan, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get Canadian dollars in advance so you have some cash on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in Japan?

You can usually make cash withdrawals with a credit card in Japan at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in JPY.

4. Can I use a US card in Japan?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in Japan, making these good options to look out for when you pick your travel debit card for Japan.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

The Best Credit Cards to Use When Traveling to Japan

You can’t go wrong visiting Japan. It offers a rich cultural tradition to explore, including incredible food, remarkable architecture, and fascinating history.

In addition, it’s probably the cleanest place I’ve ever been to and everyone I met was thrilled to meet Americans.

I went to Japan for the first time two years ago, and I would have gone sooner if it wasn’t for this small matter of the Pacific Ocean.

Since the United States is separated by Japan by the largest ocean in the world, you can expect a long and expensive flight there.

But fortunately, you can use the right credit card to earn points and miles for a free trip.

Best Credit Cards for Earning Free Travel to Japan

The following are the most recommended choices for people who want a travel credit card that can help pay for (or at least cut the cost) of vacation in Japan:

Chase Sapphire Reserve

The often comes with an attractive welcome bonus with plenty of ways to earn points, especially if you travel and dine out frequently.

Points are earned in the Chase Ultimate Rewards program , which allows you to transfer points to miles with seven different airline partners, and points with four different hotel programs.

There’s a $550 annual fee for this card along with no foreign transaction fees. Thanks to the $300 annual travel statement credit, it's more like $150 per year.

For example, you can transfer your points to United , which offers round-trip awards to Japan on United or it’s partner ANA for 70,000 miles in economy and 130,000 miles in business.

United is part of the Star Alliance, which means that you can redeem your miles for flights for a trip to Japan on other carriers like Air Canada, Asiana, or Singapore.

You could also transfer the points to the Flying Blue program, which is the one for Air France and KLM. Flying Blue also partners with Delta and offers round-trip economy awards to Japan are 80,000 miles.

Another option is the British Airways program , which is partnered with JAL and American.

This is a distance-based program, so the price you pay for an award will depend on how far you are flying, but it can provide great value.

In addition, you can find excellent value redeeming these points for flights on JAL that are 650 miles or less, which are only 4,500 miles each way.

Finally, you can transfer your Ultimate Rewards points to Hyatt, which has some great properties in Japan. For example, the Park Hyatt in Tokyo is known as the hotel where Lost in Translation was filmed.

Read Chase Sapphire Reserve Editor's Review

Citi / AAdvantage Platinum Select World Elite MasterCard

American and it’s partner JAL offer plenty of service to Japan, and American’s award chart is reasonable.

offers a sign-up bonus to new customers. You earn double miles on all American Airlines flights and one mile per dollar spent elsewhere.

Other benefits include a free checked bag and discounts on in-flight food and beverages. This card has a $99 annual fee that’s waived the first year and there are no foreign transaction fees.

Award flights from the 48 contiguous states to Japan on American Airlines are 65,000 miles round-trip in economy class off-peak, and 70,000 miles peak. For 125,000 miles round-trip, you can even fly there in business class.

Read Citi / AAdvantage Platinum Select World Elite Card Editor's Review

Alaska Airlines Visa Signature Card

Alaska Airlines doesn’t fly to Japan, but it’s partnered with several airlines that do. This card offers a sign-up bonus after hitting a low spending requirement.

It also features 3x miles for all Alaska purchases, and one mile per dollar spent everywhere else.

Once you earn your miles, you can redeem them to fly to Japan with several of their partners.

Round-trip, economy class awards to Japan on American Airlines are 50,000 miles off-peak and 65,000 miles during peak times. Business class is just 100,000 miles round-trip.

Another option is Cathay Pacific flights, which are only 60,000 miles round-trip in economy class, and just 70,000 miles in their premium economy, which is kind of like a domestic first class seat.

And for only 100,000 miles, you can fly there in Cathay’s renowned business class. Plus, Alaska awards can have a free stopover, so you can visit Hong Kong on the way.

You could consider also consider Japan Airlines (JAL), which would be 70,000 in economy class or 120,000 miles in business class.

There’s a $75 annual fee for this card but it doesn't charge foreign transaction fees.

Amex EveryDay Preferred

This card offers a great way to earn Membership Rewards points, which can be transferred to miles with 17 different airlines.

But what’s exceptional about this card is that it features 3x points at U.S. supermarkets (on up to $6,000 spent each calendar year), 2x points at U.S. gas stations, and 1x elsewhere.

In addition, you also get a 50% points bonus each billing period that you make 30 or more transactions, which allows you to earn 4.5x, 3x and 1.5x respectively.

One way to use these points for an award flight to Japan is to transfer them to ANA, Air Canada, or Flying Blue (Air France/KLM).

There’s a $95 annual fee for this card, but it does have a 2.7% foreign transaction fees.

Credit Cards Tips for Japan

Cutting edge technology is an integral part of Japanese culture and society. Therefore, it’s surprising that many Japanese merchants don’t accept any credit cards at all.

But among those that do accept credit cards, Visa, MasterCard, and Discover are the most widely accepted.

In fact, the Discover card is accepted in Japan anywhere you see the Diners Club logo or the JCB Bank logo. American Express is also widely accepted.

Minimize card service fees

As with any trip outside of the United States, you’ll also want to use a credit card that has no foreign transaction fees.

The only card mentioned here that has foreign transaction fees is the Amex EveryDay Preferred, which imposes a 2.7% fee on all charges processed outside of the United States.

And since you’ll need some cash, remember to never use your credit card at an ATM, as it will likely be subject to large cash advance fees , and a very high cash advance interest rate.

In addition, interest will always be incurred on cash advances. Unlike new purchases, there is no grace period for these transactions.

Instead, you should take always have an ATM card with you to access cash. An ATM card that works in the United States will work at nearly any ATM machine in Japan.

You can also bring U.S. Dollars with you for exchange, but you are unlikely to receive as good of an exchange rate as you would with your debit card or credit card.

You are certain to have an amazing trip to Japan, especially if you are able to use points and miles to pay for your vacation.

By selecting the right credit card, and carefully using your rewards, your visit to the Land of The Rising Sun can actually be an affordable vacation.

More: MyBankTracker's Best Travel Credit Cards

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6 Best Travel Credit Cards to Use in Japan in 2024

Jarrod Suda

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Just five years ago, I would have described Japan as a predominantly cash-based society, where transactions at restaurants, train stations, and retail stores almost exclusively required cash. However, the landscape has evolved tremendously in recent years. Nowadays, most of your transactions from shopping to dining to taxis to purchasing Shinkansen tickets at the counter can be effortlessly completed using credit and debit cards.

Even wireless functionality for tap-to-pay with your digital wallet is becoming more common in Japan. In addition to convenience, this change allows you to accumulate points and miles with your preferred card. While American Express cards are sometimes accepted, we generally recommend Visa and Mastercard due to their almost universal acceptance across Japan.

Despite this shift toward digital payments, you still need to have a cash card on hand for ATMs withdrawals. You will inevitably need cash for local transport, temples, shrines, vending machines, and mom and pop shops. In this guide, we explore the six best cards to use in Japan for travel, including credit cards for spending and travel debit cards like Revolut and Wise for cash withdrawals.

Revolut and Wise offer multi-currency accounts, allowing you to convert your USD balances to JPY at the mid-market rate. I have had no issue with either card at Japanese ATMs; the ATMs recognize the cards as "local", thus avoiding any additional fees:

• Revolut : Withdraw $400/mo, then a 2% fee applies (for Standard tier members);
• Wise : Withdraw $100/mo, then a $1.50 charge plus 2% fee applies.

6 Best Travel Credit Cards for Japan in 2024

• 01. Revolut Standard Card — Cheapest way to get cash and lounge access scroll down
• 02. Wise Multi-Currency Card — Best prepaid travel debit card scroll down
• 03. Chase Sapphire Preferred® Card — Best for dining and travel points scroll down
• 04. Capital One Venture Rewards Credit Card — Best intro offer scroll down
• 05. American Express® Gold Card — Best way to transfer points to ANA scroll down
• 06. Sumitomo Mitsui Card Gold (NL) — Best for residents of Japan scroll down

The Best Credit Cards for Japan in 2024

Explore the best cards for travel spending in Japan this vacation season. In addition to a credit card without foreign transaction fees that earns points on purchases, you are also going to need a debit card to take out cash cheaply from ATMs.

Data quoted 8 March 2024

Revolut Travel Multi-Currency Debit Card

Revolut is the best option to take out cash cheaply in Japan, thanks to its favorable ATM withdrawal policy that allows for $400 worth of free withdrawals each month. By converting your USD ($) deposits to JPY (¥) prior to your transaction (which you can do in the mobile app), the ATMs will recognize your Revolut card as local, bypassing the need for dynamic currency conversion . In my own experience, ATMs at 7-11 in Japan have not even imposed the standard ¥220 service fee on me when I use my Revolut multi-currency card.

Moreover, Revolut offers the added luxury of lounge access not only across major Japanese airports like NRT, HND, KIX but also worldwide, at a cost of $37 per person. This one-off cost certainly beats the high annual membership fees charged by lounge-access credit cards. If you are a paid member of Revolut's higher tiers, you'll receive discounts on lounge access and get a suite of travel insurance benefits.

While the paid tiers offer higher allowances and more perks, this is what you'll get under Revolut's Standard plan:

• No monthly fee for the Standard Plan;
• $400 of fee-free ATM withdrawals per month, then a 2% fee;
• Airport lounge passes for $37 per person;
• Supports 35 currency balances including JPY;
• No FX fee for the first $1,000 exchanged monthly;
• Revolut's FX rate is industry-low, usually ~0.5% ( check live here ).

Learn more: Read our in-depth Revolut review or watch our video review .

• Trust & Credibility 8.9
• Service & Quality 7.9
• Fees & Exchange Rates 8.3
• Customer Satisfaction 9.4

Wise Multi-Currency Card

The Wise Multi-Currency Account is well-suited if you just need a small amount in cash in Japan, since Wise offers a $100 limit on fee-free withdrawals per month. Beyond this, withdrawals incur a $1.50 fee plus 2%.

If you are not going to take out cash, then card or digital wallet purchases with Wise are a great debit option because it applies the mid-market exchange rate on your purchases (Wise will instead charge an industry-low fee of around 0.5%).

However, just remember that Revolut offers a slightly better deal with $1,000 of fee-free exchanges per month, a feature that Wise does not match. As with the Revolut card, I've found that ATMs at 7-11 in Japan do not charge me the standard ¥220 fee when the Wise multi-currency account is topped up with JPY (also easily done within the app).

Here are benefits of the Wise multi-currency account at a glance:

• Opening an account costs $0;
• Offers $100 fee-free ATM withdrawals per month;
• Supports over 40 currencies, including JPY;
• Offers foreign bank details for 10 countries;
• Uses the mid-market rate ( check live here ), with a small fixed fee.

Learn more: Read our in-depth Wise review or watch our video review .

• Trust & Credibility 9.3
• Service & Quality 8.9
• Fees & Exchange Rates 7.6
• Customer Satisfaction 9.6

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card is a staple in my Apple Wallet, serving as my go-to card for all card transactions. It recognizes extra point categories in various Japanese institutions, including Shinkansen rides, restaurants, and more. Back when I earned the bonus offer, I was able to pay for a round-trip flight from Japan to California, when redeemed through Chase Travel.

For the perks that Chase offers, the $95 annual fee is very reasonable. You'll pay 21.49%–28.49% variable APR on unpaid balances, so pay your monthly balance on time in full to avoid accumulating interest .

Here's a breakdown of the card's offerings:

• Earn 60,000 points after meeting a $4,000 spend in the first 3 months;
• Get $50 in credits each year for hotels through Chase Travel;
• 5x points on travel booked through Chase Travel;
• 2x on other travel purchases;
• 3x points on dining, online groceries , and select streaming services;
• 1x points on all other purchases;
• Each anniversary, get points equal to 10% of total yearly purchases;
• 1:1 point transfer to partners;
• Comprehensive travel and purchase coverage;
• Uses Visa network rate ( check live rate here );
• No foreign transaction fees .

Capital One Venture Rewards Credit Card

My brother chose this card for his trip to Japan last year, largely for its generous bonus offer and the simplicity of earning 2x miles on every purchase. He was confident he would meet the spending threshold to secure the bonus miles, which helped him cover the entire cost of a US to EU round trip this year. The next time I plan a big flight, this will be the first card I consider to help me with the cost.

The card carries a $95 annual fee, a great trade for the value it delivers, especially for avid travelers. The 19.99% - 29.99% variable APR is similar to that of Chase. It's wise to pay off your full balance monthly to avoid interest.

Here's what makes the Capital One Venture Card a great option for travelers to Japan:

• Earn 75,000 miles after meeting a $4,000 spend in the first 3 months;
• Unlimited 2x miles;
• Earn 5x miles on hotels and rental cars through Capital One Travel;
• Emergency replacement and cash advance if card is lost or stolen;
• Flexibility to transfer miles to over 15+ travel loyalty programs;
• Uses Visa ( check here ) or Mastercard network rate ( check here );

American Express® Gold Card

The American Express® Gold Card is an appealing option for those looking for a travel card from American Express, which is known for its points programs. This card is best for domestic spending within the USA. However, it does have a direct partnership with the ANA Mileage Club, allowing for 1:1 point transfers.

For your references as an All Nippon Airways traveler to Japan, economy tickets between Japan (Zone 1) and North America (Zone 6) in low season can be equivalent to about 40,000 points and around 55,000 in high season. If you earn the 60,000 bonus points offer, you could conceivably redeem them for an entire round-trip flight to Japan.

ANA Mileage Club: Miles required for routes between Japan and North America

Data quoted: 9 March 2024

With a $250 annual fee, the AMEX Gold Card is more expensive than the other cards on this list. But when compared to other AMEX cards, this one is fairly average in terms of price. It charges a variable APR of 21.24% to 29.24%.

Here are the benefits that come with this AMEX credit card:

• Earn 60,000 points after meeting a $6,000 spend in the first 6 months;
• 4x points at restaurants worldwide;
• 4x points for takeout and delivery in the US;
• 4x points at U.S. supermarkets (on up to $25,000 per year);
• 3x points on flights booked directly with airlines or on AMEX Travel;
• 1x points on other eligible purchases;
• $120 Dining Credit, up to $10 monthly at participating partners;
• $120 Uber Cash, get $10 each month for Uber;
• Receive $100 credit with a two-night minimum stay on AMEX Travel;
• Uses AMEX network rate ( check here );

Sumitomo Mitsui Card Gold (NL)

The Sumitomo Mitsui Card Gold Numberless (NL) card is exclusively available to Japanese citizens and residents , and is often considered the benchmark credit card in Japan. While some might argue the merits of the Amazon or Rakuten credit cards for their high cashback rates on platform-specific spending, these benefits cater to those platform-loyal customers. (And personally, I find Rakuten.com's interface cumbersome. If Rakuten physically came to life, I think it would look something like a Don Quijote store.)

Japanese credit cards are a bit different from American ones. In Japan, the default setting is to automatically pay the full balance each month, with the option to choose monthly installment payments instead (at the point of purchase machine). The fees for installments vary from 3 month installments up to 24 month installments.

SMBC charges a low annual fee of 5,500 yen (tax included), and even waives it permanently if you spend 1 million yen or more in one year. However, it has a 2.2% foreign transaction fee. You should only use this card within Japan.

Benefits of the Sumitomo Mitsui Card Gold include:

• 10,000 points annually for spending 1 million yen;
• Earn a minimum of 1 point per 200 yen spent, effectively 0.5% points;
• Physical card payments at convenience stores and restaurants earn 5% points per 200 yen spent, effectively 2.5% points;
• Smartphone touch payments at convenience stores and restaurants earn 7% points per 200 yen spent, effectively 3.5% points;
• Smartphone touch payments at Universal Studios Japan earn 7% points per 200 yen spent, effectively 3.5% points;
• Able to transfer points to partners;
• Access to lounges at domestic airports.

What Are the Best Credit Cards to Use in Japan For Travel in 2024?

Revolut stands out as the best option for withdrawing cash at ATMs in Japan, thanks to its generous $400 monthly fee-free withdrawal limit. If you exceed this limit, Wise is a reliable backup, also doubling as an excellent debit card for international spending .

When it comes to Chase and Capital One, it's a tough call for me; I'd use both if I wanted. The great AMEX rewards program pays for itself, but also seems like a good tool to use before heading to Japan — using your points for ANA flights.

For residents of Japan, the SMBC Gold card is a solid choice for accruing points.

Ultimately, your choice of card for your trip to Japan will likely hinge on a mix of cash withdrawal needs , earning points while on your trip, and using accumulated points to pay for your flights:

• Revolut Standard Card — Cheapest way to get cash and lounge access
• Wise Multi-Currency Card — Best prepaid travel debit card
• Chase Sapphire Preferred® Card — Best for dining and travel points
• Capital One Venture Rewards Credit Card — Best intro offer
• American Express® Gold Card — Best way to transfer points to ANA
• Sumitomo Mitsui Card Gold (NL) — Best for residents of Japan

Do not fall for the dynamic currency conversion trap.

When prompted by ATMs abroad to pay in either USD or the local currency, always choose the local currency. At ATMs in Japan , always choose to pay in JPY (¥).

Is Visa or Mastercard Accepted in Japan?

Yes, Visa and Mastercard are accepted in nearly all establishments that take cards, like hotels, most restaurants, taxis, and retail stores. However, Japan remains cash-based in some areas, including local transportation, temples, shrines, vending machines, local shops, some parking meters, and more.

What Credit Cards Are Accepted in Japan?

In Japan, most major credit cards are accepted, including Visa, Mastercard, American Express (AMEX), JCB (Japan Credit Bureau), and Union Pay.

What US Credit Cards Work in Japan?

Any US credit card bearing the Visa or Mastercard logo will generally work in Japan. American Express is also accepted in some places. Discover cards may be the least widely accepted. Just make sure your card does not charge foreign transaction fees , as these can accumulate quickly.

Is It Better to Use a Credit Card in Japan?

Using credit cards in Japan can be great for earning points while you spend on travels. Nonetheless, given Japan's common use of cash, it's a good idea to also prepare by withdrawing cheaply from ATMs with a Revolut or Wise card.

How To Pay For Local Transit With a Credit Card in Japan

If you have an iPhone, you can add a Japanese IC card to your digital wallet! Simply open your Apple Wallet, tap on the plus sign, and search for Japan. Then, add a Suica card to your smartphone. You can then top up your card using Apple Pay and tap your phone at turnstile readers and most buses.

Can I Use Credit Cards to Take Out Cash in Japan?

Using credit cards for cash withdrawals should be considered an emergency option only, as it triggers a cash advance with high APR charges from your bank. For cash withdrawals, we highly recommend you use debit cards , both in the US and abroad, to avoid these high fees.

References Used In This Guide

Revolut. Pricing Plans . Accessed 9 March 2024. Revolut. Standard Fees . Accessed 9 March 2024. Wise. Cost to Withdraw Cash . Accessed 9 March 2024. Chase. Sapphire Preferred Credit Card . Accessed 9 March 2024. Capital One. Venture Credit Card . Accessed 9 March 2024. American Express. Gold Credit Card . Accessed 9 March 2024. SMBC. Gold Numberless Credit Card . Accessed 9 March 2024. SMBC. Using Abroad . Accessed 9 March 2024. The Points Guy. Redeem ANA Miles for Max Value . Accessed 9 March 2024.

Other Guides on Travel Money and the Best Cards to Use Abroad

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• Cashless Payments in Japan
• Helping You Plan

Many stores and restaurants now accept cashless payments

Cashless transactions are becoming more common in Japan. Also, Electronic transactions have become widespread for shopping and public transportation payments.

Advancing towards a cashless society

In Japan, there are still many places where cash is required, however, in recent years, cashless shopping has become increasingly common. Cards and electronic money that can be used are indicated at the entrance of establishments and payment counters. However, please make sure beforehand whether credit cards can be used at the specific stores and restaurants you plan to visit. Also please be aware that many places, especially in rural areas, may still only accept cash, even hotels. When visiting the countryside, remote or off the beaten track areas to enjoy nature, please check with accommodations and facilities prior to traveling and prepare some cash.

Credit cards and contactless payments

As dealing with unfamiliar local currency while traveling overseas can be challenging, credit cards are the most convenient method of payment. Credit cards issued overseas can be used at affiliated stores, with the most widely accepted credit cards in Japan being Visa, JCB and Mastercard. Usually, these cards are accepted at major hotels, department stores, large-scale shopping centers and restaurants in urban areas.

Contactless payments are also being implemented more. Using RFID (Radio Frequency Identification) technology, they are secure payment methods using debit or credit cards, IC cards, or other payment devices. Stores that accept such payments have the appropriate logos displayed. Despite being in development stages, contactless payments can already be used at most major convenience stores, stores and other establishments. To be on the safe side, however, always have some cash on hand.

Payments using smartphones

Smartphone payment methods used overseas, such as ApplePay, GooglePay and AliPay sometimes cannot be used in Japan. The most commonly accepted contactless payment smartphone apps or QR code payment methods are PayPay, LinePay, Rpay (Rakuten Pay) and MerPay. Most stores also support credit cards such as Visa, JCB or Mastercard. Downloading these credit card attached apps beforehand will help you avoid tediousness and save time when needing to make payments. However, there may be locations where payment errors occur, so it's recommended for one to be prepared to pay with cash as an alternative to credit cards.

*Some mobile payment systems are not compatible to non-Japanese models of mobile phones or smartphones, so the mobile payment may not be accepted depending on mobile phone models.

IC travel cards

If one uses public transportation frequently, there are also IC travel cards available for tourists that do not require a deposit. The locations at which the IC travel cards can be purchased is limited, they have a limited period of use and any money charged onto the card is non-refundable, but using prepaid IC travel cards saves time as it eliminates the need to purchase tickets each time.

Any IC travel card compatible with the National Interoperable Transport System, such as the popular Suica and Pasmo cards, can be used on trains, buses and at stores nationwide displaying this logo.

There are also smartphone applications such as Mobile Suica and Mobile Pasmo that work in the same way as IC travel cards. These apps can be linked to credit cards too, making them even more convenient.

IC travel cards and smartphone apps can be used to make payments at many convenience stores, shops and vending machines.

Physical IC travel cards can be purchased at station ticket counters or at automatic ticket vending machines at most railway stations. Children's IC travel cards, however, are only sold at ticket counters and require a passport or other form of identification that shows their age. Please note, only cash can be used when purchasing from a ticket vending machine. A deposit is also required to buy an IC travel card. Though the fee may vary, most deposits are set at 500 yen. The deposit will be refunded once the card is returned.

NOTICE: Welcome Suica IC cards are sold only at Haneda Airport Terminal 3 Station as of December 2023 due to the global chip shortage.

• PASMO PASSPORT IC cards for short-term visitors to Japan will continue to be available at Narita Airport, Haneda Airport, and major stations in the Tokyo metropolitan area.
• Smartphone applications such as Mobile Suica and Mobile PASMO can continue to be used as usual through Apple Pay with iPhone 8 or later models, or Google Pay with some Android smartphones.
• Other IC cards being sold outside the Tokyo area such as ICOCA and TOICA will continue to be available in each region.
• Please refer to the official website for more information. https://www.jreast.co.jp/multi/en/welcomesuica/welcomesuica.html

Depending on the area and railroad company, the IC travel cards that can be used may vary. Be sure to purchase the appropriate card according to one's travel plans. When the card's balance runs low, it can be topped up at one of the many multi-function ticket vending machines at all train stations. Please note that credit cards are not accepted, and one must pay with cash.

For more information for purchasing and charging IC travel cards, please click on the links below.

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Is It Better To Use Cash Or Card In Japan? The Final Verdict

There are many things that you need to take into account when travelling over to Tokyo or anywhere else in Japan. Not only is it important to know how much money you should take, but it is also extremely important to know what form of currency you should make purchases with. Using cards to pay for things is standard practice in almost anywhere in the world nowadays, but, should you use cash or card when it comes to travelling to Japan?

When in Japan, the primary form of payment should be cash. This is because many local businesses only accept cash as a form of payment, due to them not wanting to or being able to afford the fees included with cards. While it is good to have an amount of money in both cash and card, the majority of it should be cash-in-hand.

Knowing exactly when to use cash or card in Japan can be difficult . However , in this article, I aim to give you all the information you need, so that you know exactly when and when not to use each form of payment. The Japanese as we already know can be unique in the way they do things. Although they are a well-developed country, the majority of its residents and business owners still prefer hard, physical cash. But, why?

Is It Better To Have Cash Or Card In Japan?

You may be asking yourself “why should I carry cash in Japan when I can just use my card?” 

And, this makes sense . Most countries and cities take card payments nowadays. After all, we are in the 21st century! However, the Japanese love their traditions and this even includes payments.

When shopping around Tokyo, or any other major city in Japan, you’d be surprised at the sheer amount of places that would prefer and actually expect you to pay with physical cash. Despite the country being well-developed and known as having one of the most technological and futuristic cities in the world; Japanese business owners simply prefer to receive cash.

So, this may lead to your next question… “So, should I only use cash in Japan?”

The answer to this is, no. Credit and debit cards definitely have their use in Japan, and it is important that you bring one with you on your travels if you can . There is a maximum amount of cash that you can bring with you on your travels to Japan, and this may not be enough for the duration of your stay. 

Bringing your card with you will allow you to withdraw more cash, should you need to. However , cards are not only good for withdrawing cash, they can also be used at some places to make purchases. It is just that cash is more oftenly used!

Why Do Japanese Prefer Cash?

Japanese people can be old fashioned when it comes to certain traditions that they still carry out day by day. There is nothing wrong with this, why fix or change something that doesn’t need fixing or changing?

This is exactly the mindset of the business owners of Japan! For them, accepting cash is so much easier. To accept card payments, you need a card reader, which usually comes with payment fees. Not only that but there is always a chance of technical errors or difficulties occurring within the payment system, causing massive pains for the owner and their business. 

Therefore, the most simple solution would be to just simply keep accepting cash, as there are minimal problems that occur with this method of payment. 

While there are some larger businesses that accept card payments, the majority of small business owners just simply prefer to take cash. It’s as plain and simple as that!

What Places Accept Card In Japan?

As mentioned, there is a minority of places within Tokyo and Japan that do actually accept card payments. What are these places, and how do you know where to find places that take card payments?

The majority of larger general stores, restaurants and hotels will actually accept card payments. Just be sure to check before visiting via the website, or looking for in-store clues near the checkouts. 

For example, a popular method of card payment in Japan is an app called ‘PayPay’ , which usually comes with large red signs out the front of shops where it is used. This app works by transferring money to it via bank transfer, and then accepting and purchasing items through the use of QR codes. Obviously, it is not as efficient as a simple contactless payment, but it is good to have the option, rather than no option to use a card at all!

How Much Cash Can I Bring To Japan?

As previously mentioned, there is in fact, a maximum amount of cash you can bring with you into Japan. The maximum amount of cash you can bring into Japan when visiting is around 1 million Japanese Yen .  This is equivalent to around $9000USD or around 6000GBP, so it is a relatively fair and high amount. However , for much longer stays where you may need more money than this, ATM withdrawals will be your best bet at receiving more cash.

How To Withdraw Cash In Japan

When using your card to withdraw money in Japan, you have two main options. One of them is withdrawing at an ATM like you usually would, and the other is visiting a currency exchange business. 

The most obvious option would be to use an ATM as it is quick and easy . Although they include a small withdrawal fee, the fees are much smaller compared to the ones that come with using a currency exchange business. The best ATM to use would be inside any 7-11 within Tokyo or the country, as they accept the most foreign cards.

When visiting Tokyo, it is important to take into account how you will be making payments. The traditional approach of exchange within Japan is still going strong to this day, therefore, it is important that you bring a decent percentage of your money in cash form .

There are obvious risks with carrying cash, but with careful precautions being taken you should have no issues whatsoever!

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The best ways to travel to Japan with points and miles

After a long pandemic border closure, Japan opened back up to tourists last fall.

Japan is my favorite country, with its famous cherry blossoms, cutting-edge technology and top-notch hospitality.

The country also has unbelievable cuisine and a service industry that perfectly embodies the cultural importance placed on respect and politeness.

All of this to say, I am unbelievably excited to get back to Japan. Luckily, there are numerous loyalty programs to get travelers there — let's look at some of the best options.

Virgin Atlantic Flying Club

I will start with the most aspirational way to get to Japan: All Nippon Airways first and business class. While the cost of first-class awards suffered a devaluation in early 2023, it's still great value. Business-class redemptions escaped the devaluation and remain one of the best sweet spots in the industry.

Although Virgin Atlantic is now a member of the SkyTeam alliance, the airline still has individual partnerships with other airlines, including ANA (a member of Star Alliance ). The Flying Club program is quirky but has some incredibly valuable redemption options.

Here is the round-trip award chart for flights on ANA booked through Virgin Atlantic Flying Club :

In many cases, these prices are lower than most other carriers charge for a one-way award — 90,000 points round-trip in one of the world's best business-class products is an absolute steal.

Note that prices are marginally higher for flights from the U.S. East Coast and central states than from the West Coast, but the small difference shouldn't be enough to sway you. You can book one-way trips for half the round-trip ticket cost.

Unfortunately, there are two major downsides to booking ANA tickets with Virgin Atlantic Flying Club. One is that ANA is stingy with award availability. The other major downside is that you cannot book tickets online. Instead, you must find award space using a Star Alliance search tool . I like to use United Airlines' or Air Canada's websites, as both show all Star Alliance award availability online.

After you've noted award availability, you need to call Virgin Atlantic and give the representative the exact flights and class of service you want. The agent will look up and confirm the space. You can then transfer points over to Flying Club. Most transfers process instantly, so you don't have to worry about losing award space.

Thankfully, Virgin Atlantic Flying Club points are incredibly easy to earn. Flying Club is a transfer partner of all the major transferable currencies, including:

• American Express Membership Rewards (points transfer at a 1:1 ratio)
• Bilt Rewards (1:1)
• Capital One miles (1:1)
• Chase Ultimate Rewards (1:1)
• Citi ThankYou (1:1)
• Marriott Bonvoy (3:1)

When you transfer Marriott points to Flying Club in increments of 60,000, you receive 5,000 bonus miles. In other words, 60,000 Marriott points equal 25,000 Virgin points.

It's also worth noting that we sometimes see transfer bonuses from programs such as Chase and American Express to Virgin Atlantic Flying Club.

ANA Mileage Club

Another great way to get to Japan on ANA is through its own loyalty program: ANA Mileage Club .

ANA Mileage Club may not be the most well-known loyalty program, but it does have some great uses.

One of the best ways to use your ANA Mileage Club miles is for business class. ANA business-class tickets from the U.S. to Asia can be booked for as little as 75,000 miles on low-season dates. This is less than many airlines charge for a one-way business-class ticket from the U.S. to Asia. The program also allows for stopovers and open-jaw trips.

ANA prices its own tickets based on the region you're flying to and from, as well as the season in which you're flying. Currently, the airline has three different seasons: low, high and regular.

Once you've chosen your travel season, you need to find the region your flight is departing from and arriving in. You can find that by scrolling down the page .

It is worth noting that you can only book round-trip tickets with ANA Mileage Club — no one-way awards are allowed. You can also only book off-peak prices on ANA-operated flights.

The easiest way to earn ANA Mileage Club miles is by transferring American Express Membership Rewards at a 1:1 ratio. You can also transfer Marriott Bonvoy points to ANA Mileage Club at a 3:1 transfer ratio. You'll earn a 5,000-mile bonus for every 60,000 Marriott points transferred, so 60,000 points are worth 25,000 ANA miles.

Related: 10 ways to redeem ANA Mileage Club miles for maximum value

Alaska Mileage Plan

The Alaska Airlines' Mileage Plan program is one of the most highly regarded loyalty programs.

This is due to its generous award charts for partner airlines. Alaska Airlines has different award charts for its flights and each of its partners which opens up numerous award redemption opportunities.

In March 2021, Alaska Airlines joined the Oneworld alliance. This opened up partnerships with major airlines including American Airlines, British Airways, Cathay Pacific and Japan Airlines.

Read more: Your complete guide to Alaska Airlines partners

Flying first class on Japan Airlines is widely considered one of the best ways to get to Japan. From the great seats to the fantastic onboard cuisine to the incredible service and hospitality, Japan Airlines' first class is truly a once-in-a-lifetime experience.

Flying between North America and Japan will cost 85,000 Alaska miles from the West Coast and 100,000 miles from the rest of the United States for a one-way first-class ticket. Business class redemptions cost 60,000 or 80,000 miles depending on your departure point.

Using Alaska's search feature is relatively simple. There's an award calendar, and you can book JAL-operated awards online. Availability in premium cabins isn't fantastic, but if you're flexible on your departure date or open to last-minute award space, you may be able to find a good itinerary.

If you need to top up your Alaska balance, the Alaska Airlines Visa® Business card offers 50,000 bonus miles and Alaska's Famous Companion Fare ($99 fare plus taxes and fees from $23) when you make $3,000 or more in purchases within the first 90 days of opening your account.

Unfortunately, Alaska Mileage Plan isn't a partner of any major transferable credit card programs like American Express Membership Rewards or Chase Ultimate Rewards .

Because of its huge list of airline partners in the Oneworld alliance and non-alliance partners, you can earn miles by flying many different airlines and crediting those partner flights to Mileage Plan. Plus, you can earn miles when you fly with Alaska Airlines.

Also, Alaska often has buy-miles promotions that allow you to stock up on miles at a reasonable price. There is also an online shopping portal that can help you earn miles on online shopping.

American AAdvantage

Another Oneworld option to get to Japan is with your American Airlines AAdvantage miles.

Although the program lost some value over the last few years, you can still get a ton out of the program, especially as partner awards are not subject to dynamic pricing. The best way to get real value is through the airline's international partners in the Oneworld Alliance.

American publishes award charts for each region. On AA's partner award chart, Asia is divided into four regions: Asia Region 1, Asia Region 2, the Middle East and the Indian Subcontinent. Japan is considered to be in Asia Region 1.

This means you can book Japan Airlines business class for just 60,000 AAdvantage miles each way. It costs 20,000 additional miles to fly in first class. This provides an alternative way to fly on Japan Airlines if earning Alaska miles is too difficult.

One of the easiest ways to earn American AAdvantage miles is through American Airlines credit cards . Here's a list of current offers:

• Citi® / AAdvantage® Executive World Elite Mastercard® : Earn 70,000 miles after you spend $7,000 on purchases in the first three months of account opening. 4 miles per dollar on eligible American Airlines purchases. Then, if you spend $150,000 on purchases in a calendar year, you'll earn a boosted rate of 5 miles per dollar spent on American purchases for the remainder of the calendar year. Earn 10 miles per dollar spent on eligible car rentals and hotels booked through American's car rental and hotel booking sites , respectively. Earn 1 mile per dollar spent on other purchases (see rates and fees ).
• Citi® / AAdvantage® Platinum Select® World Elite Mastercard® : Earn 50,000 bonus miles after spending $2,500 on purchases in the first three months of account opening. Earn 2 AAdvantage miles per dollar on gas station, restaurant and eligible American Airlines purchases and 1 mile per dollar on other purchases (see rates and fees ).
• Citi® / AAdvantage Business™ World Elite Mastercard® : Earn 75,000 American Airlines AAdvantage bonus miles after spending $5,000 on purchases within the first five months of account opening. Earn 2 AAdvantage miles per dollar on eligible American Airlines purchases plus telecom merchants, cable and satellite providers, car rentals and gas stations. Earn 1 mile per dollar on other purchases (see rates and fees ).
• AAdvantage® Aviator® Red World Elite Mastercard® : Earn 50,000 bonus miles after making your first purchase in the first 90 days and paying the annual fee. Earn 2 AAdvantage miles per dollar on American Airlines purchases and 1 mile per dollar on other purchases.

The information for the AAdvantage Platinum Select and AAdvantage Aviator Red cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuers.

In addition, you can transfer Bilt Rewards points directly to American AAdvantage at a 1:1 ratio. This can be a great option for those with the Bilt Mastercard® (see rates and fees ) who are earning points on rent.

You can also earn AAdvantage miles by flying on American and partner airlines, making online purchases through the AAdvantage eShopping portal , and eating out through the AAdvantage Dining program.

Related: Your ultimate guide to American Airlines AAdvantage

Singapore KrisFlyer

One final option to get to Japan is via a fifth-freedom flight operated by Singapore Airlines . Although this option is limited to Los Angeles International Airport (LAX) , I thought it would be worth mentioning for our West Coast readers.

Singapore Airlines is famous for its top-notch service, especially in its premium cabins. Plus, this route is operated on a 777-300ER, which allows the possibility of flying Singapore's first-class product .

The carrier typically blocks premium-cabin award space from its partners, so you'll have to book through Singapore's KrisFlyer program . You will need 103,500 miles in business class, or 120,500 miles in first class at the lowest Saver level.

Award availability is typically scarce. However, it is worth noting that KrisFlyer allows you to waitlist for awards if your desired flight or class of service isn't available when booking.

Fortunately, these miles are easy to earn since KrisFlyer is a partner of most major transferable points currencies, including Chase Ultimate Rewards , American Express Membership Rewards , Citi ThankYou Rewards and Capital One . Transfers from all of these programs occur at a 1:1 rate.

Bottom line

With Japan finally reopened, we've seen a surge in demand for travel to the country over the last year. Cash fares remain quite high as a result, but you may be able to save money on your trips by using points and miles.

That said, you may need to be flexible and book either well in advance or at the last minute to score premium cabin award seats, allowing you to visit one of the world's most unique countries.

Additional reporting by Ben Smithson.

For rates and fees of the Bilt Mastercard, click here . For rewards and benefits of the Bilt Mastercard, click here .

Updated 9/27/23

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• Transportation

Guide to Suica Cards

How to get a Suica Card and more

For a convenient and stress-free travel experience, both around Tokyo and in regions beyond, it’s worth investing in a Suica card. This debit-style transportation card is popular with both residents of Japan and visitors alike. Take the hassle out of trying to figure out metro routes and ticket costs by purchasing a rechargeable Suica card.

What is a Suica card?

Suica is a debit-style transportation card sold by the JR Rail Company in its Tokyo train station hubs, as well as in locations such as Haneda and Narita Airports. This distinctive bright green card with its penguin logo can be used almost indefinitely – it doesn’t expire unless a period of ten years has passed between uses, and any monetary balance remains unaffected in that time.

What are the benefits of having a Suica card?

Above all – convenience. With Japan still often considered a cash-based society , it pays to have a multi-purpose card that can take care of most of your travel needs, but the Suica IC card can achieve a lot more:

• Tap-and-go access to trains, buses and trams around Japan. More >
• Pay at vending machines, shops and restaurants. More >
• Access to luggage storage lockers at stations. More >

How are Suica and PASMO different?

Many first-time visitors to Japan may often wonder what are the differences between Suica and PASMO – another IC travel card often mentioned.

PASMO cards are transportation cards that are designed and sold by Tokyo Metro. Suica cards are designed and sold by Japan Rail (JR).

Aside from their outward appearance, there is virtually no difference in usage between the Suica and PASMO cards. For travelers or visitors staying near the center of Tokyo, which has an abundance of Tokyo metro stations, it may simply be easier to purchase a PASMO card from the nearest station instead of making the trek to a more outlying JR rail station.

How can I purchase a Suica?

Suica cards can be purchased from ticket machines in most of Tokyo’s main JR rail stations (ie Tokyo, Hamamatsucho, Shimbashi, Shinjuku, Shibuya, etc). English instructions walk buyers through the steps needed to obtain a card. Cards can be personalized or left blank – if personalized, a card that is lost can later be identified and reclaimed with proof of identification.

Cards require an initial ¥500 deposit, though this can be reclaimed when returning the card (inside the station) at the end of your holiday.

How to top up a Suica

Cards can be topped up immediately, or at regular intervals as needed. When charging the card, cash can be added in increments of ¥1000. Suica cards can hold a balance of up to ¥20,000. Only yen cash can be used to add money to a Suica card. Credit cards are not accepted.

You can also top up a Suica at most ticket machines, even at non-JR stations, such as Tokyo Metro, as well as buses that accept Suica/PASMO.

Did you know? If you are caught out and run out of charge on the card when arriving at a station, you can even top-up at special kiosks inside the gates before you exit. It reduces the need to worry about trying to calculate the exact fare between stations.

For children aged 6-11, a special youth Suica card can be obtained. Marked with the kanji for small (小), this card entitles younger users to a discount of 50% on the regular train fare. Youth Suica cannot be purchased at the self-service kiosks and must be bought in person from a JR staff member in one of the JR train offices. Presentation of identification or of the minor him or herself may be required.

Step-by-step guide to buying the Suica

• Find the nearest ticket vending machine.
• Touch the 'English' button on the right corner of the monitor to switch languages for easier use.
• Select 'Purchase New Suica' on the lower left panel.
• You'll have 3 options: MySuica (for personalization - useful if needing to reclaim a lost card), Suica and Charge.
• There are several options you can choose, from ¥1000 to ¥10,000 (including the deposit cost of ¥500).
• Insert cash.
• And finally, take your Suica card, change, and receipt.

Returning your Suica when leaving Japan

If you decide not to keep your Suica for future use, you may return it to any JR rail office.

If any amount of money over ¥220 is left on the card, the JR company will charge a fee of ¥220 to process a refund and return the remaining amount to you. If the balance is under ¥220, no refund is issued and the balance is zeroed out.

(This includes balances such as ¥80, that would end up in negative numbers upon subtraction of the refund fee. The balance is simply zeroed out with no penalty to the card holder.)

However, all customers will receive the initial ¥500 deposit back upon turning in the card.

Where can I use my Suica card?

Travel with suica.

Suica are most commonly used as transportation passes, which users simply tap over the ticket gate to gain entry to the train tracks and tap again to exit a station, where the fare for the journey is automatically calculated and debited. There is a small discount on single journeys for those that use a Suica pass compared to those that rely strictly on paper tickets.

While cards emblazoned with Suica are sold in Tokyo, these JR-sponsored passes are also usable on regional forms of transportation.

Since 2013, Suica can be used interchangeably with the regional IC cards, like Kansai's ICOCA and PiTaPa, Nagoya's TOICA and Manaca, Sapporo's Kitaca, Fukuoka's SUGOCA and Hayakaken and Kyushu's nimoca. Hiroshima's street car/trams also support Suica, as well as several other regional transport systems.

Note that continuous travel between different regions of Japan is not possible just on a Suica alone.

Shop with Suica

Suica can also be used to make purchases at vending machines marked with the card’s logo. Simply tap the card against the machine’s card reader, select the product of your choice, and tap your card a second time to complete the purchase.

Many convenience stores also now provide an option for Suica holders to use their card to pay for purchases. Look for the card reader at the cash register and follow the clerk’s instructions or the instructions on the screen.

Many restaurant chains also support payments by Suica – just look for the familiar green logo near the payment terminal.

Luggage Storage

A number of lockers in Japan have begun switching to a coinless system, where users access their bags with a Suica or other debit-style transportation card.

Often found in train stations, these lockers don’t require a key for entry, and instead provide an entry code to be used in conjunction with the Suica card when reclaiming any baggage.

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•   繁體中文 (香港)

3 Best Travel Cards to Use in Japan

Wise is our pick for travel debit card for japan.

With this card:

• Convert Aussie dollars to Japanese Yen at the mid-market exchange rate
• It's very easy to set up and order
• You can receive foreign currency into a multi-currency account linked to the card
• You can transfer money to a bank account overseas

It's not all good news though

• There is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• It takes 7-14 days for delivery

Click here to see the full list of cards and how Wise compares

Read the full review

What are different types of travel cards?

Travel cards can be a handy travel companion when you're overseas, but it can be hard finding the right one for you.

On top of this, when you're travelling to Japan it's important to have cash with you as well. This is because it's still a very cash based society.

Despite this, if you're interested in finding the best travel cards for Japan, we've listed your main options below.

They can be either prepaid, debit or credit cards designed specially for overseas use. You can use travel cards to make purchases online, in stores and to withdraw money at ATMs. There are 3 popular types:

Prepaid Travel Cards

Travel debit cards, travel credit cards.

Let's have a look at each one.

Debit Cards offer the convenience of a credit card, but work differently. They draw money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make you stick to your travel budget, because you can't overdraw money from your account. And for daily purchases, we think a debit card can help you stick to your travel budget, because you can't overdraw money from your account.

Generally, we recommend having the combination of a travel debit and travel credit card for safety, flexibility and convenience on your trip.

Wise - travel debit card for Japan

• No annual fee, hidden transaction fees, exchange rate markups
• No minimum balance requirements
• Allows you to make payments and withdrawals wherever you are in the world in over 40 currencies
• Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR) and New Zealand (NZD)
• It takes 7-14 business days to receive the card
• Can't always access local technical support depending on where you are
• Free cash withdrawals limited to under $350 every 30 days
• Only currently available in the US, UK, Europe, Australia and New Zealand

For prepaid cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful. They can have numerous fees and charges, which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option.

Revolut - prepaid travel card for Japan

• No purchase fee, load fee, reload fee, exchange rate margin or minimum balance requirements
• Unlike other Travel Cards, its free and easy to use the balance of your currency or convert it back to AUD
• Mid-market exchange rate, they add a mark-up for currency conversion during weekends
• For the free Standard account, there is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• The premium account costs $10.99 a month, which can really add up if you are not using it often

Click here to see the full list of cards and how Revolut compares

• Very easy to use app
• Free to set up
• No hidden fees or exchange rate mark-ups (except on weekends)
• You can use it to transfer money to a bank account overseas
• Additional fees for using the card on a weekend
• 2% ATM fee once you withdraw more than $350 in any 30 day period
• 3-4 business days before you receive your card
• Ongoing subscription fee for Premium and Metal cards

Credit cards have obviously been around for a long time. But now there are specialised travel credit cards. Generally, these cards give you longer to pay back what you've spent but the interest rates after this time can be quite high.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. But it only works if you pay off the balance in full each month.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

28 Degrees - travel credit card for Europe

• There are no annual fees
• No overseas purchase fee or currency conversion fee
• You get 55 days interest free on purchases
• Access to free 24/7 concierge service
• Emergency card replacement worldwide

The 28 Degrees Platinum Mastercard has additional benefits including shoppers and repayments benefits cover.

• Can have 9 additional cardholders
• No overseas purchase fee, or currency conversion fee
• No foreign transaction fee
• Free Replacement Card
• High interest rates after the initial 55 days
• Minimum credit limit is $6,000
• No introductory offers or rewards

Need to know more about travelling to Japan?

Passports, Visas and Vaccinations

How Much Things Cost in Japan

Currency in Japan

Banks, ATMs & Currency Exchange

The Best Cards to Use in Japan

7 Common Travel Money Traps to Avoid in Japan