How to Get a Credit Card in Japan (Even as a Foreigner)
Getting a credit card in Japan can feel frustrating—especially if you’ve just moved to the country and don’t yet have a credit history.
When I first arrived, I struggled to get approved for nearly two years. It wasn’t until I secured full-time employment that I finally succeeded.
In this guide, I’ll walk you through:
- The easiest ways to get approved
- The best credit card companies in Japan
- How credit card payments actually work here
What You Need Before Applying
Before applying for a credit card in Japan, make sure you have the following:
- Residence Card – showing your valid visa status
- Inkan (Hanko) – the same one used to open your bank account
- Japanese Bank Account
- Proof of Address – usually listed on your residence card
- Important: If you’ve moved recently, update your address before applying.
Best Credit Card Companies in Japan
1. Rakuten Card (Best for beginners)
This was my first successful card application.
- Foreigner-friendly
- English support available
- Easier approval compared to most companies
Highly recommended as your starting point
2. JCB Cards
Another relatively easy option.
- Widely accepted in Japan
- Less useful internationally
Good locally, but not ideal for travel
3. American Express
- Premium brand
- High annual fees
Not recommended unless you specifically want premium perks
Gold Credit Cards in Japan
Many companies offer Gold cards, which include:
- Airport lounge access
- Travel insurance
- Higher credit limits
Typical details:
- Annual fee: ¥2,200 – ¥10,000
- Standard card limit: ~¥100,000
- Gold card limit: up to ~¥500,000
Worth it if you travel often — otherwise, stick with a standard card.
How Credit Card Payments Work in Japan
1. Payment in Full (Recommended)
You pay your full balance the following month.
Benefits:
- No interest
- Simple and predictable
This is the most common and safest option
2. Instalment Payments
At checkout, you may be asked:
“Single payment or instalments?”
If you choose instalments:
- Interest rates: 10%–16%
- You pay over several months
Use cautiously — it adds up quickly
3. Revolving Payments (Ribo Barai)
This allows flexible repayments, but:
- High interest
- Additional fees
- Easy to accumulate debt
Avoid this unless you fully understand the costs
⚠️ Key Tip for Approval
If you’re new to Japan:
Your chances improve significantly if you:
- Have stable full-time employment
- Have lived in Japan for at least 1–2 years
Final Thoughts
Final Thoughts
Getting a credit card in Japan isn’t impossible — it just requires patience and the right approach.
Start with a beginner-friendly provider like Rakuten, make sure your documents are in order, and avoid high-interest payment options where possible.
