Money & Remittance
5 Credit Cards Foreigners Can Get in Japan [Easy Approval 2026]
Credit cards are convenient in Japan, but foreigners often struggle with approvals. Here are cards with more lenient screening.
① Key Factors for Approval
- Longer remaining residence period helps
- Must have a Japanese bank account
- Steady income (pay slips help)
② Card Comparison
| Card | Annual Fee | Points | Notes |
|---|---|---|---|
| Rakuten Card | Free | 1% | Higher approval rate |
| AEON Card | Free | 0.5% | Bonus points at AEON stores |
| PayPay Card | Free | 1% | Best for PayPay users |
| EPOS Card | Free | 0.5% | Instant issuance at Marui stores |
💡 Recommendation: Start with Rakuten CardHigh approval rate, free annual fee, 1 point per ¥100.
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