Getting approved for a credit card in Japan can be difficult for foreigners, especially without Japanese credit history.
This 2026 comparison guide highlights the best credit cards based on:
- Approval probability
- Foreign-friendly policies
- Annual fees
- Point systems
- Online application ease
If you haven’t read the approval guide yet, start here:
👉 Credit Cards for Foreigners in Japan: How to Get Approved
Quick Comparison Table (2026)
| Card | Annual Fee | Ease of Approval | Best For |
|---|---|---|---|
| EPOS Card | Free | High | First-time applicants |
| SMBC Olive | Free (basic) | Medium | Salary workers |
| Rakuten Card | Free | Medium | Online shoppers |
1. EPOS Card
One of the easiest cards for foreigners to get approved.
- No annual fee
- Department store affiliation (Marui)
- Relatively foreigner-friendly screening
- Quick approval process
2. SMBC Olive
Best for stable employees.
- Strong banking integration
- Competitive point program
- Modern app interface
If you are still choosing a bank account:
👉 Best Bank Accounts in Japan (2026 Comparison Guide)
3. Rakuten Card
Popular and beginner-friendly option.
- High point return
- Strong e-commerce benefits
- Widely accepted
How Approval Works in Japan
Credit card approval typically depends on:
- Visa status
- Length of stay
- Employment stability
- Japanese credit history
Make sure your address and bank account are already set up:
👉 How to Open a Bank Account in Japan
👉 How to Register Your Address in Japan
Final Recommendation
If you are new to Japan, start with EPOS for higher approval probability.
If you already have stable employment and banking, SMBC Olive can offer better long-term value.
Also planning to send money overseas?
👉 Best Ways to Send Money Abroad from Japan
Disclaimer
Approval standards, point programs, and campaign bonuses may change at any time. Always verify the latest information on the official website before applying.
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