Credit Cards in Japan for Foreigners: Which One to Get First
You can get a Japanese credit card as a foreign resident without permanent residency or a guarantor, provided you have a residence card, a Japanese address, a phone number and a bank account in your name. Issuers care most about how long you’ll stay and whether you have stable income. Start with a no-fee card like Rakuten Card, and if you’re rejected, wait 6 months before applying again. For foreign residents & students Your first Japanese credit card:which one, and how to get approved What issuers look at, the right first card for your situation, the Japanese application form, and what to do after a rejection. Checked against each issuer’s official pages on 29 Sep 2026. Things to have ready4 What issuers check6points Wait after a rejection6months Key takeaways Foreigners can get a Japanese credit card. You don’t need permanent residency or a guarantor. You need a residence…
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