Credit Card Guide

amex gold preferred card
Card Campaigns, Credit Cards, Hot Tips

Amex Gold Preferred Referral: 140,000 Points and How to Get Them (October 2026)

The Amex Gold Preferred referral offer is 140,000 points in total as of 14 October 2026; the 170,000-point boost that ran from August has ended. The public page shows either 120,000 or 140,000 depending on the visitor, so the gap to the referral page is 0–20,000 points. You need ¥500,000 in three months and ¥1,000,000 in six, roughly ¥167,000 a month, and supplementary card spending counts. Anyone who has ever held the Amex Green, Gold, Gold Preferred or Platinum is excluded from the bonus. [Update, 24 October 2026] From 21 October 2026 the referral offer is back at 170,000 points in total (Benefit 1: 30,000 for ¥1M within 4 months / Benefit 2: 120,000 for ¥2M within 6 months / regular spending: 20,000), with a new spending requirement. This article reflects the 140,000-point offer that applied from 14 to 20 October 2026.▶ Latest version: the 170,000-point referral offer…

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Card Campaigns, Credit Cards, Hot Tips

Amex Gold Preferred Referral: 170,000 Points (Record High) and How to Get Them

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The Amex Gold Preferred referral offer is 170,000 points in total, against 120,000 on the public application page — up to 50,000 more for identical spending. The spending requirement rose on 21 October 2026: you now need ¥1,000,000 within four months and ¥2,000,000 within six, roughly ¥333,000 a month, and supplementary card spending counts. Anyone who has ever held the Amex Green, Gold, Gold Preferred or Platinum is excluded from the bonus. Referral only · All-time high Amex Gold PreferredWelcome Bonus Hits a Record American Express® Gold Preferred Card (Japan) 170,000POINTS +50,000vs. the public offer ¥39,600annual fee (incl. tax) 4+ yearsof fees, per Amex Last updated 24 October 2026 (published 6 August 2026) — on that date we checked the referral page and it showed 170,000 points in total, under the new spending requirement that applies from 21 October 2026. The welcome bonus on the American Express Gold

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High Cashback Cards, Amazon, Card Campaigns, Credit Cards, Guides

【Amazon Prime Mastercard】 Guide｜Up to 12,000 Points for New Cardmembers

EndedJul 13

The campaign for new Prime members — up to 8,000 points for signing up by July 13 and 4,000 for a first purchase by July 31 — has ended (applications ran June 16 14:00 to July 13 23:59, 2026; first use until July 31 23:59). The sign-up amount varied by account, so 8,000 was a maximum, not a fixed figure. Check Amazon’s official page for the next round. Enrollment and annual fees are free forever, and Prime members get 2% back on Amazon purchases. Your actual sign-up amount appears on the application page once you log in. If you shop on Amazon in Japan, the Amazon Prime Mastercard is a card worth having. The most recent campaign offered up to 12,000 points in total (8,000 sign-up + 4,000 first use, both limited-time points). There’s no enrollment or annual fee, ever. Prime members get 2% back at Amazon, and

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amex gold preferred card
High Cashback Cards, Card Campaigns, Credit Cards, Hot Tips, Lifestyle, Money-Saving Tips

AMEX Gold for Foreigners in Japan: Can You Get It?

EndedMay 26

Foreign residents in Japan can qualify for the AMEX Gold Preferred — there is no nationality requirement, just age 20 or older, stable income, a Japanese address, a valid residence card, and a Japanese bank account. The annual fee is ¥39,600, and applying through a referral link adds 50,000 points without making approval any easier. This page explains the card itself. For the current referral offer (up to 170,000 points in total) — how it breaks down, the spend conditions, who is excluded and how to apply — see Is 170,000 points real? Why referral beats the public offer. AMEX Gold Preferred JapanComplete Referral Guide 3x Partner Store Points 1:1 ANA Mile Conversion +30K Extra Referral Points ¥39,600/year | Free Hotel Stay | Dining Perks | Priority Pass If you’re living in Japan and looking for one credit card that does it all — solid point earnings, 1:1

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High Cashback Cards, Card Campaigns, Credit Cards, Hot Tips, Point Deals, Point Reviews, Points & Miles

【JCB Card】Complete Guide | J-POINT Revolution, Card Comparison & Money-Saving Tips in Japan | Latest

EndedMar 31

JCB replaced Oki Doki Points with J-POINT on January 13, 2026: you now earn 1 point per ¥200, and partner merchants like McDonald’s, Gusto, and Starbucks give up to 10% back. JCB Card W keeps a 1.0% base rate with no annual fee forever, though only ages 18–39 can apply. From February 2026, MyJCB Pay lets you spend points in store at 1 point = ¥1. 🔄 J-POINT Reward Revolution JCB Card Complete Guide Japan’s only international card brand — issued directly by JCBUp to 10% back at McDonald’s/Gusto × 2% at Amazon × No annual fee forever J-POINT Revolution: Oki Doki points fully upgraded to J-POINT in Jan 2026 — earn from every ¥200, up to 10% back at McDonald’s and more JCB Card W: Ages 18–39 only, no annual fee forever, 1.0% base cashback, even higher at Amazon/Starbucks/7-Eleven MyJCB Pay: Use J-POINT directly at 1.6 million+

【JCB Card】Complete Guide | J-POINT Revolution, Card Comparison & Money-Saving Tips in Japan | Latest Read more

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mitsubishi ufj card
High Cashback Cards, Card Campaigns, Credit Cards, Hot Tips, Money-Saving Tips

【Mitsubishi UFJ Card】Complete Guide｜7% at Partner Stores・Up to 20% Back・Raku-Pay Trick・MUFG Ecosystem【Latest】

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The Mitsubishi UFJ Card is free forever and pays 7% at 37 partner store brands, including supermarkets like OK Store and Tokyu Store. Stacking the Point Up Program pushes that to 10–14% realistically, and registering Raku-Pay adds 2% at no cost. Special Points cap at ¥50,000 of partner store spending per month. Mitsubishi UFJ Card Complete GuideFree Forever × Up to 20% Back at Partner Stores Specs, cashback tips, Raku-Pay trick, SMBC comparison & MUFG ecosystem — all in one place 📌 Updated: March 2026 The Mitsubishi UFJ Card (三菱UFJカード) is a bank-issued credit card from Mitsubishi UFJ NICOS, part of Japan’s largest financial group MUFG. After massive upgrades in 2024–2025, it now stands alongside the SMBC Card (NL) as one of Japan’s two premier free-forever, high-cashback bank cards. This guide covers everything: basic specs, the points system, partner stores, how to use points wisely, the Raku-Pay zero-cost

【Mitsubishi UFJ Card】Complete Guide｜7% at Partner Stores・Up to 20% Back・Raku-Pay Trick・MUFG Ecosystem【Latest】 Read more

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Credit Cards, Cash Out, Cashback Routes, High Cashback Cards, Lifestyle, Money-Saving Tips, Points & Miles

【ONE BANK】 (formerly B/43) Complete Guide – Latest｜ AI Budgeting App + Visa Prepaid Card in Japan

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ONE BANK pairs an AI budgeting app with a Visa prepaid card that actually covers utilities, mobile bills, and subscriptions — unlike Kyash or IDARE. The free plan links one bank account and scans 20 receipts a month; Plus costs ¥480 monthly for unlimited linking and 13 Pockets. New sign-ups with a referral code get ¥300 after topping up ¥1,000. Formerly B/43 → Rebranded March 2025 ONE BANK Complete Guide AI Budgeting × Visa Prepaid Card × Utility PaymentsThe all-in-one financial tool for household budget management in Japan What is ONE BANK? ONE BANK (formerly B/43) is an AI budgeting app combined with a Visa prepaid card, operated by SmartBank, Inc. Simply load your monthly budget onto the prepaid card and spend — all transactions are reflected in the app in real-time, automatically creating your expense tracker with zero manual entry. Rebranded from B/43 to ONE BANK in

【ONE BANK】 (formerly B/43) Complete Guide – Latest｜ AI Budgeting App + Visa Prepaid Card in Japan Read more

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High Cashback Cards, Credit Cards, Lifestyle, Money-Saving Tips

【JRE CARD】Complete Guide | 3.5% Cashback at Station Buildings + Suica Commuter Pass

JRE CARD earns 3.5% at atre, ecute, LUMINE and other JR East station buildings, plus 5% on Mobile Suica commuter passes and eki-net Shinkansen eTickets. The ¥524 annual fee is free the first year, and switching to web statements returns 600 JRE POINT a year — spending about ¥1,300 a month at partner stores covers it. 🚃 JR East View Card JRE CARD Complete Guide 3.5% Rewards at Station Buildings × Suica × Commuter PassThe best credit card for JR East commuters in Japan 📖 This guide is for you if… You regularly shop at atre, ecute, LUMINE and other JR station buildings You commute with Suica and want a combined credit card + commuter pass You want to maximize JRE POINT earnings and redemptions You’re comparing View Card options and unsure which to choose You want to unlock JRE BANK perks like 40% off Shinkansen tickets 📑

【JRE CARD】Complete Guide | 3.5% Cashback at Station Buildings + Suica Commuter Pass Read more

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High Cashback Cards, Card Reviews, Credit Cards, Lifestyle, Money-Saving Tips

【Revolut】Complete Guide to Revolut in Japan: Sign Up, Save Money & Travel Smart

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Revolut’s free Standard plan covers ¥300,000 of currency exchange a month at near-interbank rates, and its Visa debit card carries a 0% foreign transaction fee. Signing up takes about five minutes with a Japanese mobile number and ID. Topping up with a Mastercard-brand card is free and still counts toward PayPay Step. Complete Guide to Revolut in Japan: Sign Up, Save Money & Travel Smart Revolut is a UK-based digital finance app used by over 70 million people worldwide. Since launching in Japan in 2020, it has become an essential tool for anyone who travels abroad, shops on international websites, or sends money overseas. With a single app, you can exchange currencies, send money internationally, pay with a Visa debit card, and withdraw local currency from ATMs around the world — all at significantly lower costs than traditional banks charge. This guide covers everything you need to know

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Cash Out, Card Reviews, Cashback Routes, Credit Cards, High Cashback Cards, Lifestyle, Money-Saving Tips, Point Deals, Point Reviews, Points & Miles

【IDARE】: 1.0-2.2% Annual Return Prepaid Card Strategy & Tips

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IDARE pays a variable annual return set by your IDARE Rank, which launched on July 1, 2026 (Platinum 2.2% / Gold 2.0% / Silver 1.5% / Bronze 1.0%, decided by the previous month’s average balance; IDARE advertises it as up to 2.2% equivalent, with the bonus rates applied from August 1, 2026). From the payout on October 1, 2026 the old cap — 20% of the previous month’s deposits — is gone, so you receive the full amount based on your average balance and rank even if you never top up. Foreign transaction fees are 0% only at the top Platinum rank since July 15, 2026 (Gold 1.0% / Silver 2.0% / Bronze 3.0%), and ATM withdrawals abroad aren’t supported. Since June 2, 2026, top-ups no longer count toward PayPay Step. Up to a 2.2% annual return on your balance, and 0% foreign transaction fees at the top

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Card Campaigns, Credit Cards, High Cashback Cards, Hot Tips, Point Deals, Point Reviews, Points & Miles, tools

SMBC Card NL for Foreigners in Japan: Can You Get It?

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Foreigners in Japan can get the SMBC Card NL — nationality is not the barrier. You need a residence card with comfortably more than six months left, a matching Japanese address, a domestic bank account, and a carrier phone number (050 and VoIP numbers are rejected). The annual fee is permanently free, with up to 20% rewards at partner stores. 🎯 Earn up to ¥15,000 via Point Sites + Official Bonus 💳 SMBC Card NL Complete Guide Free Annual Fee Forever ・ Up to 20% Cashback at Convenience Stores ・ Instant Issuance in 10 Seconds 🎯 This Guide Is Perfect For Those who want a permanently free high-value credit card People who frequently shop at convenience stores, McDonald’s, Starbucks, etc. Smart consumers who want to earn extra rewards through point sites Those using or planning to use SBI Securities for investing Foreigners/students applying for their first credit card

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Money-Saving Tips, Card Campaigns, Card Reviews, Credit Cards, Point Deals, Points & Miles

Rakuten Card Ribo Points Trick: A Foreigner’s Safe Guide

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Register ato-ribo on ¥40,000 in Rakuten Card charges for 2,000 points, or ¥70,000 for 4,000, then repay in full through e-NAVI the same day so interest stays near zero. Leave the balance revolving and it accrues about 17.64% APR on a standard Rakuten Card, erasing the reward. The portal and deadlines are Japanese-only. 💳 Rakuten Card “Ato-Ribo” Campaign Guide Earn 2,000-4,000 Rakuten Points with Almost Zero Interest! Rakuten Card runs a monthly “Ato-Ribo” (後からリボ払い) campaign where you can earn 2,000-4,000 Rakuten points simply by converting purchases to revolving payments. With the method explained in this guide, you can earn these points while paying almost zero interest! 📅 Current Campaign (January 2026) Campaign Period: January 9 (Fri) – January 22 (Thu), 2026 Requirement Reward Effective Rate Ato-Ribo ¥40,000+ 2,000 points 5.0% Ato-Ribo ¥70,000+ 4,000 points 5.71% ⚠️ You must set “Ribo Payment Course” to ¥10,000 or less Quick answer

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Japan Survival Guide, Card Reviews, Credit Cards, Lifestyle

What is CIC Credit Report? Online Check ¥500 [E1235 Error Solution]

CIC discloses your Japanese credit records online for ¥500, delivered as a PDF, with service running 8:00–21:45 and re-disclosure free within 96 hours. A mail request costs ¥1,500 and arrives in about 10 days. If error [E1235] blocks online identity verification, one call to 0570-666-414 makes that mail disclosure free. 🌏 New to Japan? What issuers check, which card to get first and how to fill in the form: Credit Cards in Japan for Foreigners. What is CIC (Credit Information Center)? CIC (Credit Information Center Corporation) is a designated credit information agency in Japan that manages personal credit information. It records and manages credit card and loan application histories, payment statuses, outstanding balances, and other credit information, which financial institutions reference when conducting screenings. When living in Japan, financial institutions check your credit information whenever you apply for credit cards or housing loans. The information registered with CIC

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High Cashback Cards, Card Campaigns, Credit Cards, Lifestyle, Stay for Less

【Marriott Bonvoy® American Express® Premium Card】Referral Guide｜Up to 85,000 Points & Is It Safe?

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Applying through the referral program earns up to 85,000 points instead of the official site’s 75,000 — a 10,000-point difference — after ¥1.5 million of spending within six months. The Premium Card carries a ¥82,500 annual fee, grants Gold Elite automatically, and unlocks Platinum Elite at ¥5 million in annual spending, plus a free night award worth up to 75,000 points at ¥4 million. Same Card, 10,000 More Points! Marriott Bonvoy AMEX Referral Program Complete Guide Platinum Elite • Free Nights • 6% Rewards | Application Guide for Japan This Article is For Expats in Japan considering the Marriott Bonvoy AMEX who want to maximize sign-up bonuses Travel enthusiasts interested in Platinum Elite VIP treatment and luxury hotel stays Anyone living in Japan who wants to enjoy premium hotels through credit card points Apply through the referral program to get 10,000 more points than the official website! Current

【Marriott Bonvoy® American Express® Premium Card】Referral Guide｜Up to 85,000 Points & Is It Safe? Read more

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