How to Get a Credit Card in Japan (For Foreigners)
If you live in Japan, having a credit card is almost essential. Many services such as online shopping, mobile payments, and subscriptions require a credit card.
The good news is that foreigners can also apply for a credit card in Japan if they meet certain conditions.
1. Basic Requirements
To apply for a credit card in Japan, you usually need:
- A valid residence card
- A Japanese phone number
- A Japanese bank account
- Stable income
Most credit card companies require both a local bank account and phone number.
2. Easy Credit Cards for Foreigners
Some credit cards are easier for foreigners to get:
- Rakuten Card
- EPOS Card
- Amazon Mastercard
These cards offer online applications and generally have higher approval rates.
3. Application Process
Applying for a credit card in Japan usually involves the following steps:
- Visit the credit card company's website
- Fill out personal information
- Register your bank account
- Wait for the screening process (3–7 days)
If approved, the card is usually delivered to your home within about a week.
4. Tips to Get Approved
To increase your chances of approval:
- Stay in Japan for at least 6 months
- Have a stable job
- No late phone bill payments
Your credit limit may start small but will increase with consistent use.
Conclusion
Getting a credit card in Japan as a foreigner is easier than many people expect. Cards like Rakuten Card and EPOS Card are popular choices for beginners.
Using credit cards wisely can help you earn reward points and enjoy various discounts.