RentByCard

Pay rent by card — even if your landlord only accepts bank transfer.

We charge your card and send a domestic bank transfer to your landlord. Simple, automatic, every month.

Is it worth it?

Slide the rent and pick your card.

￥150,000

￥50,000￥500,000

Fee: Visa/Mastercard/JCB 3.3% · Amex 4%

How it works

  • ✓Your landlord receives a standard domestic bank transfer
  • ✓Automatic monthly payment - no action required
  • ✓Works even if landlord accepts bank transfer only
  • ✓Supports foreign & Japanese cards

Your card statement may provide additional payment flexibility depending on your billing cycle.

Earn from your rent

￥36,000 / year

￥3,000/month — optional upside depending on your card.

Points, miles, or cashback depending on card program.

Service fee

Card processing + bank transfer to landlord

￥4,950/mo

Fees shown upfront. No hidden charges. Landlord receives full rent via bank transfer.

Pay rent your way →

Estimates only. Actual rewards depend on card program.

Top Cards for Rent Payments

Ranked by flexibility, convenience, and rewards

See how much value you unlock by paying rent with these premium cards.

#1 for travel rewards
American Express Aeroplan Reserve CardAmerican Express Business Platinum CardCIBC Aeroplan Visa Infinite Privilege CardRakuten Premium Card

Amex Aeroplan Reserve

American Express

Best for: Premium travel with Aeroplan. Highest earn rate on rent payments.

Annual Fee

$599

Interest

21.99%

Earn Rate

3× Aeroplan

Earning on Rent

￥1,800,000/yr×3%

54,000 Aeroplan pts

Rewards earned on full rent amount — fees included.

Net rewards per year

$810/yr

Special Offer

Earn up to 90,000 welcome bonus Aeroplan points. Conditions apply.

Use this card for rent →

1 of 4 cards · Based on ￥150,000/mo rent

Ready for flexible rent payments?

Pay rent by card, keep your cash longer, and earn rewards on every payment.

Join Early Access

Fees shown upfront. No hidden charges. Landlord receives full rent via bank transfer.

Best Japanese cards for rent

Cards available in Japan; good for domestic rent payments.

  • Amex Platinum Card

    Points

    American Express

    Membership Rewards points at an effective ~3.5% value when transferred to airline/hotel partners. Best for high spenders targeting travel rewards.

    ¥143,000/year

    Apply

  • Rakuten Premium Card

    Points

    Rakuten Card

    Rakuten Points on all spend; 1pt/¥100 standard, bonus at Rakuten Ichiba and selected merchants. Points usable for rent payments and travel.

    ¥11,000/year (first year free in campaigns)

    Apply

  • EPOS Card (Marui)

    Cashback

    EPOS Card

    EPOS points; good at Marui and partner stores. Often used for lifestyle spend; check if your rent payment qualifies for points.

    Free (standard)

    Apply

  • Saison Card Premium

    Rent

    Credit Saison

    V Point; various campaigns. Some utility/bill payment promotions; confirm rent payment eligibility.

    ¥22,000/year

    Apply

Best foreign cards for rent in Japan

International cards that work well for rent payments (e.g. no FX fee, strong rewards).

  • Wealthsimple Cash Card

    Cashback

    Wealthsimple

    2% cashback on all purchases. Canadian card; no FX fee on CAD. Good for rent payments when paying in local currency.

    No annual fee

    Apply

  • Chase Sapphire Preferred

    Points

    Chase

    Ultimate Rewards points; no foreign transaction fee. Strong for travel and flexible redemptions when paying rent in JPY.

    USD 95/year

    Apply

  • Capital One Venture

    Points

    Capital One

    Miles on every purchase; no foreign transaction fee. Good for large rent payments when earning miles.

    USD 95/year

    Apply

  • Wise Card (multi-currency)

    Cashback

    Wise

    Spend in JPY with mid-market rate; no FX markup. No points but low cost for rent in local currency.

    No annual fee

    Apply

We update this list periodically. Rates and terms are set by issuers; check the issuer site before applying.