Best Credit Cards for Paying Rent in Japan
Calculate your rewards, compare cards, and find the best card for your rent.
Calculate your earnings
Set your rent amount and pick your card to see your rewards.
￥150,000
Service fee: 4.5% of rent amount
Earn from your rent
￥54,000 / year
￥4,500/month — optional upside depending on your card.
Points, miles, or cashback depending on card program.
Most cardholders earn ￥72,000–￥144,000/year from everyday spending. Adding rent could bring your total to ￥126,000–￥198,000/year.
Pay rent your way →Service fee
Card processing + bank transfer to landlord (incl. consumption tax)
￥6,750/mo
Fees shown upfront. No hidden charges. Landlord receives full rent via bank transfer. Other services charge 5.5%.
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.
Estimates only. Actual rewards depend on card program.
Best Japanese cards for rent
Cards available in Japan; good for domestic rent payments.
Best Japanese cards for rent
Cards available in Japan; good for domestic rent payments.
Hilton Amex Premium
PointsAmerican Express
Earn Hilton Honors points on every purchase. Automatic Hilton Diamond status with annual spend threshold — unlocks executive lounge, free breakfast, and room upgrades worldwide.
¥66,000/year
Get started
Marriott Bonvoy Amex Premium
PointsAmerican Express
Earn Marriott Bonvoy points on all purchases. Automatic Gold Elite status — late checkout, room upgrades, and bonus points at 8,000+ hotels worldwide.
¥49,500/year
Get started
Amex Platinum
PointsAmerican Express
Membership Rewards points transferable to 17+ airline and hotel partners. Premium travel insurance, Priority Pass, and hotel elite status across multiple programs.
¥143,000/year
Get started
Amex Gold Preferred
PointsAmerican Express
Strong Membership Rewards earn rate. Points transfer to ANA, JAL, and hotel programs. Good travel insurance and purchase protection.
¥31,900/year
Get started
Rakuten Premium Card
PointsRakuten Card
Rakuten Points on all spend. Up to 5x at Rakuten services. Points usable for rent, travel, shopping — strong ecosystem value in Japan.
¥11,000/year
Get started
JCB Platinum
PointsJCB
Oki Doki points with strong partner transfer rates. Concierge service, Priority Pass, and premium restaurant access. Japan-first acceptance.
¥27,500/year
Get started
Rakuten Card
CashbackRakuten Card
1% Rakuten Points on all purchases. No annual fee. Simple, reliable cashback for everyday and rent payments.
Free
Get started
EPOS Card
CashbackEPOS Card
0.5% EPOS points. No annual fee. Popular in Japan for everyday spending and lifestyle purchases.
Free
Get started
Saison Card
CashbackCredit Saison
V Points with various campaigns. Solid everyday card with broad acceptance across Japan.
Free
Get started
Best foreign cards for rent in Japan
International cards that work well for rent payments (e.g. no FX fee, strong rewards).
Best foreign cards for rent in Japan
International cards that work well for rent payments (e.g. no FX fee, strong rewards).
United States
Hilton Honors Amex Aspire
PointsAmerican Express
Automatic Hilton Diamond status. One free-night certificate every year, plus additional certificates after $30k and $60k spend. $200 resort credit included.
$550 USD/year
Get started
World of Hyatt Credit Card
PointsChase
Annual free-night certificate for Category 1–4 Hyatt hotels. Additional free night after $15,000 spend. Automatic Discoverist status.
$95 USD/year
Get started
IHG One Rewards Premier
PointsChase
Annual free-night certificate worth up to 40,000 IHG points. Fourth-night-free on all point redemptions.
$99 USD/year
Get started
China
CITIC IHG World Card
PointsCITIC Bank
Two free nights at any IHG hotel worldwide every card year after paying the annual fee. Valid at 4,600+ IHG properties. Renews annually.
¥2,000 CNY/year
Get started
CITIC Marriott Premium Platinum
PointsCITIC Bank
Two free nights worth up to 35,000 Marriott Bonvoy points each, every card year. Top up by 15,000 points to book higher-category hotels.
¥3,600 CNY/year
Get startedIndustrial Bank Amex Platinum
PointsIndustrial Bank
Spend ¥30,000 CNY per quarter to earn a domestic hotel night or global theme-park ticket. Up to two vouchers per year.
¥3,600 CNY/year
Get started
Australia
Amex Qantas Ultimate
PointsAmerican Express
Earn up to 100,000 bonus Qantas points over two years. 1.25 Qantas points per dollar on everyday spend. Includes Qantas Club passes and travel insurance.
AU$450/year
Get started
Amex Velocity Platinum
PointsAmerican Express
Earn up to 100,000 bonus Velocity points over two years. Points transfer to Virgin Australia, Singapore Airlines and partners.
AU$375/year
Get started
Latitude 28 Global Platinum
CashbackLatitude Financial
No annual fee, no foreign transaction fees. Ideal for international spending and overseas rent payments. Includes flight-delay lounge passes.
Free
Get started
Canada
Wealthsimple Cash Card
CashbackWealthsimple
2% cashback on all purchases. Canadian card, no FX fee. Ideal for those earning in CAD.
Free
Get started
Marriott Bonvoy Amex Canada
PointsAmerican Express
80,000+ Bonvoy points sign-up bonus. Annual free-night award worth up to 35,000 points from year two. 5 points per dollar at Marriott.
CA$120/year
Get started
Amex Cobalt Card
PointsAmerican Express
5x MR points on groceries and dining, 3x on streaming, 2x on gas/transit. Points transfer 1:1 to Aeroplan, Avios, Flying Blue, Delta, and 1:1.2 to Marriott/Hilton.
CA$156/year
Get started
RBC Avion Visa Infinite
PointsRBC
Visa Infinite Hotel Collection benefits: free nights, room upgrades, and breakfast at 900+ premium hotels. Avion points transfer to Aeroplan and Avios.
CA$120/year
Get started
Global / Other
Wise Card
CashbackWise
Mid-market exchange rate, no FX markup. No rewards but lowest cost for multi-currency rent payments.
Free
Get started
We update this list periodically. Rates and terms are set by issuers; check the issuer site before applying.