Credit cards are notoriously hard to get for foreigners in Japan. We share the easiest cards to apply for and tips to improve your screening chances.

You have a job and a bank account, but your credit card application keeps getting rejected. Welcome to Japan. Japan credit card for foreigners is a hot topic because the screening process is strict and opaque.

Easiest Cards to Get

1. Rakuten Card:
   • Approval Rate: Very High.
   • Why: They want everyone in their ecosystem.
   • Bonus: 5,000 - 8,000 points sign-up bonus.
2. EPOS Card (Marui):
   • Approval Rate: High.
   • Why: You can apply in-person at Marui department stores and get the card same-day.
3. Amazon Mastercard:
   • Approval Rate: Medium-High.
   • Why: Good if you use Amazon Japan frequently.

👉 Bank Account: Best Banks in Japan for Expat Accounts

Why You Get Rejected

• Short Stay: If your visa is only for 1 year, banks see you as a flight risk.
• No Credit History: You are a "super white" (no history).
• Job Tenure: Applying right after starting a new job is risky. Wait 6 months if possible.

Tips to Pass Screening

• Apply During Campaigns: When they are desperate for new users, screening might be slightly looser.
• Set Cashing to Zero: Requesting a "Cashing" (cash advance) limit triggers a stricter review. Set it to 0 JPY.
• Don't Apply for Gold: Start with a standard card to build history.