Updated October 21, 2026 · SumCue Editorial Team

Top credit cards compared in Japan

121 providers available in Japan, ranked for Japan.

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Top credit cards compared in Japan
OrderProviderScoreFeaturesKey factsActions
1
Revolut UK logo
Revolut UKTop pickPartner
9.4/10
  • No annual fee
  • Travel
Annual fee:
€0
APR:
13.34% to 17.99%
Currency conversion fee:
0% to 2%
ReviewCompareVisit
2
BCP logo
BCPPartner
9.7/10
  • No monthly fee
APR:
8.9% to 87.5%
Credit needed:
Good
Legal entity:
Banco de Credito del Peru
ReviewCompareSee alternatives
3
Banco Pichincha logo
Banco PichinchaPartner
9.6/10
  • No monthly fee
  • Rewards
Rewards type:
Miles
Card kind:
Credit
Legal entity:
BANCO PICHINCHA C.A.
ReviewCompareSee alternatives
4
Union Pay International logo
Union Pay InternationalPartner
9.6/10
  • Travel
Currency conversion fee:
0%
Rewards type:
Points
Perks:
Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
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5
Nykredit logo
NykreditPartner
9.5/10
  • No monthly fee
Card kind:
Credit
Legal entity:
Nykredit Bank A/S
Headquarters:
Denmark
ReviewCompareSee alternatives
6
HBL logo
HBLPartner
9.4/10
  • No monthly fee
Card kind:
Credit
Legal entity:
Habib Bank Limited
Headquarters:
Pakistan
ReviewCompareSee alternatives
7
Santander Consumer Bank logo
Santander Consumer BankPartner
9.4/10
  • Fixed rate
APR:
2.99% to 11.98%
Currency conversion fee:
1.85%
Credit needed:
Fair
ReviewCompareSee alternatives
8
Alpha Bank logo
Alpha BankPartner
9.3/10
  • Rewards
Annual fee:
€30
APR:
17.75%
Rewards type:
Points
ReviewCompareSee alternatives
9
National Bank of Canada logo
National Bank of CanadaPartner
9.3/10
  • No annual fee
  • Rewards
Annual fee:
CA$0
APR:
20.99% to 22.49%
Currency conversion fee:
2.5%
ReviewCompareSee alternatives
10
Cashably logo
CashablyPartner
9.3/10
  • No annual fee
  • Rewards
Annual fee:
$0
APR:
0%
Currency conversion fee:
3%
ReviewCompareSee alternatives
Revolut UK

Revolut UK

Top pick for Japan

9.4/10Visit