Choosing a credit card for summer 2026 requires strategic thinking, considering the bonus season and travel demand. This article compares recommended summer credit cards by reward rate and perks.
Sumitomo Mitsui Card Gold (NL)
This popular card offers free annual fees for life when you spend over 1 million yen annually on contactless payments. Enjoy up to 7% rewards at convenience stores and family restaurants with touch payment. In summer 2026, the network of eligible stores has expanded further, increasing opportunities while traveling.
- Annual Fee: 5,500 yen (free after conditions met)
- Base Rate: 0.5%
- Max Rate: 7.0% (contactless at eligible stores)
Rakuten Card
Ideal for regular Rakuten Ichiba shoppers. The SPU program varies your return rate, reaching over 15% during campaigns. During summer 2026’s Shopping Marathon, entering the campaign and buying at multiple stores doubles your points.
- Annual Fee: Free forever
- Base Rate: 1.0%
- Feature: Unbeatable returns in the Rakuten ecosystem
d Card GOLD
A must-have for Docomo users. Get 10% back on Docomo mobile and internet bills. Combine with d-barai at FamilyMart and McDonald’s for efficient everyday point accumulation.
- Annual Fee: 11,000 yen
- Base Rate: 1.0%
- Max Rate: 10.0% (on Docomo services)
How to Choose
Summer brings increased spending on travel, home visits, and seasonal shopping. Consider your main usage scenarios and balance annual fees against reward rates. Using multiple cards strategically maximizes returns in each card’s specialty area.