For students and minors applying for their first credit card, selecting the right option can seem daunting. However, student cards often come with special, highly rewarding benefits that aren’t available to the general public. In this guide, we explore how to choose your first card and highlight top student cards in Japan.
Why Get a Credit Card as a Student?
- Building Credit History: Paying bills on time early establishes a solid credit score for future auto or home loans.
- Cashless Convenience: Streamlines payments for online learning, streaming subscriptions, and travel bookings.
- Exclusive Student Rewards: Issuers often multiply reward points specifically for student demographics.
Top Recommended Student Cards
- Sumitomo Mitsui Card (NL) Student Points: Offers up to 10% back on popular subscriptions (Spotify, Prime, etc.).
- Rakuten Card Academy: A student-specific Rakuten card granting extra points for books and travel.
- JCB CARD W: Limited to users under 39, offering high return rates at Starbucks and Amazon.