https://mlipay.jp/en/tags/saving/Recent content in Saving on MLI PayHugo -- gohugo.ioenMLI PayTue, 02 Jun 2026 13:00:00 +0900https://mlipay.jp/en/credit-card/top-5-credit-cards-return-rates/Tue, 02 Jun 2026 13:00:00 +0900https://mlipay.jp/en/credit-card/top-5-credit-cards-return-rates/<img src="https://mlipay.jp/img/thumbnail/top-5-credit-cards-return-rates-en.png" alt="Featured image of post Top 5 Credit Cards Ranked by Return Rates: The Ultimate Guide" /><p>When choosing a credit card, the most important factor for many is the point return rate. Using a high-yield card for daily shopping and fixed costs can lead to massive savings. In this article, we rank and compare the top 5 highest-yield credit cards available in Japan.</p> <h2 id="1-sumitomo-mitsui-card-gold-nl">1. Sumitomo Mitsui Card Gold (NL) </h2><p>This card has taken the market by storm, offering up to 7.0%+ point returns when using touch payment at designated convenience stores and restaurants.</p>