Planning a trip to Japan involves many considerations, and understanding how to handle your finances is crucial. While Japan has historically been a cash-based society, credit card acceptance has significantly improved in recent years. This comprehensive guide will help you navigate using credit cards in Japan, from which cards are widely accepted to where you might encounter issues and what alternatives to consider.
Credit card usage has become increasingly common in Japan, especially in tourist areas
Global Credit Card Networks Accepted in Japan
Japan accepts most major international credit cards, though acceptance rates vary by location and establishment type. Understanding which cards are most widely accepted will help you prepare for your trip.
Visa
The most widely accepted international card in Japan. Available at most hotels, department stores, restaurants, and major retailers throughout the country.
Highest Acceptance
Mastercard
Nearly as widely accepted as Visa. Most establishments that accept credit cards will accept Mastercard without issue.
High Acceptance
JCB
Japan’s domestic credit card brand with excellent acceptance rates throughout the country, especially at smaller establishments.
Excellent Domestic Coverage
American Express
Accepted primarily at high-end hotels, department stores, and restaurants in major cities. Less common in smaller establishments.
Moderate Acceptance
UnionPay
Growing acceptance, especially in tourist areas and department stores. Popular option for Chinese tourists visiting Japan.
Growing Acceptance
Discover
Limited acceptance in Japan. Has partnership with JCB network, but acceptance is still less common than other major cards.
Limited Acceptance
Find Your Card Provider’s Japan Resources
Most major credit card providers offer specific information for travelers to Japan. Check your card’s international travel resources before your trip.
Where You Can Reliably Use Credit Cards in Japan
Credit card acceptance varies significantly across different types of establishments in Japan. Here’s where you can expect to use your cards with confidence:
Credit card acceptance is highest in major urban centers and tourist destinations
| Establishment Type | Acceptance Rate | Notes |
| Hotels & Ryokans | 95-100% | Nearly all accommodations accept major credit cards. Some smaller ryokans may be cash-only. |
| Department Stores | 95-100% | All major department stores accept international credit cards. |
| Chain Restaurants | 90-95% | Most chain restaurants accept cards, especially in tourist areas. |
| Convenience Stores | 90-95% | 7-Eleven, Lawson, Family Mart all accept major cards. |
| Train Tickets/Passes | 80-90% | JR ticket offices and major stations accept cards. Some ticket machines are cash-only. |
| Taxis | 70-80% | Most taxis in major cities accept cards. Look for card logos on windows. |
| Independent Restaurants | 50-70% | Varies widely. More common in tourist areas and upscale establishments. |
| Small Shops | 30-50% | Many small shops still prefer cash, especially in rural areas. |
ATM Availability for Cash Withdrawals
When you need cash, knowing where to find compatible ATMs is essential. Not all Japanese ATMs accept international cards, but these options are reliable:
7-Eleven ATMs
Available at all 7-Eleven stores throughout Japan. These ATMs accept most international cards and offer an English interface. Available 24/7 in most locations.
Japan Post Bank ATMs
Located in post offices across Japan. Accept international cards and offer English language options. Note that operating hours typically follow post office hours.
Locate International ATMs in Japan
Find the nearest compatible ATM for your card before you need cash.
Potential Issues When Using Credit Cards in Japan
Despite increasing acceptance, you may encounter situations where using credit cards in Japan becomes challenging. Being aware of these potential issues will help you prepare accordingly.
Many traditional establishments and small businesses remain cash-only
Where Cards Work Well
- Major cities (Tokyo, Osaka, Kyoto, Sapporo)
- Tourist destinations and attractions
- International hotel chains and major ryokans
- Department stores and shopping malls
- Chain restaurants and convenience stores
- Transportation hubs and major stations
Where Cards May Not Work
- Traditional markets and street food stalls
- Small family-run restaurants and shops
- Rural areas and smaller towns
- Cultural sites (temples, shrines, castles)
- Local buses and some ticket machines
- Traditional ryokans in remote areas
Regional Differences in Card Acceptance
Credit card acceptance varies significantly between urban and rural Japan. Understanding these regional differences will help you plan your cash needs accordingly:
Major Urban Centers
Tokyo, Osaka, Yokohama, and other major cities have the highest credit card acceptance rates. Most establishments accept cards, though small local businesses may still be cash-only.
Tourist Destinations
Popular areas like Kyoto, Hiroshima, and Nara have good card acceptance at tourist-oriented businesses, but traditional establishments often prefer cash.
Rural Japan
Smaller towns and rural areas have significantly lower card acceptance rates. Prepare to use cash almost exclusively when visiting countryside locations.
Important Note About Minimum Charges
Some establishments in Japan may impose minimum purchase requirements for credit card transactions, typically around 1,000-3,000 yen. This is more common at smaller restaurants and shops that accept cards but prefer cash for smaller transactions.
Essential Travel Tips for Using Credit Cards in Japan
Proper preparation will help you avoid payment issues during your trip to Japan. Follow these essential tips to ensure smooth financial transactions throughout your journey.
Proper preparation with multiple payment methods ensures a smooth travel experience
- Notify your bank of travel dates to Japan
- Verify your daily withdrawal and spending limits
- Check if your card charges foreign transaction fees
- Confirm your card’s expiration date isn’t during your trip
- Save your bank’s international customer service number
- Consider getting a backup card from a different network
Before Your Trip
- Always carry sufficient cash (10,000-20,000 yen minimum)
- Look for credit card logos at establishment entrances
- Ask “クレジットカードは使えますか?” (Can I use a credit card?)
- Choose to pay in yen rather than your home currency
- Keep receipts and monitor transactions regularly
- Use ATMs at 7-Eleven or post offices for cash withdrawals
During Your Trip
- Have your bank’s international support number saved
- Know how to temporarily lock your card via mobile app
- Keep a small emergency cash reserve separate from wallet
- Have access to emergency fund transfers if needed
- Know location of your country’s embassy/consulate
- Have digital copies of your cards stored securely
In Case of Problems
Prepare Your Cards for Japan
Most banks allow you to set travel notifications online or through their mobile app.
Mobile Payment Alternatives
Digital payment options are increasingly available in Japan, offering convenient alternatives to physical cards:
Apple Pay
Accepted at many locations that take contactless payments. Compatible with Suica transit cards for public transportation.
Google Pay
Growing acceptance at major retailers and chain stores. Can be linked with some Japanese payment apps for wider compatibility.
Suica/Pasmo Apps
Digital versions of popular IC transit cards that can also be used for purchases at convenience stores, vending machines, and many retailers.
Alternative Payment Options in Japan
Beyond traditional credit cards, Japan offers several alternative payment methods that can be convenient for travelers. These options can help you navigate situations where credit cards aren’t accepted.
Japan offers various prepaid and IC card options that function as cash alternatives
Prepaid Travel Cards
Japan has several widely-accepted prepaid card systems that can be loaded with cash and used for purchases:
Waon
A prepaid e-money card issued by AEON. Can be used at AEON malls, supermarkets, and affiliated stores. Available for purchase at AEON stores and can be recharged with cash.
nanaco
Seven & i Holdings’ electronic money card. Widely used at 7-Eleven stores and affiliated retailers. Can be purchased and recharged at 7-Eleven locations throughout Japan.
IC Transit Cards with Payment Functions
Japan’s IC transit cards double as payment cards at many retailers, making them extremely convenient for travelers:
Suica/PASMO (Tokyo Area)
Originally developed for train and bus transportation in the Tokyo area, these cards can also be used for purchases at convenience stores, vending machines, and many retailers. Available as physical cards or mobile app versions.
ICOCA (Kansai Area)
The IC card for the Kansai region (Osaka, Kyoto, Kobe). Functions similarly to Suica/PASMO with both transit and payment capabilities at many stores and restaurants.
Get a Suica or PASMO Card
These IC cards can be purchased at major train stations and airports. They’re invaluable for both transportation and shopping.
Cash Exchange Tips
For the best exchange rates, consider exchanging some currency before your trip or using ATMs in Japan rather than airport exchange counters. Many Japanese banks don’t exchange foreign currency, so plan accordingly. Post offices and major banks in tourist areas often offer currency exchange services.
Credit Card Provider Contacts and Resources
In case of emergencies or questions about using your credit card in Japan, having direct access to your card provider’s support services is essential. Here are important contacts and resources for major credit card networks.
Credit card providers offer specialized support for international travelers
| Card Network | Japan Support Number | Global Support | Online Resources |
| Visa | 00531-44-0022 | 1-303-967-1096 | Visa Japan Website Visa ATM Locator |
| Mastercard | 00531-11-3886 | 1-636-722-7111 | Mastercard Japan Travel Support |
| American Express | 0120-020-120 | 1-336-393-1111 | Amex Japan Global Assistance |
| JCB | 0120-794-082 | +81-422-40-8122 | JCB Global Contact Page |
| Discover | 00531-11-4767 | 1-801-902-3100 | International Use |
| UnionPay | 0034-800-800-287 | +86-21-38895000 | UnionPay International |
Lost or Stolen Card?
If your credit card is lost or stolen in Japan, contact your card issuer immediately using the numbers above. Many providers can arrange emergency card replacement or cash advances to approved locations in Japan, typically within 24-48 hours.
Save Emergency Contacts Before Your Trip
Store your card provider’s international support number in your phone and keep a written copy separate from your cards.
Final Thoughts on Using Credit Cards in Japan
While Japan continues to embrace credit card payments, especially in urban and tourist areas, the country still maintains a strong cash culture. For the best experience, prepare to use a combination of payment methods during your visit.
The key to financial comfort while traveling in Japan is flexibility. Carry a mix of payment options—major credit cards, some cash, and perhaps a prepaid IC card—to ensure you’re prepared for any situation.
By understanding where and how to use credit cards in Japan, being aware of potential limitations, and preparing alternative payment methods, you’ll be well-equipped to enjoy your Japanese adventure without payment concerns. Remember that payment acceptance policies can change, so it’s always good to verify the most current information before your trip.
Ready for Your Trip to Japan?
Make sure your payment methods are prepared before you depart.
With proper preparation, using credit cards in Japan can be a smooth and convenient experience
Disclaimer
Credit card acceptance policies in Japan may change over time. This information was accurate at the time of publication, but we recommend verifying current policies with your card issuer before traveling. Foreign transaction fees, exchange rates, and card acceptance criteria are determined by individual financial institutions and merchants.
Adam G
This post was created by Adam G, a seasoned financial writer with a passion for explaining currency exchange and market movements