Observed arrival · 2026-09-24
クレカhub turns credit-card rewards into an annual balance sheet
A Japanese comparison tool that ranks 203 credit cards by estimated yearly value, with filters and inputs for spending, fees, rewards, and card features.
- For
- Japanese credit-card shoppers comparing annual rewards and costs
- Worth noticing
- Eight cards with unpublished foreign transaction fees are assigned zero yen and grouped at the bottom when sorting by annual balance.
Field notes
Readers can model more than basic spending: the inputs include eligible-shop purchases, foreign-currency use, family cards, ETC cards, paid reward options, and personal point valuations. The page also documents cases where its model cannot make a clean comparison: unpublished foreign transaction fees are treated as zero yen and sorted last. Some benefits, such as SFC/JGC status, may be represented by an assumed value that the site says is not an actual cash flow.
Observed signals
Read the marks
Editorial observations of this landing page, not a rating.
One card from the complete issue