
Credit cards are widely accepted in Japan, including at major airports. In 2024, a demonstration test for a passenger service using cards that support tap payments was conducted at 26 stations on the Toei Subway Asakusa, Mita and Oedo Lines and 10 stations on the Keikyu Lines. Credit cards are also accepted for payments at supermarkets, convenience stores, department stores, and most restaurants. However, it is important to note that cash is still prevalent in Japan, and some smaller merchants or remote areas may prefer or require cash payments. It is recommended to carry both a credit card and Japanese yen when traveling to Japan.
| Characteristics | Values |
|---|---|
| Credit card acceptance in Japan | Credit cards are widely accepted in Japan, especially in major cities and tourist areas. |
| Cash usage in Japan | Cash is still prevalent in Japan, especially outside large cities and for smaller purchases. |
| Foreign transaction fees | Some credit card issuers charge foreign transaction fees (typically 1-3% of the transaction cost) when used in Japan. |
| Benefits of using a credit card | Security, fraud protection, rewards, and travel insurance are some of the benefits offered by credit cards. |
| Contactless payments | Contactless payments with credit cards are available at some locations, but Japan has been slower to adopt alternative payment methods compared to neighbouring countries. |
| Credit card acceptance at airports | Credit cards can be used for contactless payments at some airport train stations, but not all. |
| Credit card acceptance on transportation | Credit cards cannot be used for tap payments on trains or buses and require an IC card. Shinkansen (Bullet Trains) tickets can be purchased with credit cards. |
| Credit card acceptance at hotels | Credit cards are accepted at most hotels, ryokan, hostels, and guest houses. |
| Credit card acceptance at restaurants | Credit cards are accepted at most restaurants, especially chain restaurants around train stations. Some restaurants may not accept credit cards during lunch. |
| Credit card acceptance at stores | Credit cards can be used at supermarkets, convenience stores, department stores, and souvenir shops in tourist areas. |
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What You'll Learn

Credit cards are widely accepted in Japan, including at the airport
However, it is important to note that cash is still prevalent in Japan, and some businesses may prefer or require cash payments. This is particularly true for smaller, local merchants, remote areas, and certain types of purchases such as train and bus fares, street food, and entrance fees for some landmarks. It is always a good idea to carry some Japanese yen with you during your trip.
When using your credit card in Japan, you may incur foreign transaction fees, which typically range from 1% to 3% of each transaction. These fees may be charged by your card issuer or the payment network. Additionally, currency conversion fees may apply when converting Japanese yen to your home currency.
To ensure a smooth travel experience, it is recommended to research in advance whether your card will be accepted at your intended destinations and to have a backup option, such as cash or a different payment method. It is also advisable to update your contact information with your bank and card issuer in case of suspected fraud or if you need to report a lost or stolen card.
In summary, while credit cards are widely accepted in Japan, including at the airport, it is beneficial to have multiple payment options available during your trip, including cash and potentially a travel rewards credit card that offers benefits specifically tailored to international travellers.
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Cash is still king in Japan, so carry some yen
While credit cards are becoming an increasingly popular payment option in Japan, the country still largely embraces physical currency. Therefore, it is recommended to carry some Japanese yen with you during your trip.
Japan has a reputation for being a cash-based society, but trends are changing, and there has been a significant increase in the acceptance of other payment methods. Credit cards are now widely accepted in major cities like Tokyo and Osaka, and at most hotels, department stores, mid-to-high-end restaurants, outlet malls, large retail shops, train stations, convenience stores, supermarkets, chain restaurants, and boutiques. Most major credit cards, like Visa and Mastercard, are usually accepted in big cities and tourist-friendly areas. However, it is always a good idea to carry some cash, as you may encounter stores that only accept cash or electronic payment methods like IC cards.
Cash is still the preferred payment type for many locals and businesses, especially in smaller shops, temples, shrines, and when paying small entrance fees at tourist sights. It is also useful for purchasing street food and when using vending machines, which typically accept coins and small bills. Additionally, some lockers require coins, and taxis may not accept bills larger than 1,000 yen. In rural areas, cash may be preferred or required, and some local merchants may only accept cash.
Before your trip, it is a good idea to check with your hotel or research other travelers' experiences to understand the payment methods accepted at your destination. It is also important to note that foreign currencies are not commonly accepted in Japan, except perhaps at major international airports. Therefore, it is recommended to exchange your money for yen before your trip or upon arrival at the airport, a local bank, or a credit union. Carrying a mix of cash and credit cards will ensure that you are prepared for various payment situations during your stay in Japan.
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You can use credit cards for JR and Shinkansen fares
Credit cards are widely accepted in Japan, especially in major cities like Tokyo and Osaka. While cash is still the most common form of payment, credit cards can be used in most large stores and tourist-friendly areas.
When it comes to JR and Shinkansen fares, credit cards can be used to pay for tickets. However, there may be some instances where credit cards are not accepted. It is recommended to carry both your credit card and cash in Japan.
JR and Shinkansen tickets can be purchased online or in person. When buying online, you can use websites like Smart EX or the JR West reservation website. However, these websites may be picky about the type of card used, and they may not work outside of Japan's business hours. In person, you can buy tickets at the customer service counter or ticket machine, and credit cards are usually accepted. Some ticket machines may only accept cash, so it is always good to carry some yen with you.
Additionally, credit cards may be useful for JR and Shinkansen fares as they offer security and fraud protection. For example, if your card is lost or stolen, you can lock it and monitor its usage. Some cards also offer travel insurance, which can provide reimbursement for trip delays, cancellations, lost luggage, and more.
Overall, while credit cards can be used for JR and Shinkansen fares in Japan, it is always a good idea to have cash as a backup option.
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Credit cards are accepted at most department stores and restaurants
Credit cards are widely accepted at most department stores and restaurants in Japan, particularly in large cities like Tokyo and Osaka. You should be able to use your credit card for food purchases and other merchandise at most department stores without any issues. Around train stations, you can typically use your credit card at most restaurants, especially at chain restaurants.
However, it is important to note that cash is still prevalent in Japan, and some smaller, local merchants or street food vendors may prefer or only accept cash payments. It is always a good idea to carry some Japanese yen with you, as some restaurants may not accept credit cards during lunch, even if they have logos indicating they usually accept them. Additionally, some popular landmarks, like castles, Buddhist temples, and Shinto shrines, may only accept cash.
It is recommended to check with your credit card issuer about foreign transaction fees, as these can range from 1% to 3% of each transaction. Some credit cards, like Capital One, do not charge these fees and may offer additional travel perks and protections. Using a credit card in Japan can provide benefits such as security, ease of use, and rewards, but it is wise to have both cash and your credit card on hand during your travels.
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Foreign transaction fees may apply, but some cards waive these
Credit cards are becoming an increasingly popular payment option in Japan, especially in large cities like Tokyo and Osaka. However, the country still largely embraces physical currency, with Japanese yen being the preferred payment type for many locals and businesses.
When using your credit card in Japan, you may incur foreign transaction fees, which are surcharges that some card issuers add to purchases made outside of the US. These fees typically range from 1% to 3% of the transaction cost. However, it's important to note that not all cards charge these fees. Cards that often waive foreign transaction fees include travel credit cards, co-branded hotel and airline cards, and premium travel rewards cards. Some specific examples of cards that don't charge foreign transaction fees include the Capital One VentureOne Rewards Credit Card, Chase Sapphire Reserve, and the Apple Card. Additionally, Capital One and Discover are unique in that they don't charge foreign transaction fees on any of their cards.
It's always a good idea to check with your card issuer to see if they charge foreign transaction fees and to explore other card options if necessary. You may also want to consider the benefits of using cash or a debit card for purchases in Japan, as credit cards may not be accepted everywhere, especially in remote areas or smaller local merchants.
To avoid unexpected fees, it is recommended to review the terms and conditions of your card before travelling. Foreign transaction fees will be listed under the "Fees" section, and it is worth noting that these fees can vary between different card issuers and even between different card products from the same issuer. Additionally, letting your card issuer know about your travel plans can help prevent your account from being frozen due to suspected fraud.
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Frequently asked questions
Yes, credit cards are accepted at Japanese airports. However, it is worth noting that using a currency exchange at the airport may not provide the best rates. You may find better rates when exchanging currency at your local bank or credit union.
Credit cards are widely accepted throughout Japan, especially in large cities like Tokyo and Osaka. However, Japan is still a cash-heavy culture, so it is recommended to carry some Japanese yen with you in addition to your credit card.
You can use your credit card at supermarkets, convenience stores, department stores, most restaurants, and for Shinkansen (Bullet Train) tickets. Credit cards are also accepted at most souvenir shops in tourist areas, hotels, and taxis in major cities.











































