A Thorough Comparison of Credit Cards and Point Cards that Maximizes Points and Cash Backs
Which cards are the most convenient and earn the most in the age of "Poyu-Katsuki"? Daimaru Matsuzakaya Card," which offers a 5% refund at stores, "P-one Card," which offers a 1% refund even if you don't do anything, etc.
With the boom in “poikatsu,” the practice of accumulating points by using apps and cashless payments, issuing a credit card is becoming a necessity. There are countless brands that claim to offer a wide range of benefits and incidental insurance, as well as high point redemption rates.
Takahito Kikuchi of Poi-Tan Co., Ltd. thinks it is best to use the Rakuten Card as a main card.
Rakuten’s ‘Super Point Up Program’ has been continuously revised, but it is still the most efficient service for earning points,” he said. “The monthly “Shopping Marathon” and “Points +2x on days with 0 and 5″ campaigns are great for earning points, and the fact that Rakuten points can be used like cash on the web and in brick-and-mortar stores is also a strong point. However, the service continues to undergo changes. I don’t think it is necessary to create a Gold or Premium card.”
Sumitomo Mitsui Card is trying to break the stronghold of Rakuten’s dominance. The brand’s “numberless card,” which does not have a number on its face, is gaining popularity due to its high security.
The Sumitomo Mitsui Card Gold offers a 5% discount just for spending at three convenience stores and McDonald’s, and up to 10% if you add a family card to the card. It is simple and easy to save, and is recommended for people who buy in real stores rather than online. Also, if you link up with SBI Securities and accumulate mutual funds, you will get 1% back. Since Rakuten will be revamped by the end of the year, Sumitomo Mitsui Card has gained an advantage. The annual fee of 5,500 yen is a bottleneck, but if you spend more than 1 million yen a year, the annual fee for the next and subsequent years will be “waived forever”. It is a very economical card that can be used all the time once it has been used.
