PayperWIZ

JCBゴールド cashback rate, cap and annual fee

JCBゴールド pays 0.7% at overseas spend (registered) and 0.35% on everything else. The card costs JPY 11,000 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

JCB · Japan · catalogue v117

Read from JCB's own published terms on 30 Oct 2026.

JPY 11,000Annual fee
0.7%Best rate

What it pays, by category

SpendingRateMonthly cap
overseas spend (registered)travel0.70%—Overseas spend earns twice the points (0.7%) after the free point-up registration.
everything else0.35%—1 J-POINT per 200 yen on the month's total, 0.35% at 0.7 yen a point.
electronic-money top-upsNone—Electronic-money top-ups (Suica, PASMO, nanaco, Edy, WAON and others) earn no J-POINT.
J-POINT replaced Oki Doki Points in January 2026. JCB prints '1 point = up to 1 yen': 1 yen through MyJCB Pay and JCB gift cards, 0.8 yen against JCB Travel, and 0.7 yen as cashback to the card bill, at Amazon and for other digital gifts. The cashback value, 0.7 yen, is used. 1 point per 200 yen of the month's total, so 0.35%; twice that overseas after registering. J-POINT Partner shops pay 2 to 20 times with registration and are not modelled. J-POINT Bonus adds 1,000 points at 500,000 yen a year, 2,000 at each further 500,000 to 2,500,000, 6,000 at 3,000,000; not modelled. 11,000 yen a year plus a 1,100 yen issue fee; first year free when applied for online. Fixed: the entry was filed as Visa; JCB issues only on its own network. Source: jcb.co.jp card page, J-POINT pages (仕組み, 使い方 exchange table, 対象とならない利用), read 30 Oct 2026.

Questions people ask

What cashback does the JCBゴールド pay?

0.7% at overseas spend (registered) and 0.35% on everything else.

Is there a cap on the JCBゴールド?

No monthly cap is published on the rates shown here.

What is the annual fee on the JCBゴールド?

JPY 11,000 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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Other Japan cards read off the issuer