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メルカード (Mercard) cashback rate, cap and annual fee

メルカード (Mercard) pays 4% at Mercari and Mercari Shops, top tier — on the first JPY 125,000 you spend on it each month, which is where the JPY 5,000 cap stops it.

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.

Merpay · Japan · catalogue v121

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

NoneAnnual fee
4%Best rate

What it pays, by category

SpendingRateMonthly cap
Mercari and Mercari Shops, top tieronline and delivery4.00%JPY 5,000reached at JPY 125,000 of spend4% on Mercari and Mercari Shops at the top tier: a purchase, a listing and a Merpay payment in the half-year, and 1,000,000 yen of Mercari purchases a
Mercari and Mercari Shops, lowest tieronline and delivery1.10%JPY 5,000reached at JPY 454,500 of spend1.1% on Mercari and Mercari Shops purchases at the lowest tier. 5,000 points a month each for Mercari and Mercari Shops.
everything else1.00%—1% in Mercari points everywhere outside Mercari, uncapped; 1 point = 1 yen.
1% everywhere outside Mercari; on Mercari and Mercari Shops 1.1% to 4.0%, set every six months (1 Apr, 1 Oct) by the last half-year's purchases, sales, listings and Merpay use, with 5,000 points a month each for Mercari and Mercari Shops. Some Mercari items earn a fixed 1%. Points are spent at 1 point = 1 yen. The 8th-of-the-month extra 8% (entry needed, 300 points) is a promotion and is left out. Fixed: the entry was filed as Visa; Mercard is a JCB card, issued by Merpay. No annual fee. Source: merpay.com メルカード page and Mercari help article 1868 (還元率の決定条件), read 30 Oct 2026.

Questions people ask

What cashback does the メルカード (Mercard) pay?

4% at Mercari and Mercari Shops, top tier, 1.1% at Mercari and Mercari Shops, lowest tier and 1% on everything else. The top rate is capped at JPY 5,000 a month.

Is there a cap on the メルカード (Mercard)?

Yes. mercari and mercari shops, top tier is capped at JPY 5,000 a month; mercari and mercari shops, lowest tier is capped at JPY 5,000 a month.

What is the annual fee on the メルカード (Mercard)?

No annual fee.

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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