PayperWIZ

Which credit card pays the most on government in Japan?

Of the cards whose terms were read off the issuer, PayPayカード (PayPay Card) (PayPay Card) publishes the highest rate on government in Japan: 0.50% (no annual fee). This is a ranking of published rates, not a recommendation to apply.

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.

2 read cards · Japan · government

The answer, from 2 read cards

Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.

Read cards in Japan by their published rate on government, with what limits each one.
#ReturnCard
10.50%PayPayカード (PayPay Card)checkedPayPay Card · no annual fee · checked 12 Sep 2026
20.20%楽天カード (Rakuten Card)checkedRakuten · no annual fee · checked 12 Sep 2026
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 1 other card in the catalogue publishes a rate on government that nobody has yet read off the issuer, and is not listed here at all. Points and miles are valued at the redemption rate the programme publishes, the rate anyone can take rather than the best one after a transfer. A rate that covers only part of government — one chain of shops, one kind of merchant — is shown with what it covers and is not ranked, because it is not what the card pays on government.

The right card depends on what you have already spent.

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 whether it was read off the issuer, and none is made up.

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