Can I Use Credit Cards Everywhere In Japan?

Can I Use Credit Cards Everywhere In Japan?

If you’re planning a trip to Japan, you might be wondering whether you can use your credit cards everywhere in the country. The answer is, for the most part, yes! Japan is known for being a technologically advanced nation, and this extends to its payment methods. Credit cards are widely accepted in many places, from restaurants and hotels to shops and tourist attractions. However, there are a few exceptions and things to keep in mind when it comes to using your plastic in the Land of the Rising Sun. Let’s explore the ins and outs of using credit cards during your adventures in Japan.

Can I Use Credit Cards Everywhere In Japan?

Major Credit Cards Accepted



American Express


In Japan, the major credit cards that are widely accepted include Visa, Mastercard, American Express, and Discover. These cards are accepted in most establishments, especially in urban areas and popular tourist destinations. Having one of these major credit cards will greatly enhance your convenience and flexibility when it comes to making payments in Japan. Whether you’re shopping at large retail stores, dining at major restaurants, or booking accommodations, you can rely on these credit cards to make your transactions hassle-free.

Usage of Credit Cards in Japan

Limited Acceptance in Certain Areas

While credit cards are widely accepted in Japan, there are still some limitations to keep in mind. In certain areas, particularly in rural and traditional parts of the country, the acceptance of credit cards may be more limited. Small shops and local stores in these areas may only accept cash as the primary form of payment. Therefore, it’s always a good idea to make sure you have enough cash on hand when visiting these areas to avoid any inconveniences.

Cash Dominant Culture

Japan has a cash-dominant culture, with many establishments preferring cash payments over credit cards. This is especially true for smaller businesses, such as food stalls and street vendors, where credit card acceptance may be rare. It’s important to always carry sufficient cash with you, especially when venturing into more traditional and local areas.

Mostly Accepted in Urban Areas

On the other hand, credit cards are widely accepted in urban areas in Japan. Large retail stores, department stores, supermarkets, and major restaurants and cafes are more likely to accept credit card payments. Additionally, hotels, museums, attractions, and electronics and appliance shops typically accept credit cards as a form of payment. In these urban areas, you can rely on your credit cards for most of your transactions.

Rural and Traditional Areas

In rural and traditional areas of Japan, the acceptance of credit cards may be less common. Traditional inns (ryokans), small local shops, and taxis in these areas may only accept cash. It is best to be prepared with enough cash when traveling to these areas to ensure a smooth and hassle-free experience.

Popular Places to Use Credit Cards

Large Retail Stores

When shopping at large retail stores in Japan, you can easily use your credit cards for transactions. Popular retail chains and department stores often accept major credit cards, making it convenient to make purchases for clothing, electronics, household items, and more.

Department Stores

Department stores in Japan are well-known for their wide selection of goods and high-quality products. These establishments usually accept major credit cards, allowing you to shop with ease and take advantage of any discounts or reward programs associated with your credit card.


Supermarkets in Japan are another popular place where credit cards are widely accepted. Whether you’re stocking up on groceries or purchasing daily necessities, you can use your credit card for a seamless transaction at most supermarkets.

Major Restaurants and Cafes

Dining out in Japan is a delightful experience, and many major restaurants and cafes accept credit cards. From traditional Japanese cuisine to international flavors, you can enjoy a diverse range of culinary delights and conveniently pay with your credit card.


Whether you’re staying at a luxurious hotel or a budget-friendly accommodation, most hotels in Japan accept credit cards. This allows for a hassle-free check-in and check-out process, as well as the ability to charge additional expenses to your room if needed.

Museums and Attractions

When exploring Japan’s rich cultural heritage and visiting popular attractions, credit cards are widely accepted at museums and tourist sites. This makes it more convenient to purchase tickets, souvenirs, and other items related to your visit.

Electronics and Appliance Shops

Japan is renowned for its innovative technology and high-quality electronics. When shopping at electronics and appliance shops, you can expect to use your credit card for easy and secure transactions.

Online Shopping

In today’s digital age, online shopping has become increasingly popular. Many online retailers in Japan accept major credit cards, allowing you to conveniently shop from the comfort of your own home or while traveling.

Exceptions and Limitations

Small Shops and Local Stores

While credit cards are widely accepted at larger establishments, smaller shops and local stores in Japan may only accept cash. When visiting these places, it’s important to have enough cash on hand to cover your expenses.

Food Stalls and Street Vendors

Food stalls and street vendors in Japan typically operate on a cash-only basis. These small vendors often don’t have the infrastructure or technology to accept credit card payments. It’s best to carry cash when indulging in the delicious street food Japan has to offer.

Public Transportation

While public transportation in Japan is efficient and reliable, most methods of transport, such as buses and trains, only accept cash. It’s important to have coins and bills readily available for fare payments when using public transportation.

Vending Machines

Vending machines are a ubiquitous sight in Japan, offering a wide range of beverages, snacks, and even hot meals. However, most vending machines only accept cash, so it’s essential to have coins or small bills on hand.

Traditional Inns and Ryokans

Traditional inns, known as ryokans, provide a unique cultural experience for visitors to Japan. However, many ryokans only accept cash as payment. It’s essential to check with the ryokan beforehand and make sure you have enough cash for your stay.


While credit card payment options are becoming more available in major cities, such as Tokyo, credit cards are still not widely accepted as a form of payment for taxis in Japan. It’s best to always carry enough cash for taxi rides, or use alternative methods such as IC cards or pre-arranged transportation options.

Can I Use Credit Cards Everywhere In Japan?

Useful Tips for Credit Card Usage

Carry Sufficient Cash

To navigate the cash-dominant culture in Japan, it’s essential to carry enough cash with you. While credit cards are widely accepted in many establishments, having cash on hand ensures you can smoothly make payments, especially in areas where credit card acceptance is limited.

Inform Your Bank and Credit Card Provider

Before traveling to Japan, it’s important to inform your bank and credit card provider about your travel plans. This helps prevent any potential issues with your cards being flagged for suspicious activity. Additionally, it’s a good idea to have the bank’s emergency contact information, in case you encounter any problems during your trip.

Carry Multiple Cards

It’s always a good idea to have multiple credit cards with you when traveling. This provides a backup option in case one card is lost, stolen, or declined. Having multiple cards also offers more flexibility if certain cards are not accepted in certain establishments.

Ensure Your Card is Accepted

While Visa, Mastercard, American Express, and Discover are widely accepted in Japan, it’s still important to check whether your specific credit card is accepted at the establishment you plan to visit. This can help avoid any surprises or inconveniences when it comes time to make a payment.

Learn Basic Japanese Phrases

While many establishments in Japan have staff who can communicate in English, it’s always helpful to learn basic Japanese phrases to assist with credit card transactions. Simple phrases such as “Can I pay with a credit card?” or “Do you accept credit cards?” can come in handy and make communication easier.

Transactions and Payment Process

Chip-and-PIN vs Magnetic Stripe

In Japan, credit cards with chip-and-PIN technology are the most commonly used. Most establishments have upgraded their payment systems to accept chip-and-PIN cards, which provide an added layer of security compared to magnetic stripe cards. However, some places may still accept magnetic stripe cards, particularly at smaller establishments or in more rural areas.

Contactless Payments

Contactless payment methods, such as mobile payments or IC cards, are becoming increasingly popular in Japan. With the use of smartphones or contactless cards like Suica or Pasmo, you can make payments quickly and securely without needing to insert or swipe your credit card.

Currency Conversion

When using your credit card for payments in Japan, it’s important to be aware of the currency conversion rates. Some credit cards may charge additional fees for foreign transactions or offer less favorable conversion rates. It’s recommended to check with your credit card provider before your trip to understand any potential fees or charges.

Can I Use Credit Cards Everywhere In Japan?

ATM Access for Credit Cards

Convenience Store ATMs

Convenience stores, such as 7-Eleven, Lawson, and FamilyMart, often have ATMs that accept international credit cards. These ATMs are typically available 24/7 and provide a convenient option for withdrawing cash or checking your account balance.

Post Office ATMs

Japan Post Office ATMs also accept international credit cards and offer similar services to convenience store ATMs. Post offices are widespread throughout the country, making it easy to access cash or conduct banking transactions if needed.

ATMs at Major Banks

Major banks in Japan, such as Mizuho Bank, SMBC, and Mitsubishi UFJ Bank, provide ATMs that accept international credit cards. These ATMs are typically accessible during banking hours and offer various services for travelers, including cash withdrawals and balance inquiries.

International ATMs

In addition to the options mentioned above, some international ATMs can be found in major cities and tourist areas. These ATMs are specifically designed to accept foreign cards and provide English language options, making them a convenient choice for travelers.

Advantages of Using Credit Cards in Japan


Using a credit card in Japan offers convenience, especially in urban areas where credit card acceptance is more widespread. You can make purchases without worrying about carrying large amounts of cash and easily track your transactions.


Credit cards provide a level of security when making transactions in Japan. With features such as chip-and-PIN technology and fraud protection measures, using a credit card can help protect against unauthorized charges and provide peace of mind.


When using a credit card in Japan, every transaction is recorded on your credit card statement. This makes it easier to keep track of your expenses and manage your budget while traveling.

Cashback and Rewards

Many credit cards offer cashback or rewards programs, allowing you to earn points or receive discounts on your purchases in Japan. By using your credit card for transactions, you can take advantage of these benefits and potentially save money.

Currency Conversion Rates

Credit cards often offer competitive currency conversion rates compared to exchanging cash at local currency exchange centers or airports. This can result in significant savings, especially for larger purchases or expenses during your trip.

Can I Use Credit Cards Everywhere In Japan?

Prepaid Travel Cards

IC Cards

IC cards, such as Suica and Pasmo, are prepaid travel cards that can be used for various modes of transportation within Japan. These cards can also be used for small purchases at convenience stores and vending machines, offering a convenient alternative to cash.

Pasmo and Suica

Pasmo and Suica are two of the most popular IC cards in Japan. These cards can be easily topped up with funds and used for seamless travel on trains, subways, buses, and even some taxis in major cities.

JR Pass

The Japan Rail Pass (JR Pass) is a prepaid travel ticket that allows unlimited travel on Japan Railways (JR) lines for a specified duration. This pass is a popular option for tourists and can be purchased before arriving in Japan. With the JR Pass, you don’t need to worry about individual ticket purchases and can easily travel around the country.

Japan Rail Pass

Similar to the JR Pass, the Japan Rail Pass (JRP) is a prepaid travel ticket designed specifically for foreign tourists. It offers unlimited travel on JR trains, including the high-speed Shinkansen, for a fixed period of time. The JRP provides convenience and flexibility for exploring different regions of Japan.

Planning Your Payment Methods

Balance of Cash and Cards

When planning your payment methods for Japan, it’s important to strike a balance between carrying sufficient cash and having your credit cards on hand. This ensures that you can make payments regardless of the establishment’s payment preferences.

Notification Alerts

Before using your credit card in Japan, set up notification alerts through your bank or credit card provider. These alerts will notify you of any transactions made on your card, helping you quickly detect any unauthorized activities.

Emergency Cash Options

In case of emergencies or unforeseen circumstances, it’s wise to have emergency cash options available. This can include keeping a separate stash of cash in a secure location or having a backup source of funds, such as a prepaid travel card or access to international ATMs.

Researching Merchant Acceptance

Before traveling to Japan, it’s helpful to research the merchant acceptance of credit cards in the specific areas you plan to visit. This can help you determine if you need to carry more cash or if your credit card will be widely accepted.

Alternative Payment Methods

Besides credit cards and cash, Japan offers various alternative payment methods that can enhance your convenience. These include mobile payment apps, such as Apple Pay or Google Pay, and QR code-based payment systems like Line Pay or PayPay. Researching and familiarizing yourself with these alternative methods can give you more flexibility for making payments during your trip.

In conclusion, while credit cards are widely accepted in many establishments in Japan, it’s essential to have cash on hand, especially in rural and traditional areas. Knowing where credit cards are accepted, planning your payment methods, and understanding the limitations will help ensure a smooth and enjoyable experience while making transactions in Japan. By following these tips and being prepared, you can fully embrace the convenience and benefits of using credit cards in the Land of the Rising Sun.

Can I Use Credit Cards Everywhere In Japan?

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