Diagnosis
Answer five simple questions and we will show three editorial card recommendations with reasons and caution points. This page is built for foreigners and students who want a simpler English starting point.
Starter preview
We score cards using student fit, income fit, residence history, editorial beginner friendliness, and a small rule-based boost.
Recommendation 1
A student-focused option designed for people who want the clearest first step.
Why it fits
Things to watch
Recommendation 2
A popular fee-free starter card often considered by students and first-time applicants.
Why it fits
Things to watch
Recommendation 3
A mainstream no-annual-fee card that works well as an everyday starter option.
Why it fits
Things to watch
How it works
We look at student status, income, visa type, and residence length first.
How it works
Each card gets points for beginner fit, student fit, residence fit, and rule matches.
How it works
You get three practical options plus warnings before you click through.
Need more detail?
After the diagnosis, open the comparison page to review the full table and card detail pages side by side.
FAQ
What the recommendation means and how to use it.
It uses visa type, student status, income, Japanese level, and months in Japan to score and rank the card list.
Use it as a starting point only. The result is editorial, and official issuer requirements always come first.
Warnings highlight friction points such as low income, short residence history, or unclear English support.
