Introducing MileCard: Free Diagnostic Tool That Finds Your Optimal Credit Card Just by Entering Annual Spending

Bennu Inc. (Headquarters: Shibuya-ku, Tokyo; CEO: Keita Takagi) has launched the service for MileCard (Maillu Kādo), a mileage return rate diagnostic tool that automatically determines the optimal credit card from over 200 types based on its proprietary net benefit calculation logic. By simply entering your annual spending amount and preferred miles, MileCard compares cards on a pure profit basis—after deducting actual costs such as primary card annual fees, family card fees, and mileage transfer program fees—and freely recommends your personalized No.1 card across major mileage programs including ANA and JAL.

Background | In an era of over 300 million cards, finding 'the one best card for you' is harder than ever

According to statistics from the Japan Credit Association, the number of issued credit cards reached 320.57 million as of March 2025 (*). The number of card types continues to grow annually, and comparison factors such as point return rates, mileage transfer rates, annual fees, and mileage program membership fees are becoming increasingly complex.

Existing credit card comparison websites merely filter and display card specifications—such as return rates, annual fees, and benefits—based on user-defined conditions. They do not offer a precise calculation of 'how many actual miles you can earn based on your annual spending' or 'what your net profit is after deducting hidden costs like annual fees and mileage program fees,' nor do they narrow down to a single recommended card. MileCard was created to fill this gap.

* Japan Credit Association, 'Credit-Related Statistics' (as of March 2025)

Service Overview

MileCard is a free mileage return rate diagnostic tool that instantly determines your optimal card by simply entering your annual spending and preferred miles. Based on the proprietary formula: 'Annual Spending × Enhanced Mileage Return Rate × Value per Mile − Primary Card Annual Fee − Family Card Annual Fee − Mileage Program Fees,' it cross-compares over 200 cards not by catalog specs, but by pure net profit after actual costs. The key differentiator of MileCard is its inclusion of often-overlooked factors such as mileage program annual fees and eligibility for enhanced return rates in its automated calculation.

Diagnostic Process

STEP 1: Set Mileage Preferences — Select your preferred miles (ANA, JAL, other airlines, or no preference) and number of family cards

STEP 2: Enter Annual Spending — Intuitively input your total annual spending using a slider for instant diagnosis

STEP 3: Instant Result — The system automatically calculates and displays your optimal card and score based on the proprietary net benefit logic

Key Features

Ultra-Precise Net Benefit Diagnosis: Automatically factors in not only annual and family card fees but also often-overlooked costs like mileage program fees and conditions for enhanced return rates.

Adjustable Mile Value Based on Usage: Simulate with mile values from ¥1 to ¥5 per mile, depending on usage (daily payments, economy class, business class).

Supports 200+ Cards and Multiple Mile Programs: Covers ANA and JAL miles, as well as other airline miles (e.g., United Airlines), and multi-program cards that allow transfers to both ANA and JAL.

Detailed Filtering by Purpose and User Profile: Personalized diagnostics such as 'business cards only' for entrepreneurs and freelancers, or exclusion of student-targeted cards for younger users.

Completely Free, No Registration Required: Instant diagnosis accessible directly via browser

How MileCard Differs from Typical Credit Card Comparison Sites

Most existing comparison sites merely list card specs without enabling users to calculate their actual net gain based on personal usage. MileCard automatically computes 'how much you truly gain after deducting costs based on your annual spending' and presents a single recommended card.

Comparison Criteria

Typical Comparison Sites

MileCard

Selection Method

List or ranking display

Narrows down to one card based on 'net benefit' using proprietary logic

Mileage Program Annual Fee

Not considered or noted only

Automatically calculated and deducted

Enhanced Rate Eligibility

Not considered or manually checked

Automatically factored in

Variable Mile Value Simulation

Fixed calculation or no feature

Switchable between ¥1, ¥2, ¥5 (e.g., business class equivalent)

Personalization

None (generic rankings)

Optimized by annual spending, family size, mileage goal, and business use

Number of Supported Cards

Only major cards

Over 200 cards covered

Who Benefits Most

Those unsure if their current card is efficiently earning miles

Individuals aiming for business class travel via ANA or JAL award tickets but unsure where to start

Entrepreneurs, freelancers, and self-employed individuals with high annual spending who want to maximize mileage earnings on business expenses

Users holding multiple cards with scattered points, seeking consolidation for efficiency

Students and new professionals choosing their first card wisely

Usage and Pricing

Cost: Completely free

Registration: Not required (accessible directly via browser)

Supported Devices: PC, smartphone, tablet

Diagnosis URL: https://creditcard.ad-grow.jp/

[Operator]

Company: Bennu Inc.

Founded: February 2020

Representative: CEO Keita Takagi

Business: Digital marketing, advertising and media, AIO consulting, post-paid advertising service 'ADGrow', pop-up and event space 'seeen', etc.

Headquarters: the Folks 3C, 2-18-19 Jingumae, Shibuya-ku, Tokyo

URL: https://bennuinc.com/