[Original Survey] Aeon Card User Questionnaire_2026
Advisor Navi Inc. conducted a survey of 408 Aeon Card users aged 20-70, revealing that only 32.4% use Aeon Card as their main card, while 67.6% hold it as a sub-card. Among sub-card users, Rakuten Card was the main card for over half, and the primary reasons for choosing Aeon Card were its free annual fee and benefits at Aeon Group.
📋 Article Processing Timeline
- 📰 Published: May 1, 2026 at 18:30
- 🔍 Collected: May 1, 2026 at 10:01
- 🤖 AI Analyzed: May 2, 2026 at 01:21 (15h 19m after Collected)
Advisor Navi Inc. conducted a "Survey on the Actual Usage of Aeon Card" targeting 408 men and women aged 20-70 who hold Aeon Cards. This time, we present a summary of real user voices, covering reasons for choosing the card, actual usage, points of satisfaction, and points of concern.
Survey Results Highlights
- 32.4% use it as their main card. The remaining 67.6% hold it as a sub-card, and among them, 53.3% had Rakuten Card as their main card.
- The top reason for choosing was "free annual fee" (76.0%), followed by "benefits at Aeon Group" (50.5%), and "WAON is convenient" (32.6%).
- Overall satisfaction was 58.9% for "satisfied" or higher. However, the evaluation varied significantly depending on usage, with main users at 74.2% and sub-users at 51.4%.
- The average recommendation score (out of 10) was 6.6 points. Heavy users who use it 3 or more times a week scored higher at 7.4 points.
- Monthly usage amount was most frequently "less than 10,000 yen" at 40.7%. For main users, 53.7% spent 30,000 yen or more, while for sub-users, it was 12.0%.
Survey Highlights_Main vs. Sub Satisfaction Comparison (n=408)
How many people use Aeon Card as their "main card"?
Q5_Is Aeon Card your main card? (n=408)
When asked, "Is Aeon Card your most frequently used credit card?", 32.4% (132 people) answered "Aeon Card is my main card." On the other hand, 67.6% (276 people) answered "Other than Aeon Card is my main card." This reveals that two out of three people who own an Aeon Card use another card as their main card.
So, what do the sub-card users use as their main card?
Q6_Top 10 Main Cards of Sub-Users (n=276)
When asked about the main cards of 276 sub-users, the most common was "Rakuten Card" at 53.3% (147 people). This was followed by "PayPay Card" at 7.2%, and "Rakuten Gold Card" and "Sumitomo Mitsui Card (NL)" each at 4.0%.
Rakuten-affiliated cards (Rakuten Card + Rakuten Gold) alone accounted for 57.3%, more than half, suggesting that the usage pattern of "main card prioritizing point redemption rate × sub-card for specific uses with Aeon benefits" has become standard.
"It's difficult to make it my main card as it stands. All my payments go through my current main Rakuten Card, and points accumulate there. It would be difficult without significant benefits and the hassle of changing it." (Male, 60s, sub-user)
"For normal use, Rakuten Card has a higher redemption rate and accumulates points more easily, so I use Aeon Card as a sub-card." (Male, 50s, sub-user)
For heavy Rakuten users, the reason for holding an Aeon Card seems to be more about "having it because it can be used at Aeon Group stores" rather than "switching over."
Top 5 Reasons for Choosing Aeon Card
Q11_Top 5 Reasons for Choosing Main Aeon Card (n=408, multiple answers allowed)
When asked for the top 3 reasons for choosing Aeon Card as their main card, the results were as follows:
Free (or cheap) annual fee: 76.0%
Benefits at Aeon Group (specific days, discounts, etc.): 50.5%
WAON is convenient (auto-charge, etc.): 32.6%
Aeon (affiliated stores) are in my living area: 27.0%
Attractive enrollment benefits/campaigns: 14.7%
The top reason, "free annual fee," was overwhelming, chosen by three out of four people. Next, "benefits at Aeon Group" was cited by 50.5%, or half of the people, as a reason for discounts and benefits at Aeon-affiliated stores.
Comparing main users and sub-users here, "free annual fee" was 79.5% for main and 74.3% for sub, and "benefits at Aeon Group" was 51.5% for main and 50.0% for sub, showing almost no difference. This suggests that while the reasons for choosing are similar, satisfaction levels vary depending on usage.
"When I aim for 5% off days at Aeon and buy in bulk, my family's food expenses are quite reduced, and the automatic accumulation of points with WAON auto-charge is also subtly pleasing. I don't think there are many other cards with so many benefits for a free annual fee." (Male, 30s, main user)
"It costs nothing to maintain with a free annual fee, and the ease of accumulating points when shopping at Aeon, as well as the discount benefits, are useful in daily life." (Female, 30s, sub-user)
Actually, how much do people spend with Aeon Card monthly?
Q8_Monthly Usage Amount of Main Aeon Card (n=408)
When asked about monthly usage amounts, the most common was "less than 10,000 yen" at 40.7%. This was followed by "10,000-29,999 yen" at 34.1%, and "30,000-49,999 yen" at 13.5%. One in three people
Survey Results Highlights
- 32.4% use it as their main card. The remaining 67.6% hold it as a sub-card, and among them, 53.3% had Rakuten Card as their main card.
- The top reason for choosing was "free annual fee" (76.0%), followed by "benefits at Aeon Group" (50.5%), and "WAON is convenient" (32.6%).
- Overall satisfaction was 58.9% for "satisfied" or higher. However, the evaluation varied significantly depending on usage, with main users at 74.2% and sub-users at 51.4%.
- The average recommendation score (out of 10) was 6.6 points. Heavy users who use it 3 or more times a week scored higher at 7.4 points.
- Monthly usage amount was most frequently "less than 10,000 yen" at 40.7%. For main users, 53.7% spent 30,000 yen or more, while for sub-users, it was 12.0%.
Survey Highlights_Main vs. Sub Satisfaction Comparison (n=408)
How many people use Aeon Card as their "main card"?
Q5_Is Aeon Card your main card? (n=408)
When asked, "Is Aeon Card your most frequently used credit card?", 32.4% (132 people) answered "Aeon Card is my main card." On the other hand, 67.6% (276 people) answered "Other than Aeon Card is my main card." This reveals that two out of three people who own an Aeon Card use another card as their main card.
So, what do the sub-card users use as their main card?
Q6_Top 10 Main Cards of Sub-Users (n=276)
When asked about the main cards of 276 sub-users, the most common was "Rakuten Card" at 53.3% (147 people). This was followed by "PayPay Card" at 7.2%, and "Rakuten Gold Card" and "Sumitomo Mitsui Card (NL)" each at 4.0%.
Rakuten-affiliated cards (Rakuten Card + Rakuten Gold) alone accounted for 57.3%, more than half, suggesting that the usage pattern of "main card prioritizing point redemption rate × sub-card for specific uses with Aeon benefits" has become standard.
"It's difficult to make it my main card as it stands. All my payments go through my current main Rakuten Card, and points accumulate there. It would be difficult without significant benefits and the hassle of changing it." (Male, 60s, sub-user)
"For normal use, Rakuten Card has a higher redemption rate and accumulates points more easily, so I use Aeon Card as a sub-card." (Male, 50s, sub-user)
For heavy Rakuten users, the reason for holding an Aeon Card seems to be more about "having it because it can be used at Aeon Group stores" rather than "switching over."
Top 5 Reasons for Choosing Aeon Card
Q11_Top 5 Reasons for Choosing Main Aeon Card (n=408, multiple answers allowed)
When asked for the top 3 reasons for choosing Aeon Card as their main card, the results were as follows:
Free (or cheap) annual fee: 76.0%
Benefits at Aeon Group (specific days, discounts, etc.): 50.5%
WAON is convenient (auto-charge, etc.): 32.6%
Aeon (affiliated stores) are in my living area: 27.0%
Attractive enrollment benefits/campaigns: 14.7%
The top reason, "free annual fee," was overwhelming, chosen by three out of four people. Next, "benefits at Aeon Group" was cited by 50.5%, or half of the people, as a reason for discounts and benefits at Aeon-affiliated stores.
Comparing main users and sub-users here, "free annual fee" was 79.5% for main and 74.3% for sub, and "benefits at Aeon Group" was 51.5% for main and 50.0% for sub, showing almost no difference. This suggests that while the reasons for choosing are similar, satisfaction levels vary depending on usage.
"When I aim for 5% off days at Aeon and buy in bulk, my family's food expenses are quite reduced, and the automatic accumulation of points with WAON auto-charge is also subtly pleasing. I don't think there are many other cards with so many benefits for a free annual fee." (Male, 30s, main user)
"It costs nothing to maintain with a free annual fee, and the ease of accumulating points when shopping at Aeon, as well as the discount benefits, are useful in daily life." (Female, 30s, sub-user)
Actually, how much do people spend with Aeon Card monthly?
Q8_Monthly Usage Amount of Main Aeon Card (n=408)
When asked about monthly usage amounts, the most common was "less than 10,000 yen" at 40.7%. This was followed by "10,000-29,999 yen" at 34.1%, and "30,000-49,999 yen" at 13.5%. One in three people