<First Announcement> 2026 Oricon Customer Satisfaction® Survey Personal Credit Card Rankings ┃ Supervised by Consumer Life Journalist Akio Iwata! Evaluated by 40 Experts

Oricon Inc. (Headquarters: Minato-ku, Tokyo; Representative Director and President: Hisashi Koike; Abbreviation: Oricon), through its group company oricon ME Inc., announced the results of an expert evaluation survey on 'Credit Cards: Annual Fee-Free / Credit Cards / Gold Cards / Platinum Cards' conducted for financial professionals. The results were released on the 'Oricon Customer Satisfaction®' official website on Wednesday, April 1, 2026, at 2 PM. The ranking results are as follows: **《TOPICS》** **'Credit Cards: Annual Fee-Free (Expert Evaluation)'** - [Rakuten Card] took first place overall, also ranking first in "Points/Miles" and "Service Quality." - [JCB Card S], ranked 8th overall, secured first place in the "Supplementary Services" evaluation category. **'Credit Cards (Expert Evaluation)'** - [Bic Camera Suica Card] and [Rakuten ANA Mileage Club Card] tied for first place overall. - [American Express® Green Card], ranked 3rd overall, secured first place in "Supplementary Services." **'Gold Cards (Expert Evaluation)'** - [American Express® Gold Preferred Card] took first place overall, also ranking first in "Supplementary Services." - [Sumitomo Mitsui Card Gold Numberless (NL)], ranked 7th overall, secured first place in "Cost Performance." **'Platinum Cards (Expert Evaluation)'** - [d Card PLATINUM] took first place overall. - [Olive Flexible Pay (Platinum Preferred)], ranked 7th overall, secured first place in "Points/Miles." **** In recent years, the issuance of high-value credit cards, including platinum cards, has been on the rise, driven by enhanced benefits and status, with each company improving its products. While options are expanding, these cards incur high annual fees in the medium to long term, making careful comparison and consideration before contracting crucial. Given this market environment and growing user needs, this ranking has been announced. **■Supervisor: Akio Iwata (Consumer Life Journalist)** *Details below* **■What is Expert Evaluation?** This ranking is based on evaluations by 40 financial professionals (holders of financial qualifications such as Financial Planning Specialist (Level 1/2), CFP®/AFP, Securities Sales Representative (Class 1/2), Social Insurance Labor Consultant, and experts in finance/credit card fields) on the items of each ranking. ## **'Credit Cards: Annual Fee-Free (Expert Evaluation)'** ### **■[Rakuten Card] took first place overall, also ranking first in "Points/Miles" and "Service Quality."** In its first announcement, the "Credit Cards: Annual Fee-Free (Expert Evaluation)" ranking saw **[Rakuten Card] take first place overall.** In terms of evaluation categories, it received high marks, ranking **first in two categories: "Points/Miles" and "Service Quality."** **~Summary comment from Akio Iwata (excerpt)~** The most highly rated card was **[Rakuten Card].** The merits of **[Rakuten Card]** are that it has no annual fee, so there's no burden, and it earns essentially 1 point for every 100 yen spent, resulting in a high 1% return rate. Especially when shopping at Rakuten Ichiba, it's worth being mindful of the SPU (Super Point Up Program). If utilized well, the return rate can be more than triple, making it very economical. Furthermore, accumulated points can be used at Rakuten Ichiba, Rakuten Travel, Rakuten Pay, and affiliated stores in town, making it highly convenient. ### **■[JCB CARD W] ranked 2nd overall, [JCB CARD W plus L] ranked 3rd overall.** **[JCB CARD W]** ranked 2nd overall. It also secured 2nd place in all three evaluation categories: "Points/Miles," "Supplementary Services," and "Service Quality." **[JCB CARD W plus L]**, ranked 3rd overall, also ranked 3rd in the three evaluation categories: "Points/Miles," "Supplementary Services," and "Service Quality," receiving consistently high evaluations across all categories. Experts praised both cards for their 1% point return and bonus points at specific stores, as well as supplementary services like overseas travel insurance and shopping compensation. The fact that the point return rate is double that of general cards for those under 39 at enrollment, and high returns at partner stores like Amazon and Starbucks, were also highly evaluated. ### **■[JCB Card S], ranked 8th overall, secured first place in the "Supplementary Services" evaluation category.** **[JCB Card S]**, ranked 8th overall, **secured first place in "Supplementary Services."** Experts who evaluated this service commented on its strong benefits from the member-exclusive benefits service "Club Off." A key feature is that "Club Off," typically provided as part of corporate welfare or member services, can be used with no annual fee. Click here for the results of the 'Credit Cards: Annual Fee-Free (Expert Evaluation)' category rankings: https://life.oricon.co.jp/rankexpert-credit-card/free-annual/ ## **'Credit Cards (Expert Evaluation)'** ### **■[Bic Camera Suica Card] and [Rakuten ANA Mileage Club Card] tied for first place overall.** In the "Credit Cards (Expert Evaluation)" ranking, **[Bic Camera Suica Card] and [Rakuten ANA Mileage Club Card] tied for first place overall.** In terms of evaluation categories, **[Bic Camera Suica Card]** secured **first place in two categories: "Points/Miles" and "Cost Performance." [Rakuten ANA Mileage Club Card]** also placed in the top 3 in three categories: "Points/Miles," "Cost Performance," and "Supplementary Services," receiving consistently high evaluations. **~Summary comment from Akio Iwata (excerpt)~** I was particularly impressed by the **[Bic Camera Suica Card].** A major feature is that you can charge the IC card with your credit card and use it directly for train and bus travel. Accumulated points can be used to purchase home appliances, computer-related products, and even game software, making it a card that allows you to naturally feel the benefits in your daily life. And the **[Rakuten ANA Mileage Club Card]**, which also took first place, is suitable for the so-called "mileage runners" who choose the ANA mileage course, accumulate ANA miles through daily shopping, and enjoy overseas travel during their vacations. Its feature is the ease of accumulating miles through everyday purchases. This result reaffirmed that payment methods themselves are shaping lifestyles, as daily payments lead directly to enjoyment in travel, shopping, and even leisure. ### **■[American Express® Green Card], ranked 3rd overall, secured first place in "Supplementary Services."** **[American Express® Green Card]**, ranked 3rd overall, secured **first place in "Supplementary Services" with a 4.9-point difference** from the second place. Experts who evaluated this service commented that "its preferential services are extensive, such as one free meal for one person at designated restaurants and lounge access." Although the monthly fee is relatively high, it features supplementary services such as domestic and overseas travel accident insurance (usage-based) and various protections. Additionally, points can be transferred to miles, and by joining "Membership Rewards® Plus," higher returns can be expected. Click here for the results of the 'Credit Cards (Expert Evaluation)' category rankings: https://life.oricon.co.jp/rankexpert-credit-card/general/ ## **'Gold Cards (Expert Evaluation)'** ### **■[American Express® Gold Preferred Card] took first place overall, also ranking first in "Supplementary Services."** In the "Gold Cards (Expert Evaluation)" ranking, **[American Express® Gold Preferred Card] took first place overall.** It also secured **first place in the "Supplementary Services" evaluation category.** **~Summary comment from Akio Iwata (excerpt)~** **[American Express® Gold Preferred Card]** was selected as the No. 1. In particular, the evaluation of supplementary services such as airport lounge service "Priority Pass" and restaurant benefits was high, making it a card with typical Amex characteristics, strong in travel and entertainment fields. ### **■[au PAY Gold Card] ranked 2nd overall and first in "Points/Miles"; [d Card GOLD] ranked 3rd overall.** **[au PAY Gold Card]**, ranked 2nd overall, secured **first place in the "Points/Miles" evaluation category.** Experts who evaluated this service commented that "the strength of its point ecosystem and a maximum 10% return on au mobile phone charges are attractive." For au users, it's easy to accumulate Ponta points efficiently through mobile phone payments and even through charging au PAY balance. This is a key feature. Furthermore, **[d Card GOLD]** ranked 3rd overall, also placing in the top 3 for "Points/Miles" and "Supplementary Services," receiving high evaluations. Experts commented that "in addition to the basic return rate, the comprehensive compensation for smartphones is attractive." It also features point accumulation for mobile phone and fiber optic line payments, and robust support such as mobile phone loss compensation and shopping compensation. ### **■[Sumitomo Mitsui Card Gold Numberless (NL)], ranked 7th overall, secured first place in "Cost Performance."