<First Announcement> 2026 Oricon Customer Satisfaction® Survey: Corporate Credit Card Ranking | Supervised by Consumer Life Journalist Akio Iwata! Evaluated by 40 Experts

Oricon Inc. (Headquarters: Minato-ku, Tokyo; President and CEO: Koichi Koike; abbreviated as Oricon) announced the results of its expert evaluation survey for 'Corporate Cards: Annual Fee Free / Corporate Cards / Corporate Cards Gold / Corporate Cards Platinum', conducted by its group company, oricon ME Co., Ltd., targeting financial professionals, on its 'Oricon Customer Satisfaction®' official website at 2:00 PM on Wednesday, April 1, 2026. The ranking results are as follows:

**《TOPICS》**

**'Corporate Card Annual Fee Free (Expert Evaluation)'**

■【UPSIDER Card】and【Bakuraku Business Card】Tie for Overall 1st Place

■【Biz ONE】at Overall 4th Place Ranks 1st in 'Points/Miles' Evaluation Category

**'Corporate Card (Expert Evaluation)'**

■Overall 1st Place: 【Corporate Payment Luxury Card Mastercard® Titanium Card™】 Also Ranks 1st in 'Ancillary Services'

■【Air Card】at Overall 6th Place Ranks 1st in 'Points/Miles'

**'Corporate Card Gold (Expert Evaluation)'**

■Overall 1st Place: 【Corporate Payment Luxury Card Mastercard® Black Card™】 Also Ranks 1st in 2 Other Categories

■【Sumitomo Mitsui Card Business Owners Gold】at Overall 2nd Place Ranks 1st in 'Cost Performance'

**'Corporate Card Platinum (Expert Evaluation)'**

■Overall 1st Place: 【Corporate Payment Luxury Card Mastercard® Gold Card™】 Also Ranks 1st in 'Points/Miles'

■【American Express® Business Platinum Card】at Overall 2nd Place Ranks 1st in 'Ancillary Services'

**■Background of the Ranking Announcement**

In recent years, driven by the need for more efficient expense management and the advancement of cashless transactions, the issuance of corporate credit cards has been on the rise, with companies continuously enhancing their services. While the options are expanding, corporate cards vary in their medium-to-long-term costs and convenience depending on whether they have an annual fee and their service details, making pre-introduction comparison and consideration crucial. In response to this market environment and increasing corporate needs, this ranking has been announced.

**■Supervisor: Akio Iwata (Consumer Life Journalist)** *Details provided below*

**■What is Expert Evaluation?**

This ranking is based on evaluations by 40 financial professionals (holders of financial qualifications such as Certified Financial Planner (1st/2nd grade), CFP®/AFP, Securities Broker (1st/2nd grade), Social Insurance Labor Consultant, and experts in the financial and credit card fields) who served as survey subjects, on various items for each ranking category.

## **'Corporate Card Annual Fee Free (Expert Evaluation)'**

### ■【UPSIDER Card】and【Bakuraku Business Card】Tie for Overall 1st Place

In this inaugural announcement, the 'Corporate Card Annual Fee Free (Expert Evaluation)' ranking saw 【UPSIDER Card】and【Bakuraku Business Card】tie for overall 1st place.

In terms of evaluation items, 【UPSIDER Card】ranked 1st in 'Service Quality', and 【Bakuraku Business Card】ranked 1st in 'Ancillary Services'.

**～General Comments from Akio Iwata (Excerpts)～**

【UPSIDER Card】is a corporate credit card designed for growing companies and pre-IPO companies, with its annual fee being free as a major feature. Not only the main card but also additional cards are free for life, and there is no limit to the number of cards that can be issued, allowing for flexible issuance of employee cards as needed.

Furthermore, the point reward rate for 【UPSIDER Card】is a high 1% to 1.5% for a corporate card, and the earned points are automatically cashed back the following month.

Additionally, the credit limit can be set up to a maximum of 1 billion yen, which is a very large payment framework compared to the several million yen of general corporate cards. Therefore, it is a corporate card with significant benefits for growing companies and startups that are prone to large expenditures such as advertising and marketing costs.

### ■【Sumitomo Mitsui Card Business Owners】Ranks 3rd Overall

【Sumitomo Mitsui Card Business Owners】ranked 3rd overall. It secured 2nd place in the 'Ancillary Services' and 'Service Quality' evaluation items.

Experts commented on the 'quality of services, including point rewards and employee benefits'.

In addition to receiving up to a 1.5% reward on specific purchases by holding it alongside a personal card, its security features due to its numberless design are also highly rated.

### ■【Biz ONE】at Overall 4th Place Ranks 1st in 'Points/Miles'

【Biz ONE】, ranking 4th overall, secured 1st place in 'Points/Miles'.

Experts pointed to 'the increased point reward rate when using affiliated stores' and 'the improved point system making it easier to earn points even on small transactions' as key evaluation points.


'Corporate Card Annual Fee Free (Expert Evaluation)' Evaluation Item Ranking Results Here:
https://life.oricon.co.jp/rankexpert-b2b-credit-card/free-annual/


## **'Corporate Card (Expert Evaluation)'**

### ■Overall 1st Place: 【Corporate Payment Luxury Card Mastercard® Titanium Card™】

### ■Also 1st Place in 'Ancillary Services'

In the 'Corporate Card (Expert Evaluation)' ranking, 【Corporate Payment Luxury Card Mastercard® Titanium Card™】achieved overall 1st place. It also secured 1st place in 'Ancillary Services' by evaluation item.

**～General Comments from Akio Iwata (Excerpts)～**

Luxury Card's 【Corporate Payment Luxury Card Mastercard® Titanium Card™】has been ranked 1st. This corporate card is recommended for sole proprietors and young owners of small to medium-sized enterprises, with an annual fee of 55,000 yen (tax included). It features a unique Japanese first metal, vertical design, and its members are predominantly young, with about 70% in their 20s to 40s. Events for owners to network are also provided, making it popular among those looking to expand their business network. Furthermore, the inclusion of Priority Pass provides significant benefits for those who frequently travel abroad for business or leisure.

### ■【Money Forward Business Card】at Overall 2nd Place Ranks 1st in 'Cost Performance'

Overall 2nd place was awarded to 【Money Forward Business Card】. It secured 1st place in 'Cost Performance' by evaluation item. Experts praised 'the ability to streamline accounting tasks by integrating with Money Forward Cloud' and 'the ease of payment management by leveraging card usage data'. Its high point reward rate, despite being free of an annual fee, was also evaluated positively.

### ■【Air Card】at Overall 6th Place Ranks 1st in 'Points/Miles'

【Air Card】, ranking 6th overall, secured 1st place in 'Points/Miles' by evaluation item, with a margin of 3.2 points over 2nd place. Experts highlighted 'the high basic point reward rate (Recruit Points) of 1.5%' as a key factor. The points earned can be exchanged for d points or Ponta points, demonstrating its convenience.


'Corporate Card (Expert Evaluation)' Evaluation Item Ranking Results Here:
https://life.oricon.co.jp/rankexpert-b2b-credit-card/general/


## **'Corporate Card Gold (Expert Evaluation)'**

### ■Overall 1st Place: 【Corporate Payment Luxury Card Mastercard® Black Card™】 Also Ranks 1st in 2 Other Categories

In the 'Corporate Card Gold (Expert Evaluation)' ranking, 【Corporate Payment Luxury Card Mastercard® Black Card™】achieved overall 1st place. It also secured 1st place in 'Points/Miles' and 'Ancillary Services' by evaluation item.

**～General Comments from Akio Iwata (Excerpts)～**

The 1st place 【Corporate Payment Luxury Card Mastercard® Black Card™】 has a high annual fee of 110,000 yen (tax included), but its services are extensive in return.

The point reward rate is a high 1.25% among corporate cards, offering significant benefits particularly for executives who use their cards frequently for entertainment or business trips. Furthermore, it features a service that provides limousine pick-up when using designated restaurants, offering a special experience.

### ■【Sumitomo Mitsui Card Business Owners Gold】at Overall 2nd Place Ranks 1st in 'Cost Performance'

【Sumitomo Mitsui Card Business Owners Gold】, ranking 2nd overall, secured 1st place in 'Cost Performance' by evaluation item.

Experts highly praised 'the content of benefits such as continuous bonus points' and 'the fact that the annual fee can be waived from the following year onwards upon meeting certain conditions'. Its ability to reduce expenditure while minimizing the effort of point management through cashback was also evaluated positively, making it a well-balanced and highly valuable card.

### ■【American Express® Business Gold Card】 Ranks 3rd Overall

The 3rd place overall was awarded to 【American Express® Business Gold Card】. It ranked 2nd in 'Ancillary Services' by evaluation item.

Key features include benefits that aid in operational efficiency, such as data linkage with accounting software, and the ability to issue up to 99 additional cards. It also offers comprehensive ancillary services for employees, such as free VIP membership for the 'Club Off' employee benefit service. Experts provided feedback such as 'ancillary services, from concierge services to various benefits, are extensive'.