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Travel money guide: Japan

Despite living in a world where everyone is paying with credit or debit cards, Japan is still very much a cash society.

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Whether you’re visiting the islands of Japan for business or pleasure, you can save money by using travel-friendly plastic while you’re there. Here we’ll look at the travel cards, credit cards and debit cards most suited to use in Japan.

How much ¥en do I need to bring?

Budget (Cheap)Mid-rangeLuxury (High-end)
to-sleepDorm bed
$25
Double room at a business hotel
$110
Double room at an upscale hotel
$600+
foodSet meal at casual restaurant
$8
Dinner at an izakaya (Japanese-style pub)
$40
Meal at a good sushi restaurant
$150
cameraOne temple or museum entry
$10
Half day sightseeing tour
$45
Private seven day tour of Japan: Tokyo, Mt. Fuji, Kyoto, Osaka
$10,300

*Prices are approximate and are subject to change.

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What is the best travel money card to take to Japan?

Best is a subjective term, but the travel money product you use should have one of these features:

  • No currency conversion fee
  • No foreign transaction fee
  • Either no international or local ATM operator fee
  • Travel extras: insurance, airport lounges, worldwide concierge service, etc

Next, you need to have an idea about how you plan to spend in Japan. While Japan is very much a cash society, there are times when you’ll need to use your card, for example when booking a hotel.

How to use a credit card in Japan

Case study: Roslyn’s experience

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Roslyn McKenna
Assistant Publisher

I visited Japan with my husband in October 2017. We brought ourCapital One® Quicksilver® Cash Rewards Credit Card credit card, because it offers no foreign transaction fees and a flat cashback rewards rate on everything. We also brought several hundred dollars in cash to exchange at the Tokyo airport at a fair exchange rate.

I love that I don’t need to notify Capital One before I go abroad. The last time I visited Japan, my Bank of America account was flagged and locked for fraud, even after notifying my bank before I left for my trip. With Capital One, I get an email asking if I recognize suspected purchases, but I can still access my money.

At one point I needed more cash, so I used my card to get a cash advance, despite the fees and high conversion costs. The problem is that most ATMs require a PIN to access cash, so I spent an hour on the phone with Capital One’s customer support. It would have been easier to access cash if we’d called our bank before we left to set up the PIN.

Cash is still the most convenient and widely accepted payment method in Japan. (Plus, you’ll need lots of change for public transit and all the fabulous vending machines.) You might also want a backup method of getting money, like a debit card. And if you need a 24/7 ATM that accepts American credit cards, look for a 7-Eleven.

A quick summary of travel money options for Japan

Travel money optionProsCons
Debit cards for travel
  • Comes with a secure PIN & chip protection
  • Ideal for managing your travel budget
  • Currency conversion and international ATM fees
  • No backup cards
Prepaid travel money cards
  • Protected by PIN & chip
  • Pre-load and secure your exchange rate in multiple foreign currencies
  • Accepted worldwide
  • Emergency card replacement and backup cards
  • Local ATM fee
  • Reloading time
Credit cards for travel
  • Protected by PIN & chip
  • Access to funds up to your credit limit
  • Accepted worldwide
  • Perks like rewards points on spending, 0% purchases, frequent flyer program
  • Emergency card replacement
  • Can charge high withdrawal and cash advance fees
  • International ATM fees and currency conversion fees
Traveler’s checks
  • Secure and can be easily replaced if lost or stolen
  • Photo ID needed to cash checks
  • Initial purchase charges
  • Not accepted everywhere
Cash
  • Greater payment flexibility
  • Convenience
  • Difficult to manage expenses
  • Higher risk of theft
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How the different travel money products work in Japan

Japan is a cash society; however, credit cards and debit cards are accepted in most places in Japanese cities. Establishments such local restaurants, markets and rural inns (ryokans) are cash only. In the places where you can use your card, you may have issues if your card doesn’t have your name on the front.

Using a debit card

The majority of debit card issuers charge you a fee when you make a purchase in a foreign currency, but there are a few who will let you slide. Look for a debit card that waives the foreign transaction fee and the international ATM fee as well – like a Discover Bank debit card. If you have an account with Citibank, locate and use a Citibank ATM in Japan and you’ll pay nothing.

Using a prepaid travel card

A travel card lets you dollars and convert the funds to yen (along with a number of other currencies). The main advantage to these cards are they allow you to spend without paying extra for currency conversion.

These products require a little more management than debit and credit cards, as you’re responsible for reloading the card before you run out of money. Remember it can take up to three business days for funds clear or even longer if it’s a public holiday or weekend.

Using a credit card

All credit cards allow you to spend in a foreign currency and some are cheaper to use than others. It’s smart to compare credit cards that don’t charge a fee for foreign transaction so you don’t have to worry about this pesky fee when you’re on vacation – the Barclaycard Arrival Plus World Elite Mastercard does just that and offers some perks.

The majority of credit card issuers charge a fee to use international ATMs, but the are some on the market that waive the fee. Keep in mind when using your credit card that cash advances will be subject to hefty fees and interest charges

Traveler’s checks

Although traveler’s checks are becoming a dated form of travel money, they are still used by people who are looking to take a bulk of money safely to Japan. The traveler’s checks widely accepted in Japan are Visa, American Express and Thomas Cook.

To get the best rates, you can redeem them at banks and post offices. Redeeming the check at stores or hotels will attract fees and commissions. In Japan, the traveler’s checks attract a relatively better exchange rate than bank notes.

Using cash

If you plan on indulging in Japanese culture — think tea ceremonies, guided tours in Sakura season, entry to the Emperor’s Palace and small cafeterias and eateries — you’ll need cash. The cost of ATM withdrawals should be a factor in your comparison when looking for cards.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
9x points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
United℠ Explorer Card
40,000 miles after spending $2,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
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Case study: Luke's experience

Luke profile photo
Luke

Luke’s Tokyo Trip

Luke spent two weeks exploring in Tokyo.

What cards did you take with you?

  • Bank of America Debit Card
  • Barclaycard Arrival Plus World Elite Mastercard

Why did you take these cards with you?

Luke says he used the Bank of America debit card to withdrawal money as soon as he arrived at Tokyo’s Narita International Airport. He used his Bank of America debit card throughout Tokyo because it is part of the Global ATM Alliance.

Luke took his Barclaycard Arrival Plus World Elite Mastercard as a backup and saw an instant perk when he purchased his airfare with the card and received complimentary insurance for the duration of his trip. He used this card when he shopped because of the points he could earn and the lack of a foreign transaction fee.

How did you find withdrawing from ATMs?
Luke definitely advises that anyone visiting Japan should familiarize themselves with Post Bank and Seven Bank (inside 7/11) ATMs in the area. Luke withdrew up to the ATM limit each time: 60,000 to 80,000 yen (about $500 to $700). It should be noted that his cards wouldn’t work at other ATMs attached to Japanese banks.

Were there any places where you had trouble using your card?
Luke says it should be pretty obvious whether a place takes plastic or not. Most places he could tell by the look of the establishment, but he always made sure to ask. Luke points out in Tokyo there are a lot of good “hole-in-the-wall” places to eat, and these establishments were mostly cash only.

Our pick for a prepaid travel card
Travelex Money Card

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A guide to the Japanese Yen

Since the introduction of the yen, the denominations have ranged from 10 yen to 10,000 yen. The following is a brief description of the ¥1000, ¥2000, ¥5000, and ¥10,000.

  • 1,000 Yen note. This note has been in use since 1945 and it is currently the lowest value Yen banknote. The front side of the note bears the image of the legendary regent and politician under Empress Suiko, Prince Shōtoku. The reverse side bears a drawing of Mt. Fuji and cherry blossoms.
  • 2,000 Yen note. This banknote was issued in July 19, 2000. The front side of the note bears a serial number and portrays Shureimon, a 16th-century gate at Shuri Castle in Naha, in Okinawa Prefecture, Japan. The reverse side portrays a scene from “The Tale of Genji'” and a portrait of Murasaki Shikibu, the noblewoman to whom this work of literature has been attributed.
  • 5,000 Yen note. The front side of the 5,000 note has a portrait of Ichiyo Higuchi, a Meiji era writer and poet. The reverse side depicts “Kakitsubata Flowers”, from a folding screen by Korin Ogata.
  • 10,000 Yen note. The front side of this note has a portrait of Yukichi Fukuzawa, a Meiji era philosopher and founder of Keio University. The reverse side has a drawing of the hoo (Chinese phoenix) in the Hall of the Phoenix, Byodoin temple.

ATMs

Most ATMs in Japan do not accept international cards. Look for ATMs inside Japanese Post Bank and Seven Bank. Citibank have a presence in major cities and airports. Visa and Mastercard have ATM location tools on their website you can find the closest ATM.

This may change in the future. Tokyo is host the 2020 Olympic Games. The government is pushing Japan’s national banks to connect to the international ATM network. As the Olympics approach, expect more and more Japanese banks begin to accept international credit, debit and travel cards.

Cash pickup services in Japan

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 0 2 days USD 9.99 107.302 JPY 106,230 No fee for transfers of $5,000 or more to 177 countries, backed by an International Payments Price Promise. Go to site Show details
USD 1 Same day USD 8.00 104.887 JPY 104,048 Easily transfer cash to more than 350,000 locations around the world. Show details
USD 1 3 - 5 days USD 20.00 104.619 JPY 102,527 The biggest name in money transfers can get your funds to friends, family, or businesses in almost every corner of the globe. Show details

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Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Get travel insurance quotes for your vacation in Japan

There are many types of travel insurance out there, ranging from basic to comprehensive and additional coverage options such as winter sports insurance – which if you’re planning on taking on the powder in Japan, it’s a must.

Japan travel insurance cover situations such as:

  • Cancellations
  • Emergency medical and dental
  • Personal liability
  • Lost or damaged luggage
  • Lost or stolen travel documents
Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip delay
Allianz Travel OneTrip Emergency Medical Plan
$50,000
$2,000
$1,000
Budget-friendly policy designed for international and domestic travelers who want medical protection. Trip cancellation and trip interruption not included.
Allianz Travel AllTrips Basic Plan
$20,000
$1,000
$600
Annual policy that offers affordable protection, but doesn't include trip cancellation or trip interruption.
Travelex Travel Basic
100%
$15,000
$500
$500
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
Travelex Flight Insure
$10,000
$1,000
$100
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
RoamRight Essential Travel Insurance Plan
100%
$15,000
$750
$500
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
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