【厳選】若手社会人が持つべきおすすめクレジットカード5選【年会費無料/高還元率】｜メイキャリ就活Vol.1699

0:00If you insert the card , the rate

0:02actually drops . You won't get the 7 %

0:04back unless you choose contactless

0:06payment .

0:07>> Today , we have a credit card specialist

0:09joining us . We'll introduce the credit

0:11cards young business people should have

0:13.

0:13>> What about gold cards ? Are they

0:15actually any good ?

0:16>> I think it’s worth having one once

0:18you’re a working professional .

0:19>> Yeah .

0:21>> We’ll thoroughly explain how to

0:22properly choose a credit card based on

0:24point rewards and annual fees . Hello ,

0:28everyone . I’m your character MC ,

0:31Aruka . Our theme today is how to choose

0:34a credit card so you don't lose money

0:35on a starting salary . Apparently , many

0:39people in their 20s lose tens of

0:41thousands of yen a year in rewards and

0:43points because they just pick a card

0:45with no annual fee . So today , we

0:49invited Mr. Yuichi Sato , a true credit

0:52card collector who owns 241 cards and

0:55has over 120,000 social media followers

0:58. Mr. Sato , thank you for joining us .

1:00>> Thank you for having me .

1:01>> Could you please introduce yourself ?

1:03>> Yes . Oh , excuse me . My follower count

1:05isn't 120,000 , it's 500,000 .

1:07>> Oh , my apologies . I am very sorry .

1:09>> Please go ahead and use this . At your

1:13level , Mr. Sato , about how much can you

1:15earn in points alone per year ?

1:18>> Hmm , how much do you think ?

1:21>> Well , I assume you're probably in the

1:22hundreds of thousands .

1:24>> That’s right . If you multiply that by

1:27ten , yes .

1:28>> Really ? Wow , you could live off that

1:31alone .

1:32>> Ah , I do live off it .

1:34>> That’s a crude way to put it . Yes .

1:36Well , today we’ll talk about

1:38no-annual-fee cards , reward rates , and

1:40how to use points properly . Are gold

1:42cards really necessary ? We’ll also

1:47ask about recommended cards by annual

1:48spending and lifestyle , and finally ,

1:50we'll reveal the ultimate five cards

1:52that people in their early 20s should

1:54own . First , cards chosen for no annual

2:00fee versus reward rates . Please tell us

2:03which is more beneficial . I think new

2:05professionals tend to start by looking

2:08for cards with no annual fee , but Mr.

2:10Sato , what’s the reality ? Is it

2:12better to pay an annual fee for better

2:14rewards ? What do you think ?

2:15>> Actually , I think no-annual-fee cards

2:18are fine .

2:18>> Yes . Well , there are pros and cons , but

2:21first , as for the benefits , well , you

2:23know ,

2:23>> as it says , it's free .

2:25>> Since it's a credit card with no fees ,

2:27you can hold it for zero yen and earn

2:29points , which is definitely a benefit .

2:32There are some cards with no annual

2:34fees that also have good rewards , so

2:36yeah . Yes .

2:37>> I think those are good options , don't

2:39you ?

2:39>> Oh , for example , what would you

2:41recommend ?

2:42>> Let me see . For instance , there's the

2:44Sumitomo Mitsui Card ( NL ) , which is a

2:46very advantageous card that offers 7 %

2:49back at participating convenience

2:51stores and restaurants , while standard

2:53credit cards usually offer 0.5 % , and

2:56those considered high-reward offer 1.0 %

2:58.

2:59>> And ,

3:00>> compared to 1.2 % , which is considered

3:02ultra-high reward , 7 % is just , like ,

3:05incredible .

3:05>> Incredible , right ? Yes .

3:07>> Well , I think it's quite a good deal .

3:09Ah , conversely , are there any cards

3:11that have an annual fee , but allow you

3:13to come out ahead through perks and

3:15points ?

3:16>> Let me see . In that case , there's the

3:19Marriott Bonvoy Premium , a co-branded

3:22credit card issued by Marriott .

3:24>> Yes . The annual fee is 82,500 yen ,

3:27which is quite pricey , but you get full

3:30value back for that cost , so , ah ,

3:32>> the base reward rate is 3 % ,

3:35>> and when used at Marriott-affiliated

3:37hotels , it's 6 % ,

3:38>> so points accumulate easily .

3:40>> Yes .

3:41>> You can use those points for hotel

3:42stays , or exchange them for airline

3:44miles to travel , so with just this one

3:47card ,

3:47>> well , you can cover both hotels and

3:49miles , making it a very valuable card .

3:51>> Yeah . Yeah . Yeah . Is it more

3:55cost-effective to have multiple free

3:56cards and use them selectively , or to

3:58consolidate everything into one paid

4:00card ?

4:02>> I personally prefer having just one

4:04paid card because of the management .

4:06>> Yeah .

4:07>> It's fine if you can handle it , but if

4:09you have many cards and have to keep

4:11track of how many points you have and

4:13when they expire , it gets complicated .

4:16Sticking to one card and using it

4:18properly is easier to manage , so I

4:20recommend it for that reason . Are there

4:24any credit card perks that you think

4:25people surprisingly don't know about

4:27yet ?

4:29>> Valuable perks ?

4:30>> Yes .

4:30>> I think there might be people who don't

4:32know much about things like restaurant

4:33benefits , right ?

4:34>> I don't know about them .

4:35>> Oh , you don't ? For certain restaurants ,

4:38>> Wait , two people ?

4:39>> Yes .

4:41>> If you book a course meal for two ,

4:42there are benefits where one person's

4:44meal becomes free . Oh , that could be

4:47for business clients ,

4:48>> or an anniversary with your partner ;

4:50you can use it in many different ways .

4:52Yeah .

4:52>> By the way , which card is that for ?

4:54>> It’s called the Luxury Card ; for some

4:56participating courses , you get one free

4:58with two reservations , and there are

5:00even places where you get three free

5:02with six . Six ?

5:04>> Getting three free for six people is

5:06only with the Luxury Card , so yeah .

5:08Yeah .

5:08>> Next , I'd like to ask about where to

5:10redeem points . Are there any secret

5:13tricks where redeeming points in a

5:15specific way is super profitable ?

5:17>> Let me see . The highest point value

5:21comes from converting them into miles

5:23to book award flights ; that offers the

5:25best value , and for first class , one

5:27point can be worth around 15 to 18 yen .

5:32>> For merchandise , and this varies by

5:34card company , one point is at best

5:36worth one yen .

5:38>> So the way to increase the value per

5:40point is through miles and award

5:42tickets .

5:44>> Since I'm in my early twenties , I don't

5:46have many chances for big shopping or

5:48major travel , but is there a way to use

5:49points without losing out ?

5:52>> Applying points toward your statement

5:54balance is probably the easiest to

5:56understand .

5:57>> Applying them to the balance ?

5:58>> Yes . As I mentioned earlier ,

6:01>> for example , a credit card with 7 %

6:03rewards at designated stores .

6:06>> Let's just assume . If you spend 10,000

6:08yen a month , that's 120,000 yen a year ,

6:11right ? 700 yen a month times 12 is

6:148,400 points . You can then apply those

6:16points

6:18>> directly to your credit card statement ,

6:20with one point equal to one yen ,

6:22>> and that's the most basic way , or

6:24rather , it's the biggest merit when it

6:26comes to utilizing a credit card . Well ,

6:28it's not just for new employees , but I

6:30think it's easy to understand .

6:32>> Yeah . So it means you can use it for

6:34small everyday purchases , right ?

6:38>> Is there a way to manage points from

6:40multiple cards all together ? Let's see .

6:43Yeah .

6:43>> I think it would be good to install a

6:45household budget app .

6:46>> Oh , a household budget app ?

6:47>> People who have multiple cards probably

6:48think , " Let me open this app to check

6:50the balance , let me open this other one

6:51... " "

6:51>> How much did I spend this month ? " and

6:53so on , but that's a bit of a hassle .

6:54>> Yeah . Yes .

6:56>> So , I think putting everything into one

6:58budget app to manage it is the best way

7:00.

7:00>> It's easy to understand and good .

7:02>> By the way , Sato-san , what do you use ?

7:04>> A budget app ?

7:06>> You don't use one ?

7:07>> Oh , you can manage them , huh ?

7:09>> Ah , I see . You love it so much that it

7:11exists , right ? Wait .

7:12>> There is . It's either having a passion

7:16for it or using an app . Nice . Good one .

7:19>> That's what it comes down to .

7:22>> Next , I'd like to ask about gold cards .

7:25There's an image that it might be a bit

7:26too early for those in their early 20s ,

7:28but what do you think about gold cards ?

7:30Is it okay to get one ?

7:32>> Well , for gold cards , I think it's fine

7:34. Yeah .

7:35>> I think having one makes you feel

7:37excited , and ...

7:39>> One difference between a regular card

7:41and a gold card is whether you can use

7:43airport lounges , right ?

7:45>> Well , it depends on the card , but some

7:48credit cards offer higher return rates

7:50too .

7:50>> Yeah .

7:51>> So , if you're a working professional , I

7:53think it's worth having one .

7:55>> Yeah .

7:56>> Is there a specific annual income or

7:57monthly spending amount that would make

7:59it worth considering a gold card ?

8:02>> Let's see . If you spend 1 million yen a

8:04year ,

8:04>> Yes . There are credit cards where the

8:08annual fee becomes free , and some where

8:10you get a bonus of 10,000 points for

8:12spending 1 million yen , so using those

8:14points ...

8:16>> Is a way to offset the usage amount .

8:19>> Yeah . Well ,

8:20>> I think that's a good approach .

8:21>> Is that right ? So , for example , what

8:23gold cards do you recommend for someone

8:25in their early 20s ?

8:27>> I recommend the Sumitomo Mitsui Card (

8:30NL ) .

8:30>> Yeah . Uh-huh . How many points can you

8:32get back with that one ?

8:33>> The key point is 7 % rewards at eligible

8:35convenience stores and restaurants .

8:37>> Oh . That's great for convenience stores

8:39.

8:39>> That's great for convenience stores .

8:41>> You can use it at places everyone knows

8:44, like 7 - Eleven or Lawson , or at Gusto .

8:47>> Yes .

8:48>> The Skylark Group is also eligible for

8:50the 7 % reward , as are Doutor and others .

8:53>> Yes . And places like Excelsior Caffe .

8:57>> Also , if you spend 1 million yen

9:00annually , the 5,500 yen annual fee

9:02becomes free for life .

9:06>> Plus , you get a bonus of 10,000 points .

9:08>> Oh .

9:09>> That credit card system seems easy for

9:11working professionals to understand .

9:13>> Yeah . New professionals likely have a

9:16brokerage account and are investing

9:18through NISA , and if you set up monthly

9:20card payments for those investments ,

9:21you earn points on that too , right ?

9:24>> That's correct . If you set up credit

9:26card recurring investments ,

9:27>> well , there are cards that give you 0.5

9:29% , some that give 1 % , and even some

9:31with 3 % .

9:32>> Yes . Are there any cards you recommend

9:34linking to brokerage accounts ? Like ,

9:35which account with which card ?

9:37>> Ah , is this the Sumitomo Mitsui card ?

9:39>> Ah , Sumitomo Mitsui . Even with the gold

9:41card mentioned earlier .

9:42>> That's right . With the gold card , you

9:43can link it to SBI Securities .

9:45>> Right . Yes . About how much is the

9:47reward percentage for SBI Securities ?

9:49>> It's 0.5 % .

9:50>> With 0.5 % , for example , if you invest

9:53100,000 yen every month ,

9:54>> you'll keep the annual fee free ,

9:57>> you get the points from the investment ,

9:59and you can also use airport lounges

10:01with the gold card , right ?

10:02>> Yes . That's right . It's quite an

10:04all-purpose type , really .

10:05>> Yeah . Exactly . Just keep in mind the 7 %

10:08reward only applies to special partner

10:11stores ; if you use it elsewhere , the

10:13reward drops to 0.5 % , so that's

10:15something to be careful about .

10:18>> Yeah . Ah , I see .

10:21>> Next , we have recommended credit cards

10:23by lifestyle . Sato-san , please teach us

10:25how to choose a credit card without

10:27making mistakes based on the real lives

10:29of people in their early 20 s — like

10:30those who go out often , live alone with

10:32high fixed costs , or travel frequently

10:34for work . Yes .

10:35>> First of all , what card do you

10:37recommend for someone who eats out and

10:38drinks with friends a lot ?

10:40>> The Sumitomo Mitsui Numberless .

10:43>> I see .

10:43>> As mentioned earlier .

10:44>> Yes , as mentioned earlier .

10:46>> Well , for dining out , assuming it's a

10:49chain restaurant , you get a 7 % return if

10:51you use it there .

10:54>> It's not just dining out , but it's a 7 %

10:56return including convenience stores ,

10:58but there is one catch : if you insert

11:01the card , the rate drops .

11:03>> Oh , really ?

11:04>> Yes . So , for that , with your smartphone

11:06...

11:07>> Yes .

11:08>> If you don't choose Apple Pay touch

11:10payment , you won't get the 7 % return .

11:12>> Wow .

11:12>> That's something to be careful about .

11:14>> Ah , that's important information .

11:16>> It's recommended to register your

11:17credit card electronically and pay with

11:19your phone .

11:20>> Yes , that's right . Both Apple Pay and

11:22Google Pay work that way .

11:23>> Yes . Next , for someone living alone , is

11:25there a recommended card for paying

11:27fixed costs like rent and utilities ?

11:29>> The Recruit Card .

11:30>> Oh , I've never heard of that . Isn't 1.2

11:33% super high ? This 1.2 % ...

11:36>> is the Recruit Card , but ...

11:38>> this covers utilities , mobile phone

11:40bills , and public utility charges as

11:43well .

11:43>> No matter where you use it , you get a

11:461.2 % return .

11:46>> Oh .

11:47>> Unlike the ...

11:48>> Sumitomo Mitsui Numberless , which only

11:50gives a 7 % return at specific partner

11:52stores .

11:53>> The Recruit Card gives a 1.2 % return

11:55across the board at every store .

11:58>> Yeah . Yes . I think that's the advantage

12:01, but the downside is that there are no

12:03specific partner stores ...

12:05>> or any standout locations ?

12:07>> That's one thing it doesn't have .

12:08>> Yeah . I see .

12:10>> And the point redemption options are

12:11quite good ; you can use them on Amazon ,

12:13for example .

12:14>> Also , you can exchange them for d

12:16Points or Ponta Points , so the points

12:18are very versatile .

12:19>> It's a credit card with that capability

12:21, right ?

12:21>> Yes . By the way , what do you recommend

12:23for those who travel or go on business

12:24trips a lot ?

12:25>> For travel and business trips , the Amex

12:26Gold Preferred or something like that .

12:28>> Yeah . Amex .

12:29>> Business trips are likely handled by

12:31the company , so I can't say for sure .

12:33>> But for travel , it's definitely the

12:35Amex Gold Preferred . The points you

12:37earn on the card are called reward

12:39points , and where you can exchange them

12:41is , well ...

12:43>> You can exchange them for foreign

12:45airlines . Oh .

12:48>> For instance , there’s Delta , Cathay

12:50Pacific , Singapore Airlines , and others

12:53,

12:54>> and when you exchange them

12:56>> for airline miles to book award tickets

12:58, it can actually be quite cheap .

13:01>> I see .

13:02>> Right now , domestic airlines often have

13:05fuel surcharges , but some foreign

13:07airlines allow you to keep those

13:08surcharges down ,

13:10>> so it’s actually a great deal .

13:12>> Oh , I see . Do you have any other

13:14recommendations ?

13:16>> I’d also highly recommend the Hilton

13:18Premium card . The Hilton series ?

13:22>> Yes .

13:23>> It’s a card you can use very

13:25effectively . It has an annual fee of

13:2866,000 yen , but once a year you get a

13:31benefit

13:32>> for a hotel stay worth 66,000 yen or

13:34more , so I think the value for the

13:36annual fee is great . I really recommend

13:38it .

13:38>> I see . And are there any cards you

13:40recommend for people who do a lot of

13:41online shopping ?

13:43>> Yeah . Yes . The Amazon Prime Mastercard .

13:46>> It’s recommended for those who use

13:48Amazon .

13:49>> With the Amazon Prime Mastercard , Prime

13:51members get a 2 % return when using it on

13:54Amazon .

13:54>> Yeah . Yeah .

13:55>> So it’s a good deal . If you use this

14:00card for other things , you get a 1 %

14:01return , and the points you earn are

14:03Amazon points , though the downside is

14:06that they can only be used on Amazon .

14:10>> So for people who think , " I don't know

14:12where to exchange points and it's too

14:13much of a hassle , "

14:14>> it’s just : use the card on Amazon ,

14:16earn Amazon points , and then spend

14:18those points on Amazon . That’s the

14:21most straightforward and simple way . As

14:23for the Gold Preferred card I mentioned

14:25earlier , if you use that on Amazon ,

14:27>> you get a 3 % return , though there is a

14:30500,000 yen annual limit .

14:32>> Oh , wow . That’s really good .

14:34>> The Amazon card has no annual limit ,

14:36whereas the Gold Preferred does have a

14:38limit ,

14:38>> Yes .

14:39>> but since you can get 3 % , I think

14:40it’s quite a good deal . We’ve asked

14:45you a lot today , so finally , could you

14:47announce the top 5 cards that people in

14:49their early 20s should have ?

14:51>> Yes .

14:52>> First , Sato-san , what is 5th place ?

14:54>> 5th place is the P-One Card Standard .

14:56>> Oh , the P-One Card Standard .

14:58>> Yes . The P-One Card Standard is really

15:00for lazy people .

15:01>> Oh , that’s a relief .

15:02>> I appreciate that . Oh , are you lazy ?

15:04>> Oh , I am , so it’s actually really

15:06helpful . Yes . It’s a credit card

15:11where you don’t have to think about

15:13points , and you get 1 % off your monthly

15:15bill .

15:16>> Oh , so it’s a discount instead of

15:18points ?

15:19>> That’s amazing . Yes . For people who

15:21don't want to worry about points but

15:23want to get a little extra value ,

15:24>> the P-One Card Standard is recommended .

15:26>> Yeah . Wow , that's great . I didn't know

15:29something like that existed .

15:30>> Well then , please announce 4th place .

15:314th

15:32>> place is the ...

15:33>> PayPay Card .

15:34>> I'm so happy . It made the list .

15:35>> Oh , I already have it . I have it too .

15:37Why is that card recommended ?

15:43>> Well , the PayPay Card can be used at

15:45PayPay merchants , you get up to 5 % back

15:47when using it at Yahoo Shopping , and

15:49the PayPay points you earn can be ...

15:57used for PayPay .

15:58>> Oh , I do that .

16:00>> I do too .

16:00>> I use it as well . By putting those

16:02points into " PayPay asset management , "

16:04they can really grow , though sometimes

16:07they drop too .

16:07>> Yeah . Yeah .

16:08>> By using it for asset management ,

16:10>> Right .

16:11>> it can also be used for investing ,

16:12>> so it’s highly recommended .

16:14>> Yeah . That asset management feature is

16:15really good .

16:16>> It really is . Yes .

16:17>> I just set it up without looking and

16:19left it alone , and before I knew it , I

16:21had about 100,000 yen worth . I was

16:22surprised . Yeah . I think that's quite

16:25good too . Yes .

16:26>> Yes . Now , please continue with 3rd

16:28place .

16:28>> Yes . 3rd place is the Marriott Bonvoy

16:30Premium . Oh .

16:32>> The annual fee is a bit high at 82,500

16:35yen , but the best part about Marriott

16:37Bonvoy is that you can use it for

16:39hotels and airline miles , which really

16:42boosts your quality of life . You can go

16:45on trips with your partner ,

16:47>> or with friends ,

16:49>> make great memories , and feel motivated

16:51to work hard again the next day .

16:53>> That’s the kind of card I think it is

16:55. Yeah .

16:55>> Wow , that’s such a wonderful

16:57recommendation . I’m sure a lot of

16:59guys were really moved by that . Next is

17:01second place . Please go ahead .

17:03>> Second place , yes . Second place is the

17:05Mitsui Sumitomo Numberless Gold . This

17:07one .

17:07>> Well , you get 7 % back at eligible

17:09convenience stores , and you can access

17:11airport lounges for free , so ...

17:13>> Hmm . Plus , the card itself looks pretty

17:16cool ; it has that classic " gold card "

17:19design , yeah .

17:20>> I really like that about it .

17:21>> Oh , that’s lovely . Between the high

17:25points , the synergy with brokerage

17:27accounts , and everything else , it’s a

17:29highly versatile card that carries a

17:31lot of prestige , isn't it ?

17:33>> That’s right .

17:34>> Yes .

17:35>> Yes . Now , please tell us first place .

17:37>> Yes . First place is the American

17:39Express Gold Preferred .

17:40>> Oh .

17:41>> The Amex Gold Preferred has an annual

17:43fee of 39,600 yen , but with new sign-up

17:45and usage , you can get 140,000 points

17:48right now .

17:48>> Wow . 140,000 points is amazing . To get

17:52them , you have to spend 1 million yen

17:54within the first 6 months of signing up

17:56,

17:57>> but once you earn those 140,000 points ,

17:59you can exchange them for miles to get

18:02award tickets , which lets you go on a

18:04trip and create great memories .

18:06>> Is it good for more than just earning

18:08those 140,000 points ? Is it good for

18:09everyday use too ? It’s great for

18:11everyday use .

18:11>> Well , it’s great for daily use , and

18:13as I mentioned before , yes . You get 3 %

18:15back even on Amazon , and if you spend 2

18:17million yen annually and renew the card

18:19, you get a " Free Stay Gift , " which

18:21>> is a voucher for a free night at a

18:23luxury hotel .

18:24>> Wow , that sounds amazing . There are a

18:28lot of gold and paid cards in your

18:29recommendations , but can someone in

18:31their early 20s or a first-year

18:32employee actually pass the screening ?

18:36The screening , well ... This is just my

18:39personal opinion , but

18:41>> Yeah . Yes .

18:42>> I think they would pass .

18:43>> Oh ! Credit card screening , you know ,

18:47>> people often talk about annual income ,

18:49but it's not really about that ; I've

18:51heard that

18:52>> length of employment is also a factor ,

18:55so

18:55>> Yes .

18:55>> For example , if you are regularly

18:57employed , you can usually get one

18:59issued . But I've heard from quite a few

19:00people who had credit cards while

19:02working for a company , only to have

19:03their applications rejected the moment

19:05they turned freelance .

19:06>> Yes . In that sense , being a company

19:08employee really does come with a high

19:10level of creditworthiness .

19:11>> And it seems like , perhaps ,

19:13>> the number of years you've been

19:14employed is something they place a lot

19:15of importance on .

19:16>> Yeah . Yeah . That's true . So , for

19:18instance , at a large company , the

19:19company's name itself serves as a

19:21strong guarantee of your credit ,

19:23>> so it’s surprisingly easy to get

19:24approved .

19:24>> It really is . Yes .

19:26>> That’s how it works .

19:28>> Today , we discussed how new

19:30professionals can choose a credit card

19:32without losing out on their salary .

19:34Things like annual fees , reward rates ,

19:36how to use points , and the criteria for

19:38gold cards — even I didn't know much

19:40about these despite having worked for

19:42six years . Knowing this from your first

19:44year as a professional and utilizing it

19:46properly really makes a huge difference

19:48, doesn't it ? Yeah .

19:49>> It really does . You can earn points and

19:52use them for things like meals , so

19:54>> Yes .

19:55>> please ,

19:55>> yes .

19:56>> make sure to use them .

19:57>> Yes . Taking this as inspiration , I’m

19:59going to do my best to get approved

20:01after this . At May-Carry , we share

20:04financial information that you'll

20:05regret not knowing . If you found this

20:08video helpful , please subscribe to our

20:09channel and give us a like . Thank you

20:12so much .

20:14>> Thank you very much .