Do you need cash in Japan? Cards, IC cards and yen
Cards of international brands are generally accepted across Japan, but not everywhere. Carry a card, a Suica or PASMO IC card and a little yen.
Cards are widely accepted
The Japan National Tourism Organization (JNTO) says credit, debit and prepaid cards of international brands are generally accepted throughout the country. The brands it lists are American Express, JCB, Mastercard, Visa, Discover and Diners Club.
Some shops do not show the card logos. If you are not sure, ask the staff before you order or pay.
Trains and subways
- Cards can pay for the Narita Express and shinkansen fares (JR).
- Cards are not always accepted for short train or subway trips. JNTO suggests a Suica or PASMO card for these.
- Suica and PASMO also work at many convenience stores and a growing number of shops, but not everywhere.
Getting yen
You can take out cash with a card at ATMs of Japan Post Bank and Seven Bank. See the related article about foreign cards at ATMs for the steps.
A simple plan
- Bring one or two cards from different brands, in case one does not work.
- Add a Suica or PASMO card for local transport.
- Keep some yen in your wallet for small places. Ask at your hotel if you are unsure about a place.
- Keep your card issuer's phone number separate from your cards, in case you lose one.
FAQ
Can I use only a credit card in Japan?
In many places, yes. But you may need an IC card for short train trips, and some places may not take cards. Carry a little cash as a back-up.
Which card brand is best?
JNTO lists several brands as accepted. Visa and Mastercard are common choices. Carry two different brands if you can.
What if I lose my card?
Contact your card issuer directly. JNTO's page links to the help lines of the main brands.
Sources
Related tips
- Withdrawing yen with a foreign card: Seven Bank ATMsSeven Bank ATMs, found in 7-Eleven stores, accept many foreign cards such as Visa, Mastercard, UnionPay, American Express and JCB. The limit is 100,000 yen per withdrawal.
- Suica and IC cards: how visitors can pay for trains and shopsA Suica is a rechargeable IC card for trains, buses, vending machines and many shops. Visitors can get a Welcome Suica card or use Welcome Suica Mobile on a phone.
- Do you tip in Japan?Short answer: no. Tipping is not expected in restaurants, cafes, taxis or hotels in Japan. Here is when it is fine, and what to do instead.
- Paying with your home QR wallet in Japan (PayPay and Alipay+)At shops that accept PayPay, you can often pay by scanning the shop's QR code with a supported wallet app from your own country. Check that your wallet is on the list before you travel.
Last checked: 2026-10-28. Rules and prices can change, so please confirm with the official sources above.