Can You Use a U.S. Bank Credit Card in Japan? Yes, you can use your U.S. Bank credit card in Japan, but with some important considerations.
Japan presents a unique payment landscape that combines modern technology with traditional preferences.
While major urban centers like Tokyo, Osaka, and Kyoto widely accept credit cards, Japan remains surprisingly cash-oriented compared to other developed nations.
According to recent statistics, cash still accounts for about 70% of all transactions in Japan, making it essential to prepare accordingly.
Your U.S. Bank card’s usability depends primarily on its payment network:
| Network | Acceptance Rate | Best For |
|---|---|---|
| Visa | Highest (90%+ at tourist locations) | Overall reliability |
| Mastercard | High (85%+ at tourist locations) | Good alternative to Visa |
| American Express | Moderate (70% at tourist locations) | Higher-end establishments |
| Discover | Limited (50% or less) | Not recommended as primary card |
You’ll find your card readily accepted at:
- International hotel chains
- Department stores
- Major restaurants
- Tourist attractions
- High-end retailers
- Train stations (for reserved seats)
However, expect cash-only policies at:
- Traditional ryokans (Japanese inns)
- Small family restaurants
- Local markets
- Vending machines
- Many taxi services
- Rural establishments
Before traveling to Japan with your U.S. Bank card, you should:
- Notify U.S. Bank of your travel dates
- Check your card’s foreign transaction fees
- Memorize your 4-digit PIN
- Bring sufficient cash as backup
- Download the U.S. Bank mobile app for monitoring transactions
Important: Even in places that accept credit cards, smaller purchases (under ¥1,000 or about $7 USD) may require cash payment, as many establishments have minimum charge requirements.
The bottom line: While your U.S. Bank credit card will work in many Japanese establishments, treating it as a supplement to cash rather than your primary payment method will ensure a smoother travel experience.
Where U.S. Bank Cards Are Accepted in Japan
Japan presents a unique payment landscape that might surprise many American travelers. While the country is technologically advanced in many ways, its payment infrastructure still heavily favors cash transactions.
That said, U.S. Bank credit cards can be used in many locations throughout Japan, with some important caveats to keep in mind.
Urban vs. Rural Acceptance
Major cities like Tokyo, Osaka, Kyoto, and Yokohama offer the widest acceptance of foreign credit cards, including U.S. Bank cards. In these metropolitan areas, you’ll find that:
- Most large hotels and international chains readily accept credit cards
- Department stores and shopping malls are card-friendly
- Tourist attractions and museums typically take cards
- Chain restaurants and larger establishments accept credit payments
However, venture into rural Japan or smaller towns, and the picture changes dramatically:
- Many family-run businesses operate on cash-only basis
- Traditional ryokans (Japanese inns) may not accept cards
- Local restaurants and shops often require cash
- Markets and street vendors almost exclusively deal in cash
Travel Tip: Even in Tokyo, it’s advisable to carry at least ¥10,000-¥20,000 (approximately $70-$140) in cash each day for smaller purchases and establishments that don’t accept cards.
Types of Establishments That Accept U.S. Bank Cards
| Establishment Type | Likelihood of Card Acceptance | Notes |
|---|---|---|
| Luxury hotels | Very High | International chains like Hilton, Marriott always accept cards |
| Business hotels | High | Most accept major cards |
| Ryokans (traditional inns) | Medium-Low | Higher-end ones may take cards, but many are cash-only |
| Department stores | Very High | Stores like Isetan, Takashimaya, and Mitsukoshi all accept cards |
| Convenience stores | High | 7-Eleven, Lawson, and FamilyMart typically accept foreign cards |
| Chain restaurants | High | Especially international chains |
| Local restaurants | Medium-Low | Varies widely; many small establishments are cash-only |
| Taxis | Medium | Major cities yes, smaller areas often no |
| Public transportation | Low | Primarily cash or IC cards (Suica/Pasmo) |
| Tourist attractions | High | Major sites usually accept cards |
Card Network Considerations
The network your U.S. Bank card runs on significantly impacts acceptance in Japan:
- Visa and Mastercard: Enjoy the highest acceptance rates across Japan. If your U.S. Bank card uses either of these networks, you’ll face the fewest obstacles.
- American Express: Accepted at higher-end establishments and international chains, but significantly less widely accepted than Visa/Mastercard.
- Discover: Limited acceptance in Japan; not recommended as your primary payment method.
Contactless Payment Availability
Japan has been modernizing its payment infrastructure, particularly in preparation for international events:
- Contactless payments are increasingly available in major urban centers
- Look for the contactless symbol or “IC” logo at payment terminals
- Many terminals accept Apple Pay and Google Pay if your U.S. Bank card is linked
- Transportation IC cards like Suica and PASMO can now be added to smartphone wallets
Common Rejection Scenarios
Be prepared for your U.S. Bank card to be declined in these common situations:
- Unmanned ticket machines for trains and subways often reject foreign cards
- Smaller restaurants where the card terminal may not be set up for international cards
- Cultural establishments like traditional theaters or historical sites
- Vending machines, even those displaying credit card logos
- Gas stations, particularly self-service ones outside major cities
PIN requirements can also cause issues. While U.S. cards typically use signature verification, many Japanese terminals require PIN entry. If you don’t know your credit card PIN, contact U.S. Bank before traveling.
Regional Variations
Card acceptance varies significantly by region:
- Tokyo and Osaka: Most tourist areas have good card acceptance
- Kyoto: Despite being a major tourist destination, many traditional establishments are cash-only
- Hokkaido: Major tourist areas accept cards, but rural areas are predominantly cash
- Okinawa: Tourist resorts accept cards, local businesses often don’t
Remember that even in places that technically accept credit cards, there may be cultural preferences for cash. Some merchants might politely ask if you can pay with cash instead, as they prefer to avoid card processing fees.
Fees and Costs When Using Your U.S. Bank Card in Japan
When planning your Japanese adventure, understanding the potential fees associated with your U.S. Bank credit card can save you significant money.
Japan’s unique payment landscape presents several fee considerations that might not be obvious to first-time visitors.
Foreign Transaction Fees
Most U.S. Bank credit cards charge foreign transaction fees ranging from 2% to 3% of each purchase made abroad. These fees quickly add up, especially during longer trips or when making larger purchases.
Here’s a breakdown of foreign transaction fees for popular U.S. Bank cards:
| Card Type | Foreign Transaction Fee |
|---|---|
| U.S. Bank Altitude® Go Visa Signature® Card | 0% |
| U.S. Bank Altitude® Reserve Visa Infinite® Card | 0% |
| U.S. Bank Cash+® Visa Signature® Card | 2-3% |
| U.S. Bank Platinum Card | 2-3% |
| U.S. Bank Secured Visa® Card | 3% |
Pro Tip: If you’re a frequent international traveler, consider applying for one of U.S. Bank’s premium travel cards that waive foreign transaction fees before your trip to Japan.
Currency Conversion Fees
Beyond the foreign transaction fee, you may also encounter currency conversion fees of approximately 1% imposed by payment networks like Visa and Mastercard. This fee is separate from the foreign transaction fee and applies to the currency conversion process itself.
Dynamic Currency Conversion: The Hidden Fee Trap
When making purchases in Japan, you may be offered the “convenience” of paying in U.S. dollars instead of Japanese yen. This service, called dynamic currency conversion (DCC), often comes with a hidden markup of 3-7% above the market exchange rate.
Always choose to pay in Japanese yen when prompted. While it might seem helpful to see prices in familiar USD, paying in the local currency almost always results in a better exchange rate and lower overall cost.
ATM Withdrawal Fees
Using your U.S. Bank credit card at Japanese ATMs typically incurs:
- Cash advance fee: Usually 3-5% of the withdrawal amount (minimum $10)
- ATM operator fee: ¥108-¥216 ($1-$2) per transaction
- Higher interest rates: Cash advances often start accruing interest immediately at rates of 24.99% APR or higher
Cash Advance Interest Rates
Unlike regular purchases that may have a grace period, cash advances begin accruing interest immediately at a higher rate than standard purchases. U.S. Bank typically charges between 24.99% to 27.99% APR for cash advances, making this an expensive way to access cash.
Premium Cards with Fee Waivers
If you travel internationally frequently, consider upgrading to one of these U.S. Bank cards that offer fee advantages:
- U.S. Bank Altitude® Reserve Visa Infinite® Card:
- No foreign transaction fees
- Priority Pass™ airport lounge access
- $325 annual travel credit
- 3x points on travel purchases
- U.S. Bank Altitude® Go Visa Signature® Card:
- No foreign transaction fees
- No annual fee
- 4x points on dining purchases
While these premium cards often have annual fees, the savings on foreign transaction fees alone can offset this cost during a single trip to Japan, especially if you plan to use your card frequently.
Minimizing Fees in Japan
To keep costs down when using your U.S. Bank card in Japan:
- Make fewer, larger purchases rather than many small transactions to minimize per-transaction fees
- Always pay in Japanese yen when given the option
- Withdraw larger amounts of cash fewer times to minimize ATM fees
- Consider applying for a premium U.S. Bank card with no foreign transaction fees before your trip
- Bring a backup card from another issuer with favorable international terms
Understanding these fee structures before departing ensures you can make informed decisions about when to use your U.S. Bank credit card and when alternative payment methods might be more economical during your Japanese journey.
Accessing Cash with Your U.S. Bank Card in Japan
Japan remains a predominantly cash-based society, making access to local currency essential during your visit.
While your U.S. Bank credit card will work at many establishments in urban areas, you’ll inevitably need cash for smaller shops, traditional markets, and rural locations.
International ATM Locations
Not all ATMs in Japan accept foreign cards, but you can reliably access cash at:
- 7-Eleven ATMs: Found at over 25,000 locations nationwide, these ATMs consistently accept foreign cards and offer English-language options. Look for the green “7-Bank” ATM machines inside 7-Eleven convenience stores.
- Japan Post Bank (Yucho): ATMs at post offices throughout Japan accept international cards. These are particularly valuable in smaller towns where 7-Eleven might not be present.
- International Airport ATMs: All major Japanese airports feature ATMs that accept foreign cards, making them convenient for obtaining yen upon arrival.
- Major Banks: Some branches of major Japanese banks like SMBC, Mizuho, and MUFG have international ATMs, though availability varies by location.
- Family Mart: Many Family Mart convenience stores have ATMs that accept international cards.
ATM Operating Hours
Unlike in the U.S., not all Japanese ATMs operate 24/7:
| ATM Location | Typical Operating Hours |
|---|---|
| 7-Eleven | 24 hours, 365 days |
| Post Offices | 8:45 AM – 6:00 PM (weekdays), 9:00 AM – 5:00 PM (Saturday) |
| Airport ATMs | Generally match airport operating hours |
| Bank ATMs | 8:45 AM – 6:00 PM (weekdays), limited weekend hours |
Pro tip: 7-Eleven ATMs are your most reliable option for 24/7 cash access throughout Japan.
Withdrawal Limits and Cash Advance Process
When using your U.S. Bank credit card for cash withdrawals:
- Daily Withdrawal Limits: Typically range from ¥50,000 to ¥100,000 (approximately $350-$700), depending on the ATM and your card’s cash advance limit.
- Cash Advance Process: Select “Credit Card” (not debit) when prompted at the ATM, then choose “Cash Advance” or “Cash Withdrawal.”
- Minimum Withdrawal: Usually ¥10,000 (about $70).
PIN Requirements
Your credit card PIN is essential for cash advances in Japan. Before traveling:
- Verify Your PIN: Ensure you know your credit card’s PIN. If uncertain, contact U.S. Bank at least a week before departure.
- PIN Format: Japanese ATMs accept 4-digit PINs. If your PIN is longer, contact U.S. Bank to update it.
Cash Advance Fees
Be aware of the substantial costs associated with credit card cash advances:
- ATM Fee: ¥108-¥216 (approximately $0.75-$1.50) per transaction.
- U.S. Bank Cash Advance Fee: Typically 3-5% of the withdrawal amount (minimum $10).
- Interest Charges: Cash advances begin accruing interest immediately at rates often exceeding 24% APR.
- Foreign Transaction Fee: Additional 3% on most U.S. Bank cards (though premium travel cards may waive this).
Warning: A ¥50,000 (approximately $350) cash advance could cost you over $25 in immediate fees plus daily interest charges.
English Language Options
Most international-friendly ATMs offer English language options:
- Insert your card
- Look for a “Language” button or touch the English option on the screen
- Follow the prompts in English to complete your transaction
Strategies to Minimize Cash Advance Costs
- Use a U.S. Bank debit card instead if possible, as ATM withdrawals have lower fees than credit card cash advances
- Make fewer, larger withdrawals rather than multiple small ones to minimize per-transaction fees
- Consider bringing sufficient cash from home and exchanging it at airports or major banks for potentially better rates
- Pay off cash advances immediately through the U.S. Bank mobile app to minimize interest charges
Remember that while cash advances provide convenience in a cash-heavy country like Japan, they should be used sparingly due to their high costs. Planning ahead and bringing sufficient Japanese yen can help you avoid these fees altogether.
Before You Travel: Essential Preparation Steps
Planning to use your U.S. Bank credit card in Japan requires some advance preparation to ensure a smooth experience. Taking these essential steps before departure can help you avoid common issues and enjoy peace of mind during your trip.
Notify U.S. Bank of Your Travel Plans
Perhaps the most critical step before traveling to Japan is notifying U.S. Bank about your upcoming trip. This helps prevent your card from being flagged for suspicious activity when foreign transactions suddenly appear.
You can set up a travel notice through several convenient methods:
- U.S. Bank mobile app: Navigate to the “Card Management” section
- Online banking: Look for the “My Accounts” tab, then “Account Services”
- Phone: Call the customer service number on the back of your card
Pro Tip: Set your travel dates a few days before and after your actual trip to accommodate any unexpected schedule changes or delays.
Check Your Card’s Expiration Date
Nothing is more frustrating than discovering your card will expire mid-trip. Verify that your U.S. Bank credit card will remain valid throughout your entire stay in Japan. If it’s expiring soon, request a replacement at least 3-4 weeks before departure.
Verify and Adjust Daily Spending Limits
U.S. Bank typically sets daily purchase and ATM withdrawal limits on credit cards. Before traveling to Japan:
- Check your current limits through online banking or the mobile app
- Consider requesting temporary limit increases if needed
- Remember that cash advances often have separate, lower limits
Set Up Transaction Alerts
Enable real-time notifications for all card activities to monitor for:
- Unauthorized transactions
- Successful purchases in Japan
- Declined transactions
- Large withdrawals
These alerts can be delivered via text, email, or push notifications through the U.S. Bank app, giving you immediate awareness of all account activity.
Download and Test the U.S. Bank Mobile App
The U.S. Bank mobile app will be your financial command center while traveling. Before leaving:
- Download the latest version
- Ensure your login credentials work
- Familiarize yourself with the international services section
- Verify your phone can connect to Japanese mobile networks (or plan to use WiFi)
Save Emergency Contact Information
Store these important contacts in your phone and as a paper backup:
| Contact Purpose | Number/Information |
|---|---|
| U.S. Bank International Customer Service | 1-503-401-9991 (collect calls accepted) |
| U.S. Bank Card Services | 1-800-285-8585 |
| Card Cancellation/Lost Card | 1-800-285-8585 |
| U.S. Embassy in Tokyo | 03-3224-5000 |
Test Your Card for International Transactions
Make a small online purchase from a Japanese retailer before your trip. This accomplishes two things:
- Confirms your card works for international transactions
- Helps you understand how foreign transaction fees appear on your statement
Prepare Backup Payment Methods
Even with perfect preparation, technical issues can occur. Always have:
- A second credit card from a different bank
- Cash in Japanese yen (¥10,000-¥30,000 recommended for arrival)
- Digital payment options like Apple Pay or Google Pay (where accepted)
Taking these preparatory steps will significantly increase the likelihood of using your U.S. Bank credit card in Japan without complications, allowing you to focus on enjoying your Japanese adventure rather than sorting out payment problems.
Troubleshooting Card Issues in Japan
Despite careful planning, you may encounter issues with your U.S. Bank credit card while traveling in Japan. Here’s how to handle common problems:
What to Do If Your Card Is Declined
If your card is unexpectedly declined, don’t panic. Follow these steps:
- Check your available credit through the U.S. Bank mobile app or online banking
- Try a smaller transaction as some merchants have minimum transaction requirements
- Ensure the terminal accepts your card network (Visa, Mastercard, etc.)
- Ask the merchant to try processing the transaction manually
- Use a different card reader if available, as some older terminals may have compatibility issues
If these steps don’t resolve the issue, the problem might be related to fraud protection measures or network connectivity.
Contacting U.S. Bank from Japan
When you need immediate assistance, you have several options:
- Call the international number on the back of your card (typically toll-free)
- Use the U.S. Bank mobile app to send secure messages to customer service
- Access online banking to manage your account or report issues
- Use the U.S. Bank 24/7 customer service line: 1-800-872-2657 (but remember to dial the international access code first)
Pro tip: Save U.S. Bank’s contact information in your phone before traveling to avoid searching for it during an emergency.
Navigating Language Barriers with Merchants
Language differences can complicate card transactions in Japan:
- Show your card rather than verbally asking if cards are accepted
- Use translation apps like Google Translate to communicate specific issues
- Have key phrases written in Japanese, such as “Please process as credit, not debit”
- Point to the card network logo (Visa/Mastercard) on promotional materials in the store
- Ask your hotel concierge for assistance with translation when possible
Dealing with Damaged Cards
If your card becomes damaged during your trip:
- Try cleaning the magnetic stripe gently with a soft cloth
- Manually enter the card number if the merchant allows it
- Use mobile payment options like Apple Pay or Google Pay if your card is added
- Request an emergency replacement if the damage prevents all use
Lost or Stolen Cards
If your card goes missing:
- Immediately lock your card through the U.S. Bank mobile app
- Report the loss or theft to U.S. Bank’s fraud department
- File a police report if the card was stolen (some merchants may require this)
- Document all unauthorized charges for dispute purposes
- Switch to your backup payment method while waiting for a replacement
Emergency Card Replacement Options
U.S. Bank offers several solutions for cardholders needing emergency replacements:
| Service | Timeframe | Notes |
|---|---|---|
| Emergency card replacement | 1-3 business days | Can be sent to your hotel or temporary address |
| Emergency cash advance | Same day (typically) | Available at select financial institutions |
| Virtual card number | Immediate | May be provided for online purchases |
| Expedited shipping | 24-48 hours | Additional fees may apply |
Important: Emergency services may vary based on your specific U.S. Bank card type and relationship status. Premium cardholders often receive priority service.
Remember that in Japan’s cash-oriented society, always having a backup payment method is essential while resolving any card issues.
Alternative Payment Methods in Japan
While your U.S. Bank credit card can be useful in Japan, it’s wise to have alternative payment methods available. Japan’s unique payment landscape requires a multi-faceted approach to ensure you’re never caught without a way to pay.
IC Cards: Your Best Friend for Transit and Small Purchases
Suica and Pasmo cards are prepaid IC (Integrated Circuit) cards that serve as essential tools for navigating Japan’s complex transit systems and making small purchases:
- Easy transit access: These cards work on virtually all trains, subways, and buses in major urban areas
- Convenience store purchases: Use them at 7-Eleven, Lawson, Family Mart, and other convenience stores
- Vending machines: Most modern vending machines accept IC cards
- Small retailers: Many shops, especially in train stations, accept these cards
You can purchase and reload these cards at train stations, with initial costs around ¥1,000 (including ¥500 deposit). The remaining balance is refundable when you leave Japan, though many travelers keep them as souvenirs or for future trips.
Mobile Payment Options
Japan has embraced various mobile payment platforms that you might consider using:
- Apple Pay/Google Pay: Limited acceptance but growing, especially in tourist areas
- PayPay: A popular QR code-based payment system (requires Japanese phone number)
- LINE Pay: Connected to the popular messaging app (may require Japanese bank account)
- Rakuten Pay: Widely accepted in Rakuten-affiliated stores
Most mobile payment systems in Japan require a Japanese phone number or bank account, making them less accessible for short-term visitors.
Prepaid Travel Cards
Consider obtaining a prepaid travel card before your trip:
- Wise (formerly TransferWise): Offers competitive exchange rates and a multi-currency card
- Revolut: Provides excellent exchange rates and ATM withdrawals
- Travel Money Cards: Available from various financial institutions including some U.S. banks
These cards typically offer better exchange rates than traditional currency exchange services and provide a secure alternative to carrying large amounts of cash.
Cash: Still King in Japan
Despite technological advances, cash remains essential in Japan:
| Recommended Cash Amount | Suitable For |
|---|---|
| ¥5,000-¥10,000 | Day trip in urban area |
| ¥10,000-¥30,000 | Weekend trip |
| ¥30,000-¥50,000 | Week-long trip |
| ¥50,000+ | Extended stay or rural travel |
Pro Tip: Separate your cash into different secure locations (hotel safe, money belt, different pockets) to minimize risk.
Currency Exchange Options
For obtaining Japanese yen:
- Before traveling: Exchange a small amount at your local U.S. Bank branch
- At Japanese airports: Convenient but rates are typically less favorable
- ATM withdrawals: Often provide better rates than currency exchange counters
- Post offices and 7-Eleven stores: Offer some of the best exchange rates in Japan
Remember that many smaller establishments, traditional ryokans (inns), markets, and rural areas operate on a cash-only basis, making it essential to always have yen on hand regardless of your U.S. Bank card’s capabilities.
Best U.S. Bank Cards for Japan Travel
Not all U.S. Bank credit cards are created equal when it comes to international travel. If you’re planning a trip to Japan, choosing the right card can save you hundreds of dollars in fees and provide valuable benefits that enhance your travel experience.
Cards with No Foreign Transaction Fees
Several premium U.S. Bank credit cards waive the standard 3% foreign transaction fee, making them ideal companions for your Japan adventure:
- U.S. Bank Altitude® Reserve Visa Infinite® Card – The flagship travel card with no foreign transaction fees
- U.S. Bank Altitude® Connect Visa Signature® Card – Mid-tier option with strong travel benefits
- U.S. Bank Cash+® Visa Signature® Card – Flexible rewards card with no foreign fees
Travel Rewards Benefits for Japan Travel
When selecting a U.S. Bank card for your Japan trip, look for these valuable earning opportunities:
| Card | Points on Travel | Points on Dining | Japan-Specific Benefits |
|---|---|---|---|
| Altitude Reserve | 5X on mobile wallet purchases | 3X on dining | Works with Suica mobile app for transit |
| Altitude Connect | 4X on travel | 2X on dining | No foreign transaction fees |
| Cash+ Visa Signature | Customizable categories | Select dining as 5% category | Flexible redemption options |
The Altitude Reserve particularly shines in Japan, where mobile payments are increasingly accepted in major urban centers.
You can earn 5X points when using mobile wallets like Apple Pay or Google Pay at compatible terminals throughout Tokyo, Osaka, and other cities.
Travel Protection and Insurance Coverage
Premium U.S. Bank cards offer valuable protections that can save you thousands in case of travel disruptions in Japan:
- Trip cancellation/interruption insurance – Covers non-refundable expenses if your Japan trip is canceled due to covered reasons
- Travel accident insurance – Provides coverage for accidents during your journey
- Lost luggage reimbursement – Particularly valuable given Japan’s vast transportation network
- Emergency evacuation coverage – Critical for peace of mind when traveling in earthquake-prone Japan
The Altitude Reserve offers the most comprehensive protection package, including emergency evacuation coverage up to $10,000.
Airport Lounge Access
Long flights to Japan can be exhausting. Premium U.S. Bank cards offer lounge access to help you refresh:
- Altitude Reserve: Complimentary Priority Pass Select membership with 4 free visits per year (including guests)
- Altitude Connect: Provides annual credit toward lounge visits
This benefit allows you to access lounges at major Japanese airports like Narita, Haneda, and Kansai International, providing comfortable spaces to relax before your return flight.
Concierge Services for Japan Travelers
Premium U.S. Bank cardholders gain access to concierge services that can be invaluable in Japan:
“The concierge service through my Altitude Reserve helped me secure reservations at an exclusive ryokan in Kyoto during cherry blossom season—something I couldn’t have managed on my own.” — U.S. Bank cardholder
These services can assist with:
- Restaurant reservations (particularly helpful for high-end or hard-to-book establishments)
- Activity recommendations and bookings
- Translation assistance
- Shopping recommendations
Annual Fees and Value Proposition
While premium cards carry annual fees, the benefits often outweigh the costs for Japan travelers:
- Altitude Reserve: $400 annual fee, offset by $325 annual travel credit
- Altitude Connect: $95 annual fee, waived the first year
- Cash+: No annual fee
For a typical two-week Japan trip, the Altitude Reserve can save approximately $150-$300 in foreign transaction fees alone, not counting the value of points earned, lounge access, and insurance benefits.
Application Considerations
Before applying for a premium U.S. Bank card for your Japan trip:
- Consider your credit score – These cards typically require good to excellent credit (720+)
- Plan ahead – Apply at least 3-4 months before your Japan trip to ensure you receive the card in time
- Existing relationship – Having a prior banking relationship with U.S. Bank may improve approval odds
Bottom line: If you’re planning a trip to Japan, upgrading to a premium U.S. Bank card with no foreign transaction fees and travel benefits can significantly enhance your experience while saving you money.