The Credit Card That Actually Approved Me as a Foreign Engineer in Japan — Epos Card

 [PR] The Credit Card That Actually Approved Me as a Foreign Engineer in Japan — Epos Card

 

This page contains a PR (advertisement). I'm a participant in the Epos Card affiliate program.

 

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Getting a credit card as a foreigner in Japan is a bigger wall than people expect. I applied to other cards and got rejected — no explanation, just a flat "not approved." It's genuinely discouraging when you're already dealing with everything else that comes with moving to a new country.

 

The card that actually worked for me was Epos Card.

 

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Why Epos Card

 

Epos is issued by Marui, and their in-store staff are used to handling applications from foreign residents. You can apply online, but you can also walk into a Marui store and get help in person — that in-person option is what made the difference for me.

 

What you need before applying

 

- A residence card with enough time left on it

- A Japanese address

- A Japanese bank account

- A Japanese phone contract

 

If any of these are missing, that's usually the real reason an application gets rejected — not nationality. Worth double-checking before you apply.

 

No annual fee, ever

 

Epos has zero annual fee, permanently. No spending threshold to keep it free, no first-year-free trick that turns into a charge later.

 

Points rate

 

The base rate is 1 point per ¥200 spent (about 0.5% back). It's not the highest rate out there, but Epos also runs "Marui to Maruo no 7-Day Sale" four times a year — 10% off at Marui stores and their online shop — which adds up if you shop there.

 

One thing that changed (July 2026 update)

 

Most guides don't mention this: Epos raised its overseas transaction fee from 2.20% to 3.85% starting July 1, 2026. If you plan to use this card a lot while traveling, that's worth factoring in — it's no longer the cheapest option for spending abroad.

 

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Bottom line

 

If you're new to Japan and another card already turned you down, Epos — especially applying in person at a Marui counter — is worth trying next.

 

You can apply through the banner below.

 

 

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Information on this page reflects conditions at the time of publishing. Check the official site for current terms.

Is Apple really the best fruit to keep the doctor away?

    "Apple a day keeps a doctor away" is the something probably everyone has heard of or seen. I used to think it must have some essential vitamins or minerals required for a child's growth both physically and mentally but never thought it tasted like it is hyped.

    Apple has been the only fruit I never was big fan of, it tastes slightly sweet and got less juice than a pear. So throughout my childhood I was forced to have an apple or in some way or form was forced to take it once a day supposedly for my better growth. Growing up it has always been in my mind why apple was considered such a fruit that will help you to be healthy and not any other fruits, is it a marketing stunt? or is it just a myth followed down in generations? Whatever might be the case it was not just in my home country but in most of the countries I have visited seems to be the same norm.

    Ever since my childhood I used to love bananas, I know this might not be the fruit of choice for everyone but I think it is one of the tastiest fruit there is, it is easier to consume and easy to digest and you can have it anywhere and anytime. Digging down the web, It is reach in potassium vital for the body to grow and doesn't consists of much calories, to be exact 106 calories in a single normal sized banana. If you do a quick google search you can find a number of reason to have a banana but what I want to share with you is the simplicity of the fruit. Easier and convenient to take and much more tastier than the so called king of fruits "apple"

    It might seem like I have a bad history with apple but it just the unjust between fruits and maybe a tiny part of me getting annoyed with people for constantly forcing me to acknowledge the greatness of Apple. whatever be the reason bananas always will be the fruit of choice for me than any apple.