Curious if anyone has tried to run the majority of their spending in Japan on US-issued cards, while being paid in yen.

    Context:

    • Living in Japan, earning ¥
    
    • Want to charge as much day-to-day spend as possible to a US card (no FTF)
    
    • We travel a lot: \~4 international round trips/year as a family of 3 (Asia + Europe + US)
    
    • Assume \~1% friction to get money back home (Wise, etc.) — I’d want that included in the math
    

    Current setup / options I’m considering:

    • I have a Chase Sapphire Preferred and I’m eligible to downgrade to a Freedom, then potentially go for a Sapphire Reserve SUB
    
    • Also wondering about an Amex setup: does it make sense if I care about ANA (MR → ANA), or is acceptance / practicality in Japan too annoying?
    
    • Or is something like Venture X just the “easy button” for overseas spend + travel perks?
    

    Questions:

    1.  Has anyone successfully made a “mostly US cards in Japan” setup not feel like a hassle (acceptance, mobile wallet, etc.)?
    
    2.  When you include \~1% transfer cost (Wise) to true-up USD, does that change what’s optimal (e.g., 2x vs 3x vs category multipliers)?
    
    3.  If you’ve run the numbers: CSR vs Amex MR (ANA) vs Venture X, what actually wins for a Japan-based spender who flies internationally a few times a year?
    
    4.  Any specific cards that play especially well with Japan contactless / Apple Pay and everyday merchants?
    

    Would love input or “here’s what I ended up doing and why.”

    Best way to put most Japan spend on a US card while earning ¥ income? (CSP downgrade → CSR SUB? Amex/ANA? VX?) + transfer fee math
    byu/Huge_Maintenance_612 inCreditCards



    Posted by Huge_Maintenance_612

    2 Comments

    1. sidewinderaw11 on

      How about using the Atmos Summit card for 3X on all foreign spend?

      You will only earn AS points, but you can earn one world status with it.

      **I’m not sure if you can use it to reload suica via apple pay

    2. In Japan if a store accepts credit cards then they almost always take Amex. Amex is pretty widely accepted because they share networks with JCB.

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