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
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
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.