Points and miles collection in Japan for the non-Japanese.
Rent, Points, Repeat: Unlocking Japan’s Hidden Credit Card Hack
If you live in Japan, most likely rent is your biggest monthly expense—so why not make it your biggest points earner? In Japan, some real estate agencies quietly allow credit card payments for rent, even before the US had Bilt. Whether through their own branded cards or by accepting yours, this hidden perk could supercharge your points game. The trick is simple: ask before you sign your lease. Points & Miles Japan uncovers how everyday rent can become your ticket to aspirational travel.
If you’ve been following Points & Miles Japan for a while, you already know the golden rule: the fastest way to rack up points and miles is still through credit card spend. No matter how many clever tricks we uncover—shopping points, walking apps, or banks—nothing beats the sheer velocity of swiping plastic.
But here’s the twist: in Japan, very few residents actually pay their rent or mortgage with a credit card. Surprising, right? Considering rent is often the single biggest monthly expense, it feels like a missed opportunity. I can’t help but wonder—maybe people just never thought to ask their real estate agent when they signed the lease? Or maybe they assumed it wasn’t possible.
I’ve consumed points and miles content from all over the world, especially the US, where rent payments via credit card became a hot topic thanks to Bilt. But here’s the fun part: Japan had this option even before Bilt existed. Yes, really. Some real estate companies issue their own branded credit cards, while others simply allow tenants to use their existing cards. It’s not universal, but it’s definitely out there.
The catch? You need to ask. Before signing your lease contract, check with the agency if they allow credit card payments. It’s one of those things that won’t be offered upfront, but if you raise the question, you might just unlock a steady stream of points every month—without changing your lifestyle at all.
Imagine: every rent payment quietly stacking up toward your next ANA upgrade, Marriott redemption, or Rakuten Super Point spree. It’s the kind of everyday spend that turns into aspirational travel without the headache of chasing promos.
So, next time you’re apartment hunting in Japan, don’t just ask about square footage or sunlight exposure. Ask the real question: “Can I pay rent with my credit card?” You might be surprised at the answer—and your points balance will thank you.