Credit Card Not Working in Japan: What Travelers Should Know
This guide is part of our Money in Japan overview and explains what to do if your credit card does not work while traveling in Japan.
Quick overview:
Credit cards are widely accepted in Japan.
However, they do not work everywhere, and travelers may experience rejections in some situations.
Many visitors feel anxious when a card is declined. This guide explains why credit cards may not work, where problems are common, and how to handle them calmly, so you can continue your trip without stress.
Can Credit Cards Stop Working in Japan?
Yes. Even valid credit cards can sometimes be rejected in Japan. This does not always mean there is a problem with your card.
In many cases, the issue is related to the shop, the payment terminal, or local payment practices.
Common Reasons Credit Cards Don’t Work
There are several common reasons why a card may be declined:
- The shop only accepts cash
- The payment terminal does not support foreign cards
- Your card requires additional security verification
- Your bank temporarily blocks overseas transactions
These situations are common for travelers and are usually easy to resolve.
Places Where Card Problems Are More Likely
Credit cards are less reliable in the following places:
- Small restaurants and cafés
- Local shops and street stalls
- Rural areas and small towns
- Older ticket machines or local buses
In these situations, cash is often preferred.
What to Do If Your Credit Card Is Rejected
If your card does not work, try the following steps:
- Confirm whether the shop accepts credit cards
- Try another card if you have one
- Ask politely if cash payment is possible
- Use an ATM to withdraw cash
Most issues are solved quickly by switching to cash.
Using ATMs as a Backup
ATMs are the most reliable backup when credit cards fail. Convenience store ATMs are especially helpful for travelers.
If you are unfamiliar with using ATMs in Japan, this guide explains how it works:
ATM Withdrawal in Japan: What Travelers Need to Know
How to Avoid Credit Card Problems
A little preparation can prevent most card-related issues:
- Carry a small amount of cash
- Bring more than one credit card if possible
- Use credit cards mainly at hotels and large stores
- Do not rely on cards in rural areas
Being prepared helps you stay relaxed if a card does not work.
Related Guides
If you want a clearer picture of payments and money in Japan, these guides may also be helpful:
- Cash or Card in Japan?
- How Much Cash Do You Need for a Japan Trip?
- Money in Japan: A Simple Guide for Travelers
This guide explains common credit card issues for travelers.
Acceptance may vary by location, payment terminal, and card issuer.
Last updated: 2026-01-29
