I think many people are struggling to choose credit cards with high point return rates, but ultimately, using multiple cards for different purposes is the most efficient way. There's a big difference between a card that offers 0.5% cashback on online shopping and one that offers 18%.

Whether you have a card that increases your cashback rate at your frequently visited stores really affects how many points you accumulate. If you're a PayPay user, using the PayPay Card gives you 1% cashback plus 5% at Yahoo! Shopping. If you mainly shop at Rakuten Ichiba, you can aim for 3% to 18% cashback with the Rakuten Card. For people who often shop at 7-Eleven and Amazon, the JCB Card W offers 2% cashback.

When choosing a credit card that earns points, it's good to start with cards that have no annual fee and offer at least 1% cashback as standard. You can also combine cards like the d Card, which increases cashback at partner stores, or use cards like the au PAY Card that allow double point earning.

Honestly, it's not just about the cashback rate; it also depends on where you shop most often. For example, SoftBank users can get 10% cashback on their mobile bills with the PayPay Card Gold, which can offset the annual fee. The Mitsui Sumitomo Card Platinum offers 7% cashback at convenience stores.

To make the most of your point-earning credit cards, keep an eye on campaigns. Timing your shopping during events like Rakuten Ichiba's "Shopping Marathon" or when multiple campaigns overlap can save you more. Also, combining cards for double point earning—like Rakuten Pay + Rakuten Card or d Payment + d Card—can be quite effective.

For no-annual-fee credit cards that earn points, the PayPay Card, JCB Card W, Rakuten Card, d Card, and au PAY Card are solid choices. The key is to select based on your lifestyle and shopping habits.