７recommendations for the 2nd credit card! Introduce the strongest combination

Many of you may be wondering, "What's the best credit card to get as my second one?"

Choosing a second credit card with a clear purpose in mind can lead to more effective use.

In this article, we'll introduce recommended cards for your second credit card from the many options available.

The first half of the article presents seven top picks for your second credit card, while the latter half covers important considerations and how to use multiple cards strategically.

We encourage you to find the optimal combination from cards offering attractive perks and cashback rates, as well as recommended supplementary cards.

7 Recommended Credit Cards for Your Second Card

When choosing your second credit card, the abundance of options can be overwhelming, right?

So, we've picked out seven recommended credit cards for you.

We've selected cards that cater to various needs, from overseas travel to everyday use, so please use this as a reference.

①Sumitomo Mitsui Card (NL)

The Sumitomo Mitsui Card (NL) is attractive for its wide range of services and high convenience.

It's especially recommended for frequent overseas travelers as it can be used both domestically and internationally.

When traveling abroad, you can enjoy perks such as access to airport lounges and overseas travel accident insurance.

Moreover, it's easy to accumulate points for domestic use, and there are various preferential services available.

②JCB Card W

The JCB Card W is a set of two cards that can be used at JCB member stores both in Japan and overseas.

It's advantageous for domestic use as you can receive JCB benefits and discounts.

The ability to use JCB's network overseas is also a plus, providing peace of mind when traveling.

Its affordable annual fee makes it an easy choice as a second card.

③AEON Card Select

The AEON Card Select is a credit card that offers great value for shopping at AEON Group stores.

When used at AEON Malls or AEON shops, you can accumulate points more easily than with regular cards.

It also offers a wealth of partner benefits and discount services, making it useful for family shopping and leisure facilities.

Therefore, it's recommended for those who want a second card for daily use.

④Rakuten Card

The Rakuten Card is extremely convenient for online shoppers.

It offers an attractive points program for purchases on Rakuten Ichiba and various partner benefits.

Having this as your second card can make online shopping even more enjoyable.

Additionally, if you sign up for Rakuten Mobile using your Rakuten Card, you can receive benefits such as discounts on communication fees and point cashbacks.

⑤EPOS Card

The EPOS Card is primarily used at fashion and apparel-related stores.

It's recommended for fashion enthusiasts and those who frequently shop for clothing.

The EPOS Card also has a high point return rate, allowing you to accumulate many points through daily shopping.

⑥Saison Pearl American Express® Card

The Saison Pearl American Express® Card is attractive for its high brand power and excellent services.

It's particularly recommended for use at high-end hotels and restaurants both in Japan and abroad.

Having this as your second card can make special experiences and services more accessible.

It's also recommended for travel enthusiasts as you can accumulate both Saison Points and ANA Miles.

⑦d Card

The d Card is a credit card offered by NTT Docomo.

It's especially recommended for Docomo users due to its rich point service and mobile phone bill payment options.

Having this as your second card can make smartphone and internet-related payments more convenient.

Moreover, using the d Card allows you to accumulate points every time you use NTT Docomo services, giving you a sense of great value in your daily life.

3 Key Points to Consider When Choosing Your Second Credit Card

When selecting your second credit card, there are three important factors to consider:

①Choose a Card that Complements Your First One

By selecting a card that offers different benefits and services from your existing credit card, you can expand your coverage.

For instance, let's consider a scenario where your first card excels in online shopping convenience.

By choosing a second card that specializes in travel or dining out, you can increase the number of places where you can use your cards effectively.

It's crucial to select cards that align with your lifestyle and usage scenarios.

②Choose from International Brands

Credit cards from international brands can be used both domestically and overseas.

This makes them reliable for use during international travel.

They are particularly recommended for frequent travelers or those who often shop and dine abroad.

Furthermore, by choosing cards that allow you to combine points, you can maximize your benefits.

③Choose Based on Social Status

The brand power and quality of services, as well as the image and status associated with the card, are also important factors.

This is especially recommended for those who frequently use their cards in business settings or special events.

By choosing a card with high brand value and superior services, you can enjoy a more premium experience.

Selecting a card that matches your lifestyle and usage patterns will lead to higher satisfaction with your credit card use.

Recommended Combinations When Holding Two Credit Cards

So, what are the recommended combinations when choosing your second credit card?

Let's introduce credit card combinations that can be used advantageously.

Rakuten Card × JCB CARD W

The combination of Rakuten Card and JCB CARD W can be used in a wide range of scenarios, from online shopping to daily purchases.

The Rakuten Card, in particular, offers an attractive points program for shopping on Rakuten Ichiba.

JCB CARD W can be used at member stores both domestically and internationally, with many additional benefits.

Therefore, this combination can be used as a highly beneficial pairing.

Sumitomo Mitsui Card (NL) × JCB CARD W The combination of Sumitomo Mitsui Card (NL) and JCB CARD W offers peace of mind with domestic and international usability, along with abundant benefits.

Sumitomo Mitsui Card (NL) is also attractive for its wide range of services and high convenience.

JCB CARD W can be used at member stores both domestically and internationally, making it recommended for those who want to use it in various scenarios such as travel and shopping.

PayPay Card × Rakuten Card

The combination of PayPay Card and Rakuten Card can cover both mobile payments and online shopping.

PayPay Card is convenient for smartphone payments, while Rakuten Card offers an attractive points program for shopping on Rakuten Ichiba.

This combination can be widely used from daily payments to online shopping.

Rakuten Card × Rakuten Card The combination of two Rakuten Cards can make shopping on Rakuten Ichiba even more advantageous.

As it uses the same points program, it's easy to accumulate points, making it recommended for those in the Rakuten ecosystem.

This is a convenient combination for those who regularly use Rakuten for online shopping.

Visa LINE Pay Card × JCB CARD W

The combination of Visa LINE Pay Card and JCB CARD W can be used at various member stores both domestically and internationally.

Therefore, it can be used as a highly convenient combination.

Visa LINE Pay Card can also be used as a charge card for LINE Pay, while JCB CARD W can be used domestically and internationally with many benefits.

Recruit Card × JCB CARD W

The combination of Recruit Card and JCB CARD W is convenient and can be widely used from daily shopping to leisure and travel.

Recruit Card is a card that offers benefits from various Recruit Group companies.

JCB CARD W can be used at member stores both domestically and internationally, with many benefits.

Sumitomo Mitsui Card (NL) × Rakuten Card

The combination of Sumitomo Mitsui Card (NL) and Rakuten Card can balance peace of mind with advantageous benefits.

Sumitomo Mitsui Card (NL) is attractive for its wide range of services and high convenience.

It's also recommended for those in the Rakuten ecosystem as it offers an attractive points program for shopping on Rakuten Ichiba.

JCB CARD W × EPOS Card

The combination of JCB CARD W and EPOS Card can be used at member stores both domestically and internationally, with many benefits.

JCB CARD W is a JCB brand card, while EPOS Card is advantageous for use in fashion and apparel-related stores.

It can be widely used from daily shopping to purchasing fashion items.

Sumitomo Mitsui Card (NL) × Recruit Card

The combination of Sumitomo Mitsui Card (NL) and Recruit Card offers a wide range of services and abundant benefits.

Therefore, it's popular as a combination that can be widely used from daily shopping to leisure and travel.

Sumitomo Mitsui Card (NL) offers peace of mind with domestic and international usability, while Recruit Card offers benefits from various Recruit Group companies.

3 Key Points Considered in the Screening Process for Your Second Credit Card

What points are typically examined when applying for a second credit card? Here, we'll introduce three key points in the screening process.

①Payment History of Your First Card

When screening for a second credit card, the payment history of your first credit card is heavily emphasized.

This is because your past payment record is examined as part of your credit information.

If you can demonstrate regular payments without delays, showing your ability to repay, your chances of passing the screening increase.

Conversely, be cautious as any late or missed payments can negatively impact your credit information and make the screening process more stringent.

②At Least 6 Months Since Applying for Your First Card

When applying for a second credit card, it's preferable that a certain period has passed since obtaining your first credit card.

Generally, if at least 6 months have passed since acquiring your first credit card, it's considered that you've established a sufficient credit history.

Having this period elapsed demonstrates that you've been using your credit card appropriately, thus increasing your credibility.

③Cash Advance Limit Within One-Third of Annual Income

In the screening for a second credit card, the cash advance limit setting is also an important point.

Generally, it's considered desirable to keep the cash advance limit of a credit card within one-third of your annual income.

This setting takes into account your repayment ability.

If the limit is set below one-third of your annual income, it reduces the repayment burden and allows for stable usage, thus increasing the likelihood of passing the screening process.

Two Important Considerations When Getting Your Second Credit Card

When obtaining a second credit card, it's crucial to keep the following two points in mind

①Necessity to Contact All Card Companies in Case of Loss or Theft

One key consideration when acquiring a second credit card is preparing for potential loss or theft.

If you lose your credit card or it gets stolen, you need to immediately contact the card company and initiate the cancellation process.

By reporting to all your credit card companies, you can prevent unauthorized use.

Therefore, when obtaining a second credit card, it's essential to be aware of the contact information and appropriate response measures.

②Possibility of "First Year Only" Annual Fee Waiver

Another important point to consider when choosing a second credit card relates to annual fees.

Some credit cards offer campaigns where the annual fee is waived for the first year only.

As a result, while there may be no annual fee burden in the first year, regular annual fees might apply from the second year onward.

When selecting a second credit card, it's crucial to carefully examine the annual fees and associated services, considering potential future financial commitments.

Frequently Asked Questions About Getting a Second Credit Card

Here are answers to common questions about obtaining a second credit card.

How many credit cards can I have?

One of the most common questions about credit card ownership is how many cards one can hold.

In reality, there is no clear upper limit to the number of credit cards you can have. However, when applying for a credit card, factors such as income and credit information are subject to review.

Therefore, if you have too many credit cards, it may become difficult to be issued a new one.

What's the average number of cards people hold?

The average number of cards held by typical cardholders varies depending on age, income, and lifestyle.

Generally, it seems that many people have about 2-3 cards.

However, this number is just a general trend and varies according to individual circumstances.

Some people own multiple cards and use them selectively for specific scenarios or purposes.

Can I use the same withdrawal account as my first card?

When creating a second credit card, people often wonder about the account used for payments. Usually, it's possible to use the same withdrawal account as your first credit card.

However, this may vary depending on the credit card company.

Therefore, when creating a new credit card, it's important to confirm the account registration method and change procedures.

Can I have a second card from the same company?

What are the benefits? In some cases, you can have a second card from the same credit card company.

The benefits of creating a second card with the same company include point consolidation and overlapping use of perks.

Also, with cards from the same company, you can enjoy different benefits and services specific to that card company, making your usage even more convenient.

Will having a second credit card negatively affect loan screening?

Generally, simply having a second credit card doesn't negatively impact loan screening.

In loan screening, factors such as income and credit information are important elements.

The number of credit cards itself is evaluated based on individual credit status and repayment ability.

However, excessive credit card ownership or borrowing might potentially affect repayment ability negatively.

How can I get a second card for a family member?

Some credit card companies have a family card system.

This allows the primary cardholder to issue cards to family members.

However, issuance conditions and procedures vary by company, so please inquire with the card issuing company for specific methods.

Can students also have a second card?

It is possible for students to have a second credit card. However, in the case of students, income and credit information may be limited.

Therefore, when obtaining a second credit card, it's necessary to meet the credit card company's screening criteria.

Some credit card companies offer special cards or services for students, so it's important to choose an appropriate card.