The bitFlyer Credit Card earns 0.5-1% BTC cashback on a Mastercard credit card with a 0 yen (Standard) / 22,000 yen (Platinum, free first year) fee, available in Japan only.
bitFlyer is a Japanese cryptocurrency exchange founded in 2014 and registered with the Kanto Local Finance Bureau as a crypto-asset exchange operator (registration 00003) and a financial instruments business operator (registration 3294). It is a member of the Japan Virtual and Crypto assets Exchange Association. Its credit card is issued in partnership with APLUS Co., Ltd., a consumer finance company registered with the Kinki Local Finance Bureau.
The bitFlyer Credit Card is a crypto credit card offered by bitFlyer, available in Japan only. It offers 0.5-1% BTC cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at 0 yen (Standard) / 22,000 yen (Platinum, free first year).
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Mastercard network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| bitFlyer Credit Card (Standard) | 0.5% | Free for life, no spend requirement. 0.5% on card shopping |
| bitFlyer Platinum Card | 1% | Free the first year, then 22,000 yen including tax, waived if card shopping reaches 3,000,000 yen or more in the 12 months from the month after enrolment. 1.0% on card shopping |
On $500/mo spend, the estimated monthly cost breakdown for bitFlyer Credit Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $3.00/mo cashback that is still a net cost of about $4.50/mo ($54.00/yr). bitFlyer Credit Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: A true credit card, billed monthly, that pays rewards in bitcoin. Points accrue through APLUS and are automatically converted to bitcoin at 1 point to 1 yen, credited to the holder's bitFlyer account by month end at the conversion-day rate. Points do not expire. Cash advances, the annual fee and certain transactions are excluded from earning. Cards are numberless and support Apple Pay, QUICPay and contactless. Application requires a bitFlyer account, age 18 or over (high-school students excluded), and APLUS credit screening; corporate applications are not accepted. Issuance takes about two weeks. Other published fees: reissue 1,100 yen, cash advance 18.00% annual rate, late payment 14.60%, instalments 12.00-14.40%. The paper-statement fee is stated as 220 yen per issue by bitFlyer and 132 yen by APLUS, so the two sources disagree. VERIFICATION GAP (2026-08-27): bitflyer.com refuses connections at the TLS layer to automated clients, returning 403 or resetting over both HTTP/1.1 and HTTP/2, and aplus.co.jp behaves identically. Every figure here comes from an archived capture of the official card page dated 2026-05-19, the most recent that exists, so lastVerified carries that date rather than the review date. The overseas transaction fee is not published on the card page and could not be extracted from the archived APLUS disclosure, so it is recorded as null. The launch date is not stated on the page either; December 2021 is inferred from the first archive capture of the APLUS disclosure document.
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The bitFlyer Credit Card is a crypto credit card offered by bitFlyer. It is available in Japan only and allows users to spend cryptocurrency at merchants worldwide.
The bitFlyer Credit Card offers 0.5-1% BTC cashback. There are 2 tiers: bitFlyer Credit Card (Standard) (0.5%), bitFlyer Platinum Card (1%).
The bitFlyer Credit Card has an annual fee of 0 yen (Standard) / 22,000 yen (Platinum, free first year).
Yes. The bitFlyer Credit Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The bitFlyer Credit Card is available in Japan only.
The bitFlyer Credit Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the bitFlyer Credit Card supports Apple Pay for contactless payments.
The bitFlyer Credit Card is issued by APLUS Co., Ltd..
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