Are you still unsure which credit card to choose for your つみたて投資枠? Simply allocating cash sitting in your bank account to a credit card savings plan allows you to invest while earning points. Once set up, it automatically deducts payments, so it’s hassle-free. But with so many options, it’s hard to decide which card suits you best.

We’ve compared and analyzed 25 popular credit cards that support automatic savings. When looking at the three key factors—point cashback rate, annual fee, and ease of using points—you can identify the best card for you.

First, the most important thing is that the most advantageous card depends on your monthly savings amount. If you’re considering a small monthly deposit of less than 50,000 yen, the d Card is the top candidate. It has no annual fee and offers a high cashback rate of 1.10%, which is attractive. It supports savings through Monex Securities, with over 200 investment products available for automatic savings. Saving 50,000 yen a month can earn you around 6,600 points annually, which is quite significant.

If you’re planning to save more than 50,000 yen per month, it’s worth considering the d Card GOLD U. Although limited to ages 18–29, it offers a 1.10% cashback rate on NISA accounts regardless of the deposit amount. The annual fee of 3,300 yen becomes effectively free if you meet certain conditions.

For those using Rakuten Securities, the Rakuten Card is a good choice. If your monthly savings are less than 74,000 yen, it offers a 0.50% cashback rate, allowing you to earn points more efficiently than other Rakuten cards. It has no annual fee and works well with the つみたて投資枠.

For credit card savings via SBI Securities, the Sumitomo Mitsui Card (NL) can be used without an annual fee. However, the points earned are up to 0.5%. Using contactless payments at 7-Eleven or Lawson can give you up to 7% cashback, which is very convenient.

If you want to save through PayPay Securities, the PayPay Card is a good option. It offers a 0.70% cashback rate with no annual fee. Although it has fewer available products, it might be easier for beginners to choose.

For Matsui Securities users, the JCB Card W is recommended. Limited to ages 18–39, it has no annual fee and offers up to 0.50% cashback. Its high cashback rates at 7-Eleven and Amazon are also attractive.

When comparing credit card savings options, the choice largely depends on which securities company you use. Additionally, the benefit varies greatly depending on your monthly savings amount. Selecting the right card to match your savings style is the key to efficiently earning points.