Marukai Premium JCB Card = Top Cash Rebate?

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Crashem
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Marukai Premium JCB Card = Top Cash Rebate?

Postby Crashem » Mon May 07, 2012 10:55 am

3% cash back after 3k spend a year with no limits. Basically unheard of. Not sure why I didn't post about this card earlier. Obviously less than category cash back cards, but 3% back on your life is amazing. Btw, the seem to be fairly prime lender who pulls experian.

Now the bad

1) Only available to people who live in certain states
2) Its a JCB card which is basically like the VISA or AMEX of Japan. Luckily they recently made deal with Discover so they will be accepted anywhere Discover is accepted
3) Small annual fee

Marukai Premium California

Careful, the website is kind of junky and they have non premium card that is only 3% at Marukai stores (think japanese food supermarket).
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k


dai
 
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Postby dai » Mon May 07, 2012 6:33 pm

Thanks for the info. I am Japanese and I have an account with JCB in Japan.

They're a prime lender and requires a good credit history as far as I know. I believe that their APR is low. It is true that the JCB network is now connected to the Discover network, but it does not mean that JCB cards are accepted anywhere Discover is accepted. Merchants need to opt in.

They do not have online banking system so you need to send a check for payment every month via snail mail. It is appealing to have 3% cash back but there is a cost to it. If you're traveling to Japan, Taiwan, Hong Kong and other Asian countries, JCB comes to be handy; they have a few travel agencies in major cities throughout the world and card members get free refreshments even if you don't buy any service.

I live on the East Coast so I won't be able to apply for the card but if I happened to live in CA, I would apply for one.

Gamma
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Postby Gamma » Sat Oct 12, 2013 12:18 am

I'm surprised this card hasn't gotten much attention here when this was posted or maybe it's because not many people live in the states required to apply for it? How many people here have it? I'm gonna be a cardholder soon after they verify my employment.

cashback
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Postby cashback » Sat Oct 12, 2013 9:24 am

Gamma wrote:I'm surprised this card hasn't gotten much attention here when this was posted or maybe it's because not many people live in the states required to apply for it? How many people here have it? I'm gonna be a cardholder soon after they verify my employment.


From what I read about it, it is difficult to churn with it. They don't have online account management and I believe you have to send them paper checks. So you'd pretty much be guessing about how much of your CL you have available.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

DavidNY
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Postby DavidNY » Sat Oct 12, 2013 11:09 am

I would definitely apply if I lived on the left coast.

cashback
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Postby cashback » Sat Oct 12, 2013 12:54 pm

DavidNY wrote:I would definitely apply if I lived on the left coast.


I probably would too.

To better answer Gamma's question on why it doesn't get more attention, it is because:

-- Low eligibility (geographic)

-- Small CL's

-- Lack of online account management, having to mail paper checks.

-- Low merchant acceptance (as I read, obviously I have no personal experience)
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

Gamma
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Postby Gamma » Sat Oct 12, 2013 9:02 pm

I spoke to a csr about that online account management and I was told that would be up and running in 2 months, but based on other posts I found in other forums, others reported the same thing as far back as 2003. Anyways, I'll keep you guys updated and see how much I'm approved for.

rockyrock
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Postby rockyrock » Sun Oct 13, 2013 2:16 pm

JCB is accepted almost everywhere in Hawaii, even before the Discover deal...
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

Gamma
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Postby Gamma » Sat Oct 26, 2013 4:59 pm

Cards just arrived today. After income verification, I got approved for a whopping 500. I got surprised that even my Target has a higher limit than this. Oh well, I'm happy I got approved for this. Will just pay multiple times throughout statement since I can't call today to rerquest higher limit. Happy that they ended up finally putting online access.

DavidNY
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Postby DavidNY » Sat Oct 26, 2013 8:15 pm

Don't spend it all in one place. Maybe they'll raise that a bit once you have some card history.



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