私の所有しているクレジットカードを紹介。

クレジットカード
この記事は約5分で読めます。
このブログを書いてる人
たるもとこうき

大阪市内で写真スタジオを経営しながら旅する生活。飛行機に乗る事が好き。クレカ情報や楽天ポイントの活用方法はわりと詳しい。航空券・ホテルの情報など書いてます。YouTubeチャンネルもよろしくお願いします。

フォローする

こんにちは!
世界を旅する写真屋さんのたるもとです!

皆様は、クレジットカードを何枚持ってますか?
持っているカードを上手に使いこなしていますか?

この記事を読んで、使っていないカードの整理をするのも良いかも!

私のクレジットカードはこんな感じ!

まず私の持っているカード枚数や、どこのブランドを使ってるかご説明しますね。

2020年9月4日現在

所有しているカードは4枚!

カード名 ブランド 区分 年会費 使用用途 その他
楽天カード MasterCard プレミアム 11,000円 メインカード クレヒス育て中 (目指せ!楽天ブラックカード)
楽天ビジネスカード Visa プレミアム 2,200円 事業用の決済専用。 事業専用なので経理がとっても楽!
アコムACカード MasterCard 一般 無料 海外キャッシング専用 海外キャッシングで手数料が最もお得なカード
ゴールドポイントカード・プラス Visa 一般 無料 不使用 ヨドバシカメラが発行するカード

所持しているカードは事業用を含めて4枚でした。

  • Visa 2枚
  • MasterCard 2枚

しかし、実際使用しているのは、楽天の2枚のカードのみ。

使用していない2枚のカードとは?

引き出しの奥に眠ってます。 ブランド 区分 年会費
アコムACカード MasterCard 一般 無料
ゴールドポイントカード・プラス(ヨドバシカメラ) Visa 一般 無料
  • アコムACカード
    海外旅行のキャッシング専用。パスポートと一緒に保管中。
  • ヨドバシカード(通称)
    私の本業はカメラマンなので、念の為に所有中。特に使用せず、保管中。

過去に保有していたカード

現在は解約済み ブランド 区分 年会費
三井住友カード MasterCard プライムゴールド 5,500円
三井住友ビジネスカード For owners Visa 一般 1,375円
オリコカード MasterCard 一般 無料
JCB CARD W JCB 一般 無料
  • 三井住友プライムゴールドカード
    サービスの面での改悪が続き、使い続ける価値が無いと判断しました。メイン使用のカードでしたが、楽天プレミアムカードをメインで使うことにしました。
  • 三井住友ビジネスカード
    プライムゴールド解約に合わせて解約。メインの楽天プレミアムカードの付帯カード「楽天ビジネスカード」をビジネス用のメインに使用しています。
  • オリコカード
    ポイント還元率が1%で年会費無料の優秀なカードです。しかし、これと言った特徴が無く、カードも会員特典も全く使用していないので、カード整理を兼ねて解約しました。
  • JCB W
    発行してから1度も使うこと無く解約しました。JCB持ってないから持っておきたいと思い発行しましたが、必要性を感じなくなりました…汗

オススメの国際ブランドは?

基本的にVisaが使えてMasterCardが使えない場所を見たことがありません。逆も同じく。

「アメリカではVisa」「ヨーロッパではMasterCard」が強いという言葉もありますが、今はそこまで気にする必要が有りません。

JCBを否定するわけでは無いですが、最低でもVisaかMasterCardを1枚持つのをオススメします。

できれば、JCBを含めて1枚ずつ持つのが理想ですね。

私がJCBを使わない理由

JCBを批判するつもりは有りませんし、あくまで個人の感想です。

  • 海外で使えるところが少なすぎる。
    理由は日本発の国際ブランドなので、日本人が良く訪れる国や場所を中心に普及している程度で、例えばアフリカのショッピングセンターなどではまず使えません。ハワイなどでは、JCBカードのラウンジがあったり、持ってるだけでバス代が割引になったりする事もありますが、持って無くても困らない国際ブランドです。本当は、日本発の国際ブランドを応援したいのですが、、、
  • 日本国内でも使い勝手が悪い。
    Visaが使える飲食チェーン店でもJCBは、使えなかったりします。個人商店でも使えない場合も多いです。理由は決済手数料が高いからです。
    私の経営する写真スタジオでは、Squareを導入していますが、VisaやMasterCardの決済手数料は「3.25%」しかし、JCBは「3.75%」と事業者側が負担する手数料が高いのです。これは、他の決済サービスでもほとんど同じくらいの手数料がかかりますし、JCBだけ手数料が割高です。

店舗側もJCBを導入したくないですし、使ってほしくないのが現状でしょう。

正直な事を言うと、決済手数料が高いJCBは、お店泣かせのカードです。泣

何枚カードを持ってればいいのか?

枚数合計は、5枚までに収めるのがオススメ♪

カードを多く持って使い分けると、ポイントなどが分散されて効率が悪くなりやすいです。

せっかく貯めたポイントも有効期限が切れたら、もったいないですよね。管理も大変です。

上手く使いこなす人には当てはまりませんが、よく使うサービスでお得なカードを多くても5枚以内にまとめるのがオススメです。
これは、私の個人的見解ですので、参考までに。

クレジットカードデビューはVisa。2枚目にMasterCard。3枚目にJCB。
この順番でカード作れば間違いないですよ♪

使用していないカードは解約するべし!

今、使っていないカードは、おそらく今後も使うことは無いカードです。
年会費無料のカードなら良いですが、使用していないカードは解約することをオススメします。

使用しないカードを持っているメリットはありません!

この記事を評価する

にほんブログ村 旅行ブログ 一人旅へ にほんブログ村 ネットブログ YouTubeへ

最後まで読んで頂きありがとうございました。
この記事を評価して頂ける方は、上部のバナーをクリックお願いします。

クレジットカード
フォローする
海外に行く人はみんな持ってます!
無保険で海外旅行していませんか?

最高500万円の海外旅行傷害保険が無料で自動付帯なので、旅行先での「事故」「怪我」「病気」の保険もこのカードがあれば安心!

年会費永年無料のエポスカード!
海外旅行には必須!オススメの1枚です。
世界を旅する写真屋さん

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