International Payment Brand from Japan

JCB Standard Card

Enjoy high value-added services and features provided by the JCB Standard Card

No Annual Fee and Up to 1% Cash Back.


Cash Back

Receive up to 1.0% in cash rebates for all purchase transactions.


Rates

Purchase APR 12.75%
Balance Transfer APR 12.75%
Cash Advance APR 12.75%

APR varies with the market based on the Prime Rate.


Annual Fee

No annual fee.


Other Fees

Cash and Check Advance
(including Balance Transfers)
Either $2 or 2% of the amount of each cash of check advance (including balance transfers), whichever is greater.
Foreign Transaction Fee 1.1% on each transaction before conversion to U.S. dollars.


Penalty Fees

Late Payment Fee Up to $15.00 (fee varies by state)
Over-the-Credit-Limit Fee $0.00
Returned Check Fee $0.00


Cash Back Point Calculation

Earn up to 1% cash rebates for all new purchases made with the JCB Standard Card.
For every $100.00 in purchases in a statement cycle period, you will receive 1 JCB Cash Back Point, which is a $1.00 cash value.

Example

Total Purchase Amount Points Value
$0.00 – $99.99 0 $0.00
$100 – $199.99 1 $1.00
$200 – $299.99 2 $2.00
$300 – $399.99 3 $3.00
$400 – $499.99 4 $4.00

Point Information

JCB Cash Back Points will appear on your monthly billing statement. For JCB Cash Back Points that you are entitled to redeem, please refer to the “NEW TOTAL EARNED” and “PRIOR YEAR’S” sections of your statement as shown below:


Cash Back Points are calculated on every $100 purchased. There is no expiration on your Cash Back Points redemption. A minimum of 10 JCB Cash Back Points must be earned for redemption. To redeem your Cash Back Points, call JCB Cardmember Services and a credit for the redeemed point value will be posted on your account. Rebate requests for closed or past due status accounts will not be processed. JCB Cash Back Points do not apply to cash advances, check advances, annual fees, and other fees. Point redemption is subject to change. Other options for Cash Back Point redemption may be offered.

Interest Rates and Interest Charge
Annual Percentage Rate (APR) for Purchases 12.75%
APR varies with the market based on the Prime Rate
APR for Cash and Check Advances (including Balance Transfers) 12.75%
APR varies with the market based on the Prime Rate
Paying Interest Your due date is at least 27 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash and check advances (including balance transfers) on the posted date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
Annual Fee $0.00
Transaction Fees
Cash and Check Advance (including Balance Transfers) Either $2 or 2% of the amount of each cash or check advance (including balance transfers), whichever is greater.
Foreign Transactions 1.1% on each transaction before conversion to U.S. dollars.
Penalty Fees
Late Payment $0.00 for Illinois, New York, Oregon or Washington residents.
$10.00 for California residents.
For all others: Up to $15.00
Over-the-Credit-Limit Fee $0.00
Returned Check $0.00

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases).”

The Prime Rate used to determine the APR is the rate published in The Wall Street Journal on September 12, 2017, which was 4.25%. The APR may change quarterly on the first day of the billing cycle beginning in April, July, October and January, based on the Prime Rate on the second Tuesday of March, June, September and December.

APR will not exceed 16.0%.

Notice to New York Residents: New York Residents may contact the New York State Banking Department to obtain a comparative history of credit card rates, fees and grace periods at 1-800-522-3330.

Travel Insurance

  • Air/Common Carrier Insurance coverage of up to $250,000 if you use your JCB Standard Card to purchase an airline ticket.
  • Lost Luggage Insurance coverage of up to $1,000 if you use your JCB Standard Card to purchase an airline ticket.

International Travel Assistance

As a JCB Cardmember, you are entitled to receive concierge services at JCB Plaza Lounges and JCB Plazas worldwide. To make your travel easier, you can visit any of our 60 JCB Plaza Lounges and JCB Plazas worldwide for services including merchant listings, emergency card replacement, and reservations.


Worldwide Merchant Acceptance

In the U.S., the JCB Card is accepted at over 7.3 million locations in the U.S. that accept the Discover® Card! The JCB Card is also accepted at over 33 million locations in 190 countries and territories, including most major airlines, hotels, car rental agencies, and thousands of fine restaurants and retail stores.


Cardmember Service

A toll-free customer service line (1-800-366-4522) is available to handle your needs including balance inquiries, Cash Back Point redemptions, and lost card replacement 24 hours a day via our automated system. If you would prefer or need to speak with a JCB Cardmember Services Representative please contact JCB during our normal business hours Monday through Friday from 9:00 a.m. to 5:30 p.m. Pacific Time. For your convenience, services are available in both English and Japanese.


Convenient ATM Access

You can obtain cash with your Marukai JCB Card 24 hours a day, 7 days a week at any ATM with the Cirrus logo using your personal identification number (PIN).

To Qualify:

  1. Must be U.S. citizen, permanent resident or valid visa holder
    AND
    Must be a resident of the state of California, Connecticut, Hawaii, Illinois, Nevada, New Jersey, New York, Oregon or Washington
  2. Must be 21 years old or older

How to Apply for the JCB Standard Card

You may download a PDF version of the JCB Standard Card application:

If you do not have Adobe Reader©, you can download it from Adobe

Complete the application and submit to:

JCB International Credit Card Co., Ltd.
Attn: Cardmember Services
800 West 6th Street, Suite 200
Los Angeles, CA 90017

You may also contact Cardmember Services by phone at 1-800-366-4522 during our normal business hours Monday through Friday from 9:00 a.m. – 5:30 p.m. Pacific Time or by Contact Us to request an application to be mailed to you.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account such as your name, address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying documents.

Cash Back
Up to 1%

Purchase APR
12.75%

Balance Transfer
APR
12.75%

Annual Fee
$0.00