Mitsuwa JCB Card

Increase the value of your shopping experience at the Mitsuwa Marketplace

Mitsuwa Marketplace and JCB have created a credit card customized especially for the Mitsuwa shopper.


10% Savings at Mitsuwa

When you use your Mitsuwa JCB Card, you can enjoy 10% savings on purchases at Mitsuwa Marketplace during the months of February, May, August, and November from Monday through Thursday each week.


Cash Back

You will receive up to 1% Cash Back Points for all purchases you make with your Mitsuwa JCB Card.


Rates

Purchase APR 11.75% ††
Balance Transfer APR 11.75% ††
Cash Advance APR 11.75% ††

††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

Savings do not apply to the Food Court, other tenants, purchase of alcohol, cigarettes, milk and designated items during sales events.

Cash Back Point Calculation

Earn up to 1% cash rebates for all new purchase transactions made with the Mitsuwa JCB Card.

For every $200.00 in purchases in a statement cycle period, you will receive 1 JCB Cash Back Point, which is a $2.00 cash value.

Example

Total Purchase Amount Points Value
$0.00 – $199.99 0 $0.00
$200 – $399.99 1 $2.00
$400 – $599.99 2 $4.00
$600 – $799.99 3 $6.00
$800 – $999.99 4 $8.00

Point Information

JCB Cash Back Points will appear on your account 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”.


Cash Back Points are calculated on every $200 purchased. There is no expiration on your Cash Back Points redemption. A minimum of 5 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.

Applying for a JCB Card

How do I apply for a JCB Card?

The easiest way to apply is to download, complete, and mail your application form to:

JCB International Credit Card Co, Ltd.
Attn: Cardmember Services
700 South Flower Street, Suite 1000
Los Angeles, CA 90017

Downloadable applications can be found on this website in the For Consumers section. Select the specific card you are interested in and go to the Apply tab.

You may also contact us to request an application be sent to you.

Do I need to fill out all the information requested on the application?

Yes. The omission of information may delay the processing of your application and/or result in a decline decision of your application.

How can I find out the status of my application?

For the status of your application, please call Credit Services at 1-800-366-4522, Monday through Friday
from 9 a.m. to 5:30 p.m. Pacific Time.

How long will it take to process my application?

Please allow up to 4 weeks for us to process your application once it is received.

What is the minimum age to apply?

You must be at least 21 years of age to apply.

Do I have to be a resident of the United States to apply?

Yes. The applicant must be a U.S. citizen, permanent resident or valid visa holder AND must reside in one of the following states:

JCB Standard or Mitsuwa JCB Card
California, Connecticut, Hawaii, Illinois, Nevada, New Jersey, New York, Oregon or Washington

Marukai Premium and Marukai JCB Card (California)
California, Nevada, Oregon or Washington

Marukai Premium and Marukai JCB Card (Hawaii)
Hawaii

Can I add a family member to my JCB Card account?

Yes. You may add a family member who is at least 18 years of age to your JCB Card account at no additional cost to you. Certain restrictions apply for specific card products.

What is the credit limit?

Your credit limit is based on our credit evaluation and can be as high as $12,000 and not less than $500. You will be assigned the highest credit limit for which you qualify.

Can I request a Credit Limit Increase?

Yes. We require at least 6 months of payment history on your account before we can make a decision for a credit limit increase. Please contact Cardmember Services for assistance concerning when and how to apply for an increase to your credit limit.

Payments & Fees

What is the minimum payment?

For residents of California: 5% of the New Balance shown on your billing statement or $15 (whichever is greater) plus any part of the previous month’s Minimum Payment Due that is past due and any amount by which your New Balance exceeds your assigned credit limit.

For residents of Connecticut, Hawaii, lIlinois, Nevada, New Jersey, New York, Oregon or Washington: 3% of the New Balance shown on your billing statement or $15 (whichever is greater) plus any part of the previous month’s Minimum Payment Due that is past due and any amount by which your New Balance exceeds your assigned credit limit.

Where do I send my payment?

Your billing statement will indicate the address to send your payment. However, if you have misplaced your billing statement, send your payment to:

JCB International Credit Card Co., Ltd.
Attn: Cardmember Services
700 S. Flower Street, Suite 1000
Los Angeles, CA 90017

Is there an annual fee?

JCB Standard or Mitsuwa JCB Card
NO ANNUAL FEE

Marukai JCB Card (California)and Marukai JCB Card (Hawaii)
NO ANNUAL FEE
$10.00 Marukai membership fee charged annually.

Marukai Premium Card (California) and Marukai Premium JCB Card (Hawaii)
NO ANNUAL FEE for the first year. $15.00 annual fee beginning the second year.
NO MARUKAI MEMBERSHIP FEE for the first year. $10.00 annual fee beginning the second year.

What are other fees charged to the account?

Cash and Check Advance (including Balance Transfers):
Either $2 or 2% of the amount or 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.

If you are late on your payment, you may be charged a fee per occurrence. No over limit fee is assessed on your account.

For details on a specific product, please refer to the JCB Consumer Credit Card Agreement and Disclosure

Billing

What is the grace period for repayment of balances for purchases?

You have at least 27 days to repay your balance for purchases before an interest charge on purchases will be imposed provided you have paid your previous balance in full by the Payment Due Date. There is no grace period for cash and check advance balances.

What is the method of computing the balance for purchases?

The interest charge is calculated on the Average Daily Balance (including new transactions).

How is the Average Daily Balance calculated for purchases?

The Average Daily Balance is calculated by adding together the purchase balance of the account for each day in the billing cycle and dividing the sum by the number of days in the billing cycle.

How is the Average Daily Balance calculated for cash or check advances?

The Average Daily Balance is calculated by adding together the cash or check advance balance of the account for each day in the billing cycle and dividing the sum by the number of days in the billing cycle.

Basic Information

Do you provide customer service in Japanese?

Yes. Cardmember Services provides customer service in Japanese, Monday through Friday
from 9:00 a.m. to 5:30 p.m. Pacific Time and can be reached at 800-366-4522 or 800-FON4JCB.

Where can I use my JCB Card?

JCB cards are accepted at over 5.5 million locations in the U.S. that accept the Discover® Network. JCB cards are also accepted at over 23 million locations in 190 countries and territories, including most major airlines, hotels, car rental agencies, and thousands of fine restaurants and retail stores.

Tell me more about the JCB Plaza.

JCB Plaza Lounges are membership lounges located in nine major cities across the globe including Los Angeles and Honolulu. Our friendly multi-lingual staff will provide you with information on local JCB merchants, make reservations at JCB merchant restaurants, arrange local sightseeing tours, and answer any other questions you may have to make your travel more enjoyable.

Please have your JCB Card with you when calling or visiting a JCB Plaza Lounge.

Can I use my JCB Card in an ATM?

In the US, your JCB Card is accessible at ATMs with the Cirrus logo.

Internationally, JCB is a member of CIRRUS. Also, your JCB Card can be used at all JCB ATMs, UFJ ATMs, and ATMs at Seven-Eleven (Seven Bank) in Japan and at Postal Office ATMs in Japan.

Card Features

How do I redeem my JCB Cash Back Points?

Contact Cardemember Services and you may redeem your points via our automated system or speak with a representative who will assist you in redeeming your points.

Minimum points for redemption vary by product. Please see the product disclosure or contact Cardmember Services for assistance.

Is the Marukai membership fee included with my Marukai JCB Card?

Your Marukai membership is separate from the Marukai JCB Card. Marukai members must pay for their Marukai membership fee in accordance with the terms of their Marukai membership agreement. However, for your convenience, your Marukai membership fee is billed to your Marukai JCB Card on the anniversary of your Marukai JCB Card issuance.

Contacting Us

How do I reach Cardmember Services?

By telephone:

1-800-366-4522 or 1-800-FON4JCB
Monday through Friday from 9:00 a.m. to 5:30 p.m. Pacific Time

By mail:

JCB International Credit Card Co., Ltd.
Attn: Customer Service
700 S. Flower Street, Suite 1000
Los Angeles, CA 90017

Or, Contact Us

How do I report a lost or stolen card?

If your card is lost or stolen please contact Cardmember Services immediately. Representatives are available to assist you 24 hours a day at 1-800-366-4522 or 1-800-FON4JCB in English and Japanese.

Interest Rates and Interest Charge
Annual Percentage Rate (APR) for Purchases 11.75%
APR varies with the market based on the Prime Rate
APR for Cash and Check Advances (including Balance Transfers) 11.75%
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 December 11, 2012, which was 3.25%. 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.

The 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 Mitsuwa JCB Card to purchase an airline ticket.
  • Lost Luggage Insurance coverage of up to $1,000 if you use your Mitsuwa JCB Card to purchase an airline ticket.

International Travel Assistance

As a Mitsuwa 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 Mitsuwa JCB Card is accepted at over 5.5 million locations in the U.S. that accept the Discover® Card! The Mitsuwa JCB Card is also accepted at over 23 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 JCB Card 24 hours a day, 7 days a week at any ATM with the Cirrus logo using your personal identification number (PIN).


Mitsuwa Market Place Locations

Torrance:
21515 Western Ave., Torrance, CA 90501

Irvine:
14230 Culver Dr., Irvine, CA 92604

Costa Mesa:
665 Paularino Ave., Costa Mesa, CA 92626

San Gabriel:
515 W. Las Tunas Dr., San Gabriel, CA 91776

Santa Monica:
3760 Centinela Ave., Los Angeles, CA 90066

San Jose:
675 Saratoga Ave., San Jose, CA 95129

New Jersey:
595 River Road, Edgewater, NJ 07020

Chicago:
100 E. Algonquin Road, Arlington Heights, IL 60005

San Diego:
4240 Kearny Mesa Road #119, San Diego, CA 92111

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 Mitsuwa JCB Card

There are three easy ways to apply:

  1. You may download a PDF version of the Mitsuwa JCB 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
    700 S. Flower Street, Suite 1000
    Los Angeles, CA 90017

  2. You may pick up the Mitsuwa JCB Card application at any Mitsuwa Maket Place.
  3. 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.
Cash Back
Up to 1%

Purchase APR
11.75%

Balance Transfer
APR
11.75%

Annual Fee
$0.00