SHOPIFY and Amazon! American credit card situation. What is the difference from Japan?

by Mitsuaki Akatsuki

The other day, there were more than 100 updates Shopify Edition Summer 2023. It has become a hot topic that the business card "SHOPIFY CREDIT" issued by SHOPIFY has appeared.

In this article, we will also tell you the difference between Japan and the United States and the popular credit card information in the United States!

Differences between American and Japanese credit cards

Credit card dissemination

Credit cards are very popular in the United States, and credit cards are accepted by most major retailers, restaurants, and hotels. Many Americans have multiple credit cards.
In Japan, credit cards are lower than in the United States, and cash and debit cards are generally used. Credit cards are accepted in some major chain stores and sightseeing spots, but they are rarely used for everyday payments.

Credit card type

Many credit card brands are available in the United States, with Visa, MasterCard, American Express, and Discover. There are many cards that provide various benefits and point programs.
In Japan, international brand credit cards such as VISA and MasterCard are common, but many cards are affiliated with domestic brands (eg JCB, UC cards). Benefits and point programs are limited than American cards.

Credit score and examination

In the United States, credit scores are important to get a credit card. Credit scores are calculated based on personal credit history and affect card screening. If the credit is low, the use of credit cards may be restricted.

In Japan, the credit score system is not as common as the United States. Credit card screening is based on income and employment history, and credit scores are rarely affected.

method of payment

U.S. credit cards generally can choose a minimum payment amount, and some people may select the minimum payment and carry over the remaining amount.
Japanese credit cards usually need to be paid in full at the end of the month. You do not need to pay interest by using a credit card (although some credit cards provide installment payment options).

3 notable credit cards

1. Shopify business card

Business card "SHOPIFY CREDIT"

SHOPIFY EDITION SUMMER 2023 has a business card "SHOPIFY CREDIT" published by SHOPIFY.

It does not affect the credit score at all, can be used anywhere in a place where Visa® is accepted, and can receive cashback. No fees or interest rates. Currently, limited use is possible only in some businesses in the United States.

Up to 3 % cashback

It is an attractive card that can get 3%for the target category and 1%for other categories.

2. Chase Sapphire Preferred

Chase Sapphire Preferred® Credit Card

A credit card issued by CHASE in the United States. There are many people around me, and after all, you can get 60,000 points (equivalent to $ 600).

Sign -up bonus 60,000 points

If you use $ 4,000 within 3 months after joining, you will get 60,000 bonus points.

60,000 points = $ 600 value. It's a big benefit that you can get this point just by joining!

3. Chase Sapphire Preferred

Prime Visa and Amazon Visa

We have told the differences between Japan and the United States credit cards and popular credit card information in the United States, including SHOPIFY business cards.

Since the United States is a card society, there are few opportunities to use cash.

Conversely, there are no various types of app payments like Japan, and credit card payment is the mainstream.

Depending on the card company, you can use it very great!





A designer living in Chicago. Also in charge of coding. In Japan, he works for a web production company and is sensitive to the trend of the web industry.


One -stop offered from EC construction to advertising operation.