万人受けするクレジットカード? 

2018年5月9日

クレジットカードマニアを10数年も続けていると、「どんなカードがお得なの?」と聞かれることもしばしばです。

残念ながら、この質問に唯一の正解となるような回答はありません。

なぜなら、クレジットカードにはそれぞれ、個性と言える特徴がありそれがお得の源泉になっているからです。

例えば、いくらマイルが貯まるといっても飛行機に全く乗らないような、あるいは飛行機自体が嫌いな人にとっては全く価値を見出せないでしょう。

スーパーで特定の日に5%引きになるようなカードもありますが、そもそも生活圏内にそのスーパーがなければ全くもって恩恵を受けることができませんよね。

よって、 1番お得なカードはその人のライフスタイルによって決まるよと言うのが冒頭の質問の回答になります。

それでもなお、比較的万人受けするカードは?と言われると、ありきたりな答えですが

と言う、日本でもメジャーなネット企業のカードになるのではないでしょうか?

どちらも、ポイント還元率は1%程度と平均をやや上回る程度で、最高還元率と言うわけではありません。クレジットカードマニアからすると、還元率1%なんて甘い!と言われることでしょう。

とは言え、常時1%の還元率を維持できて、そのポイントがネットショップや街中の店舗など様々な場所で使えると言うカードもそう多くはないのも実情です。

特に何も考えず、カード決済しておけばそれなりにポイントが貯まると言う観点では、相応に万人受けすると言ってもいいかもしれません。

どちらののカードも年会費は無料ですし、各種の入会キャンペーンもやっているので、とりあえず持っておいても損は無いかも知れませんね。



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