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JCB Marukai Premium Card - All USA accounts to close April 2018.

Old Feb 7, 2017, 7:28 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: muji
The JCB Marukai card earns up to 3% cash back on all purchases.

As of January 3, 2018, JCBUSA is no longer accepting new applications.

It had been available only to people in the following states:
California, Nevada, Oregon, Hawaii, Washington, Connecticut, Illinois, New Jersey, New York.


No annual fee for the first year.
$15.00 annual fee beginning the second year.

application: https://www.jcbusa.com/for_consumers...mium-jcb-card/
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JCB Marukai Premium Card - All USA accounts to close April 2018.

Old May 6, 2014, 10:55 am
  #136  
 
Join Date: Jan 2014
Location: LAX/BUR
Posts: 525
My question would be will I have to prove my address? I moved to California about 2 months ago and would love to apply for this card, but I haven't changed my license over as I am temporarily staying with friends until I find a place of my own. No point to change my license twice.
maddie5218 is offline  
Old May 7, 2014, 10:36 pm
  #137  
 
Join Date: Nov 2009
Location: LAS/GRU/DUB
Programs: Amex, JPMR, Nexus
Posts: 365
When I originally applied, I had to send them a copy of my DL and proof of income but I believe they might want to match the address on the application and your credit report, so address on DL will not matter. JCB reminds me of a conservative bank outside the U.S. that verifies everything before they issue any credit and once approved, your CL is so ridiculously low that you can only use it for daily purchases, none of major or business purchases.
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Old Jun 17, 2014, 1:12 am
  #138  
 
Join Date: Mar 2013
Posts: 68
Anyone know a way to get this to process as Discover for Amex GC purchases? I haven't been able to crack the nut yet.
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Old Jun 17, 2014, 1:29 am
  #139  
 
Join Date: Nov 2009
Location: BOS
Posts: 314
Originally Posted by makinbutter
Anyone know a way to get this to process as Discover for Amex GC purchases? I haven't been able to crack the nut yet.
JCB only works as a Discover for in-person transactions only. If you manage to get it to work online, it's generally an accident.
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Old Jun 17, 2014, 11:36 am
  #140  
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Originally Posted by billatq
JCB only works as a Discover for in-person transactions only. If you manage to get it to work online, it's generally an accident.
As someone who has an online side business, I didn't realize this until now. I had actually turned on JCB over at authorize.net since I take Discover, but have never been able to test. I wonder how difficult (and how expensive per transaction) it would be to legitimately accept JCB.
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Old Jun 19, 2014, 12:09 am
  #141  
 
Join Date: Nov 2009
Location: BOS
Posts: 314
Originally Posted by tmiw
As someone who has an online side business, I didn't realize this until now. I had actually turned on JCB over at authorize.net since I take Discover, but have never been able to test. I wonder how difficult (and how expensive per transaction) it would be to legitimately accept JCB.
Technically what I said is slightly inaccurate, since my reply was geared towards people trying to use it on websites for manufactured spend. JCB in the US is processed on the back-end using Discover, but it's not generally on, and it almost never works for websites as Discover because the bin numbers are filtered.

You can test JCB on authorize.net using the number here: http://developer.authorize.net/testingfaqs/
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Old Jun 19, 2014, 12:19 am
  #142  
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Originally Posted by billatq
Technically what I said is slightly inaccurate, since my reply was geared towards people trying to use it on websites for manufactured spend. JCB in the US is processed on the back-end using Discover, but it's not generally on, and it almost never works for websites as Discover because the bin numbers are filtered.

You can test JCB on authorize.net using the number here: http://developer.authorize.net/testingfaqs/
I got "an error occurred during processing" when trying the JCB test number on authorize.net and a decline when trying the Visa one. However, I got a decline when trying JCB's instructions, which makes me think that JCB works okay.
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Old Jun 19, 2014, 9:16 am
  #143  
 
Join Date: Jul 2006
Location: LAX
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Originally Posted by tmiw
As someone who has an online side business, I didn't realize this until now. I had actually turned on JCB over at authorize.net since I take Discover, but have never been able to test. I wonder how difficult (and how expensive per transaction) it would be to legitimately accept JCB.
Luckily, you live in CA so you could apply for a JCB card if you wanted to and test it out yourself. And there is a Marukai in San Diego (Kearny Mesa) so there is some use for it if you want to do some shopping at a Japanese grocery store.
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Old Jun 19, 2014, 9:27 am
  #144  
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Originally Posted by kebosabi
Luckily, you live in CA so you could apply for a JCB card if you wanted to and test it out yourself. And there is a Marukai in San Diego (Kearny Mesa) so there is some use for it if you want to do some shopping at a Japanese grocery store.
True. I'd consider it if I were still in the CB game since it's 3% instead of the normal 1-2%.
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Old Jun 24, 2014, 8:06 pm
  #145  
 
Join Date: Oct 2013
Location: HI
Programs: Chase UR/Amex SPG/UA
Posts: 10
I'd like to know the maximum CL. of this card.
I've got the card with CL $2500 on Mar., increased to $4,000 on Dec. (I requested $10,000)
Did anyone go even higher?
malice is offline  
Old Jun 24, 2014, 8:17 pm
  #146  
 
Join Date: Nov 2009
Location: BOS
Posts: 314
Originally Posted by malice
I'd like to know the maximum CL. of this card.
I've got the card with CL $2500 on Mar., increased to $4,000 on Dec. (I requested $10,000)
Did anyone go even higher?
Their FAQ says that the maximum line they give anyone is 12k: https://www.jcbusa.com/customer-service/faq/
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Old Jun 27, 2014, 4:45 pm
  #147  
 
Join Date: Mar 2010
Location: Southern California (IE/SD area), CA
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Originally Posted by billatq
Their FAQ says that the maximum line they give anyone is 12k: https://www.jcbusa.com/customer-service/faq/
was told to call back again at 800 366 4522 M-F from 9am for CC limit increase. maybe they have a separate center to handle it.
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Old Jun 27, 2014, 4:58 pm
  #148  
 
Join Date: Nov 2009
Location: BOS
Posts: 314
Originally Posted by babykoala
was told to call back again at 800 366 4522 M-F from 9am for CC limit increase. maybe they have a separate center to handle it.
I called the regular customer service number for that. They do a hard pull and validate employment with a paystub if they can't get it from the credit report.
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Old Jul 8, 2014, 9:06 pm
  #149  
 
Join Date: Jul 2014
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Hawaii Marukai JCB holder here. The card's fun and unique (at least in North America), but the one thing that gets me is JCB cashback points are awarded on spending at "lumpy" $100 intervals, so you're always taking some sort of small loss vis-a-vis most other reward cards.

That said, this card is wonderfully fun when you're at a place Japanese tourists frequent. You have access to the JCB Plazas with have free Wi-Fi, drinks, and coupons inside them.
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Old Jul 9, 2014, 11:54 am
  #150  
 
Join Date: Jul 2014
Posts: 17
Originally Posted by msp3
Hawaii Marukai JCB holder here. The card's fun and unique (at least in North America), but the one thing that gets me is JCB cashback points are awarded on spending at "lumpy" $100 intervals, so you're always taking some sort of small loss vis-a-vis most other reward cards.

That said, this card is wonderfully fun when you're at a place Japanese tourists frequent. You have access to the JCB Plazas with have free Wi-Fi, drinks, and coupons inside them.
I PM'd you msp3 but I just wanted the opinions of those who have this card as well. What was your credit scores and did you have any recent inquiries at the time of applying?
hiro905 is offline  

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