Updated March 2026
Credit Card Interest Rate (APR) in Japan (2026)
14.5%
Ranked #42 of 168 • Global avg 24.0%
The typical credit card APR in Japan sits at 14.5%, below the global average of 24.0%.
Among the 30 economies tracked by NoodlePants, Japan ranks #42 for credit card apr — near the bottom of the global ranking.
Carrying a $1,000 balance at 14.5% APR costs roughly $145 per year if only the minimum is paid.
All financial metrics for Japan
Where Japan ranks globally
#1Afghanistan
0.0%
#2Cuba
0.0%
#3Iran
0.0%
#4North Korea
0.0%
#5South Sudan
0.0%
#6Syria
0.0%
#7Yemen
0.0%
#8Algeria
8.0%
#9Bosnia and Herzegovina
8.5%
#10Slovenia
8.5%
#11Croatia
9.0%
#12North Macedonia
9.0%
Compare Japan's credit card apr
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