The Marukai Premium JCB Card offers up to 3% cash back on all of your purchases, plus up to $50 in cash bonuses each year, available for residents of California, Nevada, Oregon, Washington, and Hawaii.
These JCB cards are designed for members of Marukai Wholesale Marts in California and Hawaii, but this card could still be beneficial for other qualifying residents, even if you don’t shop at Marukai stores on a regular basis.
Review these Marukai credit card offers if you are interested in a Marukai membership, or if you just want to maximize your cash back earnings on your credit card spending.
Check out this California Marukai Premium JCB Card if you live in California, Nevada, Oregon, or Washington.
Check out this Hawaii Marukai Premium JCB Card if you live in Hawaii.
Earn up to 3% Cash Back on All Purchases
You can earn up to 3% in cash rebates on all of your purchases everywhere including Marukai.
You will earn up to 1% cash back points on your first $1,000 in annual spending.
You will earn up to 2% cash back points on your annual spending from $1,000 to $3,000.
You will earn up to 3% cash back points on your annual spending over $3,000.
There is no limit on the amount of cash back rewards that you can earn.
Up to $50 Annual Bonus
You can earn an additional $15 bonus when you spend $1,000 or more on an annual basis.
You can earn an additional $50 bonus when you spend $5,000 or more on an annual basis.
You will receive 15 or 50 cash back points with this bonus offer, which can be redeemed for $15 or $50 cash back.
Redeeming Points for Cash Back Rewards
Every 100 cash back points that you earn can be redeemed for a $100 statement credit.
Your cash back points will be calculated by every $100 in purchases, so you have to reach the full $100 increment of spending in order to earn the full 100 cash back points.
JCB cash back points in 1 calendar year will expire at the end of the following calendar year.
A minimum of 10 JCB cash back points must be earned for redemption.
To redeem your cash back points, you must call JCB card member services, and a credit for the redeemed point value will be posted on your account.
Your Marukai Premium JCB Card has your Marukai membership built in, so it’s 2 cards in 1.
You won’t be charged for your Marukai membership for a full year after opening your Marukai Premium JCB Card account.
Your renewal Marukai membership charge will be automatically charged to your Marukai Premium JCB Card account at the anniversary date of your Marukai Premium JCB Card.
Credit Card Annual Fee
There is no annual fee for this JCP card for the first year, and there is a fee of $15 annually from the second year.
Marukai Membership Fee
There is no membership fee for Marukai Wholesale Clubs for the first year, and the fee is $10 annually from the second year.
If you are already a Marukai member, then it makes sense to get this credit card, as you can avoid the membership fee for a year, and you can probably earn enough cash back rewards to cover the annual fees thereafter.
If you are not a Marukai member, you will be automatically enrolled in the Marukai membership program upon approval of your credit application.
JCB Credit Card Acceptance
In the U.S., the Marukai Premium JCB Card is accepted at over 5.5 million locations that accept the Discover Card, including many airlines, car rental companies, hotels, merchants, restaurants, and Internet retailers, such as Amazon.com.
The Marukai Premium JCB Card is also accepted at over 17 million locations in 190 countries and territories.
Bonus Spending Example
Even if you don’t shop at Marukai on a regular basis (or at all), it’s still conceivable that you could more than make up for the annual fees after the first fee-free year, especially considering that you can earn 3% cash back on all of your purchases after you reach $3,000 in spending each year with no limit to your cash back earnings.
For example, if you spend $5,000 yearly on an average basis, you would earn a total of $160 cash back each year.
You would earn 1% cash back on the first $1,000 in spending (or 10 points), 2% cash back on the next $2,000 in spending (or 40 points), and 3% cash back on the next $2,000 in spending (or 60 points), plus the $50 bonus (or 50 points) that you earn for spending $5,000 or more annually.
That’s a total of 160 points that are redeemable for $160 cash back to your account, and you could continue to earn at the 3% rate if you spent more than $5,000 a year.
Considering there are only $25 in total card and membership fees each year (after the first fee-free year), then this could be well worth while if you are otherwise only earning a 1% cash back rate on your other Cash Rebate Credit Card with limits on higher rebate earnings.
Alternative Marukai Card Offers
If you don’t want to pay the annual fee for the Marukai Premium JCB Card, then there is also a no annual fee version of this card, but it only offers up to 3% cash back on your purchases at Marukai stores, and just up to 1% everywhere else, plus you don’t get the yearly bonuses.
Get the Marukai Premium JCB Card to earn up to 3% cash back on all of your purchases, especially if you are a fan of Marukai Japanese markets.