JCB Co., Ltd.

JCB Co., Ltd. (株式会社ジェーシービー, Kabushiki gaisha jē shī bī), formerly Japan Credit Bureau, is a credit card company based in Tokyo, Japan. It is accepted at JCB merchants, and has strategic alliances with Discover Network merchants in the United States, UnionPay merchants in China, American Express merchants in Canada, and RuPay merchants in India.[citation needed]

JCB Co., Ltd.
Native name
IndustryFinancial services
Founded1961; 62 years ago (1961)
DefunctApril 30, 2018 (U.S. only)
HeadquartersMinato, Tokyo, Japan
Area served
Worldwide (select regions)
Key people
Ichiro Hamakawa (浜川 一郎)
(Executive director)
ProductsPayment systems
Credit cards
Number of employees
4,389 (2022)[1]


Founded in 1961 as Japan Credit Bureau, JCB established itself in the Japanese credit card market when it purchased Osaka Credit Bureau in 1968. As of 2020 its cards are issued to 130 million customers in 23 countries.[2] JCB also operates a network of membership airport lounges for holders of their Platinum Cards issued outside Japan.[3]

Since 1981, JCB has been expanding its business overseas. JCB cards are issued in 24 countries, in most countries JCB is affiliated with financial institutions to license them to issue JCB-branded cards. All international operations are conducted through its 100%-owned subsidiary, JCB International Credit Card Co., Ltd.

In the United States, JCB is not a primary credit card network such as Visa, MasterCard, Discover, or American Express. While the brand was primarily accepted by tourism-related businesses such as airlines, car rental companies, hotels, Japanese speciality retailers and some department stores, it gained wider acceptance when on August 23, 2006 JCB announced an alliance with the Discover Network. The two companies signed a long-term agreement that led to the acceptance of Discover Network brand cards at JCB point-of-sale terminals in Japan and of JCB cards on the Discover network in the U.S. This partnership became operational in 2011.[4]

Local JCB accounts in the United States were issued by JCB USA, and offered to residents of California, Connecticut, Illinois, New York, New Jersey, Oregon, Washington and Hawaii.[5] JCB USA stopped issuing JCB cards in the American market on January 8, 2018, and closed all current consumer credit card accounts on April 30, 2018.[6][citation needed] Foreign JCB cards continue to work through the Discover network partnership.[citation needed]


  1. ^ "Corporate overview". JCB. Retrieved 5 June 2020.
  2. ^ "Why JCB?". JCB. Retrieved 5 June 2020.
  3. ^ "JCB Platinum Airport Lounge Service". JCB. Retrieved 5 June 2020.
  4. ^ "Using Your Discover card in Asia". Discover. Archived from the original on April 4, 2015.
  5. ^ "Apply for a JCB card". JCB USA. Archived from the original on January 17, 2013.
  6. ^ "FAQs for Service Discontinuation of JCB Card" (PDF). JCB USA. Archived from the original (PDF) on September 6, 2018.

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