{"id":55,"date":"2026-07-04T07:50:25","date_gmt":"2026-07-04T07:50:25","guid":{"rendered":"https:\/\/finency.com\/ja\/mercard-review\/"},"modified":"2026-07-04T07:50:25","modified_gmt":"2026-07-04T07:50:25","slug":"mercard-review","status":"publish","type":"post","link":"https:\/\/finency.com\/ja\/mercard-review\/","title":{"rendered":"\u30e1\u30eb\u30ab\u30fc\u30c9\uff1a2026\u5e74\u306e\u8a55\u5224\u3001\u30e1\u30eb\u30ab\u30ea\u30e6\u30fc\u30b6\u30fc\u306b\u6700\u5f37\uff1f"},"content":{"rendered":"<p><strong>\u30e1\u30eb\u30ab\u30fc\u30c9<\/strong>\u306f\u3001\u30d5\u30ea\u30de\u30a2\u30d7\u30ea\u300c\u30e1\u30eb\u30ab\u30ea\u300d\u3092\u904b\u55b6\u3059\u308b\u682a\u5f0f\u4f1a\u793e\u30e1\u30eb\u30da\u30a4\u304c\u767a\u884c\u3059\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u3059\u3002\u5e74\u4f1a\u8cbb\u306f\u6c38\u5e74\u7121\u6599\u3067\u3001\u30e1\u30eb\u30ab\u30ea\u3067\u306e\u5229\u7528\u306f\u6700\u59274%\u9084\u5143\u3001\u8857\u306e\u304a\u5e97\u3084\u30cd\u30c3\u30c8\u30b7\u30e7\u30c3\u30d7\u3067\u3082\u4e00\u5f8b1%\u9084\u5143\u3068\u3044\u3046\u5206\u304b\u308a\u3084\u3059\u3055\u304c\u9b45\u529b\u3067\u3059\u3002\u30e1\u30eb\u30ab\u30ea\u306e\u5229\u7528\u5b9f\u7e3e\u306b\u5fdc\u3058\u3066\u9084\u5143\u7387\u304c\u5909\u308f\u308b\u72ec\u81ea\u306e\u4ed5\u7d44\u307f\u3092\u6301\u3061\u3001\u30e1\u30eb\u30ab\u30ea\u3092\u65e5\u5e38\u7684\u306b\u4f7f\u3046\u4eba\u307b\u3069\u5f97\u3092\u3059\u308b\u8a2d\u8a08\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u30022026\u5e74\u6642\u70b9\u306e\u6700\u65b0\u60c5\u5831\u3092\u3082\u3068\u306b\u3001\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u9084\u5143\u7387\u30fb\u5e74\u4f1a\u8cbb\u30fb\u7279\u5178\u30fb\u5f31\u70b9\u3092\u691c\u8a3c\u3057\u307e\u3059\u3002<\/p>\n<p>\u58f2\u4e0a\u91d1\u3084\u30e1\u30eb\u30ab\u30ea\u30dd\u30a4\u30f3\u30c8\u3092\u305d\u306e\u307e\u307e\u652f\u6255\u3044\u306b\u5145\u5f53\u3067\u304d\u308b\u70b9\u3082\u30e1\u30eb\u30ab\u30ea\u7d4c\u6e08\u570f\u306a\u3089\u3067\u306f\u306e\u5f37\u307f\u3067\u3001\u30a2\u30d7\u30ea\u5b8c\u7d50\u3067\u30ab\u30fc\u30c9\u3092\u767a\u884c\u30fb\u7ba1\u7406\u3067\u304d\u308b\u624b\u8efd\u3055\u3082\u652f\u6301\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<div class=\"fp-rating\"><span class=\"fp-stars\" style=\"--rating: 4.1;\" aria-label=\"4.1\/5\"><\/span><span class=\"fp-rating-value\">4.1 \/ 5<\/span><\/div>\n<table class=\"fp-table\">\n<tbody>\n<tr>\n<th>\u5e74\u4f1a\u8cbb<\/th>\n<td>\u6c38\u5e74\u7121\u6599<\/td>\n<\/tr>\n<tr>\n<th>\u30e1\u30eb\u30ab\u30ea\u5229\u7528<\/th>\n<td>\u6700\u59274%\u9084\u5143\uff08\u5229\u7528\u5b9f\u7e3e\u306b\u5fdc\u3058\u30661\u301c4%\uff09<\/td>\n<\/tr>\n<tr>\n<th>\u305d\u308c\u4ee5\u5916\u306e\u5229\u7528<\/th>\n<td>\u4e00\u5f8b1%\u9084\u5143\uff08\u30e1\u30eb\u30ab\u30ea\u30dd\u30a4\u30f3\u30c8\uff09<\/td>\n<\/tr>\n<tr>\n<th>\u9084\u5143\u4e0a\u9650<\/th>\n<td>\u30e1\u30eb\u30ab\u30ea\u306e\u5b9a\u5e38\u7279\u5178\u306f\u30dd\u30a4\u30f3\u30c8\u4e0a\u9650\u3042\u308a\uff082026\u5e74\u6642\u70b9\uff09\uff0f\u30e1\u30eb\u30ab\u30ea\u4ee5\u5916\u306f\u4e0a\u9650\u306a\u3057<\/td>\n<\/tr>\n<tr>\n<th>\u91d1\u5229\uff08\u5206\u5272\u30fb\u30ea\u30dc\uff09<\/th>\n<td>\u5b9f\u8cea\u5e74\u738715.0%\u524d\u5f8c\uff082026\u5e74\u6642\u70b9\uff09<\/td>\n<\/tr>\n<tr>\n<th>\u304a\u3059\u3059\u3081\u306a\u4eba<\/th>\n<td>\u30e1\u30eb\u30ab\u30ea\u306e\u5229\u7528\u304c\u591a\u304f\u3001\u30a2\u30d7\u30ea\u5b8c\u7d50\u3092\u597d\u3080\u4eba<\/td>\n<\/tr>\n<tr>\n<th>\u56fd\u969b\u30d6\u30e9\u30f3\u30c9<\/th>\n<td>JCB<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u9084\u5143\u7387\u3092\u691c\u8a3c<\/h2>\n<p>\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u57fa\u672c\u9084\u5143\u7387\u306f1%\u3067\u3001\u3053\u308c\u306f\u5e74\u4f1a\u8cbb\u7121\u6599\u30ab\u30fc\u30c9\u3068\u3057\u3066\u6a19\u6e96\u4ee5\u4e0a\u306e\u6c34\u6e96\u3067\u3059\u3002\u3055\u3089\u306b\u30e1\u30eb\u30ab\u30ea\u3067\u306e\u8cb7\u3044\u7269\u306f\u3001\u305d\u306e\u4eba\u306e\u30e1\u30eb\u30ab\u30ea\u5229\u7528\u72b6\u6cc1\u306b\u5fdc\u3058\u30661\u301c4%\u307e\u3067\u9084\u5143\u7387\u304c\u5909\u52d5\u3057\u307e\u3059\u3002\u983b\u7e41\u306b\u30e1\u30eb\u30ab\u30ea\u3067\u8cfc\u5165\u30fb\u51fa\u54c1\u3057\u3066\u3044\u308b\u4eba\u307b\u3069\u9084\u5143\u7387\u304c\u4e0a\u304c\u308a\u3084\u3059\u304f\u3001\u30d8\u30d3\u30fc\u30e6\u30fc\u30b6\u30fc\u3067\u3042\u308c\u3070\u6700\u59274%\u306b\u5c4a\u304d\u307e\u3059\u3002\u7372\u5f97\u3057\u305f\u30dd\u30a4\u30f3\u30c8\u306f\u30e1\u30eb\u30ab\u30ea\u3067\u306e\u8cb7\u3044\u7269\u3084\u3001iD\u3092\u901a\u3058\u305f\u8857\u3067\u306e\u652f\u6255\u3044\u306b\u305d\u306e\u307e\u307e\u4f7f\u3048\u308b\u305f\u3081\u3001\u73fe\u91d1\u540c\u69d8\u306b\u6d88\u8cbb\u3057\u3084\u3059\u3044\u306e\u3082\u5229\u70b9\u3067\u3059\u3002<\/p>\n<h3>\u6bce\u67088\u65e5\u306f\u3055\u3089\u306b\u4e0a\u4e57\u305b<\/h3>\n<p>\u30e1\u30eb\u30ab\u30fc\u30c9\u306b\u306f\u300c\u6bce\u67088\u65e5\u300d\u306b\u9084\u5143\u7387\u304c\u4e0a\u4e57\u305b\u3055\u308c\u308b\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u304c\u7528\u610f\u3055\u308c\u3066\u304a\u308a\u30012026\u5e74\u6642\u70b9\u3067\u306f\u30a8\u30f3\u30c8\u30ea\u30fc\u5236\u3067+8%\uff08\u30dd\u30a4\u30f3\u30c8\u4e0a\u9650\u3042\u308a\uff09\u304c\u52a0\u7b97\u3055\u308c\u307e\u3059\u30028\u65e5\u3092\u72d9\u3063\u3066\u9ad8\u984d\u306a\u8cb7\u3044\u7269\u3092\u96c6\u4e2d\u3055\u305b\u308c\u3070\u3001\u5b9f\u52b9\u9084\u5143\u7387\u3092\u3055\u3089\u306b\u5f15\u304d\u4e0a\u3052\u3089\u308c\u307e\u3059\u3002\u65e5\u4ed8\u3092\u610f\u8b58\u3059\u308b\u3060\u3051\u3067\u5f97\u3092\u3067\u304d\u308b\u70b9\u306f\u3001\u30e1\u30eb\u30ab\u30ea\u3089\u3057\u3044\u30b2\u30fc\u30e0\u611f\u899a\u306e\u8a2d\u8a08\u3067\u3059\u3002<\/p>\n<h3>\u58f2\u4e0a\u91d1\u30fb\u30dd\u30a4\u30f3\u30c8\u3092\u652f\u6255\u3044\u306b\u5145\u5f53\u3067\u304d\u308b<\/h3>\n<p>\u30e1\u30eb\u30ab\u30ea\u3067\u5f97\u305f\u58f2\u4e0a\u91d1\u3084\u30e1\u30eb\u30ab\u30ea\u30dd\u30a4\u30f3\u30c8\u306f\u3001\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u652f\u6255\u3044\u306b\u305d\u306e\u307e\u307e\u5145\u3066\u3089\u308c\u307e\u3059\u3002\u30d5\u30ea\u30de\u3067\u7a3c\u3044\u3060\u304a\u91d1\u3092\u73fe\u91d1\u5316\u305b\u305a\u306b\u6c7a\u6e08\u3078\u56de\u305b\u308b\u305f\u3081\u3001\u30e1\u30eb\u30ab\u30ea\u7d4c\u6e08\u570f\u306e\u4e2d\u3067\u304a\u91d1\u304c\u5faa\u74b0\u3059\u308b\u611f\u899a\u3067\u4f7f\u3048\u307e\u3059\u3002<strong>\u30e1\u30eb\u30ab\u30ea\u5229\u7528<\/strong>\u304c\u751f\u6d3b\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u4eba\u306b\u3068\u3063\u3066\u306f\u3001\u3053\u306e\u4e00\u4f53\u611f\u304c\u6700\u5927\u306e\u4fa1\u5024\u3068\u3044\u3048\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<h2>\u5e74\u4f1a\u8cbb\u3068\u767a\u884c\u306e\u3057\u3084\u3059\u3055<\/h2>\n<p>\u30e1\u30eb\u30ab\u30fc\u30c9\u306f\u5e74\u4f1a\u8cbb\u304c\u6c38\u5e74\u7121\u6599\u3067\u3001\u7dad\u6301\u30b3\u30b9\u30c8\u306f\u4e00\u5207\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u7533\u3057\u8fbc\u307f\u304b\u3089\u5be9\u67fb\u3001\u30ab\u30fc\u30c9\u7ba1\u7406\u307e\u3067\u30e1\u30eb\u30ab\u30ea\u30a2\u30d7\u30ea\u5185\u3067\u5b8c\u7d50\u3057\u3001\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u3068\u3057\u3066\u3059\u3050\u306b\u4f7f\u3044\u59cb\u3081\u3089\u308c\u308b\u30b9\u30d4\u30fc\u30c9\u611f\u3082\u8a55\u4fa1\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u7269\u7406\u30ab\u30fc\u30c9\u306f\u756a\u53f7\u3084\u30d6\u30e9\u30f3\u30c9\u30ed\u30b4\u3092\u5238\u9762\u306b\u5370\u5b57\u3057\u306a\u3044\u300c\u60c5\u5831\u30ec\u30b9\u300d\u30c7\u30b6\u30a4\u30f3\u3092\u63a1\u7528\u3057\u3066\u304a\u308a\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u9762\u3084\u898b\u305f\u76ee\u306e\u30b7\u30f3\u30d7\u30eb\u3055\u3092\u597d\u3080\u4eba\u306b\u3082\u523a\u3055\u308a\u307e\u3059\u3002<\/p>\n<div class=\"fp-callout fp-callout--info\">\n<div>\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u30e1\u30eb\u30ab\u30ea\u5185\u9084\u5143\u7387\u306f\u3001\u904e\u53bb\u306e\u30e1\u30eb\u30ab\u30ea\u5229\u7528\u72b6\u6cc1\u306b\u3088\u3063\u3066\u6bce\u6708\u898b\u76f4\u3055\u308c\u307e\u3059\u3002\u307e\u305a\u306f\u51fa\u54c1\u30fb\u8cfc\u5165\u3067\u30e1\u30eb\u30ab\u30ea\u3092\u4f7f\u3044\u8fbc\u3080\u307b\u3069\u3001\u9084\u5143\u7387\u304c\u4e0a\u304c\u308a\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/div>\n<\/div>\n<h2>\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u5f37\u307f\u3068\u5f31\u307f<\/h2>\n<p>\u30e1\u30eb\u30ab\u30fc\u30c9\u306e\u5f37\u307f\u306f\u3001\u30e1\u30eb\u30ab\u30ea\u5229\u7528\u3067\u6700\u59274%\u3068\u3044\u3046\u9ad8\u9084\u5143\u3068\u3001\u30a2\u30d7\u30ea\u5b8c\u7d50\u306e\u624b\u8efd\u3055\u3001\u305d\u3057\u3066\u58f2\u4e0a\u91d1\u30fb\u30dd\u30a4\u30f3\u30c8\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u4f7f\u3048\u308b\u70b9\u306b\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u30e1\u30eb\u30ab\u30ea\u3092\u4f7f\u308f\u306a\u3044\u4eba\u306b\u3068\u3063\u3066\u306f\u9084\u5143\u73871%\u306e\u6a19\u6e96\u7684\u306a\u30ab\u30fc\u30c9\u306b\u3068\u3069\u307e\u308a\u3001\u30e1\u30eb\u30ab\u30ea\u4ee5\u5916\u3067\u306e\u4e0a\u4e57\u305b\u7279\u5178\u306f\u9650\u5b9a\u7684\u3067\u3059\u3002\u307e\u305f\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u304cJCB\u306e\u307f\u306e\u305f\u3081\u3001\u6d77\u5916\u3067\u306e\u5229\u7528\u30b7\u30fc\u30f3\u3067\u306f\u3084\u3084\u5f31\u304f\u3001\u65c5\u884c\u4fdd\u967a\u306a\u3069\u306e\u4ed8\u5e2f\u7279\u5178\u3082\u63a7\u3048\u3081\u3067\u3059\u3002<\/p>\n<div class=\"fp-procons\">\n<div class=\"fp-pros\">\n<div class=\"fp-pros-title\">\u30e1\u30ea\u30c3\u30c8<\/div>\n<ul>\n<li>\u5e74\u4f1a\u8cbb\u6c38\u5e74\u7121\u6599<\/li>\n<li>\u30e1\u30eb\u30ab\u30ea\u5229\u7528\u3067\u6700\u59274%\u9084\u5143<\/li>\n<li>\u30e1\u30eb\u30ab\u30ea\u4ee5\u5916\u3067\u3082\u4e00\u5f8b1%\u3068\u9ad8\u6c34\u6e96<\/li>\n<li>\u30a2\u30d7\u30ea\u5b8c\u7d50\u3067\u30b9\u30d4\u30fc\u30c9\u767a\u884c<\/li>\n<li>\u58f2\u4e0a\u91d1\u30fb\u30dd\u30a4\u30f3\u30c8\u3092\u652f\u6255\u3044\u306b\u5145\u5f53\u3067\u304d\u308b<\/li>\n<\/ul>\n<\/div>\n<div class=\"fp-cons\">\n<div class=\"fp-cons-title\">\u30c7\u30e1\u30ea\u30c3\u30c8<\/div>\n<ul>\n<li>\u30e1\u30eb\u30ab\u30ea\u3092\u4f7f\u308f\u306a\u3044\u3068\u9b45\u529b\u304c\u534a\u6e1b<\/li>\n<li>\u30e1\u30eb\u30ab\u30ea\u5185\u9084\u5143\u306b\u306f\u30dd\u30a4\u30f3\u30c8\u4e0a\u9650\u304c\u3042\u308b<\/li>\n<li>\u56fd\u969b\u30d6\u30e9\u30f3\u30c9\u306fJCB\u306e\u307f<\/li>\n<li>\u65c5\u884c\u4fdd\u967a\u306a\u3069\u4ed8\u5e2f\u7279\u5178\u306f\u6700\u5c0f\u9650<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>\u3069\u3093\u306a\u4eba\u306b\u304a\u3059\u3059\u3081\u304b<\/h2>\n<p>\u30e1\u30eb\u30ab\u30fc\u30c9\u306f\u3001\u30e1\u30eb\u30ab\u30ea\u3067\u65e5\u5e38\u7684\u306b\u58f2\u8cb7\u3059\u308b\u4eba\u3001\u30b9\u30de\u30db\u3072\u3068\u3064\u3067\u5b8c\u7d50\u3059\u308b\u7ba1\u7406\u3092\u597d\u3080\u4eba\u3001\u305d\u3057\u3066\u5e74\u4f1a\u8cbb\u3092\u304b\u3051\u305a\u306b1%\u4ee5\u4e0a\u306e\u9084\u5143\u3092\u5f97\u305f\u3044\u4eba\u306b\u6700\u9069\u3067\u3059\u3002\u9006\u306b\u3001\u30e1\u30eb\u30ab\u30ea\u3092\u307b\u3068\u3093\u3069\u4f7f\u308f\u306a\u3044\u4eba\u3084\u3001\u6d77\u5916\u5229\u7528\u30fb\u624b\u539a\u3044\u4ed8\u5e2f\u4fdd\u967a\u3092\u91cd\u8996\u3059\u308b\u4eba\u306b\u306f\u7269\u8db3\u308a\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u3088\u308a\u4e0a\u4f4d\u3092\u72d9\u3046\u306a\u3089\u5e74\u4f1a\u8cbb\u6761\u4ef6\u4ed8\u304d\u7121\u6599\u306e\u300c\u30e1\u30eb\u30ab\u30fc\u30c9\u30b4\u30fc\u30eb\u30c9\u300d\u3082\u9078\u629e\u80a2\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u307e\u305a\u306f\u7121\u6599\u306e\u30e1\u30eb\u30ab\u30fc\u30c9\u3067\u30e1\u30eb\u30ab\u30ea\u7d4c\u6e08\u570f\u3068\u306e\u76f8\u6027\u3092\u8a66\u3059\u306e\u304c\u8ce2\u3044\u5165\u308a\u65b9\u3067\u3059\u3002<\/p>\n<div 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