Moppy vs Hapitas 2026 — A thorough 8-category comparison of rates, cash-out and referrals
The two giants at a glance
Moppy and Hapitas are the inevitable candidates when choosing your "first site" for point activity. On spec — 1 pt = 1 yen, 300-yen minimum cash-out, free cash exchange — they're level, but their strong categories differ clearly.
| Item | Moppy | Hapitas |
|---|---|---|
| Operator | Ceres (TSE Prime) | OZvision (private) |
| Members | 12M | 5M |
| Rate | 1 pt = 1 yen | 1 pt = 1 yen |
| Min. cash-out | 300 yen | 300 yen |
| Strength | High-value (cards / FX / brokerage) | E-commerce (Rakuten / Apple / overseas hotels) |
| Referral | Up to 30% down-line | Up to 40% down-line |
| Unique | JAL Dream 88% | Pollet instant cash / Hapitas lottery |
Credit-card sign-ups — Moppy ahead
Card sign-ups are point activity's highest-value category (5,000–30,000 yen equivalent per card). Comparing the two, Moppy is higher on most cards.
- Mitsui Sumitomo Card (NL): Moppy 8,000–12,000 / Hapitas 7,000–10,000
- Epos Card: roughly even, flips by month
- Rakuten Card: both 8,000–12,000, varies during campaigns
- JCB Card W: Moppy ahead
- Amex line: Moppy ahead (10,000–25,000)
Conclusion: For card sign-ups, Moppy is the default. But comparing on pointnavi before each application is the rule.
FX & brokerage accounts — Moppy wins outright
FX account openings are ultra-high-value offers at 10,000–30,000 yen equivalent each. Moppy beats rivals on most of them.
- DMM FX: frequently over 20,000 yen on Moppy
- GMO Click Securities: Moppy ahead
- SBI Securities: Moppy ahead, with Hapitas overtaking in some campaign months
- Rakuten Securities: roughly even
Conclusion: For FX / brokerage, the gap is Moppy-or-nothing class. To earn seriously, registering Moppy first is non-negotiable.
Rakuten Ichiba & Yahoo! Shopping — even, Hapitas ahead in campaigns
Base cashback on Rakuten Ichiba / Yahoo! is 1.0% for both — level. But Hapitas boosts to 1.5–2.0% during campaigns, so for the Rakuten Marathon or Hapitas Day, Hapitas has the edge.
Conclusion: For everyday use, either is fine. On a day you buy big as part of a campaign, choose Hapitas.
Travel & hotel booking — Hapitas wins overseas
| Site | Moppy | Hapitas |
|---|---|---|
| Jalan | 1.5–2.0% | 2.0–3.0% |
| Rakuten Travel | 1.0% | 1.0% |
| Booking.com | 1.0% | 3.5–6.0% |
| Expedia | 1.0% | 3.0–5.0% |
| Agoda | 0.5–1.0% | 2.0–4.0% |
Conclusion: Hapitas dominates overseas hotels. It's slightly ahead on domestic stays too.
Free trials & sign-ups — even on offer count
Free trials for video (Hulu / U-NEXT / Disney+, etc.) are roughly the same level on both. The same offer only credits on one site, so just pick the higher payer before applying.
Conclusion: Compare on pointnavi each time before applying.
Referral programs — Hapitas ahead
| Item | Moppy | Hapitas |
|---|---|---|
| Referral bonus | 300 pt | 100 pt |
| Recurring cap | Up to 30% | Up to 40% |
| Rank system | Yes (rises with referral count) | Yes (6-month tally) |
| Referred-user bonus | Up to 2,000 pt | Up to 1,000 pt |
Conclusion: For referral rewards, Hapitas. But "Moppy is easier to gain referral numbers on" (more members, higher awareness), so overall both have value. If you publish point-activity content on a blog, promoting both is the standard.
Cash-out routes — roughly equal, minor differences by use
- Bank transfer: free on both, arrives in 2–3 business days
- PayPay: free on both, same-day on Hapitas, real-time on Moppy
- Amazon Gift: Hapitas gives a +5% perk (490 pt → 500 yen)
- JAL miles: Moppy ahead at 88% during the Dream Campaign
- Pollet: Hapitas only. For instant cash, Hapitas
Conclusion: Heavy Amazon users or those needing instant cash → Hapitas. JAL mile collectors → Moppy.
Conclusion — which to choose
If just one → Moppy. King by member count, total offer volume and high-value-offer strength.
For a second → Hapitas. Fills the gaps with e-commerce / overseas hotels / Amazon.
The ultimate answer → register both. Compare on pointnavi per offer and apply on whichever pays most at the time. There's no better solution.
This article was written from publicly available information on each point site as of May 2026. Cashback rates, campaign terms, and redemption rules can change without notice — always check each site's official page for the latest. This site uses each point site's referral program, but going through a referral link never changes the rate you receive.