The Complete Point-Activity Guide 2026 — A Full Roadmap from Beginner to Advanced
How to use this guide
Point activity ("poikatsu") works like this: simply route your online shopping, service sign-ups, and card applications "through a point site," and you earn points that convert to cash or miles. This guide gathers the full roadmap from beginner to advanced, plus a purpose-based article map, into one master page. Start with the 3 steps below.
3 steps to start point activity
- Register with a major point siteStart with the safe majors (Moppy, Hapitas). See the safety chapter for how to spot trustworthy ones.
- Make routing your purchases a habitJust go through the site for Amazon, Rakuten, Yahoo!. On iOS use the app (cookie chapter).
- Take on high-value offersCards, FX, and brokerage accounts pay 10,000–30,000 yen each. Card-issuance chapter.
Roadmap by level
| Level | Monthly target | What to do |
|---|---|---|
| Beginner | 5,000 yen/mo | Register majors + route purchases + video trials |
| Intermediate | 30,000 yen/mo | Card issuance + FX + an economy (30k/month chapter) |
| Advanced | 100,000 yen/mo | High-value cards in volume + referrals + family teamwork (100k/month chapter) |
Article map by purpose
- Choose by economy: Economy comparison (Rakuten, PayPay, d, au/Ponta)
- Choose by card: Rakuten Card, Mitsui Sumitomo NL, Gold cards
- Earn miles: Land-miler full roadmap
- Tax saving & investing: New NISA, iDeCo, point investing
- Combine with saving: fixed-cost cuts, furusato tax
- Tailored to you: students, homemakers, office workers, seniors, foreign residents
Essential cautions
- Protect cookie tracking: app on iOS, a dedicated browser on PC (cookie chapter)
- Aim for double/triple dipping: routing + payment + economy (double-dipping chapter)
- Understand the tax: over 200,000 yen/year requires a tax return (tax chapter)
- Avoid mistakes: 7 common failures, systematizing
FAQ
Can you really earn from point activity?
Yes. With habits plus high-value offers, 30,000 yen/month is realistic within half a year. Advanced users clear 100,000 yen/month. But it's steady accumulation, not "easy big money."
What should I start with?
Register with two majors (Moppy, Hapitas) and make routing your purchases a habit. Once comfortable, move to high-value offers like card issuance.
How do I use this site (Pointnavi)?
It lets you compare each point site's cashback rate per offer. The golden rule: always compare before applying and go through the highest site. Multilingual (JA/ZH/EN/VI/KO).
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.