How Much Do You Earn Per Year with Point Activity? 2026 — Simulation by Level
How much do you earn per year with point activity — a realistic estimate
"So how much does point activity actually earn?" — that's what everyone wants to know. The answer depends on how you approach it (your level). Someone who only routes daily shopping and someone who tackles high-value offers differ by an order of magnitude. This article simulates annual earnings by level and shows each breakdown. Use it as a benchmark for what to aim for. Pair it with the complete point-activity guide.
Annual earnings by level
| Level | Annual estimate | Main breakdown |
|---|---|---|
| Beginner (routing only) | 10,000–60,000 yen | Shopping routing + payment cashback |
| Intermediate (with offers) | 100,000–360,000 yen | + card issuance, account openings, fixed-cost review |
| Advanced (full use) | 500,000–1,200,000 yen+ | + volume high-value cards, referrals, family teamwork |
Note: these are estimates. They vary greatly by spending, offer availability, and period. High-value offers are premised on legitimate "applications with intent to use" (NG actions chapter).
Breakdown image by level
- Beginner: 1,000–5,000 yen/monthJust route everyday shopping + use an economy card. Zero effort, 10,000–60,000 yen a year.
- Intermediate: 10,000–30,000 yen/monthBeginner + card issuance (a few a year), account openings, fiber/cheap SIM, and other high-value offers. 30k/month chapter.
- Advanced: 50,000–100,000 yen+/monthIntermediate + planned high-value card issuance, FX, referrals, family teamwork. 100k/month chapter.
- +50 % more with exit optimizationSpend accumulated points at 1.5x via Welcia-katsu to raise the effective amount.
A realistic goal for most people is intermediate (100,000–360,000 yen/year). On top of everyday routing, just clearing a few high-value offers a year — card issuance, fixed-cost review — gets you there. First raise your level with the complete guide's roadmap.
Cautions
- These are estimates: actual amounts vary with spending, offer availability, and screening results.
- Do high-value offers legitimately: apply with intent to use. Fraud like multiple accounts is strictly prohibited. NG actions chapter.
- Investing/FX carry risk: part of advanced is premised on risk management. Use spare funds.
- Mind tax: as income-type earnings grow, confirm filing need. tax chapter.
FAQ
How much does an ordinary person earn?
Is 100,000 yen/month really possible?
What should I aim for first?
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.