Yes credit cards are more prevalent in the US, but they have a 3% overhead, retailers eat the cost. With value points and clubs you can recover 1-2% of those f

Yes credit cards are more prevalent in the US, but they have a 3% overhead, retailers eat the cost. With value points and clubs you can recover 1-2% of those fees. I think a fee-free anonymous electronic cash system like Suica would be a great alternative.