You could easily get a Famima T-card at Family Mart, a convenience store. No annual fees are needed for this credit card.
Gusto only accepts cash, but with showing the Famima T-card, they put T-points on it. T-points can also be obtained at TSUTAYA, a rental CD/DVD shop. At some gas stations, T-points are given, too, even you pay with cash. Or, you can use a credit card for the payment to get points or miles on the card, and T-points as well by showing your Famima T-card. T-points can be converted to ANA miles, and this is why I am collecting T-points.
The largest advantage of this card might be that when you pay for public-supplied water and some taxes (automobile tax, for example), you can use this Famima T-card and get T-points. With other credit cards, I believe it is impossible to get points or miles by paying taxes.
Thank you for reading this article and sorry if you wasted your time.