According to recent 2026 discussions on travel subreddits like r/JapanTravelTips, users typically recommend an initial load of ¥5,000 to ¥10,000 ($33–$66 USD) for a one-week trip. If you plan to use the card exclusively for trains and buses, ¥5,000 is a safe starting point. However, many travelers "max out" the card at its ¥20,000 limit because Suica is widely accepted as a "digital wallet" at convenience stores (7-Eleven, Lawson), vending machines, and even many casual restaurants. Frequent travelers suggest keeping a minimum balance of ¥2,000 to avoid the embarrassment of being stuck at a ticket gate. Since topping up is incredibly easy at any station kiosk or via Apple/Google Wallet on your phone, there is no need to over-load if you are worried about losing a physical card. A common Reddit tip for the end of a trip is to spend any remaining balance at the airport convenience stores before flying home.