Interested in maximizing cashback rewards on online purchases? Rakuten Card, a globally recognized credit card, offers an extensive cashback program through Rakuten’s shopping platform.
This credit card enables users in Japan to earn significant rewards from a diverse range of retailers, appealing to savvy shoppers who aim to enhance the value of their online shopping experiences.
This guide details the features and benefits of the Rakuten Card and explains how to maximize its cashback offerings.
Rakuten Card Cashback Program: Key Details and How to Benefit
The Rakuten Card is distinguished by its comprehensive cashback system. Here’s how it functions:
- Earning Rakuten Points: Every purchase with your Rakuten Card earns you Rakuten Points. The rate you accumulate these points varies, depending on the merchant and ongoing promotional campaigns, enhancing your potential rewards.
- Shopping at Rakuten Market: The brand’s online store, Rakuten Market, generally offers the highest cashback rates. This marketplace offers a wide selection of items, from electronics to travel essentials, addressing all your shopping needs.
- Partner Network Benefits: Through its partner network, Rakuten Card is linked with a wide array of online and offline retailers. Cashback rates at these partners can vary, so it’s advisable to regularly check the Rakuten website or app for the most current offers.
Points accrued can be used for cash back, gift cards, or discounts on future Rakuten services. You can manage your points and review redemption options easily on the Rakuten website or through its mobile app.
Rakuten Credit Card Overview and Application Tips
The Rakuten Credit Card is more than just a payment method—it’s a financial tool designed with convenience and rewards in mind. Backed by Rakuten Group, Inc., a global leader in e-commerce, fintech, digital content, and mobile communications, the card integrates seamlessly into the Rakuten ecosystem.
It’s a popular option among foreign residents in Japan, thanks to its relatively easy application process and inclusive policies.
Key Features That Make It Worth Considering:
- No Annual Fees (on Select Cards): One of the most attractive aspects of the Rakuten Credit Card is the ability to choose a plan with no annual fee, reducing your long-term financial commitment. This makes it ideal for students, freelancers, and anyone looking to build or maintain good credit without unnecessary fees.
- Straightforward and Fast Application Process: Unlike some Japanese credit cards that require extensive paperwork and fluent Japanese, Rakuten simplifies the process. You can apply online in as little as 5–10 minutes. You’ll need your My Number and residence card (Zairyu card), but you won’t be required to submit many extra documents if your application is straightforward. The interface is user-friendly, and approval can come as quickly as the same day or within a few days.
- Generous Rakuten Points Program: With every eligible purchase, you’ll earn Rakuten Points—a loyalty system that translates directly into savings. Points can be used to shop on Rakuten Ichiba, pay bills, or even book trips. Special promotions often offer double or triple points when shopping with partner stores or during seasonal campaigns.
Practical Tips Before You Apply:
- Ensure You Have Sufficient Bank Balance: Monthly payments are automatically deducted from your linked Japanese bank account, typically on the 27th of each month. To avoid interest fees and penalties, ensure your account has enough funds in advance.
- Choose an Installment Plan That Matches Your Lifestyle: Rakuten allows you to pay in whole or in installments (分割払い). While paying fully avoids interest, installment plans can make larger purchases more manageable. Just be cautious of the interest rates, especially on longer-term plans.
- Understand the Payment Cycle and Interest Rules: Interest charges will apply immediately if a payment is missed or late. These can accumulate quickly, so you must mark your calendar and enable payment notifications through the Rakuten app or your bank.
How to Apply for a Rakuten Credit Card (Step-by-Step)
- Visit the Rakuten Credit Card website (preferably in Japanese, though browser translation can help).
- You can select your card type (Standard, Gold, or Premium) based on your desired features and annual fee preferences.
- Click on “お申し込みはこちら” (Apply Here) to start the application.
- Input your personal information, including name, address, phone number, employer (if applicable), and income.
- For automatic deductions, provide your My Number, residence card details, and bank account information.
- Confirm your details and apply.
After submission:
- You’ll receive an email confirmation.
- If approved, your card will arrive by mail within 1–2 weeks.
- Once received, activate your card online or through the Rakuten Card app.
Using Rakuten Credit Card – Key Benefits and Features
Rakuten Credit Card charges no annual fee on select options. The application is straightforward and open to a global audience.
Every purchase earns points that can be used for discounts or other rewards. Acceptance is wide, making it ideal for cashless payments.
Exclusive Offers and Perks
Cardholders get access to special promotions and limited-time deals, increasing the card’s value for regular use.
1. Point Accumulation Made Simple
Earn 1 point for every 100 units spent. Select merchants on Rakuten Marketplace offer even higher point returns.
Use points on Rakuten Marketplace, Rakuten Books, affiliated stores, or through Rakuten Pay. Each point equals one currency unit. Usage volume determines rank—higher ranks unlock better benefits and bonus rates.
2. Earn Points on Utility Payments
You can use the card to pay for electricity, water, gas, and other utilities. This automates your payments and earns points on every transaction, turning routine bills into reward opportunities.
3. Useful Abroad
Withdraw local currency from ATMs while traveling. The card supports global use, offering convenience for international shopping and travel needs.
Rakuten Credit Card Variants and What Each Offers
Rakuten Card (Basic):
- No annual fee
- Available as MasterCard, JCB, or Visa
- Earns 1 point per 100 units spent
- Visa version does not include design variations
Rakuten Pink Card:
- Same features as the Basic card
- Comes in a pink design
- Includes access to exclusive discounts on select services
Rakuten Gold and Premium Cards:
- Gold Card: Annual fee of 2,160 units
- Premium Card: Annual fee of 10,800 units
- Perks include free access to airport lounges and higher spending limits
Each card type is designed to match specific user needs—from everyday spending to premium benefits for frequent travelers.
Interest Rates and Fee Information
Rakuten Credit Card has an 18% annual percentage rate (APR). This applies when a balance is carried over to the next month.
Paying the full balance by the due date completely avoids interest charges. Staying current with payments helps you maximize rewards without added costs.
Contact Support for Rakuten Credit Card
For help or questions about your Rakuten Credit Card, use the following support channels:
- Customer Service Hotline: 1-800-123-4567
- Email: [email protected]
- Mailing Address: Rakuten Crimson House, 1-14-1 Tamagawa, Setagaya-ku
Support is available for users in Japan. Reach out for assistance with card features, transactions, or account issues.
Conclusion
Rakuten Credit Card offers global users rewards, easy payments, and practical features.
Before applying, understand the interest rate, fee structure, and usage terms. Used responsibly, this card adds value to daily spending and boosts cashback potential.