The Rakuten Credit Card is one of the most popular options in Japan. It is known for its generous point rewards and no annual fee.
It’s a smart choice if you regularly shop on Rakuten or use their services.
In this guide, you’ll learn how to apply online and what features and benefits make this card stand out.
Why Choose the Rakuten Credit Card
If you’re looking for a simple, reliable credit card with strong rewards, the Rakuten Credit Card is worth considering.
It’s especially useful for frequent online shoppers and those who want to make the most of Rakuten’s ecosystem. Here are the main reasons to choose it:
- No annual fee for the standard card, making it cost-effective.
- High point rewards, especially when shopping on Rakuten Ichiba.
- Easy point redemption through Rakuten services and partner merchants.
- Widely accepted in Japan and internationally (Visa, MasterCard, or JCB).
- Seamless integration with Rakuten Pay, Rakuten Mobile, and Rakuten Travel.
- Fast online application process, with quick approval.
- Optional upgrades to Gold or Premium for added travel and shopping perks.
Key Features and Benefits
The Rakuten Credit Card stands out for its user-friendly perks and strong rewards program.
It’s built to give you more value with every transaction, especially if you shop within the Rakuten network. Below are the main features and benefits you can expect:
- Rakuten Super Points Program: Earn 1% back on all purchases, with up to 3x points on Rakuten Ichiba.
- No Annual Fee: The standard card has zero annual fees, making it cost-effective.
- Wide Global Acceptance: Issued under Visa, MasterCard, or JCB—accepted in Japan and abroad.
- Mobile Payment Compatibility: Works seamlessly with Rakuten Pay and Rakuten Mobile for fast, secure payments.
- Optional Upgrades: Gold and Premium versions offer airport lounge access, higher point multipliers, and travel insurance.
- Purchase Protection: Eligible items are covered for damage or theft within a set period.
- Travel Insurance (Gold & Premium): Includes overseas travel accident insurance and cardholder benefits during trips.
- Easy Point Redemption: Use points on Rakuten Ichiba, Rakuten Travel, or even to pay credit card bills.
Interest Rates and Fees
Understanding the costs associated with the card is essential for effective financial management. Here’s a breakdown of the key interest rates and fees:
Annual Fees:
- Standard Rakuten Card: No annual fee
- Rakuten Gold Card: ¥2,200 per year
- Rakuten Premium Card: ¥11,000 per year
Installment Payment Interest Rates:
- 2 Installments: No interest charged
- 3 or More Installments: Interest rates apply, increasing with the number of installments
Cash Advance:
- Annual Interest Rate: 18%.
- ATM Fees: ¥110 for amounts under ¥10,000; ¥220 for amounts ¥10,000 or more.
Overseas Transaction Fee:
- A flat fee of 2.20% applies to all brands (Visa, MasterCard, JCB, Amex) for transactions made abroad.
Types of Rakuten Credit Cards
Rakuten offers several versions of its credit card to match different spending habits and lifestyle needs.
Whether you’re a casual shopper or a frequent traveler, there’s a card that fits. Here are the main types of Rakuten Credit Cards:
- Rakuten Card (Standard): No annual fee. Earn 1% on all purchases and bonus points on Rakuten Ichiba.
- Rakuten Gold Card: ¥2,200 annual fee. Includes airport lounge access and higher point rewards during Rakuten promotions.
- Rakuten Premium Card: ¥11,000 annual fee. This option is best for frequent travelers. It includes overseas travel insurance, unlimited lounge access, and premium customer service.
- Rakuten PINK Card: This card offers the same benefits as the standard card, but it offers optional services for women, such as lifestyle support and insurance (fees may apply).
- Rakuten ANA Mileage Club Card: Earn Rakuten Points and ANA miles. It is ideal for travelers who want both shopping and flight rewards.
- Rakuten Business Card (for sole proprietors): This card offers the same point structure as the personal cards, plus business-use support and higher limits.
Step-by-Step: How to Apply Online
Applying for a Rakuten Credit Card is fast and straightforward. Here’s a clear breakdown of the process:
- Visit the Official Rakuten Card Website: Choose your preferred card type from the available options on their website.
- Select Card Brand and Design: Pick between Visa, MasterCard, or JCB and choose your card design.
- Enter Personal Details: Fill in your name, date of birth, contact info, and residential address.
- Provide Employment Information: Enter your job status, company name, income, and other required data.
- Review and Agree to Terms: Carefully read the terms and conditions and agree to proceed.
- Submit the Application: Confirm your details and submit the form online.
- Complete Identity Verification (if needed): You may be asked to upload a valid ID.
- Wait for Approval and Delivery: Approval usually takes 1–3 business days. Once approved, your card will be mailed.
Who Is Eligible?
To apply for this card in Japan, you must meet the following criteria:
- Age Requirement: You must be at least 18 years old.
- Residency: You need to have a valid address in Japan.
- Income: A stable income is required, especially for Gold and Premium cards.
- Identification: You must possess valid identification, such as a residence card or Japanese driver’s license.
- Bank Account: Having a Japanese bank account is necessary for billing purposes.
Tips to Maximize Card Benefits
Once you have your card, using it wisely can help you get the most out of its features.
Here are simple ways to increase your point earnings and enjoy better perks:
- Shop on Rakuten Ichiba: Earn extra points during special promotions and point-up campaigns.
- Use Rakuten Pay: Link your card to Rakuten Pay for convenient payments and additional rewards.
- Set Up Auto Payments: Use the card to collect steady points for utility bills, phone plans, and subscriptions.
- Join Rakuten Membership Programs: Register for Rakuten services like Rakuten Travel or Rakuten Mobile to unlock more benefits.
- Use the Card Abroad: Cards with Visa, MasterCard, or JCB branding are accepted globally and still earn points.
- Upgrade for More Perks: Consider the Gold or Premium card if you travel often or want added features like lounge access.
- Watch for Limited-Time Offers: Take advantage of seasonal campaigns and double-point days on the Rakuten platform.
Customer Service & Contact Information
If you need assistance with your Rakuten Credit Card, here are the main contact options:
- Customer Call Center (Japan): 0570-66-6910
- Customer Call Center (International): +81-92-474-6287
- Email: [email protected]
- Business Hours: 9:30 AM – 5:30 PM (Japan time), including weekends and national holidays
- General Correspondence Address: Rakuten Card Co., Ltd. 2-6-21 Minami Aoyama, Minato-ku, Tokyo, Japan
Call the Customer Call Center for English support, and an English-speaking representative will answer your call.
To Conclude
The Rakuten Credit Card is a smart choice for anyone who shops online or wants to earn easy rewards on daily spending.
With no annual fee, strong point benefits, and smooth integration with Rakuten services, it’s both practical and rewarding.
If you’re eligible, apply online today and enjoy the perks immediately.
Disclaimer
Information provided in this article is for general guidance only and may change without notice.
Please refer to the official Rakuten Card website for the most up-to-date terms, conditions, and eligibility requirements.