The Rakuten Credit Card is one of the most widely used credit cards in Japan. It combines affordability, rewards, and accessibility for both online and in-store use.
This article will explain the benefits, features, and conditions attached to the card. You will also learn about its interest rates, eligibility, and application process.
What is the Rakuten Credit Card?
The Rakuten Credit Card is a standard credit card offered by Rakuten, a major Japanese e-commerce and financial group.
It is accepted worldwide through major payment networks such as Visa, Mastercard, JCB, and American Express.
The card stands out because it charges no annual fees while offering strong point rewards. It has become a common choice for everyday users and online shoppers.
Key Benefits of the Rakuten Credit Card
The Rakuten Credit Card is known for its generous benefits. Its most attractive feature is the permanent exemption from annual fees.
Alongside this, members enjoy point rewards that are easy to collect and redeem. Below are the main benefits explained.
No Annual Fee
One of the most appealing aspects of the Rakuten Credit Card is that it is free for life. Unlike other credit cards, you do not have to pay a yearly renewal fee.
This makes it especially attractive to students, new credit users, and cost-conscious families. The savings over time add to its popularity.
Welcome Points (5,000 Points Offer)
New members can receive up to 5,000 points upon joining. You earn 2,000 points by registering your card with the free Rakuten e-NAVI online service.
You get the remaining 3,000 points after using the card three times. This welcome bonus gives immediate value to new users.
High Point Accumulation
The card rewards you with 1 point per 100 yen spent on any purchase. These points are equivalent to 1 yen and can be redeemed later.
Additional points are earned when shopping at Rakuten Ichiba, boosting rewards significantly. Frequent online shoppers benefit the most from this system.
Partnerships with Shops and Stores
Rakuten Card points can be earned and used at many partner stores. Everyday shops like FamilyMart, McDonald’s, KFC, and Seiyu accept Rakuten points.
Gas stations and drugstores are also included, making it practical for daily spending. This wide coverage increases the card’s usefulness.
Special Campaigns and Limited-Time Offers
Rakuten regularly runs promotional campaigns that increase point returns. During campaigns, users can earn double or triple points.
These offers are seasonal and sometimes tied to Rakuten Ichiba events. Taking advantage of these promotions boosts savings further.
Card Usage and Rewards
The Rakuten Credit Card rewards members through different channels. Points can be used directly at stores or within Rakuten’s ecosystem.
They can also be applied to reduce bills or purchase products. The flexibility of the rewards system makes the card practical.
Using Points at Rakuten Group Services
Points are fully compatible with Rakuten’s own services. You can use them on Rakuten Travel, Rakuten Books, or Rakuten TV.
Rakuten Pay also accepts points, making mobile transactions cheaper. The Rakuten ecosystem offers one of the most complete integration options in Japan.
Using Points at Partner Stores
Outside of Rakuten services, the points can be used at popular shops. Restaurants, supermarkets, drugstores, and convenience stores accept them.
This includes chains such as Yoshinoya, Daily Yamazaki, and Matsuzakaya. The wide range of partners gives users more opportunities to spend accumulated points.
Redeeming Points Online
You can apply points directly to purchases made on Rakuten Market. Every 1 point equals 1 yen, allowing you to reduce costs on orders.
This feature is particularly appealing for frequent Rakuten Market shoppers. It simplifies both earning and redeeming rewards.
Rakuten Card Designs
Rakuten Card offers a wide range of designs to suit personal preferences. The card can be customized with popular characters.
This attracts younger users and families looking for a card with personality. Cardholders can choose from standard or limited-edition options.
Popular Character Designs
Rakuten Card offers several unique character designs to appeal to different users. These options add both style and personalization to the card.
- Dragon Ball Z design – Popular among anime fans, featuring iconic artwork from the series.
- Dragon Ball DAIMA design – A newer release that highlights characters from the latest Dragon Ball saga.
- Kiki & Lala design – A Sanrio-themed option with a cute and colorful aesthetic.
- Minnie Mouse design – Disney lovers can choose a soft pink background featuring Minnie Mouse.
- Mickey Mouse design – A classic Disney card with Mickey’s recognizable look.
- Shopping Panda design – Rakuten’s own mascot design, beloved for its playful style.
Security and Online Features
Rakuten ensures that cardholders are protected and supported. The card includes fraud protection policies and digital management options.
These features increase user confidence and reduce risks. Online services also improve convenience for members.
Rakuten e-NAVI Service
Rakuten e-NAVI is an online account management system for cardholders. It allows you to view statements, track rewards, and manage account settings.
You can also access campaigns and apply points to purchases. Registration is free and recommended for all cardholders.
Fraud Protection
Rakuten Card includes full fraud protection. If unauthorized use is detected, members are not held liable.
This provides peace of mind for online and offline use. Regular monitoring adds to account security.
Contactless Payments
The card supports modern payment methods like Visa Touch, Mastercard Contactless, and Rakuten Pay. These allow quick transactions at stores without swiping.
It reduces checkout time and increases convenience. Many major retailers in Japan now accept contactless payments.
Eligibility and Application Process
Applying for a Rakuten Credit Card is simple. The process is completed online, and approval is fast.
Applicants must meet certain requirements before applying. Delivery takes about a week after approval.
Requirements
Applicants must be at least 18 years old. A stable income or status as a student with guardian approval is required.
A Japanese address and phone number are necessary. These conditions are standard across Japanese credit cards.
Application Steps
The application process is straightforward:
- Apply online through the official Rakuten Card website.
- Undergo a quick credit screening by Rakuten.
- Receive the card by mail in approximately one week.
- Register on Rakuten e-NAVI to activate full benefits.
Interest Rates and Fees
Although the Rakuten Credit Card has no annual fee, it does charge interest on balances.
Users should pay attention to rates if using revolving payments or cash advances. Managing payments properly ensures cost savings. Below are the main details.
Revolving Credit Interest Rate
The revolving payment system carries an interest rate of around 15.00% APR. This applies when you do not fully pay the monthly balance.
It can increase overall costs if balances are carried too often. Paying in full avoids these charges.
Cash Advance Interest Rate
Cash advances carry a higher rate of around 18.00% APR. These are best used in emergencies only.
Regular use of cash advances can create high repayment burdens. Responsible card usage avoids these unnecessary costs.
Late Payment Fees
Rakuten also charges penalties for late or missed payments. This may include both fixed fees and additional interest.
Keeping track of billing cycles is crucial. Paying on time protects your credit history.
Pros and Cons of the Rakuten Credit Card
Understanding the advantages and disadvantages helps you decide if the card suits your needs. Below are the main points to consider.
Pros
The Rakuten Credit Card offers several strong advantages for users. These benefits make it an attractive option for both new and experienced cardholders.
- No annual fee for life.
- Generous reward system and bonus points.
- Wide partner store network.
- Attractive card designs.
Cons
Despite its benefits, the Rakuten Credit Card has some drawbacks to consider. These points help you weigh if the card fits your spending habits.
- High interest rates for balances and cash advances.
- Best suited for frequent Rakuten users.
- Campaign offers may vary and expire quickly.
Contact Information and Customer Support
Rakuten provides several support options for cardholders. Members can call or use online services for assistance. Below are the main contact details.
- Rakuten Card Customer Service (Japan domestic): 0570-66-6910
- Official Website: Rakuten Card Website
- Rakuten e-NAVI: Online service for account and rewards management
Disclaimer
Card information and benefits may change over time. Campaigns and offers are limited and may not always be available.
Interest rates and conditions may differ depending on user status. Always check Rakuten’s official website for the latest information.
Conclusion – Why Choose Rakuten Credit Card?
The Rakuten Credit Card remains a top choice in Japan for affordability and rewards. With no annual fee and strong point benefits, it appeals to both casual and frequent shoppers.
It integrates seamlessly into the Rakuten ecosystem and partner stores. Choosing this card provides lasting value when used responsibly.
