The Rakuten credit card is a popular option in Japan for its rewards and no annual fee. This article will show you how to apply online, step by step.
You’ll also learn about key features, benefits, and interest rates. If you’re considering this card, here’s everything you need to know before applying.
What Is the Rakuten Credit Card?
The Rakuten credit card is a basic credit card used for daily spending and online shopping in Japan. It connects to your Rakuten account and earns you Rakuten Points.
The card works at stores, online, and supports mobile payments. There’s no annual fee, and it’s available in different types like student and gold versions.
You can apply online and manage it through the e-NAVI platform. It’s one of the more common cards for users in the Rakuten ecosystem.
Main Features and Perks
These are the key features you should know before applying. Each one offers a benefit tied to usage or card type.
No Annual Fee Forever
You don’t have to pay any yearly fees. The card stays free for life if you use it at least once.
This applies to standard and some premium types. Always check the details on the official site.
Rakuten Points Upon Sign-Up and Usage
You get 5,000 points when you sign up and use the card. You must meet certain conditions to receive the full amount.
Registration to e-NAVI and auto payment setup is usually required. These points can be used across Rakuten services.
Earn 1 Point for Every 100 Yen Spent
Every ¥100 spent gives you 1 Rakuten Point. This includes in-store and online shopping.
Some items or services might not qualify. Read the full point policy before relying on it.
Up to 1.5% Cashback With Rakuten Pay
If you link your card to Rakuten Pay, you can earn up to 1.5% back. This works when you charge the app with your card.
Cashback rate may depend on usage frequency or campaigns. Check the app for current rates.
Multiple Card Options
There are several types of Rakuten Cards. You can choose basic, gold, premium, or student cards. Benefits and limits will vary. Pick the one that fits your situation.
Card Compatibility: Visa, MasterCard, JCB
You can select your preferred brand. Options include Visa, MasterCard, or JCB. This helps with usage in Japan or abroad. Some campaigns are brand-specific.
Supports E-NAVI and Mobile Wallet Payments
The card links to Rakuten e-NAVI for tracking and updates. You can also use Apple Pay, Google Pay, or other mobile wallets.
It adds more ways to pay securely. Setup is simple once your card is activated.
Membership Bonuses and Promotions
You can get extra points during sign-up, card use, or special referrals. These bonuses often have terms you need to follow.
5,000 Points for New Users
First-time applicants can get 5,000 points after using the card. You must register with e-NAVI and set up payments.
The points are credited later, not instantly. Conditions apply depending on your usage.
5,000 Points for Premium/Gold/Academy Cardholders After Use
These versions offer similar rewards after first-time use. You still need to activate the card and spend once.
Some offers may be for students only. Always check your card type for eligibility.
7,000-Point Referral Bonus
If someone refers you, both of you get 7,000 points total. This is split—referrer gets part, and you get the rest.
Referral must be submitted through the right link. Terms change depending on active campaigns.
Special Campaigns
Rakuten runs seasonal or event-based campaigns. These may offer more points or limited-time perks.
You need to join the campaign before applying. Always check details before joining.
How to Apply Online?
The application process is simple. Follow the steps below.
Go to the Official Rakuten Card Website
Visit rakuten-card.co.jp. You’ll see available card types and offers. Pick your design and brand. Check all requirements before you apply.
Choose Your Member Type
Select whether you’re a Rakuten member or not. This changes how you start the application.
Rakuten Members: Log In to Apply
Click the red box for members. Log in using your Rakuten ID. You’ll go to the application page. Some details may fill in automatically.
Non-Members: Register First
Click the white box for new users. Create a Rakuten ID first. Then go back to the card form. It only takes a few minutes.
Fill Out the Application
Type in your personal and work details. Include your name, address, phone, and employer. Add income and ID info. Make sure everything is correct.
Submit ID: Residence Card or My Number
Upload one valid ID. Most people use a Residence Card or My Number card. Follow the upload guide on the page. This step is required.
Agree to Terms and Submit
Read the terms and privacy policy. Tick the box to agree. Then submit the form. Save your application number.
Approval via Email or Mail
Rakuten will reply by email or mail. Most get approved in 7 to 14 days. Your card will arrive at your home address. The e-NAVI setup info comes with it.
Eligibility and Requirements
Before you apply, check if you meet the basic requirements. These points are standard for most applicants.
- Must be 18+ years old (20+ for some card types)
- Must have a Japanese address and phone number
- Must have a stable income or be a student
- Must have a clean credit history in Japan
Interest Rates and Fees
These are the main charges and rates to know. Read carefully before using the card.
Annual Fee
There’s no annual fee for the Rakuten Card. You don’t need to pay any fee to keep using it. This applies to the standard card. Other types may have different rules.
Purchase APR
The card’s standard purchase interest rate is between 15.0%–18.0%. This depends on your card type and credit review.
Always check the exact rate after approval. Interest starts if you carry a balance.
Cash Advance APR
If you withdraw cash using your card, the rate is around 18.0%. Interest starts from the withdrawal date. This is higher than normal purchases. Use only when needed.
Late Payment Fee
Missing a payment may trigger a fee up to 20.0% APR. This can increase your balance quickly. Pay on time to avoid penalties. It affects your credit history.
Foreign Transaction Fee
When using your card abroad, expect a 1.63% charge. This applies to non-yen purchases. It’s added automatically to your bill. Always review foreign usage terms.
Benefits of Using Rakuten Card
Using this card comes with some practical benefits. Here’s what you get.
- Earn Rakuten Points for every purchase
- Extra points when shopping on Rakuten Ichiba
- Manage your account with Rakuten e-NAVI online
- Works in stores, online, and overseas
- Available in various tiers to suit your lifestyle
Tips to Get Approved
Follow these tips to avoid delays and increase approval chances.
- Use correct and current information
- Apply during weekday business hours
- Don’t apply for multiple cards at once
- Keep your credit record clean before and after applying
Contact Details
For updates, support, or questions, use the official contacts.
You can visit the official site. For domestic support, call 03-6740-6740. The issuing company is Rakuten Card Co., Ltd., located at Rakuten Crimson House, Aoyama, Tokyo.
Customer support hours may vary, so check the website first.
The Final Word on Rakuten Credit Card
The Rakuten Credit Card offers simple rewards and no annual fee. Applying online is easy if you meet the basic requirements.
You get access to Rakuten Points, online tools, and international use. Make sure to review terms and choose the card that matches your needs.
Disclaimer: This article is for informational purposes only. Always check the official Rakuten Card website for the latest updates and details.