Rakuten Credit Card is available to users worldwide. The application is simple and open to many, including foreign residents.
Rakuten offers services in multiple sectors, such as e-commerce, mobile, and finance. The credit card is one of its most used products. Select cards have no annual fee, and users earn loyalty points on purchases.
Here’s what matters—how to apply, how to earn more cashback, and which perks you can unlock.
Rakuten Credit Card: Apply Easily, Earn More, Spend Smarter
Rakuten offers a globally recognized credit card built for everyday spending. It supports users worldwide, including foreign residents, with broad access and simple approval.
Why Rakuten Credit Card Stands Out
Rakuten is active in mobile, finance, and online retail. The credit card is one of its most used services, thanks to a practical design focused on ease and rewards.
- No annual fees for selected card types
- Points-based cashback on every eligible purchase
- Accessible application process with minimal restrictions
Smart Tips Before You Apply
Make sure your finances are ready before applying. These key points help avoid issues later:
- Keep your bank account funded for automatic payments
- Choose installment plans that match your monthly income
- Monthly charges are auto-deducted on the 27th
- Late payments add interest and may affect approval chances
Maximize Cashback and Unlock Perks
Using the Rakuten Credit Card on eligible purchases boosts your points.
These points can be used within Rakuten’s ecosystem, including online shopping and mobile services. Higher spending during promos or partner store purchases often earns extra points.
Why Rakuten Credit Card Is Worth It
Rakuten Credit Card gives worldwide users real value. It’s easy to apply, has no annual fee for select cards, and offers consistent rewards.
Cardholders benefit from wide acceptance, secure cashless payments, and exclusive deals throughout the year.
Earn More Points, Get More Rewards
Rakuten Cards ranked top in user satisfaction, point returns, and customer experience in past surveys.
- Get 1 point for every 100 yen spent
- Earn more at Rakuten Marketplace and partner stores
- Points equal real value—1 point = 1 yen
- Use points across Rakuten platforms and Rakuten Pay
More card use means better member status. Higher status brings better benefits and point rates.
Get Points Paying Everyday Bills
Use the card for recurring bills like electricity, water, and gas. Every payment earns points, helps track expenses, and avoids late fees.
Travel Ready and Global-Friendly
Withdraw local currency at international ATMs when traveling. The card is built for both domestic and overseas convenience.
Rakuten Credit Card Options: Pick What Fits Best
Rakuten offers multiple credit card types to match different spending needs and lifestyles.
1. Rakuten Standard Card:
- No annual fee
- Choose from MasterCard, Visa, or JCB
- Earn 1 point per 100 spent
- Visa version has no design options
2. Rakuten Pink Card:
- Same features as the standard card
- Comes in pink, aimed at female users
- Includes exclusive discounts on select services
3. Rakuten Gold and Premium Cards:
- Gold Card: Annual fee of 2,160
- Premium Card: Annual fee of 10,800
- Higher credit limits
- Free airport lounge access
- More points and perks
Each card type serves a different purpose—basic everyday use or added luxury and travel benefits. Choose based on usage and reward goals.
How to Apply for a Rakuten Credit Card
Follow these steps to complete your application smoothly.
Step 1: Access the Application Page:
- Go to the Rakuten Card website.
- Click the red カンタン申し込み button (Easy Application).
- No Rakuten account? Create one during the process.
Step 2: Enter Basic Information:
Fill out the form accurately:
- Card Type and Design: Choose Visa, MasterCard, or JCB. Design options depend on the brand.
- Name: Input in katakana, hiragana, and Latin letters. Long names may need Rakuten support.
- Gender and Birthday: Must be 18 or older.
- Phone and Email: Standard providers like Gmail are accepted.
- Newsletter: Opt out if not interested.
- Address: Use postal code to auto-fill, then complete manually. Add furigana.
- Family and Housing Info: Select household status and housing type.
- Loan Info: Declare if you or a partner has loans.
- Employment and Income: Include job status, yearly income, or student income if applicable.
- Savings: Optional ,but can support approval.
- Invoice Delivery: Choose home or work.
- Reason for Application: Choose “shopping” for better approval chances.
- Edy Function (Optional): Acts as a prepaid card. Auto-charge settings available.
- Bank Info: Link a bank account now or request paperwork.
- PIN Code: Set and confirm your PIN. This cannot be changed later.
Step 3: Add Workplace Information:
Provide your:
- Company name
- Location (prefecture)
- Phone number
- Time employed
- Job type and status
- Industry
- Driver’s license info (if applicable)
Step 4: Create or Link a Rakuten Account:
- Enter password twice.
- Account ID is your email.
- Opt in or out of newsletters.
- Click the yellow button to continue.
Step 5: Link Your Bank Account:
- If already selected, enter your branch and account details.
- Choose account type and confirm info.
- Click 次へ進む to proceed.
Step 6: Final Confirmation:
- Review all data. Click 修正する to edit if needed.
- Set a Rakuten e-navi password (optional).
- Agree to the terms (同意する) and finish by clicking the red button.
Customer Support: Get Help Fast and Easy
Rakuten provides multiple ways to handle card issues, including billing questions, payment errors, or security problems. Users worldwide can access help through phone, online tools, or in-person visits.
- Phone Support: Call 0570-66-6910 for direct assistance with account problems, lost cards, or payment concerns.
- In-Person Help: Visit Rakuten Crimson House at 1-14-1 Tamagawa, Setagaya-Ku, Tokyo, for face-to-face service.
Online help is often faster. The official Rakuten website has guides, FAQs, and chat support for common problems like login issues, card activation, or tracking payments. Always check the help section before calling or visiting for quick resolutions.
Conclusion
Rakuten Credit Card offers global access, simple application, and flexible options for everyday users. It’s designed for ease, rewards, and wide usability—even for foreign residents.
This guide includes the full process, key benefits, and card types. For the latest updates or changes, always check Rakuten’s official website.