Credit cards that earn Rakuten Points
14 cards in the researched lineup earn Rakuten Points. Redemption options and the value of a point are set by the programme itself, so check its official page alongside the card.
Rakuten
How Rakuten Points works
- Run by
- Rakuten
- What a point is worth
- 1 point=¥1 in eligible Rakuten uses
How you earn
- Earning rule
- Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates
- Programme bonuses
- Rakuten Market SPU, Rakuten Pay, campaigns and card-tier benefits
- Spend that earns
- Eligible card and Rakuten ecosystem transactions
- Spend that earns less, or nothing
- Fees/cash advances and designated low/no-earn categories; tax/utility rules differ
- Caps, registration and thresholds
- SPU and campaigns have monthly caps and entry/service requirements
- Expiry
- Ordinary points expire 1 year after last qualifying point earning and extend with activity; limited points have fixed dates
Using your points
- What points can be used for
- Rakuten services/market; Rakuten Pay; card bill payment; Edy/partner routes; ANA miles; point investment/funds/crypto; donations
- Statement credit or cash
- Use ordinary points toward Rakuten Card bill in eligible units
- Shopping and merchants
- Rakuten Market/services and Rakuten Pay
- Airlines and travel
- Rakuten Travel and ANA-mile exchange
- Hotels
- Rakuten Travel and partner hotels
- Transit and e-money
- Rakuten Pay/Edy routes subject to rules
- Partner points and gifts
- ANA miles and partner/e-money routes
- Investing and charity
- Point investment, funds and crypto-related services
- Highest-value route
- Rakuten Card bill/Rakuten Pay at ¥1; SPU points should be used before limited expiry
Programme rules published by point.rakuten.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Rakuten Card
Alpen Group Rakuten Card
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 1
Rakuten Points / Alpen points
Official site
3Rakuten Card
Rakuten Card
- Annual fee
- Free
- Base rate
- 1%
- Reward range
- 1%–3%
- Variants
- 4
Rakuten Points
#11 on the comparison siteOfficial site
Rakuten Card
Rakuten Card My Color Selection
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 1
Rakuten Points
Official site
2Rakuten Card
Rakuten Card Sanrio Designs
- Annual fee
- Free
- Base rate
- 1%
- Variants
- 2
Rakuten Points
Official site
2
2Rakuten Card
Rakuten ANA Mileage Club Card
- Annual fee
- ¥550
- Base rate
- 1%
- Variants
- 3
Rakuten Points or ANA miles
Official site
Reward ranges are Kakaku.com’s own calculations as of 2026-08-16. The issuer’s official page governs fees, caps and benefit terms. kakaku.com
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231 cards and 391 network variants recorded from official issuer lineup and product pages as of 2026-08-16. Fees, benefits and campaigns change — check the issuer page before applying.