Rakuten Black Card 楽天ブラックカード
Rakuten top-tier premium card · Rakuten Card · Credit cards
An access-gated ¥33,000 Rakuten premium card with travel, dining, concierge-style and family-card benefits, aimed at very heavy Rakuten spenders.
Highlights
- Premium travel, dining and concierge-style benefits
- Multiple family cards
- Priority Pass under current terms
Things to consider
- Access is gated by Premium tenure and high spend
- Meeting the access condition does not guarantee issuance
Fees: ¥33,000 annual fee; access is gated and issuance is not guaranteed.
Points and rewards
This card earns Rakuten Points at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- Rakuten Points
- Base earning rate
- 1%
- What a point is worth
- 1 point=¥1 in eligible Rakuten uses
Best for
Top Rakuten tier
Watch out for
Eligibility and benefit caps
How you earn
- Earning rule
- Rakuten Card generally 1 point per ¥100 eligible card spend; some categories use different units/rates
- Extra earning on this card
- Premium Rakuten/travel benefits
- 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
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- ¥33,000
- Insurance
- Premium travel insurance
- Lounges and travel services
- Priority Pass/concierge
- Family cards and ETC
- Family cards
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- Invitation or stated application eligibility
Issuance and the credit limit remain subject to the issuer’s screening.
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| Visa | ¥33,000 | Selectable network stated or represented at family level |
| Mastercard | ¥33,000 | Selectable network stated or represented at family level |
| JCB | ¥33,000 | Selectable network stated or represented at family level |
| American Express | ¥33,000 | Selectable network stated or represented at family level |
Card facts
- Network
- Visa, Mastercard, JCB or American Express.
- Annual fee
- ¥33,000 including tax for the primary card.
- Fee waiver
- No standing annual fee waiver.
- Rewards
- Earns Rakuten Points.
- Base earning
- Generally 1 point per ¥100 of eligible use, with conditional Rakuten ecosystem bonuses.
- Bonus conditions
- Not confirmed in reviewed official material (not the same as “no”)
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- Foreign-currency use incurs the designated overseas handling charge (around 3.63% on Rakuten cards); verify the current rate.
- Insurance
- Premium travel insurance applies under the policy guide with activation, limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Priority Pass and additional lounge access are offered under current terms.
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Multiple family cards are available under issuer conditions.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Applicants must satisfy the issuer-stated age, income/status and other conditions; issuance and limits remain subject to screening. No approval-likelihood claim is made.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.