Rakuten Card 楽天カード
No-annual-fee credit card · Rakuten Card · Credit cards
A no-annual-fee card that earns Rakuten Points. Eligibility, payment settings, and current reward exclusions should be checked in the issuer disclosures.
Highlights
- No annual fee for the standard card
- Rakuten Points on eligible spending
- Online application subject to issuer screening
Things to consider
- Watch for revolving-payment (リボ) prompts during signup
- Point value is highest inside the Rakuten ecosystem
Fees: No annual fee; interest applies only if you use revolving or installment payments.
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
Simple 1% and broad ecosystem
Watch out for
Some payments earn lower/no points; SPU conditions change
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
- Rakuten market/SPU bonuses subject to terms
- 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
- Free
- Insurance
- Overseas travel insurance subject to use
- Family cards and ETC
- Family/ETC available; ETC fee waiver conditions
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- 18+; high-school students excluded
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 | Free | Selectable network stated or represented at family level |
| Mastercard | Free | Selectable network stated or represented at family level |
| JCB | Free | Selectable network stated or represented at family level |
| American Express | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Visa, Mastercard, JCB, or American Express; available designs and combinations vary.
- Annual fee
- No annual fee for the standard primary card.
- Fee waiver
- Not applicable to the standard card because its annual fee is free.
- Rewards
- Earns Rakuten Points.
- Base earning
- Generally 1 point per ¥100 of eligible card use; exclusions and different rates apply.
- Bonus conditions
- Rakuten-marketplace and campaign bonuses have separate conditions and must not be treated as the base rate.
- Point expiry
- Regular points expire one year after the last point was earned; earning a regular point extends the date. Limited-time points follow their stated date.
- Redemption
- May be used in eligible Rakuten services and participating point merchants; conditions vary by use.
- Foreign transaction fee
- A designated overseas transaction handling charge applies to foreign-currency transactions; check the current fee table before use.
- Insurance
- Overseas travel accident insurance is subject to activation, eligibility, limits, and exclusions in the policy guide.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Not confirmed in reviewed official material (not the same as “no”)
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Issuer materials list supported mobile-payment settings; supported cards and devices vary.
- Family cards
- Family cards are offered subject to issuer conditions.
- ETC card
- ETC cards are available; annual-fee conditions may depend on membership status.
- Stated eligibility
- Stated application eligibility is age 18 or older, excluding high-school students; issuance remains subject to screening.
- Application
- Online application is available. The issuer, not this site, decides issuance.
- Payment settings
- Check the selected method: one-time, installment, bonus, and revolving options have different conditions and charges.
- Revolving payment
- Revolving payment incurs the fee/rate in the member terms; automatic revolving settings should be checked before and after application.
- Cash advance
- See the issuer disclosure; availability and limits depend on the contract and screening.
- Limitations
- Rates, benefits, designs, insurance, and campaign awards can change; verify the current issuer pages. No approval-likelihood claim is made.
Rakuten Card vs other standard cards
A side-by-side view of fixed cost and point terms. Select any card name to open its full record.
| Criterion |  Rakuten Card |  Epos Card |  Sumitomo Mitsui Card (NL) |  JCB Card S |  d Card |  PayPay Card |  au PAY Card |
|---|---|---|---|---|---|---|---|
| Annual fee | No annual fee for the standard primary card. | No annual fee for the standard card. | No annual fee for the standard card. | No annual fee for the primary card. | No annual fee for the standard d Card. | No annual fee for the standard card. | No annual fee for the standard card. |
| Points | Earns Rakuten Points. | Earns Epos Points. | Earns V Points. | Earns J-POINT under the current JCB program. | Earns d POINT. | Earns PayPay Points. | Earns Ponta Points. |
| Base earning | Generally 1 point per ¥100 of eligible card use; exclusions and different rates apply. | Generally 1 point per ¥200 of eligible use; exclusions and different rates apply. | Base points accrue on eligible purchases; exclusions and rounding rules apply. | Points accrue on eligible monthly card use under JCB rounding and exclusion rules. | d POINT accrues on eligible shopping; excluded transactions and merchant-specific treatment apply. | PayPay Points accrue on eligible card purchases; exclusions and calculation rules apply. | Ponta Points accrue on eligible card use; exclusions and calculation rules apply. |
| Point expiry | Regular points expire one year after the last point was earned; earning a regular point extends the date. Limited-time points follow their stated date. | Points ordinarily expire two years after they are added; exceptions and extensions may apply under issuer rules. | Expiry is governed by the current V Point terms and activity rules. | Point validity follows the current J-POINT terms for this card. | Validity follows current d POINT Club rules and point type. | PayPay Points are governed by current PayPay terms; limited/campaign awards may have separate conditions. | Point validity follows current Ponta program terms and activity treatment. |