Rakuten Gold Card 楽天ゴールドカード
Low-cost ecosystem gold card · Rakuten Card · Credit cards
A ¥2,200 gold Rakuten card in an awkward middle tier: low fee and 1% base, but limited lounge and ecosystem advantages over the free Rakuten Card.
Highlights
- 1% base Rakuten Points
- Limited domestic-lounge usage
- Low ¥2,200 fee
Things to consider
- Advantages over the free card are narrow
- Often the free Rakuten Card is more efficient
Fees: ¥2,200 annual fee; benefits over the free card are limited.
Card facts
- Network
- Visa, Mastercard or JCB.
- Annual fee
- ¥2,200 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; Rakuten-market multipliers are conditional and separate.
- 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
- Overseas travel accident insurance is subject to activation, limits and exclusions in the policy guide.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- A limited number of domestic airport lounge visits 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
- Family cards are available under the issuer fee and eligibility 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.