Rakuten PINK Card 楽天PINKカード
No-fee card with optional add-on benefits · Rakuten Card · Credit cards
A Rakuten Card variant that keeps the same no-fee, Rakuten-Points base as the standard card and adds optional paid benefit programs — a custom-design service, lifestyle discounts and women-oriented insurance.
Highlights
- No annual fee for the base card
- Earns Rakuten Points, same as the standard card
- Optional add-on benefit and insurance programs
Things to consider
- Add-on programs carry their own monthly charge
- Base earning matches the standard Rakuten Card
Fees: No annual fee for the base card; optional add-on programs carry their own charge.
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
Design and optional benefits
Watch out for
Paid add-ons
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
- Optional lifestyle 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
- Free
- Insurance
- Travel insurance
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- 18+
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, or JCB; available designs and combinations vary.
- Annual fee
- No annual fee for the base card; optional benefit programs may carry a separate monthly charge.
- Fee waiver
- Not applicable because the base card has no annual fee.
- Rewards
- Earns Rakuten Points.
- Base earning
- Generally 1 point per ¥100 of eligible card use, matching the standard card; exclusions and different rates apply.
- Bonus conditions
- Rakuten-marketplace and campaign bonuses have separate conditions and are not the base rate.
- 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 issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- Optional women-oriented insurance is conditional; enrollment, limits and exclusions follow the 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
- 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.