Rakuten Premium Card 楽天プレミアムカード
Rakuten card with travel features · Rakuten Card · Credit cards
An ¥11,000 Rakuten card with a 1% base, published limit up to ¥3,000,000 and Priority Pass — whose value must be judged under current visit limits rather than older unlimited-use assumptions.
Highlights
- Priority Pass under current visit rules
- 1% base with Rakuten Market bonuses
- Published limit up to ¥3,000,000
Things to consider
- Priority Pass visits are now capped, not unlimited
- Carrying a revolving balance overwhelms rewards
Fees: ¥11,000 annual fee; judge Priority Pass value under current visit limits.
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
Travel benefits
Watch out for
Priority Pass rules changed over time
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 travel/selected course 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
- ¥11,000
- Insurance
- Travel insurance
- Lounges and travel services
- Priority Pass subject to visit limits/current terms
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- 20+
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 | ¥11,000 | Selectable network stated or represented at family level |
| Mastercard | ¥11,000 | Selectable network stated or represented at family level |
| JCB | ¥11,000 | Selectable network stated or represented at family level |
| American Express | ¥11,000 | Selectable network stated or represented at family level |
Card facts
- Network
- Visa, Mastercard, JCB or American Express.
- Annual fee
- ¥11,000 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 Market 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
- 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 is offered subject to the current per-visit rules and any usage cap.
- 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.