Rakuten Credit Card
Rakuten Credit Card
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Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
20.74% - 25.74% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
$10 First Purchase Bonus after the first purchase using your Rakuten Credit Card. No minimum purchase amount required.
Extra 3% Cash Back (in addition to Cash Back earned on purchases for shopping through Rakuten) on qualifying purchases made through Rakuten.com, in Store Cash Back Offers, Rakuten Dining and Rakuten Gift Card Shop.
1% Cash Back on purchases everywhere else Visa credit cards are accepted.
Rakuten Credit Card's Additional Info
Peace of Mind thanks to zero-fraud-liability policy and Visa benefits like Price Protection and Return Protection.
Enjoy Apple Pay™, Google Pay™ and Samsung Pay.
cash advance fee | 4% (min $10) |
cash advance APR | 20.74% - 25.74% (V) |
foreign transaction fee | 3% |
smart chip | Yes, chip-and-signature |
max late fee | $40 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 23 days |
Rakuten Credit Card Pros & Cons
No membership fees
High rewards rate
$10 initial rewards bonus
No intro APR on purchases
No balance transfers allowed
Foreign fee
Requires good/excellent credit
Compare The Rakuten Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0% for 15 months |
transfer intro aprNot Offered | transfer intro apr0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time |
Regular APR20.74% - 25.74% (V) | Regular APR19.24% - 29.24% (V) | Regular APR19.99% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
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