Rakuten Card review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Rakuten Card trades broad points earning across shops and online shopping for exclusions on some purchases. It is a credit card that pays rewards as points, with app based statement checks, and it suits everyday spenders who accept those stated limits and conditions.
Key facts
- Best for
- Everyday spenders accepting some points exclusions
- Rewards type
- Points↗
- Card kind
- Credit↗
- Legal entity
- Rakuten Card Co., Ltd.↗
- Features
- Rewards
- Official website
- rakuten-card.co.jp
Facts checked September 26, 2026, 1 source
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- Pays rewards as points for everyday card shopping.
- Mobile app displays statements and supports control of outgoings.
- Support earned the highest mark in an international service benchmark.
Cons
- Some shops, products and services sit outside the points scheme.
- Certain rewards carry conditions and arrive with limited validity.
Ready to try Rakuten Card?
Who it suits
- App users who check statements on a phone
- People who value careful operator guidance
Who should look elsewhere
- Shoppers mainly buying where points do not apply
- Holders seeking rewards without conditions or expiry
How Rakuten Card compares
Frequently asked questions
What type of card is Rakuten Card?+
Rakuten Card is a credit card that pays rewards as points. Rewards centre on Rakuten Points earned through card shopping. The card also links to a members online service for account administration. That service handles registration and access to point offers.
How does the points system work?+
Points accrue when the card pays for purchases on the high street and over the internet. Some shops, products and services sit outside the scheme or earn at a different level. The card company notes that certain rewards carry conditions and limited validity.
How can cardholders track statements and spending?+
Cardholders follow statements and control outgoings through the Rakuten Card app. The members online service supports safe use for account tasks. Chat and guidance content answer common questions about the card, while trained operators provide careful help for individual queries.
What protections apply against fraud and impersonation?+
The card company warns against suspicious emails, calls and apps that imitate Rakuten Card. Official mail arrives from the company domain, and staff never request full card numbers, IDs or one-time passwords by mail or phone. Warnings and safe-use guidance help prevent impersonation in online shopping.
Which company operates Rakuten Card?+
Rakuten Card is operated by Rakuten Card Co., Ltd.. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Rakuten checked September 26, 2026
Backs: Card kind, Features, Legal entity, Rewards type
“The company began offering a Rakuten credit card in 2005.”
Compiled from 1 source page, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Currency conversion fee.
Related by the facts
Rakuten Card
Everyday spenders accepting some points exclusions