Getting a Rakuten Card is a smart move for residents in Japan who want to earn daily shopping rewards. The Rakuten credit card application process is fast and mostly done online.
In this guide, you'll find how to apply, what to expect, and which version of the card suits your lifestyle. We also cover the latest campaign perks, card features, and support channels.
What Does the Rakuten Credit Card Offer?
Rakuten Card is built for daily use across Japan, from in-store purchases to online transactions. It includes multiple brand options and offers flexible management tools.
Compatibility with Major Brands
The Rakuten Card supports Visa, Mastercard, JCB, and AMEX. You can choose your preferred brand during the application process.
All versions support contactless payments and Rakuten Pay. This flexibility makes it easy to use the card anywhere in Japan.
International usage is also available depending on the brand. Each card functions like a standard credit card with added perks.
Integration with Rakuten Services
You can link your Rakuten Card to services like Rakuten Market, Travel, Books, and Beauty. This allows seamless purchases across the Rakuten ecosystem.
Points earned can be redeemed instantly within these platforms. Campaign bonuses often apply to these services.
Users get notified through the app or the e-NAVI dashboard. It’s ideal if you regularly shop within the Rakuten Group.
Real-Time Management with Rakuten e-NAVI
Rakuten e-NAVI lets you manage your card online 24/7. You can check your balance, download statements, and change settings.
Campaign enrollment is also done here. It provides access to point tracking and alerts.
You must register after card approval to use it. e-NAVI is Rakuten’s core account management tool.
Bonus Opportunities with JCB Selection
Choosing the JCB brand during application can unlock campaign-specific benefits. One current promotion gives you up to 8,000 points for new applications.
JCB-branded cards sometimes offer extra shopping or travel perks. These include limited-time Rakuten Point rewards.
JCB is widely accepted in Japan, especially among domestic merchants. This option is ideal if you're focused on Rakuten bonus campaigns.
Types of Rakuten Cards to Choose From
There are different Rakuten Cards based on your needs and spending. Each type offers unique benefits, fees, and services.
Rakuten Card - Standard - 無料
This version has no annual fee and is ideal for everyday users. You earn 1% back in points and get access to Rakuten Pay and e-NAVI features.
It’s eligible for special campaigns like the 8,000-point JCB offer. You can use it at many retail and online stores across Japan.
Great for students, beginners, or anyone looking for a cost-free card. It also offers a wide variety of card designs to choose from.
Rakuten Gold Card
The Gold Card costs ¥2,200 annually and includes extra travel perks. You gain access to domestic airport lounges and higher reward limits.
Point rates remain the same, but service upgrades make it attractive to frequent travelers. It’s a balanced option between standard and premium tiers.
You still enjoy campaign bonuses and Rakuten ecosystem access. Ideal if you travel often but want a mid-tier fee.
Rakuten Premium Card
This card charges ¥11,000 per year and targets high spenders. It includes global airport lounge access, enhanced customer service, and travel insurance.
Frequent flyers will benefit from its exclusive offers and campaign priority. You can access more advanced Rakuten services and special member deals.
It offers maximum convenience and flexibility for frequent online and offline shoppers. Choose this if you want premium support and benefits.
Eligibility and Requirements to Apply
Before applying, confirm that you meet Rakuten's eligibility criteria. This checklist helps avoid delays or rejections.
- You must be 18 years or older and living in Japan.
- A stable income or valid student status is required.
- You need a Japanese phone number and a residential address.
- A local bank account must be available for payment purposes.
- Required ID includes either a Residence Card or a My Number card.
- Double-check your application for errors to avoid rejection.
The Application Process Explained
The application is completed online in a few easy steps. You can apply even if you are a first-time Rakuten user.
- Choose a Rakuten Card from the official site (standard, gold, or premium).
- Pick your preferred brand: Visa, Mastercard, JCB, or AMEX.
- Sign in or create a Rakuten member account to continue.
- Fill in your personal details, income, and employment.
- Upload a valid ID (My Number card or Residence Card).
- Confirm your application and submit.
- Wait for the approval email and delivery of your card (usually within 1 week).
Rakuten Campaign: 8,000 Point Bonus
Rakuten is offering up to 8,000 points for new cardholders choosing the JCB brand. You must apply and complete three purchases during the promo period.
The deadline for this campaign is February 16 at 10:00 AM. You receive 2,000 points after registering and activating your card.
Another 3,000 points come after three eligible purchases. Choosing the JCB variant grants an extra 3,000-point bonus.
Point System and Usage
You earn 1 Rakuten Point per ¥100 spent on eligible transactions. Points can be used at convenience stores, restaurants, and retail shops like FamilyMart, SEIYU, Kura Sushi, and Mister Donut.
In the Rakuten ecosystem, you can spend points on TV, Books, Beauty, Travel, and more. Campaigns may increase the reward rate when using Rakuten Pay or shopping on Rakuten Market.
Premium cardholders unlock more redemption options. Each point equals ¥1 in value when used.
Managing Your Card with the App
Rakuten's mobile app lets you manage your account and spending easily. You can check your balance, monitor statements, and view billing schedules.
The app is free and available on both iOS and Android. It also includes alerts for payments and special offers.
Features include card locking, account updates, and campaign notifications. The app interface is available in English but optimized for Japanese.
Contact and Customer Support
If you need help with your application, Rakuten offers support in Japanese. Use the e-NAVI platform to manage your card and access FAQs.
You can also contact 0570-66-6910 from Japan or +81-92-474-6287 from abroad. Support is available Monday to Saturday from 9:30 AM to 5:30 PM.
Engaging Final Thoughts
The Rakuten Card is a practical choice if you're living in Japan and shop often both online and offline. The Rakuten credit card application is simple, and there are real benefits like bonus points and free apps.
You can tailor the experience with design choices and card types. If you're looking for reward flexibility and ease of use, Rakuten delivers.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Rakuten before applying or using the card.
