Are you ready to take advantage of the benefits of a Rakuten credit card? In this guide, we will show you how to apply.
You will discover the benefits, the application process, and how to manage it effectively.
What is Rakuten and What Credit Cards Does It Offer?
Rakuten is a Japanese e-commerce and Internet services company.
It is known for its online shopping website and for offering a variety of services such as cashback, credit cards, travel, and more.
It has expanded globally and has become a recognized brand in the world of e-commerce and finance.
It offers several credit cards tailored to different needs and lifestyles:
- Rakuten Card: The standard card, ideal for those looking to earn points on their online and in-store purchases.
- Rakuten Gold Card: A premium version that offers greater benefits and rewards compared to the standard card, such as travel assistance services and travel insurance.
- Rakuten Premium Card: The highest level card, offering exclusive benefits and a higher percentage of point accumulation.
- Rakuten Bancaria Card: A debit card that is directly linked to your Rakuten bank account, making transactions and financial management easier.
- Rakuten ANA Mileage Club Card: A credit card that allows you to accumulate ANA (All Nippon Airways) miles in addition to Rakuten points.
- Rakuten Academic Card: Designed for students, it offers benefits and discounts on educational materials and other products.
- Rakuten Alpen Group Card: A credit card that offers discounts and advantages at Alpen Group stores, specializing in sports and leisure items.
What are the Benefits of Rakuten Credit Cards?
The benefits of these credit cards include:
- Rakuten Points: Earn 1 point for every 100 yen spent on purchases. With the Gold card, you get double points on Rakuten Market. The Premium card offers additional points on services like Rakuten Travel, Rakuten TV, and Rakuten Books.
- Point Bonuses: You can receive additional points through Rakuten e-NAVI when you receive your card, for your first purchase, and for limited-time spending.
- Customizable Designs: Choose from a variety of designs to personalize the look of your card.
- Card Versions: Cards are available on major credit card networks such as Visa, Mastercard, JCB, and American Express.
- Cashback on R Pay: With some cards, you can earn up to 1.5% cashback when using R Pay for your payments.
- Installment Payments: This option allows you to split the cost of a large purchase into smaller, manageable payments over a set period.
- Revolving Payment: Also known as revolving credit, it is a form of credit where balances and payments are updated monthly. You can choose to pay the required minimum, a higher amount, or the full balance.
- Cash Advances: Some credit cards allow you to withdraw cash up to a certain limit.
Apply for Rakuten Card
Rakuten credit cards can be easily linked to the Rakuten Card app.
Simply download the app on your mobile device and follow these steps:
- Log in: Sign in with your Rakuten account or create a new one if you don't have one yet.
- Register your card: Select the option to add a card and follow the instructions to enter your credit card details.
- Verification: The app may request additional verification to ensure the security of your account and card.
- Done: Once registered, you can view your points balance, track your expenses, pay your card bill, and enjoy other exclusive features and offers.
The app allows you to manage your card conveniently, access promotions, and efficiently keep track of your finances.
How to Apply for a Rakuten Credit Card?
Applying for a Rakuten card is a straightforward process. Here's how you can do it:
- Visit the website: Go to the official Rakuten website and look for the credit card section.
- Identification: Select the option to apply for a card. If you are already a Rakuten member, log in with your member ID.
- Application: If you are not a member, you will need to fill out a form with the following details:
- Card type and brand: Choose the card you wish to apply for (standard, Gold, Premium, etc.) and its brand (Visa, Mastercard, JCB, American Express).
- Personal information: Name, date of birth, gender, and identification number.
- Contact information: Email address and phone number.
- Residential information: Address, type of residence, length of residence, and rental or mortgage status.
- Employment details: Job, position, income, and length of employment.
- Savings amount: Indicate your current savings.
- Intended use: Select the reasons for using the card, such as loans or Rakuten Edy.
- Payment account: Bank account information for card payments.
- PIN: Choose a PIN number for your card.
- Submit the application: Once the form is completed, review the terms and conditions and submit your application.
- Wait for approval: Your application will be evaluated, and you will be notified about the approval of your card.
Interests
Rakuten credit cards offer a competitive spending and interest structure:
- Annual fee: Most Rakuten cards have no annual fee. However, the Gold Card has an annual fee of 2,200 yen, while the Premium Card has an annual fee of 11,000 yen.
- Interest rates: Interest rates can vary depending on the card and usage. Generally, interest rates can go up to 24.48% annually, depending on the outstanding balance and payment conditions.
Contact
Address: 1-14-1 Tamagawa, Setagaya-ku, Tokyo
Phone: 0570-66-6910
Conclusion
Applying for a Rakuten credit card can be a great option if you are looking to accumulate points and enjoy rewards on your purchases.
With a variety of cards available, you can choose the one that best suits your needs and lifestyle.
If you are a frequent shopper or looking for specific benefits, this could be a great addition to your wallet.
Disclaimer: There are risks involved in applying for and using credit products. Be sure to check the bank's terms and conditions page before accepting anything.
