The Rakuten Credit Card is one of Japan’s most popular credit cards, known for its generous point rewards and seamless integration with the Rakuten ecosystem.
For frequent online shoppers, residents seeking a reliable payment option, or individuals looking to build credit in Japan, this card can be a wise choice.
This guide will help you understand how to apply, what to expect during the process, and how to maximize its benefits.
Rakuten: A Brief History
Rakuten Group, Inc. is one of Japan’s largest and most influential e-commerce and tech companies.
Founded in February 1997 by Hiroshi Mikitani, Rakuten began as an online marketplace called Rakuten Ichiba, with just six employees.
Rakuten serves over 1.6 billion members globally and is one of the few Japanese companies with a large international presence.
What Is the Rakuten Credit Card?
The Rakuten Credit Card is issued by Rakuten Card Co., Ltd., part of the larger Rakuten Group.
It operates as a major loyalty and payment tool for Rakuten users, offering Rakuten Points with every purchase.
It’s widely accepted across Japan and compatible with contactless payments like Rakuten Pay, QUICPay, and Edy.
There are several types of Rakuten cards, including:
- Rakuten Card (basic)
- Rakuten PINK Card (customizable design and optional services)
- Rakuten Gold Card
- Rakuten Premium Card
- Rakuten ANA Mileage Club Card
Most users start with the basic Rakuten Card, which has no annual fee and offers robust features.
Main Features and Benefits
Applying for a Rakuten Card can unlock valuable rewards and convenience, like free overseas travel insurance (for some card types)
You get a reward rate (1 Rakuten Point per ¥100 spent), and up to 3–5x points when shopping on Rakuten Ichiba.
The cards are compatible with Rakuten Pay and smartphone apps.
You also receive a sign-up bonus in the form of Rakuten Points after completing the application and first use conditions.
Interest Rates and Fees
While the basic card is free, it’s important to understand the potential costs:
- Purchase interest rate: 15.00%
- Cash advance interest rate: 18.00%
- Late payment penalty: ~20.00%
- Foreign currency transaction fee: ~1.63%
- Installment options: Available (3, 6, 12, 24, 36 months)
You can avoid interest charges entirely by paying off your balance in full each month.
Step-by-Step Application Process
To apply for the Rakuten Credit Card, you must hold a valid form of ID (Japanese ID or residence card).
Foreigners must have a medium- to long-term visa and may be required to show proof of employment or income.
Rakuten accepts applications from students, part-time workers, and non-Japanese residents, though approval depends on credit and financial background.
Applying for the Rakuten Card can be completed entirely online and typically takes just 5–10 minutes.
Step 1: Access the Official Site
Visit the Rakuten Card application page: https://www.rakuten-card.co.jp
Click on “カードを申し込む” (Apply for card) and select the card type (basic, gold, pink, etc.).
Step 2: Fill in Personal Information
You will be asked to enter:
- Full name in kanji and katakana
- Date of birth
- Gender
- Phone number and email address
- Current address (in Japanese)
- Marital status and residence type (rent/own)
Step 3: Enter Employment and Income Details
Input your:
- Employer name
- Annual income
- Length of employment
- Occupation and company phone
- Students or part-time workers can enter school or part-time job information instead.
Step 4: Choose Card Design and Payment Options
You can:
- Select your card design (standard, character design, pink card, etc.)
- Choose a payment method: bank account, auto-debit or convenience store payment
- Opt-in for Rakuten Edy (electronic money)
Step 5: Agree to Terms and Submit
Check the boxes agreeing to the terms and privacy policy. Click the final confirmation to submit.
What Happens After You Apply
After submitting, you will receive a notice that your application is under review.
In some cases, Rakuten may request copies of ID or contact you by phone. Screening time usually takes 1–3 business days.
If approved, your card will be mailed within 5–7 business days
Foreign residents may experience slightly longer screening due to additional document checks.
Tips to Improve Your Approval Odds
If you’re a foreign resident or first-time applicant in Japan, here are ways to strengthen your chances:
Ensure your residence card and address are up to date, and use kanji where possible when entering your name and address
Provide stable employment and income information, and link a Japanese bank account for auto-debit
Apply for the standard Rakuten Card (easier to get than Gold or Premium). Avoid multiple applications in a short period, as that can affect your credit profile.
Rakuten Credit Card vs. Competitor Cards
To help you decide, here's a comparison with other popular credit cards in Japan:
| Feature | Rakuten Card | EPOS Card | AEON Card |
|---|---|---|---|
| Annual Fee | Free | Free | Free |
| Point System | Rakuten Points (1–5%) | EPOS Points (0.5–1%) | WAON Points (0.5–1%) |
| Ideal For | Rakuten users | Shoppers & travelers | AEON Mall shoppers |
| Overseas Travel Insurance | Yes | Yes | Limited |
| Foreign-Friendly Application | Yes | Limited | Limited |
| Online Application in English | Yes | No | No |
The Rakuten Card stands out for its rewards flexibility and ease of access, especially for foreign residents.
Contact Information and Bank Address
For questions or assistance, you can contact Rakuten Card directly:
- Customer Service (English available): 0570-66-6910
- Business hours: 9:30 AM – 5:30 PM (Weekdays only)
- Website: https://www.rakuten-card.co.jp
- Head Office Address: Rakuten Card Co., Ltd. 1-14-1 Tamagawa, Setagaya-ku, Tokyo 158-0094, Japan
There is multilingual customer support and an English-language site for foreigners.
Conclusion
The Rakuten Credit Card is an accessible, point-rich, and user-friendly option for residents of Japan, particularly those who already use Rakuten services.
With a quick online application and no annual fee, it’s ideal for beginners and savvy spenders alike.
Don’t miss out on the chance to earn points with every purchase—apply today and start enjoying exclusive Rakuten rewards.
Disclaimer: This article provides general guidance based on publicly available information from Rakuten Card Co., Ltd. Terms, conditions, and features may vary or change. Always consult the official Rakuten Card website for the most current details before applying.
