Rakuten Credit Card: A Step-by-Step Tutorial to Easily Apply

Welcome to our guide on applying for the Rakuten Credit Card

We’ll walk you through the process step-by-step, highlighting key features and providing tips along the way. 

Applying for this card is quick and easy, so let’s get started!

Step 1: Visit the Rakuten Credit Card website

To begin your application for the Rakuten Credit Card, start by visiting the official Rakuten Credit Card website. 

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Here’s how you can access the application page:

  1. Open your web browser and go to the Rakuten website.
  2. Once on the homepage, look for the “Apply Now” or “Get Started” button.
  3. Click on the button to proceed to the application page.

After accessing the application page, you can then fill out the form with your personal and financial information to complete your application.

Rakuten Credit Card: A Step-by-Step Tutorial to Easily Apply

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Step 2: Understand the Card Features

The Rakuten Credit Card offers a range of features and benefits that make it a valuable choice for many consumers. 

Here are some key features and benefits of the Rakuten Credit Card:

  • Earn cash back on Rakuten purchases: Cardholders earn cash back on qualifying Rakuten.com or app purchases.
  • Extra cash back at select retailers: Earn more cash back at select retailers when shopping through Rakuten.
  • No annual fee: The Rakuten Credit Card has no annual fee.
  • Welcome bonus: New cardholders may qualify for a welcome bonus.
  • Special financing offers: May offer special financing on qualifying purchases.
  • Visa benefits: Includes Visa benefits like fraud protection.
  • Easy redemption: Cash back can be redeemed through Rakuten.com for gift cards or a statement credit.

Step 3: Check Eligibility Requirements

Before applying for the Rakuten Credit Card, it’s important to ensure you meet the eligibility criteria. 

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Here are the eligibility requirements for applying for the card:

  • You must be at least 18 years old.
  • You must have a valid Social Security number.
  • You must have a U.S. mailing address.
  • You must have a U.S. bank account.
  • You must have a good credit score.
  • You must meet the income requirements set by the card issuer.

Step 4: Fill Out the Application Form

It’s important to provide accurate and complete information when completing the application for the Rakuten Credit Card. 

Here’s a step-by-step guide to help you navigate the process smoothly:

  1. Enter your personal information, including your name, address, and contact details.
  2. Provide your financial information, such as your income and employment status.
  3. Review the form to ensure all information is accurate and complete.
  4. Submit the application form online.
  5. Wait for approval, which typically takes a few business days.
  6. Once approved, you will receive your Rakuten Credit Card in the mail.

Rakuten Credit Card: A Step-by-Step Tutorial to Easily Apply

Step 5: Submit the Application

After completing the Rakuten Credit Card application, the next step is to submit it for review. Here’s what you need to do:

  1. Review your application to ensure all information is accurate.
  2. Click on the “Submit” or “Send” button to submit your application.
  3. Wait for a confirmation message to appear on the screen, indicating that your application has been successfully submitted.
  4. Check your email for any additional instructions or documents that may be required for processing.

Step 6: Await Approval

After submitting your application for the Rakuten Credit Card, the next step is to await approval. Here’s what you can expect during this process:

  1. Processing time: Approval typically takes a few business days.
  2. Communication: You may receive email notifications regarding the status of your application.
  3. Follow-up: If additional information is needed, you may be contacted by the card issuer.

Card Charges

Before applying for the Rakuten Credit Card, it’s important to understand the fees associated with the card. Here is a list of the card fees:

  • Annual fee: Some cards charge an annual fee ranging from ¥0 to several hundred.
  • Foreign transaction fee: This fee is around 3% of the transaction amount in yen.
  • Late payment fee: Charged if you miss the due date, varying by issuer.
  • Overlimit fee: Around ¥2,500 to ¥3,500 if you exceed your credit limit.
  • Cash advance fee: A percentage of the amount withdrawn, with a minimum fee of ¥500 to ¥1,000.
  • Balance transfer fee: A percentage of the amount transferred, with a minimum fee of ¥500 to ¥1,000.

Rakuten Credit Card: A Step-by-Step Tutorial to Easily Apply

Tips for Applying and Getting Approved

When applying for the Rakuten Credit Card, there are several tips you can follow to increase your chances of approval. 

Here are some tips for applying and getting approved for the Rakuten Credit Card:

  • Check your credit score: Make sure your credit score meets the card issuer’s requirements before applying.
  • Review your credit report: Check for any errors on your credit report and address them before applying.
  • Pay down debt: Lowering your debt-to-income ratio can improve your chances of approval.
  • Avoid multiple applications: Submitting multiple credit card applications can lower your credit score and hurt your chances of approval.
  • Consider a secured credit card: If you have a limited credit history or poor credit, a secured credit card may be easier to qualify for.
  • Include all required information: Fill out the application completely and accurately to avoid delays in processing.

Rakuten Credit Card vs. Rakuten Cash Back Visa: Which is right for you?

When choosing between the Rakuten Credit Card and the Rakuten Cash Back Visa, consider your spending habits and financial goals. 

Here’s a comparison:

  • Rewards: Rakuten Credit Card offers cash back on Rakuten.com, while Rakuten Cash Back Visa offers cash back on all purchases.
  • Annual fee: Rakuten Credit Card has no annual fee, while Rakuten Cash Back Visa may have a fee.
  • Perks: Rakuten Credit Card may offer special financing, while Rakuten Cash Back Visa may offer travel insurance.
  • Redemption: Rakuten Credit Card cashback is redeemed through Rakuten.com, while Rakuten Cash Back Visa offers statement credit.
  • Foreign transaction fees: Rakuten Credit Card has no foreign fees, while Rakuten Cash Back Visa may charge fees.

The right card depends on your needs. If you shop often on Rakuten.com, the Rakuten Credit Card may be best. 

If you want more reward flexibility, the Rakuten Cash Back Visa may be better.

Contact Details

For inquiries or assistance, you can contact Rakuten’s corporate office in Japan. Here is their contact information:

  • Phone number: 050-5581-6910
  • Address: Rakuten Group, Inc., Rakuten Crimson House, 1-14-1 Tamagawa, Setagaya-ku, Tokyo 158-0094, Japan

The Bottomline

the Rakuten Credit Card offers a range of benefits and features that make it a valuable choice for many consumers. 

This card offers flexibility and rewards, including cash back on Rakuten.com purchases, special financing offers, and no annual fee.

Understanding the fees and comparing them to other options can help you decide if the Rakuten Credit Card is right for you.

Disclaimer

The information provided is for general informational purposes only and should not be considered financial advice. 

Please consult with a financial advisor or the card issuer for specific details regarding the Rakuten Credit Card.