The Rakuten Credit Card is a popular choice in Japan, especially among online shoppers and users of the Rakuten ecosystem.
Known for its generous point rewards, no annual fee for the basic card, and a straightforward application process, it appeals to both Japanese nationals and foreign residents.
This guide will walk you through the application steps, card features, eligibility requirements, interest rates, and comparisons with other credit cards in Japan.
Key Features of the Rakuten Credit Card
The Rakuten Credit Card stands out for its integration with the Rakuten ecosystem, generous point rewards, and user-friendly application process
- No Annual Fee: The basic Rakuten Card comes with no annual fee, making it accessible for a wide range of users.
- Reward Points: Earn 1 Rakuten Super Point per 100 yen spent. Additional points can be earned when shopping on Rakuten Ichiba and other Rakuten services.
- Card Brands: Available in Visa, MasterCard, and JCB options.
- Integration: Seamlessly integrates with Rakuten Pay, Rakuten Bank, and other Rakuten services.
- Additional Benefits: Options to add electronic money functions like Rakuten Edy and access to Rakuten's e-NAVI online service for managing your card.
Managing Your Card with Rakuten e-NAVI
Rakuten e-NAVI is an online portal that allows you to:
- Track your balance and view statements.
- Manage and redeem Rakuten Points. Rakuten Group, Inc.
- Change payment methods and settings.Reddit
- Request card upgrades or replacements.
- Integrate with services like Rakuten Edy and iD.
- Access e-NAVI via PC or smartphone: Rakuten e-NAVI Portal (Japanese).

Step-by-Step: How to Apply Online
Begin by visiting the official Rakuten Credit Card application page. You must register as a Rakuten member or log in to your existing account.
Step 2: Fill in Personal Information
Provide accurate personal details, ensuring they match your identification documents:
- Full Name: Enter your name in kanji, hiragana, and Roman letters as it appears on your ID. Be mindful of character limits:
- Kanji: 10 characters per section
- Hiragana: 15 characters per section
- Roman letters: Varies by card brand (e.g., Visa: 19 characters)
- Date of Birth: Use the format YYYY/MM/DD.
- Address: Input your Japanese address in the correct order and ensure consistency between the kanji and hiragana fields.
- Phone Number: A valid Japanese mobile number is required.
- Email Address: This will be used for communication regarding your application.
Step 3: Provide Employment and Financial Details
Select your current employment status (e.g., employed, student). Include your company's name and contact number.
Provide an estimate of your yearly income.
Indicate your current bank balance to assess your financial stability.
Step 4: Identity Verification (KYC)
Upload clear images of your chosen ID. Ensure all details are legible and match the information provided in your application.
Step 5: Set Up Payment and Additional Features
While optional during the application, registering your bank account now allows for automatic monthly payments.
Ensure the name on the bank account matches your application. Choose a 4-digit PIN for your card. Memorize this code, as it's required for transactions.
Additional Options: ETC Card, for electronic toll payments (an annual fee applies). Rakuten Edy, a prepaid e-money feature that can be added to your card.
Step 6: Review and Submit Your Application
Before submitting, double-check all entered information for accuracy. Read and agree to Rakuten's terms.
After submission, you'll receive a confirmation email. The application process is typically completed online without the need for physical documents.
Step 7: Application Review and Card Delivery
Rakuten will assess your application. This usually takes 1–3 business days.
Upon approval, your card will be mailed to the address you have registered. Delivery typically occurs within one week.
Ensure you're available to receive the card, as identification may be required.
Step 8: Activate and Manage Your Card
Follow the instructions provided with your card to activate it.
Register for Rakuten's online portal to manage your card, view statements, and monitor points.
Interest Rates and Payment Options
Understanding the interest rates and payment options is crucial for managing your finances effectively.
A. One-Time Payment
- Interest: No interest is charged if the full balance is paid by the due date.
B. Installment Payments (分割払い)
- Interest Rates: Annual percentage rates (APR) range from 12.25% to 15.00%, depending on the number of installments.
- Fee-Free Option: Two-time installments are interest-free.Reddit
- Simulation Tool: Use Rakuten's Installment Payment Simulation to calculate fees and monthly payments.楽天カード
C. Revolving Payments (リボ払い)
- Interest Rate: 1.25% monthly interest on the remaining balance, equating to an APR of 15%.support.rakuten-card.jp
- Payment Structure: Pay a fixed amount each month, with the remaining balance carried over.
- Caution: While offering flexibility, revolving payments can lead to higher interest charges over time.
D. Cash Advances
- Interest Rate: 18% APR, calculated on a daily basis from the day of the advance until repayment.
- Usage: Available through ATMs and online via Rakuten e-NAVI.
- Fees: ATM usage may incur additional fees.
Contact Information for Rakuten Card Support
For assistance, Rakuten Card offers customer support in Japanese:
- Phone: 0570-66-6910 (Weekdays, 9:30–17:30 JST)
- Online Inquiry Form: Contact Rakuten Card
- Address: Rakuten Crimson House, 1-14-1 Tamagawa, Setagaya-ku, Tokyo
Note: If you are not proficient in Japanese, consider seeking assistance from a Japanese-speaking friend or using translation services when contacting support.

Comparison with Other Japanese Credit Cards
Consider:
Feature | Rakuten Credit Card | JCB CARD W | EPOS Card | MUJI Card |
---|---|---|---|---|
Annual Fee | Free | Free (online only) | Free | Free |
Rewards Rate | 1% base, higher on Rakuten | 1–2% base, up to 10% | ~0.5%, varies by use | MUJI point system |
Foreign Resident Friendly | Moderate | Low | High | Moderate |
Travel Perks | Limited | Basic | Travel insurance | None |
Brand | Visa / MasterCard / JCB | JCB only | Visa only | Visa only |
Ideal For | Rakuten users | Online shoppers (young) | Foreigners, travelers | MUJI brand fans |
Choose Rakuten Card if you’re deeply integrated into Rakuten’s ecosystem and shop online frequently.
Choose JCB CARD W if you’re under 40 and want strong Amazon Japan or Starbucks points.
Choose EPOS Card if you’re a traveler or foreign resident needing ease of approval and store discounts.
Choose MUJI Card if you regularly shop at MUJI and value store points.
Conclusion
The Rakuten Credit Card combines no annual fees, a robust point reward system, and seamless integration with Rakuten services.
However, it's essential to understand the associated interest rates, especially when opting for installment or revolving payments, to manage your finances effectively.
For those who frequently shop online or use Rakuten services, this card can be a valuable financial tool.
Disclaimer: This article is for informational purposes only. The terms, conditions, and interest rates of the Rakuten Credit Card may change without notice. Always refer to the official Rakuten website or contact customer support for the most accurate and current information.