Easy Steps To Apply For A Rakuten Credit Card: Your Complete Guide 2024

Methods To Apply For Rakuten Credit Card

Dreaming of maximizing your points game and unlocking exclusive rewards? Look no further than the Rakuten Credit Card, a powerful tool for savvy shoppers and travel enthusiasts alike. This comprehensive guide takes you through the methods to apply for a Rakuten credit card, from choosing the perfect card to submitting your application with confidence.

Embrace the Rakuten Rewards:

Rakuten, the Japanese e-commerce giant, empowers its credit cardholders with a unique rewards system. You earn Rakuten Points on everyday purchases, which you can redeem for exciting options like cash back, travel miles, or merchandise from Rakuten Market. Plus, enjoy benefits like purchase protection, travel insurance, and exclusive discounts, making the Rakuten card a smart financial companion.

Dreaming of maximizing your points game and unlocking exclusive rewards? Look no further than the Rakuten Credit Card, a powerful tool for savvy shoppers and travel enthusiasts alike.

Unlocking Your Perfect Match:

Rakuten offers a diverse range of credit cards, each catering to specific needs and spending habits. Explore the popular options:

Rakuten Rewards Visa® Card:

Earn 1 point per dollar spent at Rakuten Market and 1 point for every $1 spent anywhere else. Enjoy a $0 annual fee and a welcome bonus of up to 5,000 points.

Rakuten Rewards Visa® Signature Card:

Elevate your rewards with 2 points per dollar spent at Rakuten Market and travel & transit, and 1 point on all other purchases. This premium card boasts travel insurance benefits and a higher welcome bonus (up to 8,000 points) with a $95 annual fee.

Rakuten Preferred Rewards Visa® Card:

This card caters to frequent travelers, offering 3 points per dollar spent on travel & transit and 1 point on all other purchases. Enjoy complimentary airport lounge access with a $95 annual fee.

Dreaming of maximizing your points game and unlocking exclusive rewards? Look no further than the Rakuten credit card, a powerful tool for savvy shoppers...

Do You Qualify?

Before embarking on your journey for a Rakuten Credit Card, ensure you meet the eligibility criteria:

Age:

You must be at least 18 years old or older.

Income:

A stable income sufficient to meet credit card obligations is required.

Credit Score:

Minimum credit score requirements vary depending on the card you choose. Generally, a fair credit score (640-670) increases your approval chances.

[Also Read: Amex Gold vs Chase Sapphire Preferred: Which Card Wins?]

Gather Your Arsenal:

To streamline the application process, have these documents ready:

Government-issued ID:

Driver’s license or passport.

Proof of income:

Pay stubs (Pay Slips) or tax returns.

Proof of address:

Utility bills or bank statements.

Social Security Number (optional):

Can expedite the verification process.

Conquer the Rakuten Credit Card Apply Online:

Rakuten Credit Card Application: Online Application is fast and convenient

Rakuten Credit Card Online Application: Visit the Rakuten website

Select the desired card and click “Apply Now.”

Review and agree to the terms:

Carefully read the terms and conditions before agreeing.

Enter personal information:

Fill out the online form with accurate details.

Employment details:

Provide data about your current employment.

Review and submit:

Double-check all the information you have filled in before submitting your application.

In-Person Option (if available):

Some regions offer in-person applications through Rakuten branches or partner institutions. Contact Rakuten customer service for details.

Boost Your Approval Odds:

Verify information:

Ensure all details are accurate and consistent across documents.

Review credit report:

Address any errors or outstanding debts before applying.

Limit recent applications:

Avoid applying for multiple credit cards in a short period.

Meet income requirements:

Demonstrate sufficient income to cover potential card expenses.

Track Your Application:

Rakuten will notify you about your application status via email or phone call within 7-10 business days. You can also check the status online by logging into your Rakuten account (if you created one during the application).

Frequently Asked Questions:

What are the fees associated with Rakuten credit cards?

Fees vary depending on the card. Check the specific card details on the Rakuten website.

When will I receive my card after approval?

You should receive your card within 7-10 business days of approval.

Can I apply for a Rakuten credit card if I’m not a U.S. citizen?

Unfortunately, Rakuten credit cards are currently only available to U.S. citizens or permanent residents.

How to use Rakuten Points?

Let’s dive into the world of Rakuten Points! These rewards are like little treasures you collect when you use Rakuten’s services, including their fantastic Rakuten Card.

Now, how do you get these points? It’s simple! Every time you shop at Rakuten’s online retailers or use the Rakuten Card, you’re earning points.

Participating in the Super Points Up (SUP) program is another great way to boost your points. The best part? For every 100 yen that you spend, you receive 1 point. That’s a 1% redemption rate!

Once you’ve got these points, you might wonder, “How do I use them?” Well, it’s as easy as pie. When you’re checking out after a shopping spree, just decide how many points you want to use. Each point is equivalent to 1 JPY, so you can calculate how much you’ll save. The minimum you can use is 1 point per order, and the maximum is 100,000 points per month.

But wait, there’s more! You can even use your points on Rakuten TV. Want to rent or buy a movie or TV series? Just head over to the Rakuten TV website, find what you want to watch, select your preferred option, click the “Watch it now” button, choose the quality, and check the final price.

Remember, points can expire, so keep an eye on them and use them before they’re gone. Happy shopping with Rakuten! 😊

How to use Rakuten in store?

Let’s explore the world of Rakuten’s in-store shopping experience!

First things first, you’ll need to connect a credit or debit card to your Rakuten account. You can use Visa, Mastercard, or American Express cards for this.
Once your card is linked, it’s time to add some in-store offers to your card.

These offers are typically valid for 45 days, and you need to add them before you shop.

Now comes the fun part – shopping! Just remember, in-store Cash Back is only for purchases made at the physical store. Online orders picked up in-store don’t count.

When you’ve filled your shopping cart and are ready to pay, use your linked card. If you’re using a debit card, run it as credit to earn Cash Back.

After your shopping trip, remember to re-add the offers. Each offer is valid for one purchase only.

And voila! Your Cash Back will be added to your account once the store confirms your purchase.

Rest assured, your credit card information is stored securely in an encrypted environment.

So, gear up for a rewarding shopping experience with Rakuten. Happy shopping! 😊

How to get Rakuten cashback after purchase?

Let’s delve into the exciting world of Rakuten’s cashback system!
Kickstart your shopping spree by heading over to Rakuten. You can use their website, mobile app, or even their handy browser extension.

Before you dive into shopping, remember to activate your Cash Back. This ensures that Rakuten keeps track of your eligible purchases and rewards you accordingly.

Now, shop to your heart’s content! Once you’ve made a purchase that qualifies, Rakuten will add Cash Back to your account.

After the store confirms your purchase, Rakuten will credit the Cash Back to your account. They’ll also send you a notification via email or push notification.

The confirmation time varies based on factors like the store’s policy, reporting schedule, exclusions, and returns.

You can always check the status of your Cash Back by visiting the “My Account” section on Rakuten.

Rakuten sends out your first payment as soon as 15 days after your first purchase. After that, you’ll receive your Cash Back every three months. If there’s any pending Cash Back, it’ll roll over to your next payment.

Remember, to earn Cash Back, you need to start your shopping journey at Rakuten. If you forget, Rakuten’s Cash Back Button can be a handy tool to remind you.

So, gear up for a rewarding shopping experience with Rakuten. Happy shopping and earning! 😊

Is Rakuten safe?

Rakuten is indeed a safe and trustworthy platform. It’s a seasoned player in the market, boasting affiliations with a whopping 2,500+ stores.

Rakuten proudly holds a certification from the Payment Card Industry Security Standards Council (PCI), which is a testament to its high-security standards.

The Better Business Bureau has given Rakuten an A+ rating, and it has garnered positive reviews from customers. You don’t need to provide any payment information to use Rakuten’s services, which is a plus. All you require is an active email account address to sign up.

As with any online service, it’s wise to use strong, unique passwords and stay vigilant against phishing attempts. Enjoy your shopping experience with Rakuten! 😊

What was Rakuten called before?

Let’s take a trip down memory lane with Rakuten. The company was initially established as MDM, Inc. by Hiroshi Mikitani on a fine day in February 1997.

Just a few months later, in May, the online marketplace known as Rakuten Shopping Mall was launched.

Fast forward to June 1999, the company underwent a name change and became what we know today as Rakuten. The name “Rakuten” is a Japanese word that translates to “optimism”.

From its humble beginnings with a team of just six employees and 13 merchants, Rakuten has blossomed into a global brand. Quite an inspiring journey, isn’t it? 😊

Rakuten coupons?

Rakuten is a treasure trove of savings, offering a plethora of coupons, promo codes, and discounts. Here’s how you can unearth these treasures:

First stop, the Rakuten website or app. Look for the section titled “Coupons, Promo Codes & Daily Deals”. This is where you’ll find a daily buffet of coupons for a wide array of products and services.

If you’re using the Rakuten browser extension, it’s like having a personal coupon assistant. It automatically hunts down and applies the best coupons for you.

Want personalized deals delivered straight to your inbox? Sign up for Rakuten’s email newsletters. It’s like getting a surprise gift every time you open your email!

Don’t forget to check out third-party websites like Offers.com and DealDrop. They often feature Rakuten coupons and promo codes.

And here’s the cherry on top – when you use a Rakuten coupon or promo code, you also earn Cash Back on your purchases. So, you’re not just saving money with the discount, you’re also getting some of it back. Now, that’s what I call a win-win! 😊

Rakuten cashback?

Let’s dive into the rewarding world of Rakuten’s Cash Back program!
First off, you’ll need to join the Rakuten family by signing up for a free account. Once you’re in, your shopping adventure begins on Rakuten.com, their mobile app, or via their browser extension.

As you shop and make purchases through Rakuten, you’re also earning! A percentage of your total spend comes back to you as Cash Back. The rate of Cash Back varies, depending on the retailer and the product category.

After you’ve made your purchase, Rakuten adds the Cash Back to your account once the store confirms your purchase. They’ll also send you a notification via email or push notification. The confirmation time can vary based on factors like the store’s policy, reporting schedule, exclusions, and returns.

Rakuten sends out your first payment as soon as 15 days after your first purchase. After that, you’ll receive your Cash Back every three months. If there’s any pending Cash Back, it’ll roll over to your next payment.

Remember, to earn Cash Back, your shopping journey needs to start at Rakuten. If you forget, Rakuten’s Cash Back Button can be a handy reminder.
So, gear up for a shopping experience that not only saves you money but also earns you money! Happy shopping with Rakuten! 😊

How does Rakuten make money?

Let’s unravel the mystery of Rakuten’s revenue streams!

At the core of Rakuten’s income generation is its affiliate marketing program. They’ve teamed up with a staggering number of retailers, over 2,500 to be precise, including giants like Amazon, Best Buy, and Walmart. When you shop via Rakuten and buy something from these partners, Rakuten gets a commission. This commission is usually based on a pay-per-click or pay-per-sale model.

But that’s not all! Rakuten shares a slice of these commissions with you, the customer, through their cashback program. So, when you make a purchase via Rakuten, you get a percentage of your spending back as cashback. The cashback rates can vary, depending on the retailer and the product category.

Rakuten also runs its own online marketplace where sellers can list and sell their products directly to you, the consumer. For this service, Rakuten charges the sellers fees or commissions, adding to their revenue pool.

Beyond these core revenue streams, Rakuten has spread its wings into various sectors like e-commerce, payments, fintech, securities, and banking. These ventures help Rakuten earn revenue from sources beyond just affiliate commissions.

So, every time you shop through Rakuten, you’re not only saving money but also helping Rakuten earn. Quite a win-win, isn’t it? 😊

Is there a Rakuten Credit Card?

Indeed, Rakuten does offer a credit card. This card is administered by Synchrony Bank. One of the notable features of this card is the 3% bonus it provides on purchases made via the Rakuten shopping portal. The rewards earned can be redeemed either as cash or as American Express Membership Rewards.

In the Japanese market, Rakuten provides a range of credit cards. These include the widely used Rakuten Card, Rakuten PINK Card, and Rakuten Gold Card, among others. These cards come with a variety of advantages such as zero annual fees and the ability to accumulate points.

However, it’s important to note that the availability and benefits of these cards can differ based on the region and the terms of service. For the most current and accurate information, it is recommended to visit the official Rakuten website or get in touch with their customer service.

Is it hard to get a Rakuten Credit Card?

Acquiring a Rakuten Credit Card can be influenced by various factors such as your age, income, and credit score. Here are some general prerequisites:

Age:

Applicants need to be at least 18 years of age.

Income:

A consistent income that can cover Rakuten credit card obligations is necessary.

Credit Score:

The credit score requirements can differ based on the specific card. However, having a fair credit score (ranging from 640 to 670) can enhance your chances of approval.

For the application process, it’s advisable to have certain documents ready. These include a government-issued ID, proof of income, proof of address, and possibly your Social Security Number.

Rakuten Credit Card Application:

The Rakuten Credit Card application can be filled out online. Post submission, a confirmation call from Rakuten can be expected within two to three business days.

These are broad guidelines and the exact prerequisites may vary. For the most precise and current information, it’s recommended to visit the official Rakuten website or reach out to their customer service.

How long does Rakuten Credit Card take to process?

The duration for the processing of a Rakuten Credit Card can differ. Once your online application is submitted, a confirmation call from Rakuten is typically expected within a span of two to three business days. However, this is a general estimate and actual timelines may vary based on several factors. For the most up-to-date and accurate information, it is advisable to consult with Rakuten’s official customer service.

What are the benefits of Rakuten Bank?

Rakuten Bank, a digital banking platform, offers a host of benefits to its customers. These include:

Ease of Access:

Being a digital bank, Rakuten Bank provides services to a wide range of customers, including individuals, corporations, and sole proprietor businesses. The services can be accessed anytime, anywhere through a smartphone.

Happy Program:

This customer loyalty program rewards Rakuten Points for specific transactions. It also offers waivers on ATM fees up to seven times a month and bank transfer fees up to three times a month.

Money Bridge Service:

This unique service provides preferential interest rates on ordinary deposit accounts, which are significantly higher than those offered by other major banks. This benefit is available when customers link their Rakuten Bank account with their Rakuten Securities account.

Fintech Business Integration:

Rakuten Group is planning to integrate its fintech businesses into a single group. This move aims to enhance collaboration and customer acquisition across various areas, including online banking, credit cards, securities, and insurance.

Please note that these benefits are general in nature and the exact offerings may vary. For the most accurate and current information, it is recommended to visit the official Rakuten Bank website or contact their customer service.

Embrace the Journey:

With this comprehensive guide, you’re well-equipped to embark on your Rakuten credit card application journey. Choose the card that aligns with your spending habits, ensure you meet eligibility criteria, gather the necessary documents, and confidently submit your application. Maximize your rewards, unlock exclusive benefits, and embrace the financial empowerment that comes with the Rakuten credit card!

Additional Sources:

Rakuten Credit Card

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