We will explain which Rakuten card you should choose and why. In addition, we will introduce the features of each card, points to note when using them, and a comparison of the point return rate with other companies' cards. Please refer to those who are considering credit cards from now on.
Why is the Rakuten card so popular?
Rakuten Card has won first place in the credit card industry for an amazing 13 years in a row in customer satisfaction surveys. Another reason for its popularity is that it has a rewarding point system that is unique to Rakuten users.
Rakuten Card boasts high customer satisfaction and over 24 million cards issued, making it a credit card used by many users. We will introduce you to the benefits of the Rakuten Card, which can be said to be the reason why it has been supported by users for 13 years in a row.
Rakuten Card has been ranked No. 1 in customer satisfaction for 13 consecutive years in the credit card industry in one of Japan's largest customer satisfaction surveys. Furthermore, in 2021, it is also ranked first in terms of “cost performance” and “future reuse intention”.
The number of Rakuten cards issued exceeded 24 million as of October 2021, and the annual credit shopping transaction volume in fiscal 2020 reached 11.6 trillion yen.It is supported and used by many users. You can see that there are
As of January 2022, 25 types of Rakuten cards (including different designs) have been issued. There are only 4 types of "Rakuten ANA Mileage Club Card". All others are free of annual membership fees.
For those who need a credit card that can be used easily and earn points easily, rather than a card with a full range of services, the free annual fee is a great thing.
Rakuten cards usually have a high point return rate of 1.0%. In addition to regular points, there are various points that can be earned by using a credit card, such as special campaigns. However, for those who want to earn a lot of points by using credit cards on a regular basis, the 1.0% point is usually a big advantage.
Another advantage of the Rakuten Card is that there are many "discount shops" that give more points than regular points. This can be used in the "Rakuten Card Point Plus" service, and if you use the card after making an entry from the list of preferential stores, you can earn more points than normal points.
If you pay with Rakuten Card using Rakuten Pay or Rakuten Edy, you can earn points for each payment. 1.0% of the payment amount will be awarded to Rakuten Card, and up to 1.5% will be awarded for Rakuten Pay and up to 1.0% for Rakuten Edy (when charged from Rakuten Card).
You can easily pay with your smartphone by downloading the Rakuten Pay app. Rakuten Edy creates a card, charges it, and then uses it for payment.
There are various types of Rakuten cards, but what is the difference between them?
The annual membership fee, point redemption rate, available amount and corresponding international brands are different. In addition, the Rakuten card comes with services and insurance, but the contents differ depending on the card. Cards with high annual fees offer a wide range of services.
It is a good idea to choose the service content that suits you, depending on how you use your Rakuten card. Here we compare the characteristics of 11 different cards. * The contents of the campaign in the text are as of February 22, 2022.
| Rakuten Card | Rakuten Gold Card | Rakuten Premium Card | Rakuten PINK Card | Rakuten Bank Card | Rakuten ANA Mileage Club Card | Rakuten Card Academy | Alpen Group Rakuten Card | >Rakuten Card Michinoku Bank Design | Rakuten Card Japan Post Bank Design | Rakuten Black Card | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Annual fee | Free forever | 2,200 yen (tax included) | 11,000 yen (tax included) | Free forever | Free forever | >550 yen (tax included) *Free for the first year | Forever free | Forever free | Forever free | Forever free< /td> | 33,000 yen (tax included) |
| Point return rate | 1.0~3.0% | 1.0~ 4.0% | 1.0-5.0% | 1.0-3.0% | 1.0-3.0% | 1.0-3.0% | 1.0-3.0% | 1.0-3.0% | 1.0-3.0% | 1.0-3.0% | 1.0-5.0 % |
| International brand | VISA/Mastercard/JCB/AMERICAN EXPRESS | VISA/Mastercard/JCB | VISA/Mastercard/JCB/AMERICAN EXPRESS | VISA/Mastercard/JCB/AMERICAN EXPRESS | JCB | VISA/Mastercard/JCB | VISA/JCB | Mastercard | Mastercard | VISA/Mastercard | VISA/Mastercard/JCB/AMERICAN EXPRESS | < /tr>
| Additional card | ETC card/Family card | ETC card/Family card | ETC card/Family card | ETC card/family card | ETC card | ETC card/family card | ETC card | ETC card/family card | CardETC Card/Family Card | ETC Card/Family Card | ETC Card/Family Card |
| Additional features | Rakuten Point/Rakuten Edy | Rakuten Point/Rakuten Edy | Rakuten Point/Rakuten Edy | Rakuten Point/Rakuten Edy | Cash card function | Rakuten Point/Rakuten Edy | Rakuten Point/Rakuten Edy *No cash advance function | Rakuten Point/ Rakuten Edy | Rakuten Point/Rakuten Edy | Rakuten Point/Rakuten Edy | Rakuten Point/Rakuten Edy |
* Created by the author based on Rakuten Card official website (as of February 22, 2022)
(Image = quoted from Rakuten Card)| Annual fee | Free forever |
|---|---|
| Available amount | - |
| Point redemption rate | 1.0~3.0% |
| SPU points Magnification | +2x |
| International brand | VISA/Mastercard/JCB/AMERICAN EXPRESS |
| Card Design | 11 Types |
| Additional Card | ETC Card/Family Card | < /tr>
| Additional features | Rakuten Points/Rakuten Edy |
| Services/Insurance | Overseas travel disability Insurance (up to 20 million yen) *with use |
Source: Rakuten Card
This is a basic credit card that you can easily use with no annual fee. You can choose your favorite card from 11 different designs, and if you already have a card, you can change the design.
Points earned by using the card can be used at stores with the Rakuten mark, and can also be used for monthly payments. In terms of security measures to ensure that you can use our services with peace of mind, we have a full range of fraud detection systems and personal authentication services.
Since it is the most popular standard card, it is also recommended for credit card beginners. It also comes with the same functions and features as other cards, such as a high point redemption rate and overseas travel insurance. It is also attractive that new members can earn 5,000 points.
Click here to apply for Rakuten Card (Image = quoted from Rakuten Gold Card)| Annual fee | 2,200 yen (tax included) |
|---|---|
| Available amount | - |
| Point redemption rate | 1.0~4.0% | < /tr>
| SPU Point Multiplier | +2x |
| International Brands | VISA/Mastercard/JCB |
| Card design | 1 type |
| Additional card | ETC card /Family Card |
| Additional Functions | Rakuten Points/Rakuten Edy |
| Services and Insurance th> | Overseas travel disability insurance (maximum 20 million yen) *Includes use/Use of international and domestic airport lounges/Free use of travel desk |
Source: Rakuten Gold Card
Rakuten Gold Card is one rank higher than Rakuten Card. Benefits include free access to domestic and some international airport lounges up to twice a year, as well as free use of the travel desk. ETC cards can also be used with no annual fee.
A card with a function that allows you to automatically pay the toll at the toll gate when entering the expressway without stopping the payment at the window.
It is also attractive that you can earn 7,000 points by joining and using. There are also services such as giving 1x points as a birthday month service, and receiving a discount coupon of 2,000 yen that can be used at Rakuten Travel.
Rakuten Gold Card allows you to use domestic airport lounges for free up to twice a year, so it is recommended for those who want to enjoy domestic travel. You can spend a relaxing time on the sofa in the lounge, where drinks and snacks are also available. You will be satisfied because you can spend a special time.
Click here to apply for Rakuten Gold Card (Image = quoted from Rakuten Premium Card)| Annual fee | 11,000 yen (tax included) | < /tr>
|---|---|
| Available amount | - |
| Point redemption rate | 1.0~5.0% |
| SPU Points Multiplier | +4x |
| International Brands | VISA/ Mastercard/JCB/AMERICAN EXPRESS |
| Card design | 1 type |
| Additional card | >ETC Card/Family Card |
| Additional Features | Rakuten Point/Rakuten Edy |
| Services/Insurance | Overseas travel accident insurance (maximum 50 million yen) *automatic incidental 40 million yen, usage incidental 10 million yen/domestic travel accident insurance (maximum 50 million yen) *automatic incidental/comprehensive property Insurance (up to 3 million yen)/Use of overseas/domestic airport lounges/Three types of preferential services |
Source: Rakuten Premium Card
This card offers extensive services for overseas travel, such as travel accident insurance and lounge access. You can earn 8,000 points by signing up and using.
Rakuten Premium Card allows you to choose from three special services. The "Rakuten Ichiba Course" offers six times the points on "Premium Card Days" every Tuesday and Thursday, and the "Travel Course" offers three times the points for bookings made with Rakuten Travel. In addition, in the "Entertainment Course", points will be doubled for use on Rakuten TV and Rakuten Books.
Rakuten Premium Card is recommended for those who use a lot of international flights. The reason is that you can accompany "Priority Pass" (up to $429 annual fee), which allows you to use overseas airport lounge services free of charge and unlimited. With this, you can spend a relaxing time in over 1,300 airport lounges in 148 countries around the world.
(Image = quoted from Rakuten PINK card)| Annual fee | Free forever |
|---|---|
| Available amount< /th> | - |
| Point redemption rate | 1.0~3.0% |
| SPU Point multiplier | +2x |
| International brands | VISA/Mastercard/JCB/AMERICAN EXPRESS |
| Card Design | 4 Types |
| Additional Card | ETC Card/Family Card |
| Additional features | Rakuten Points/Rakuten Edy |
| Services and insurance | Overseas travel Accident insurance (maximum of 20 million yen) *Additional use / Selectable services such as "Rakuten PINK Support" (monthly fee available) |
Source: Rakuten PINK Card
Rakuten Pink Card is a card for women with a design based on pink. It is characterized by the ability to choose from four different designs and the high degree of customization that allows you to add your favorite services. Designs with illustrations of Mickey Mouse and Minnie Mouse can only be selected by JCB for international brands.
Customizable services include women's insurance limited to Rakuten Pink Card. Monthly insurance premiums are required, but it is recommended for those who are considering joining insurance. Points can be tripled when used on Rakuten Ichiba and doubled when used on Rakuten Travel.
Rakuten Pink Card has a lot of benefits recommended for women. Additional services can be customized, such as the Rakuten Group Privilege Service (granting discount coupons and Rakuten Points), the Lifestyle Support Service (more than 110,000 discounts and benefits for restaurants, movie tickets, etc.), and the (Monthly service fee will be charged).
Click here to apply for Rakuten PINK card (Image = quoted from Rakuten Bank card)| Annual fee | Free forever |
|---|---|
| Available amount | - |
| Point redemption rate | 1.0~3.0% |
| SPU point multiplier | +2x (+1x if withdrawn from Rakuten Bank) |
| International brand th> | JCB |
| Card design | 1 type |
| Additional card | >ETC card |
| Additional features | Cash card features |
| Services and insurance< /th> | Overseas travel accident insurance (up to 20 million yen) *Includes use |
Source: Rakuten Bank card
You can earn 5,000 points by signing up and using the credit function. A cash card function is attached to the credit card, so it is a convenient card that allows you to withdraw cash and pay with a single card.
In addition, if the Rakuten Card is withdrawn on the 27th of each month, the Rakuten Bank deposit interest rate will double for the following month. If you enter the "Happy Program", you can also use the benefit of earning 3 to 9 Rakuten points every month.
Rakuten Bank Card will increase the point redemption rate to 4.0% by using Rakuten Bank as a payment debit account when using Rakuten Ichiba. Therefore, this card is recommended for those who have a Rakuten Bank account.
(Image = quoted from Rakuten ANA Mileage Club Card)| Annual fee | 550 yen (tax included) *Free for the first year |
|---|---|
| Available amount | - |
| Point redemption rate | 1.0~3.0% | < /tr>
| SPU Point Multiplier | +2x |
| International Brands | VISA/Mastercard/JCB |
| Card design | Two types |
| Additional card | ETC card /Family Card |
| Additional Functions | Rakuten Points/Rakuten Edy |
| Services and Insurance th> | Overseas travel accident insurance (maximum 20 million yen) *Includes use/ANA Mileage Club function |
Source: Rakuten ANA Mileage Club Card
Rakuten ANA Mileage Club Card is a card with ANA mileage function. You can choose either "miles" or "Rakuten points" to earn points by using the card. Mileage Club card holders can accumulate miles in one account.
You can earn up to 3x points when using the card on Rakuten Ichiba, and up to 2x points when using it on Rakuten Travel. By newly enrolling in the Rakuten ANA Mileage Club Card and using the card, you will receive a gift worth up to 5,000 yen.
Rakuten ANA Mileage Club Card is recommended for those who accumulate miles. You can earn mileage instead of Rakuten Points for everyday shopping, and the accumulated Rakuten Points can be exchanged for 2 points = 1 mile. However, please note that the points earned in the campaign cannot be exchanged for miles.
(Image = quoted from Rakuten Card Academy)| Annual fee | Free forever |
|---|---|
| Available amount< /th> | - |
| Point redemption rate | 1.0~3.0% |
| SPU Point multiplier | +2x |
| International brands | VISA/JCB |
| 1 type | |
| Additional card | ETC card |
| Rakuten Points/Rakuten Edy *No cash advance | |
| Services/Insurance | Rakuten Student Discount/Overseas Travel Accident insurance (up to 20 million yen) *Includes use |
Source: Rakuten Card Academy
Students between the ages of 18 and 28 (excluding high school students) can apply for Rakuten Card Academy, and students will automatically switch to a regular "Rakuten Card" upon graduation. Even if you withdraw from the Rakuten Card Academy, the eligibility for the "Rakuten Student Discount (for ages 15 to 25)", which is automatically attached, will continue.
You can earn points equivalent to 5,000 yen by joining as a new member and using the card. As an exclusive benefit of Rakuten Card Academy, you can get up to 4 times more points when you use your card at Rakuten Books, and up to 3 times more points when you use your card at Rakuten Travel.
Rakuten Card Academy is recommended for students. It comes with a Rakuten Student Discount that can be used in various situations in student life, and you can earn points by purchasing books and using the card for travel.
(Image = quoted from Rakuten Card) (Image = quoted from Alpine Group Rakuten Card)| Annual fee | Free forever | Available amount | - |
|---|---|
| Point redemption rate | 1.0~3.0% |
| SPU Points Multiplier | +2x |
| International Brands | Mastercard | < /tr>
| Card design | 1 type |
| Additional card | ETC card/Family card |
| Additional functions | Rakuten Point/Rakuten Edy/Alpine Point functions |
| Services and insurance | >Overseas travel accident insurance (maximum of 20 million yen) *Comes with use/Alpen Group benefits |
Source: Alpen Group Rakuten Card
You can apply for the Alpine Group Rakuten Card by registering as an Alpine Group Member. As a membership benefit, 1,000 Rakuten points and 1,000 Alpen points will be awarded.
The feature of this card is that you can earn both Rakuten points and Alpine points. First, 1.0% will be awarded for Rakuten card usage, 0.5% for Rakuten point card usage, and 5.0% for Alpine points, up to 6.5%.
In addition, you can receive various benefits by using it at Alpen Group stores and related facilities.
If you use this card at Alpen Group stores, you can earn a lot of points. In addition, you can receive special benefits such as discounts when purchasing sports equipment and discounts on processing costs.
(Image = quoted from Rakuten Card Michinoku Bank design)| Annual fee | Free forever |
|---|---|
| Available Amount | - |
| Point return rate | 1.0~3.0% |
| SPU Points Multiplier | +2x |
| International Brands | Mastercard |
| 1 type | |
| Additional card | ETC card/Family card | Additional features | Rakuten Points/Rakuten Edy |
| Services and insurance | Overseas travel accident insurance (up to 2,000 10,000 yen) |
Source: Rakuten Card Michinoku Bank design
You can get Rakuten points equivalent to 5,500 yen by signing up, using the card, and opening an account at "Michinoku Bank". The basic functions are the same as "Rakuten Card", but the only international brand is "Mastercard".
Michinoku Bank's cash function is not included. There are two differences from the Rakuten card: the design and the international brands you can choose from. Mastercard allows touch payment, so it is recommended for those who want to pay quickly.
Please note that the Rakuten Card Michinoku Bank design has the same basic functions as a regular Rakuten Card and does not have a cash card function. If you already have a Michinoku Bank account, you can receive 500 Rakuten Points by specifying your Michinoku Bank account as a bank transfer when you apply.
(Image = quoted from Rakuten Card Japan Post Bank design)| Annual fee | Free forever |
|---|---|
| Available Amount | - |
| Point redemption rate | 1.0~3.0% |
| SPU Point Multiplier | +2x |
| International Brands | VISA/Mastercard |
| Card Design | Two Types |
| Additional Cards | ETC Card/Family Card |
| Additional Features | Rakuten Points/Rakuten Edy |
| Services and Insurance | Overseas Travel Accident Insurance ( Up to 20 million yen) |
Source: Rakuten Card Japan Post Bank design
Rakuten Card Japan Post Bank design has the same function as the regular "Rakuten Card". Based on the Japan Post Bank color, the Japan Post Bank logo is designed. There are also other designs with the “Rakuten Card Shopping Panda” design.
Please note that the Rakuten Japan Post Bank design does not come with a cash card function. Therefore, if you have a Japan Post Bank account, be careful not to confuse it with the Japan Post Bank cash card as the design is similar.
If you have a Japan Post Bank account, you can get 500 Rakuten points by setting up a Japan Post Bank account in your card's transfer account. The end date of the campaign is undecided, so it is recommended for those who have a Japan Post Bank account.
| Annual fee | 33,000 yen (tax included) |
|---|---|
| Available amount | < td>-|
| Point redemption rate | 1.0~5.0% |
| SPU point multiplier | +4x |
| International Brands | VISA/Mastercard/JCB/AMERICAN EXPRESS |
| Card design | 1 type |
| Additional card | ETC card/Family card |
| Additional features | Rakuten Points/Rakuten Edy |
| Services and insurance | Overseas travel accident insurance (highest) 100 million yen)/Domestic travel accident insurance (up to 50 million yen)/Comprehensive personal property insurance (3 million yen)/Use of overseas and domestic airport lounges |
Rakuten Black Card is the highest rank of Rakuten Card. It is not possible to apply directly, it is an invitation system. The conditions for receiving an invitation are not specified on the official website.
Although the annual membership fee is as high as 33,000 yen (including tax), the services that match it are substantial. There are concierge services by professional staff, support from local travel desks overseas, and access to more than 1,300 airport lounges in 148 countries, as well as domestic airports.
Rakuten Black Cards are not issued to everyone, so there is a special feeling that only selected people can have. There are many useful services, especially for those who travel abroad a lot, so we recommend that you consider applying when you receive an invitation.
There are many types of Rakuten cards, so I don't know which one to choose.
Each has different characteristics, so if you know how to use it, you can choose the best one. First of all, let's understand the characteristics of the card and decide which one is useful for you.
Here, we will compare the Rakuten Card and the Rakuten Gold Card, the Rakuten Gold Card and the Rakuten Premium Card, and the Rakuten Premium Card and the Rakuten Black Card, and explain in detail which one is recommended for each case.
(Image: Wealth Bridge Editorial Department)First of all, I would like to explain what kind of people would recommend the Rakuten Gold Card over the standard Rakuten Card.
People who want to spend a relaxing time or work on a computer before boarding an airplane will want to use an airport lounge.
One of the Rakuten Gold Card services is that you can use domestic airport lounges for free up to twice a year. Rakuten Gold Card is recommended for those who often fly and use airport lounges on domestic flights.
For those who travel abroad frequently, we recommend the Rakuten Gold Card as it allows you to use local travel desks.
The travel desk is available to answer a variety of local inquiries. For example, you can ask the travel desk to rent a car or book a hotel locally. You can also get sightseeing information, so it's convenient when you want to stop by somewhere in your spare time.
Also, if you have any troubles such as losing your passport, you can consult with us. If you travel overseas a lot, we recommend the Rakuten Gold Card because you can use the convenient travel desk like this.
Rakuten Gold Card is also recommended for those who often use expressways and want to use an ETC card. If you have a normal Rakuten card, the annual fee will be 550 yen including tax, but if you have a Rakuten gold card, it will be free. Only one ETC card can be attached to one Rakuten Gold card.
If you have a Rakuten ETC card, you can earn 1 Rakuten point for every 100 yen spent on tolls.
(Image: Wealth Bridge Editorial Department)Some people may be wondering whether to choose between the “Rakuten Gold Card” or the “Rakuten Premium Card,” which are higher-class cards. Therefore, we will explain what kind of people are recommended for "Rakuten Premium Card" depending on their lifestyle and card usage.
For those who travel abroad every year, the Rakuten Premium Card is recommended over the Rakuten Gold Card as it offers more benefits when traveling abroad.
The upper limit of overseas travel accident insurance is as high as 50 million yen (automatic coverage: 40 million yen, use coverage: 10 million yen), and overseas airport lounges are available at some airports with the Rakuten Gold Card. , Rakuten Premium Card can be used at over 1,300 locations in 148 countries. This is because "Priority Pass", which has an annual issuance fee of up to $429, is free. What's more, the Rakuten Gold Card allows you to use domestic and overseas airport lounges only twice a year, while the Rakuten Premium Card allows you to use them unlimited times.
(Image = quoted from Rakuten Business Card)If you are a corporate representative or individual business owner and want to use the corporate card "Rakuten Business Card", you need to enroll in the Rakuten Premium Card. This is because the Rakuten Business Card is a companion card to the Rakuten Premium Card.
Paying corporate business expenses with a corporate card instead of a personal card makes it easier to manage expenses and helps with accounting. In addition, the Rakuten Business Card will give you up to 5% points when you use it at Rakuten Ichiba.
Click here to apply for the Rakuten Business CardFor those who frequently use Rakuten Ichiba and Rakuten Travel, we recommend the Rakuten Premium Card over the Rakuten Gold Card.
This is because the maximum point redemption rate for Rakuten Gold Card is 3.0%, while for Rakuten Premium Card it is 5.0%. In addition, 1.0% points will be added if you use it on "Monthly Specific Premium Card Days" every Tuesday and Thursday.
In addition, if you pay online with a Rakuten Travel card, you can earn 1.0% points, so if you use these services, we recommend the Rakuten Premium Card.
(Image: Wealth Bridge Editorial Department)We will explain what kind of people are recommended for the Rakuten Black Card, which is the highest rank than the Rakuten Premium Card. The Rakuten Black Card offers a full range of services worthy of the high annual fee. Let's check if you can fully enjoy such services.
Rakuten Black Card, like Rakuten Premium Card, comes with Priority Pass, which allows you to use overseas airport lounges free of charge. There is a charge for companions with the Rakuten Premium Card (3,300 yen including tax per person), but with the Rakuten Black Card, up to 2 people are free.
If you have many opportunities to travel overseas with a companion, we recommend the Rakuten Black Card as it can reduce the burden of airport lounge fees.
Rakuten Black Card has a "concierge service" that Rakuten Premium Card does not.
The services provided by the concierge desk include "Provision and reservation of restaurant information at travel destinations", "Reservations for domestic and international hotels, air tickets, and rental cars", "Ticket arrangements for concerts, operas, musicals, etc." And so on.
How good are the Rakuten Card points compared to other companies' cards?
Every company that issues credit cards appeals to them with a high point return rate. By using the Rakuten Card with the Rakuten Group, which offers services in a variety of industries, you can earn points at great value.
Credit cards with the highest possible point redemption rate are advantageous. Rakuten Card has a high return rate by using Rakuten Group services, but what about other companies' cards?
Here are the characteristics of 5 credit cards known as high redemption rates.
(Image quoted from JCB Card W)JCB CARD W normally has a point redemption rate of 1.0%, but when used at JCB preferential shops, the points can be doubled to five times higher. In addition, Starbucks and Mos Burger have a high return rate, such as increasing 10 times.
In addition, the "Oki Doki points" accumulated with JCB CARD W can be used as 1 point = 3.5 yen worth of Amazon, making it a great deal when used.
However, you must be between the ages of 18 and 39 to apply for this card. If you have a card, you can continue to use it even after you turn 40.
(Image = quoted from Epos Card)Epos Cards issued by Marui Group usually have 0.5% points, and when used at Marui, the return rate is 1.0%. There is a benefit of 10% off if you pay with an Epos card during the Marui bargain period held four times a year.
If you use the "Epos Point UP Site" to make online shopping credit card payments, the point redemption rate will be doubled at Amazon and Uniqlo, and 5 to 10 times at other online shops. Depending on the store, there are cases where the return rate is as high as 30 times.
(Image = quoted from au PAY card)The au PAY card issued by the mobile phone carrier au has a normal point return rate of 1.0%. You don't have to be an au user to have the card. Ponta points are awarded, but if you charge the "au PAY balance" of barcode payment, 0.5% points will be added.
If you use it at a "point-up store", you can get 1-2 points for every 200 yen spent. Specifically, there are Tomod's, Nojima, Starbucks Card, Kappa Sushi, and Family Restaurant Cocos. In addition, during campaigns, points will be increased by using at participating stores.
(Image = quoted from Lawson)Lawson Ponta Plus has a point return rate of 1.0% when used at stores other than Lawson. If you use it at Lawson, Lawson Store 100, and Natural Lawson, you will get 1 point for every 200 yen spent from 12:00 to 15:59, and 2 points for every 200 yen spent from 16:00 to 23:59. .
In addition, if you pay by card at the above three stores on the 10th and 20th of each month, the point return rate will increase to 3.0%.
(Image = quoted from d card)The basic point return rate for d cards provided by Docomo is 1.0%. Points of 1.5% to 5.0% will be awarded for use at special stores. For example, if you pay by card for shopping at "Nojima", you can receive a maximum of 5.0% return (registration of "Nojima mobile member" is required).
The d POINT service has a preferential treatment program called "d POINT PROGRAM", and the number and types of coupons that can be used increase as the status increases according to the usage status.
How do I apply for Rakuten Card?
You can easily apply from your computer or smartphone. After that, you will undergo an entrance examination, and if you pass the examination, the card will be issued. However, if the documents are incomplete, you will have to submit them again. It takes time to issue the certificate, so it is important to understand the necessary documents and procedures in advance.
I will explain the flow from application to issuance of a Rakuten card. In order to receive the card smoothly, let's understand the flow of the process.
Rakuten Card can be applied immediately from a computer or smartphone.
Prepare necessary documents in advance. All you need to apply for a Rakuten Card is a Rakuten ID, identification documents, and a bank account number. A Rakuten ID can be created by registering for a Rakuten member account when applying for a Rakuten card.
You need a "driver's license", "passport", or "my number card" as identification documents. A bank account number is required for direct debit payments.
Open the official website of Rakuten Card and follow the procedure from "Easy application". Select the card to be issued here, enter your personal information, and complete the admission examination.
After applying, there will be an entrance examination. Here, repayment ability is checked, but the presence or absence of stable income is particularly emphasized. The review period is short and can be completed almost immediately.
If you pass the screening, the card will be issued in 1 week to 10 days, so it can be said that the credit card issuance period is short.
You can check the progress of screening and card issuance on the website. You will receive a "notice of receipt of application" by e-mail, but you can check it 24 hours a day by entering the application receipt ID described there, the date of birth you registered, and the last four digits of your phone number.
Once the card issuance status reaches "Card Delivery", you will be able to check the card delivery status.
Once your Rakuten Card has been shipped, it will be delivered to your registered address. The card will not be put in the mailbox, but will be picked up in person. At that time, you will be required to present identification documents (driver's license, passport, My Number Card, etc.).
How to receive the card depends on the delivery company. When Japan Post delivers, you will first receive an arrival notice and choose whether to receive it yourself or at the post office window. In the case of Sagawa Express, the card will be delivered directly to your home.
If you are unable to receive the package due to your absence, etc., you will first need to contact the Rakuten Card Contact Center in order to have it redelivered.
Can any Rakuten card hold two cards?
Basically, you can get a second copy by having one of the cards. There is no review like when I created the first one. However, it may not be issued if there is some kind of trouble in using the card. Also, please note that depending on the type and combination of Rakuten cards you hold, there may be cases where a second card is not issued.
Most Rakuten cards allow you to have a second card issued. I will explain the advantages and disadvantages of issuing a second copy.
(Image = Wealth Bridge editorial department)Although there are exceptions for Rakuten cards, basically you can have a second card. Therefore, it can be used in various convenient ways, such as using it properly according to the application. So I will explain what kind of merits there are by having two Rakuten cards.
Rakuten cards come in a variety of designs, so you can have two cards with your favorite design. There is also a way to enjoy it, such as choosing the design of the card to use depending on your mood.
You can also choose from up to four international brands, so you can choose different ones. Some stores may have limited international brands available. If you have multiple cards in such a case, it is convenient because you can use them properly.
Rakuten cards have different services depending on their type, so you can use them according to your needs. For example, if you often use airports for travel, the Rakuten Gold Card, which allows you to use airport lounges for free up to twice a year, is useful. You can easily manage your payments by using a second card for your regular card payments.
You can also change the usage according to the characteristics, such as a card that accumulates more points or a card with a full range of services.
After issuing the second Rakuten card, you can change the withdrawal account separately from the first one. Therefore, if you separate the usage of the two cards, you can manage your household finances separately with each withdrawal account.
For example, let's say you manage one account for living expenses and another account for events and irregular expenses. Convenience will be improved by dividing the Rakuten card linked to it into one for everyday use and one for expenses such as for each event.
(Image = Wealth Bridge editorial department)I will explain the disadvantages of having two Rakuten cards. In some cases, there may be no advantage in having a second card, and there may be cases where the increase in the number of cards only makes management difficult.
Rakuten cards have different characteristics depending on the type, but weak points are common to each card. In that case, it may not be possible to make up for the weakness with two copies. For example, the ETC card annual fee is 550 yen (including tax) except for the Rakuten Premium Card and Rakuten Gold Card. If you want to issue an ETC card for free, there is no merit in issuing two cards of the same grade as a normal Rakuten card.
For the second card, it may be a good idea to consider other cards that can compensate for the weak points of the Rakuten card.
Rakuten Card has a membership benefit of 5,000 points for new members, but the second card you create is not eligible for that benefit.
Also, if you cancel your Rakuten Card and rejoin it, you will not be able to receive this benefit, so be careful. However, points earned from the first Rakuten Card and the second Rakuten Card can be used together.
Rakuten card can basically make a second card, but there are cases where it is not possible depending on the combination.
First of all, if you have three types of "Rakuten Bank Card", "Rakuten ANA Mileage Club Card", and "Rakuten Card Academy", you cannot issue a second card. Also, if you have a "Rakuten Pink Card", you cannot make the same "Rakuten Pink Card" as a second card.
In addition, if you have a "Rakuten Gold Card", "Rakuten Premium Card", or "Rakuten Black Card", you cannot issue these three cards as a second card.
You can check whether you can make a second card from the application form of "Rakuten e-NAVI".
Are there any precautions when using Rakuten Card?
Please note that the Rakuten points earned in the campaign have an expiration date. There are also cases where points are not awarded for charging electronic money. If you call the contact center where you can consult about things you do not understand, you will be charged for the call even if your mobile phone rate plan is "unlimited calls".
There are a few things to keep in mind when using Rakuten cards. There are many opportunities to use, such as those related to Rakuten points and inquiry services, so be sure to check them.
The ETC card that can be added with the Rakuten card basically costs an annual fee of 550 yen (tax included). However, the annual fee will be waived in the following cases.
The Rakuten Card Contact Center is where you can make various changes to your Rakuten Card and consult with operators. Call charges are 10 yen for 20 seconds. Therefore, it is recommended to use e-NAVI for all procedures.
However, there are cases where it is necessary to contact the contact center because there are problems that cannot be solved online, such as delinquent payments. Since the phone number of the contact center is a navigation dial starting with "0570", call charges will be incurred even if the call charge is free.
Rakuten Card points include "Limited Time Points" that are granted through campaigns. Some require entry, while others automatically participate. It's a campaign point that you can save points for a great deal, but you need to be careful because the expiration date is fixed.
The expiration date varies depending on the campaign, and if you notice it, it may have expired, so be sure to manage your points properly.
In addition, campaign points cannot be exchanged for other points or charged to Rakuten Edy.
Rakuten Pay and Edy Card are electronic money that can be used with Rakuten Card, and you can earn points by charging them.
However, when charging Rakuten Edy with au Easy Payment, charging nanaco credit and charging mobile Suica, SMART ICOCA, or mobile PASMO, points are not eligible for point reduction (charging from Rakuten Pay to Mobile Suica points). In addition, points will not be returned for WAON charge or Famipay charge.
From June 2021, the Rakuten Card has a point return rate of 0.2% for usage such as public utility charges. In addition to utility bills for electricity, gas, and water, the point redemption rate is 0.2% for taxes (national tax, prefectural tax, etc.) and national pension insurance premiums.
Considering that there are other credit cards with a 1.0% return rate, it can be said that this is a low return rate. Of course, for those who don't use credit cards for these payments, it probably won't matter.
There are many types of Rakuten cards. , There are differences in the services that can be used and the point redemption rate. Basically, the card with no annual fee is attractive because it provides a high point return rate by using services provided by the Rakuten Group such as Rakuten Ichiba.
On the other hand, cards that require an annual fee and are ranked higher than the Rakuten Gold Card have a full range of useful services for travelers, such as access to airport lounges and travel desks. And the higher the rank of the card, the richer the service content. Which card you should choose will depend on how often you use those services.
Furthermore, you can have two Rakuten cards, so you can combine one high-performance card and one standard card that can efficiently accumulate points. Considering the services of each card and your lifestyle, it is recommended that you choose two cards that are the best combination.
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