Rakuten Cash Back Visa® Credit Card

Earn Cash Back. Every Day. Every Purchase.
Already a Rakuten Cardholder? Manage Your Account
Rakuten Cash Back Visa Credit Cardholders
have earned more than $12 million Cash
Back with the Card.*

Extra 3% Cash Back

on qualifying purchases made through Rakuten.com, In-Store Cash Back offers, Rakuten Dining and Rakuten Gift Card Shop.1

$10 First Purchase Bonus

after the first purchase using your Rakuten Cash Back Visa Credit Card.2

1% Cash Back

on purchases everywhere else Visa credit cards are accepted.1

Peace of Mind

thanks to our zero-fraud-liability policy and Visa benefits like Price Protection and Return Protection.3

Unlimited Cash Back

on all purchases made with your Rakuten Cash Back Visa Credit Card.1

No Annual Fee

so you keep more money in your pocket.4

Stack your Cash Back at over 2,500 stores

  • Go shopping at Macy's and earn 2.0% Cash Back!
    2% Cash Back
    +
    3% Rakuten Visa Card Cash Back
    =
    5% Total Cash Back
  • Go shopping at Kohl's and earn 1.0% Cash Back!
    1% Cash Back
    +
    3% Rakuten Visa Card Cash Back
    =
    4% Total Cash Back
  • Go shopping at Sephora and earn 2.0% Cash Back!
    2% Cash Back
    +
    3% Rakuten Visa Card Cash Back
    =
    5% Total Cash Back

Your card, on your device

Enjoy all the benefits of your Rakuten Cash Back Visa Credit Card with Apple Pay™, Google Pay™ and Samsung Pay.5 It's the secure, easy and fast way to pay.
Open your account and start earning an
extra 3% Cash Back at over 2,500 stores today.
Apply Now

FAQ

What are the benefits of the Rakuten Cash Back Visa Credit Card?

In addition to Rakuten Cash Back, you can earn an extra 3% Cash Back on qualifying purchases made through Rakuten and 1% Cash Back on non-qualifying Rakuten purchases and purchases made everywhere Visa credit cards are accepted. The Rakuten Cash Back Visa Credit Card also offers no annual fee and zero fraud liability.

How do I earn Cash Back?

Use your Rakuten Cash Back Visa Card when shopping at Rakuten and earn an extra 3% Cash Back on qualifying purchases. Use your Rakuten Cash Back Visa Credit Card everywhere else Visa credit cards are accepted and earn 1% Cash Back on your purchases and on non-qualifying Rakuten purchases.

Where do I find my Cash Back information?

Track Cash Back earned via your Rakuten Cash Back Visa Credit Card and earned from shopping through Rakuten in your Rakuten account. (Note: You need to sign in with your Rakuten password to access your account information.)

When do I get paid Cash Back?

Rakuten sends you Cash Back quarterly, according to the schedule below. If you’ve earned less than $5.00 Cash Back, we’ll carry that balance forward and wait to mail a Big Fat Check until your balance exceeds $5.00.
POSTING PERIOD PAYMENT SENT
Jan 1 - Mar 31 May 15
Apr 1 - Jun 30 Aug 15
Jul 1 - Sep 30 Nov 15
Oct 1 - Dec 31 Feb 15

How do I get paid?

Rakuten offers two ways to receive payment. You can view your Big Fat Check Settings by visiting your Rakuten Account and choosing your payment method in Account Settings.
  1. Check: We mail you a Big Fat Check to the address that you have on file.
  2. PayPal: We deposit your Big Fat Payment in your PayPal account.
Enable Cash Back