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Rakuten Cash Back Visa® Credit Card review

Get accelerated cash back without paying an annual fee.

  • Get this card if you frequently shop at
  • Pick something else if you want high cash back on other categories.
  • Apply with a good to excellent credit score of 670 or higher.

Extra 3% Cash Back on qualifying purchases made through,
in Store Cash Back Offers, Rakuten Hotels and Rakuten travel.



Annual fee

From 26.49% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer$$10 First Purchase Bonus after the first purchase using your Rakuten Cash Back Visa Credit Card.
RewardsExtra 3% Cash Back on qualifying purchases made through,
in Store Cash Back Offers, Rakuten Hotels and Rakuten travel.
Purchase APRFrom 26.49% variable
Balance transfer APRN/A
Minimum Credit Score670

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Rakuten Cash Back Visa® Credit Card can be a solid addition to your wallet if your go-to online shop is With this card, you get additional cash back on top of what you earn for active online deals.

How to apply for the Rakuten Cash Back Visa® Credit Card

  1. Go to the Ebates website and select the Rakuten Cash Back Visa® Credit Card at the bottom of the page.
  2. Click Apply now.
  3. If you don’t have an Ebates account you’ll need to create one.
  4. Fill out the application form with all required details.
  5. Review your information and submit.

How long will it take to get my Rakuten Cash Back Visa® Credit Card?

You should get an immediate decision. Once approved, expect your card to arrive within seven to 10 business days.

The perks

  • Cash back.
    Earn 3% back on purchases at more than 2,500 stores and 1% back on everything else you buy. You get more back when you link your card to specific in-store offers and shop at its physical location.
  • Signup bonus.
    Get after you make your first purchase. This is one of the lowest signup bonuses you can get, but it’s easy to obtain.

Get the card without paying an annual fee.

How much cashback rewards can I earn with the Rakuten Cash Back Visa® Credit Card?

The main perk of the card is the extra 3% cash back you get on top of the offered deal on For example, if there’s an 8% cashback deal at Macy’s, you get 11% cash back total when you use the card.

The same applies when you use your card to make in-store purchases and link your card with a specific deal on the website.

If you spend $5,000 annually on purchases without factoring in any extra deals, you would earn additional $150 cash back.

You’ll also like …

  • Visa benefits.
    Get zero fraud liability for unauthorized purchases, price protection and return protection.
  • Digital wallet.
    Enroll your card in Apple Pay, Google Pay and Samsung Pay and simplify your credit card payment with your mobile device.
  • No penalty APR.
    There’s only a late payment fee of $40. With other cards you can end up with a penalty APR of up to 31% after making a single late payment.

Compare store credit cards

Name Product Annual fee Purchase APR Minimum Credit Score
Sam's Club® Mastercard®
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.

Compare up to 4 providers

What to watch out for

  • No intro APR period.
    You start off with a variable APR of 26.49% or from the moment you open your account. If you’re looking to make a balance transfer or a large purchase and carry the balance interest-free, you may find a 0% intro APR card more suitable.
  • Foreign transaction fee.
    Each time you swipe outside of the US you’ll incur a fee up to of the transaction.

What should I know before I apply?

You must be at least 18 years old and a US resident to apply for this card.

To apply you’ll need to provide your:

  • Full name, residential address and contact information.
  • Date of birth and Social Security number.
  • Annual income.

What credit score do I need?

Apply with a good to excellent credit score of 670 or higher.

Rakuten Cash Back Visa® Credit Card reviews and complaints

Customers who frequently use like the cashback rate. You’ll also find reviewers who had issues with the 3% cash back not being properly received, and complaints about the issuer’s customer service.

As of August 2021, the Better Business Bureau rates Synchrony Bank, the issuer of this card, with an A+. The Bank is accredited since 2006.

You may want to keep an eye on your statement to make sure you’re earning rewards at the expected rate.

I got the card. Now what?

  • Download MySynchrony mobile app. Use the app to make payments, monitor your account and more.
  • Download the Ebates mobile app. Find new deals, track your cash back, get deal alerts and more.
  • Enroll in digital wallet. Enroll in Apple Pay, Samsung Pay or Google Pay to make payments with your mobile phone.
  • Avoid interest and fees. Your due date is 23 days after the close of each billing cycle. Avoid paying high interest and late payment fees by paying off your balance before its due.
  • Customer service. Call 855-697-4555 for any questions to speak with a Synchrony Bank customer support representative.

How do I redeem rewards from the Rakuten Cash Back Visa® Credit Card?

You automatically get your cash back every quarter once you reach $5. Receive your cash back as a:

  • Check
  • PayPal deposit

Payments are usually sent on:

  • May 15
  • Aug 15
  • Nov 15
  • Feb 15

Bottom line

If you frequently shop through, the Rakuten Cash Back Visa® Credit Card could be a solid choice. In addition to the cash back deals offered on the website, you’ll get a 3% bonus. Once you link your card with an in-store cashback offer, you can also get the additional 3% back when making purchases in physical stores where you linked your card.

If you’re not sure this card is the right fit, you can always look at other cashback credit cards to find the right card for your needs.

Frequently asked questions

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