Skip to content
RATING

Rakuten Cash Back Visa Signature® Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

This card may be a great savings tool if you already use Rakuten for some of your online shopping. You’ll get 3% cash back for purchases on Rakuten.com, and 3% stacking cash back on in-store offers. There’s no annual fee, and you’ll even get some Visa Signature benefits too.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 19.99%–24.99% Variable

Rakuten Cash Back Visa Signature® Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

Spending Rewards
  • 3% cash back for:
    • Rakuten.com purchases
    • In-store Cash Back offers
  • 1% cash back on all other purchases
Introductory Bonus
  • $10 cash back bonus after making your first purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 19.99%–24.99% Variable
Cash Advance Fee 4%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

SECURITY
  • Zero Liability on Unauthorized Charges
SHOPPING
  • Purchase Protection
TRAVEL
  • Auto Rental Insurance
  • Emergency Travel Assistance
  • Travel Accident Insurance
Rakuten Cash Back Visa Signature® Credit Card

Highlights

  • 3% cash back on Rakuten.com, in-store cash back offers, Rakuten dining, and the Rakuten Gift Card Shop
  • 3% extra cash back at over 2,500 stores like Macy’s, Khol’s, JCPenney
  • $10 cash back bonus after making your first purchase
  • Cash back is paid out quarterly and can only be redeemed for a check in the mail or a PayPal payment
  • Benefits include: Auto Rental Collision Damage Waiver, Price / Return Protection, Travel Accident Insurance, Purchase Security, Emergency Travel Services
  • 3% foreign transaction fee
  • No annual fee
ABOUT THE ISSUER

Synchrony

Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-226-5638 or

Try a different phone number
See all Issuer Cards

Rakuten is an online platform that works with popular brands to offer discounts and deals you wouldn’t normally find while shopping online. The Rakuten Cash Back Visa Signature Card boosts your savings by increasing those discounts, and offering cash back on other Rakuten services.

You’ll earn an unlimited 3% cash back for qualifying purchases on Rakuten.com with the card, on Rakuten Dining, and the Gift Card Shop. You’ll also find in-store cash back offers that you’ll get an extra 3% cash back on. So if it’s a 12% discount offer, you could get 15% off instead (in the form of cash back).

You can only redeem the cash back you earn once per quarter throughout the year. You can opt to get a “Big Fat Check” in the mail, or a “Big Fat Payment” to your PayPal account.

You’ll also get a few basic Visa benefits like Auto Rental Collision Damage Waiver, Price and Return Protection, Purchase Security, and a couple others. There is a Visa Platinum version of the card, with a slightly higher APR and fewer benefits.

This card has no annual fee.

Scroll to top