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Rakuten Cash Back Visa Signature® Credit Card

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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, 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


Spending Rewards
  • 3% cash back for:
    • 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


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

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


  • 3% cash back on, 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


Synchrony has several card types depending on your needs.

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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 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.

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