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Credit CardVisa/Mastercard/JCB
Rakuten Card
Rakuten Card Co. · Japan
4.3
RatingKey Information
Annual FeeFree
CurrencyJPY
DifficultyEasy
Local ID RequiredYes
Credit HistoryNot Required
NetworkVisa/Mastercard/JCB
Benefits & Rewards
- 1% points on all purchases
- 3% at Rakuten Market
- Points usable across Rakuten ecosystem
- Free to hold forever
- Overseas travel insurance
- Up to 16X points during campaigns
Pros
- + No annual fee
- + Easiest credit card to get in Japan
- + Massive Rakuten ecosystem for point use
- + Available to foreign residents
Cons
- - Low base earning rate (1%)
- - Points expire relatively quickly
- - Best value only within Rakuten ecosystem
- - Customer service primarily in Japanese
Application Requirements
- Japan resident (18+)
- Valid residence card or Japanese ID
- Japanese bank account
- Japanese phone number
Required Documents
Residence card or My Number cardJapanese bank account details
Fees
Annual FeeFree
Foreign Transaction Fee1.63%
ETCカード¥550/year
Frequently Asked Questions
Can foreigners living in Japan get this card?
Yes, foreign residents with a valid residence card and Japanese bank account can apply. It's one of the most foreigner-friendly cards in Japan.
Free
Annual Fee
Recommended for
Japan residentsRakuten ecosystem usersOnline shoppersBeginners
Tags
#japan#free#beginner#points#rakuten
Last verified2026-05-13
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
免责声明：本页面仅提供公开信息整理，不构成金融建议、信用建议或申请承诺。 具体申请条件、费用、权益和审批结果以发行机构官方页面为准。