Rakuten Credit Card | Card Review & Cash Back Calculator

Rakuten Credit Card

3% Cash Back Rakuten

Review the benefits of the Rakuten Credit Card (Ebates), calculate how much extra cash back you can earn based on spend, and compare results to top cards.


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The Rakuten Cash Back Visa Card is a great choice for anyone that uses the Rakuten Rewards program and shop through their portal. Members who use this card will earn a minimal of 3% cash back on all Rakuten.com, In-Store Cash Back offers, and Travel purchased through the Rakuten website. If you're familiar with Rakuten, you know that they offer as much as 10%+ cash back on certain stores and earning an additional 3% on top of that can be extremely valuable. If used correctly when shopping, you can earn thousands in cash back per year.

Bonus Categories

The Rakuten Cash Back Visa Card earns a flat rate of cash back on top of the cash back offered by the portal. There is not specifically any bonus categories associated with the card. There's no limit to the amount of cash back you can earn with the Rakuten Cash Back Visa Card. Below are the details on how this card earns you cash.

+3% Cash Back

Any shopping done through hundreds of stores and businesses listed on Rakuten.com will earn you an additional 3% cash back when you use the Rakuten Cash Back Visa Card and use the portal to start the shopping trip. Do note that this is in addition to the cash back Rakuten is already offer for you to shop there.

For example, if you shop with eBags and use Rakuten to start the shopping trip, you will earn 12% for using Rakuten and an additional 3% for using the Rakuten Cash Back Visa Card for a total of 15% back on eBags. That's an excellent return since eBags doesn't really fall under any specific categories on many reward cards. As you can see, using this portal can save you hundreds if not thousands a year. Combine it with either the Rakuten Cash Back Visa Card or a co-branded card with the listed store or business and you will come out ahead easily.

Earn an additional 3% on top of the cash back amounts listed for over 2,500 stores.

1% Cash Back

Any spending on the Rakuten Cash Back Visa Card outside of using the Rakuten Portal will earn you 1% cash back. This is a relatively low rate that can be put on a 1.5% or higher cash back card such as the Capital One Quicksilver or Chase Freedom Unlimited.

Perks and Benefits

There's no real perks and benefits to the Rakuten Cash Back Visa Card. It features the standard Visa Zero Fraud Liability and Visa Return Protection to give you some comfort over online purchases.

Sign Up Bonus

Earn $10 after your first purchase using your Rakuten Cash Back Visa Credit Card. Sign up through The Point Calculator and earn an additional $10 when you spend $25 for a total of $20 cash back!

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Rakuten Cash Back Visa Card. You will always come out ahead while earning unlimited cash back with this card.

Authorized User Fee

There is no fee to add authorized users to the Rakuten Cash Back Card. If you have other friends and family that do online shopping, I recommend they sign up for Rakuten and use the portal to make purchases to build cash back faster!

Foreign Transaction Fee

There is a 3% foreign transaction fee when you use the Rakuten Cash Back Visa Card for foreign purchases. I do not recommend using this card outside of the United States.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Earning On Travel With Rakuten (Ebates)

Follow along as I explain how you can earn additional cash back booking your travel through the Rakuten website.

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Page Last Updated: 2019-12-30
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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