Rakuten Credit Card - Cash Back Calculator

Rakuten Rewards Calculator
Calculate how much cash back you can earn with the Rakuten Rewards Cash Back Visa credit card based on spend and compare side by side top cards.
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Last Updated 2021-12-29

The Rakuten Rewards Visa Card is a great choice for anyone that uses the Rakuten Rewards program to shop in-store or online.

Members who use this card will earn an additional 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 or more with certain retailer 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 between the Rakuten Rewards Visa Card and the Rakuten Rewards portal.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Rewards Avg. Value
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement

Rakuten Credit Card Earning Rate

The Rakuten Credit Card features the following bonus categories and earning rates:

There's no limit to the amount of cash back you can earn with the Rakuten Rewards Visa Card overall.

3% Rakuten Portal

All purchases on the Rakuten Credit Card that are made through the Rakuten Rewards portal will earn 3% cash back. This includes

  • Shopping trips starting with and made through Rakuten.com
  • In-store cash back offers
  • Rakuten Hotels
  • Rakuten Travel

The 3% cash back is in addition to the cash back that Rakuten is offering for any given retailer. So if they're offering 2% cash back for a select retailer, you would earn a total of 5% back on your purchase.

1% Everthing Else

All other purchases made to the Rakuten Credit Card will earn 1% cash back. This will be all purchases that do not go through the Rakuten Rewards portal.

Rakuten Credit Card Cash Back Calculator

Calculate how much cash back you can earn with the Rakuten Rewards credit card based on the 3% cash back earnings through the Rakuten Rewards portal. Remember that this is in addition to what a retailer is offering through Rakuten Rewards.

The calculator does not calculate how much you will earn in total as the amount of cash back offered with any select retailers may change from day to day.

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Credit Cards
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Card Selected: -
Category Spending
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Calculate Rewards Average Value
How much is 0 worth?
Average Value
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
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Calculate Reward Transfers To Partners
Calculate Card Cash Value
Grand Total
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
Total Card Value
The final cash value of the credit card(s).
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