Rakuten Cash Back Visa Signature® Credit Card
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| Purchase APR (Variable APR) |
20.24% - 25.24% (Verified 08/04/2023) |
| Balance Transfer APR | N/A |
| Credit Score Range | Starting at 670 |
| Annual Fee | $0 |
Rakuten Cash Back Visa Signature® Credit Card Review
This is a cashback card issued by Synchrony Bank. If you're wondering whether Rakuten Cash Back Visa Credit Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 20.24% up to 25.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Rakuten Cash Back Visa Credit Card
| The Good | The Bad |
|---|---|
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Rakuten Cash Back Visa Credit Card FAQ
Does Rakuten Cash Back Visa Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Rakuten Cash Back Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Rakuten Cash Back Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Rakuten Cash Back Visa Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Rakuten Cash Back Visa Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Rakuten Cash Back Visa Signature® Credit Card has a variable purchase APR that ranges from 20.24% up to 25.24%. It also has a variable cash advance APR that ranges from 20.24% up to 25.24%.
Does Rakuten Cash Back Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Rakuten Cash Back Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Rakuten Cash Back Visa Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $ |
| Late Payment Fee | $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Rakuten Cash Back Visa Credit Card have a foreign transaction fee?
Rakuten Cash Back Visa Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Rakuten Cash Back Visa Credit Card?
The Rakuten Cash Back Visa Credit Card customer service number is (866) 226-5638.
What is the support contact email for Rakuten Cash Back Visa Credit Card?
The support contact email for Rakuten Cash Back Visa Credit Card is customer.service@mail.synchronybank.com.
What is the Rakuten Cash Back Visa Credit Card login page?
You can access the Rakuten Cash Back Visa Credit Card login page here.
How do people rate the customer service and user experience of Rakuten Cash Back Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Rakuten Cash Back Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, Rakuten Cash Back Visa Signature® Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Rakuten Cash Back Visa Credit Card
- Visit the Rakuten Cash Back Visa Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 USA - (866) 226-5638
- Visit Site
- Email Support
Other Services by Synchrony Bank
Other Credit Cards by Synchrony Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 4% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| No Interest Grace Period for Late Payment | 23 days |
| Late Fee Amount | $40 |
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