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Rakuten Rewards Mastercard

in Personal Credit Cards from First National Bank of Omaha

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Rakuten Rewards Mastercard

Unaffiliated

in Personal Credit Cards from First National Bank of Omaha

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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $0
Purchase APR (Variable APR) 17.24% - 24.24%
Balance Transfer APR (Variable APR) 17.24% - 24.24%
Credit Score Range 640 - 850

Overview

Who is Rakuten Rewards Mastercard designed for?

Rakuten Rewards Mastercard is a store credit card issued by First National Bank of Omaha, which is based in Aliso Viejo, CA. 

Rakuten Rewards Mastercard is designed for people with a credit score of 640 to 850.

This card does not charge an annual fee, which makes it ideal for those looking to minimize costs. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. First National Bank of Omaha is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs for Rakuten Rewards Mastercard?

Rakuten Rewards Mastercard has a variable purchase APR that ranges from 17.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 24.24%.

It also has a variable cash advance APR starting at 26.74%.

Does Rakuten Rewards Mastercard have an introductory APR offer?

No, Rakuten Rewards Mastercard does not come with an introductory APR offer for balance transfers. Rakuten Rewards Mastercard does not offer an introductory rate on new purchases.
Rakuten Rewards Mastercard Rates & Terms
Purchase APR 17.24% - 24.24%
Balance Transfer APR 17.24% - 24.24%
Cash Advance APR Starting at 26.74%

What are the Rakuten Rewards Mastercard fees?

The following fees apply to Rakuten Rewards Mastercard:

  • There is no annual fee.
  • A late payment penalty of up to $37.
  • Rakuten Rewards Mastercard does not charge a returned payment fee.

Does Rakuten Rewards Mastercard have a foreign transaction fee?

Rakuten Rewards Mastercard 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 a foreign transaction fee.
Rakuten Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $10
Returned Payment Fee $35
Late Payment Fee $37

Is there a Rakuten Rewards Mastercard cash back or rewards program?

Rakuten Rewards Mastercard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Office Supplies
  • Software, Hardware, Cloud

Does Rakuten Rewards Mastercard have a signup bonus?

Rakuten Rewards Mastercard doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Rakuten Rewards Mastercard offer an annual loyalty bonus?

Rakuten Rewards Mastercard doesn't offer a cash loyalty bonus.

What are the Rakuten Rewards Mastercard benefits?

Rakuten Rewards Mastercard provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

Does Rakuten Rewards Mastercard report your account activity to credit bureaus?

Rakuten Rewards Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Rakuten Rewards Mastercard

  • Click here to go to the First National Bank of Omaha application form.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application was rejected and what you can do about it.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • 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
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period for Late Payment (Days) 21
    Annual Fee $0
    No Annual Fee  
    Returned Payment Fee $35
    Minimum Interest Charge $1.75
    Late Fee Amount $37
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Co-signing Allowed  
    Credit Score Range 640 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Car Rental Insurance  
    Extended Warranty  
    Fraud Liability  
    Travel Insurance  
    Emergency Support  
    Free FICO Score  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Price Protection
    • Travel Accident Insurance
    • Travel Assistance
    Bonus Rewards 3x
    Every Purchase 1x
    Rewards Categories
    • Every Purchase
    • Office Supplies
    • Software, Hardware, Cloud
    Signup Bonus (points) 10,000
    Purchase APR (Variable APR) 17.24% - 24.24%
    Cash Advance APR (Variable APR) Starting at 26.74%
    Balance Computation average daily balance (including new purchases)
    Balance Transfer APR (Variable APR) 17.24% - 24.24%

    Reviews

     
     

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