Rakuten Rewards Mastercard
in Personal Credit Cards from First National Bank of Omaha
Unaffiliated Apply NowRakuten Rewards Mastercard
in Personal Credit Cards from First National Bank of Omaha
Cast your vote
Would you recommend Rakuten Rewards Mastercard to your friends?
| 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.| 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.| 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
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Contact
- Headquarters
-
85 Enterprise #100
Aliso Viejo, CA 92656 USA - (949) 389-2000
- Visit Site
Other Services by First National Bank of Omaha
View all personal credit cards offered by First National Bank of Omaha
Availability
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% |
Reviews
Would you recommend Rakuten Rewards Mastercard to your friends?
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7 total votes
Annual Fee
$0
Purchase APR
11.49% - 19.49%
(Variable APR)
Balance Transfer APR
11.49% - 19.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
0% - 23.49%
(Variable APR)
Balance Transfer APR
23.49%
Credit Score Range
650 - 850
