Rakuten Rewards Mastercard
in Personal Credit Cards from First National Bank of Omaha
Would you recommend Rakuten Rewards Mastercard to your friends?
| Community Rating |
Rating not yet determined |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 17.24% - 24.24% |
| Balance Transfer APR (Variable APR) | 17.24% - 24.24% |
| Credit Score Range | 640 - 850 |
Rakuten Rewards Mastercard Review
Rakuten Rewards Mastercard is a store rewards credit card issued by First National Bank of Omaha.
This card is designed for people with fair credit. The minimum credit score to apply is 640. First National Bank of Omaha is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. If you're wondering whether Rakuten Rewards Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.
| The Good | The Bad |
|---|---|
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Is there a Rakuten Rewards Mastercard cash back or rewards program?
Rakuten Rewards Mastercard offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 10000 |
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
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Rakuten Rewards Mastercard?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Rakuten Rewards Mastercard has higher than average purchase APRs.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.| Description | |
|---|---|
| Balance Transfer APR | 17.24% - 24.24% |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
| Description | |
|---|---|
| Balance Computation | average daily balance (including new purchases) |
| Purchase APR | 17.24% - 24.24% |
| Credit Limit | N/A |
| Penalty APR | N/A |
| Cash Advance APR | Starting at 26.74% |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
What are the Rakuten Rewards Mastercard fees?
The following fees apply to Rakuten Rewards Mastercard:
| 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 |
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.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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for Rakuten Rewards Mastercard
- Visit the Rakuten Rewards Mastercard 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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
-
16th & Dodge St
Omaha, NE 68197 USA - Visit Site
Other Services by First National Bank of Omaha
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
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- Kentucky
- Louisiana
- Maine
- Maryland
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- Mississippi
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- New Hampshire
- New Jersey
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- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 21 |
| Balance Transfer Fee % | 5% |
| Balance Transfer Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | $37 |
| Minimum Interest Charge | $1.75 |
| Returned Payment Fee | $35 |
Rakuten Rewards Mastercard Community Reviews
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Balance Transfer APR
16.24% - 27.24%
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Balance Transfer APR
16.24% - 27.24%
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16.24% - 27.24%
Balance Transfer APR
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16.24% - 27.24%
Balance Transfer APR
16.24% - 27.24%
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