Rakuten Cash Back Visa® Credit Card
Basic Information
Program ID: rakuten-cash-back-visa
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:43
Last Scraped: 01/15/2026 11:45
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, posted to your Rakuten account.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.03%
Bonus Categories: 3% on Rakuten.com and Rakuten App purchases; 1% on all other eligible purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back does not expire as long as your Rakuten account is active and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: For 2026, the Rakuten Cash Back Visa from Synchrony is expected to maintain its core application and bonus rules. Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident, and possess a Social Security Number or ITIN. Approval is subject to Synchrony's credit underwriting standards, generally requiring fair to good credit. An existing Rakuten membership is typically required to apply. New cardholders often receive a bonus (e.g., $10 or 1,000 Rakuten points) after their first purchase within a specified timeframe, usually 90 days. Store-specific restrictions and exclusions apply to earning cash back, as detailed in the Rakuten program terms and conditions.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Typically 3 months for spend-based bonuses; often 'first purchase' for smaller bonuses.
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, high cumulative credit limit across Synchrony accounts, unusual spending patterns, frequent returns, abuse of cash back systems, late payments or defaults on any Synchrony account.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Strong cash back on Rakuten purchases, no annual fee, useful for regular Rakuten shoppers, general 1% cash back on all other purchases.
Top Negative Feedback:
Lower general cash back rate compared to some competitors, potential for high APR, customer service issues reported with Synchrony, limited bonus category.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver
Card Value Score: 75.0 / 100
Est. Annual Rewards: $220.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% Rakuten / 70% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0