Rakuten Cash Back Visa® Credit Card

Synchrony Visa Pending

Back Apply Now

9

Benefits

2

Reward Categories

3x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: rakuten-cash-back-visa

Issuer: Synchrony

Card Name: Rakuten Cash Back Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:43

Last Scraped: Feb 07, 2026 06:07

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of credit to an annual percentage rate of 36 percent, including certain fees. For more information, call 1-866-419-4096.

Rewards Program (Detailed) 2 Categories

PENDING

Category	Rate	Type	Description	Annual Cap	Status
Rakuten Online Shopping	3x	Cash Back	Qualifying purchases made through Rakuten.com or the Rakuten App.	No Cap
All Other Purchases	1x	Cash Back	All other purchases everywhere Visa credit cards are accepted.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 3x

Categories: Additional 3% cash back on qualifying purchases made through Rakuten.com

Quarterly Rotating: No

Expiration Policy: Cash Back earned does not expire as long as your Rakuten account remains active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum $5.01 cash back balance required for payout.

Benefits & Protections (Detailed) 9 Total

PENDING

Financial 1

No Annual Fee

The Rakuten Cash Back Visa® Credit Card has no annual fee.

Security 3

Visa Zero Liability Protection

Full Protection

Protects cardholders from unauthorized purchases made with their Rakuten Cash Back Visa® Credit Card. Cardholders are not responsible for fraudulent charges.

Visa Emergency Card Replacement

Expedited Replacement

Provides expedited replacement of a lost or stolen Rakuten Cash Back Visa® Credit Card.

Visa Emergency Cash Disbursement

Emergency Cash Access

Provides emergency cash to cardholders if their Rakuten Cash Back Visa® Credit Card is lost or stolen.

Shopping 3

3% Cash Back on Rakuten Purchases

3% Cash Back

Earn unlimited 3% Cash Back on qualifying purchases made through Rakuten.com or the Rakuten App when using the Rakuten Cash Back Visa Credit Card.

1% Cash Back on All Other Purchases

1% Cash Back

Earn unlimited 1% Cash Back on all other qualifying purchases made everywhere else Visa® credit cards are accepted, outside of Rakuten.com or the Rakuten App.

Welcome Bonus

$10 Bonus

Receive a $10 Rakuten Cash Back Bonus after making your first purchase with the Rakuten Cash Back Visa® Credit Card.

Travel Assistance 2

Visa Roadside Dispatch

Pay-per-use service

A pay-per-use referral service that provides roadside assistance services such as towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Service fees apply.

Visa Travel and Emergency Assistance Services

Referral Service

Provides a range of referral services for cardholders when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

PENDING

$10

Cash Back

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Authorized User Fee:	$0.00
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If you have a promotional financing plan, you may avoid interest on the promotional purchase if you pay the promotional balance in full by the end of the promotional period. If you do not, all of the interest that has accrued on the promotional purchase from the date of purchase will be added to your balance.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 739

Approval Odds

Good

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not Available

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: The Rakuten Cash Back Visa typically offers 1% cash back on all purchases, plus an additional percentage (historically 1.5% or 3%) on Rakuten.com purchases, effectively yielding 2.5% or 4% back on Rakuten.com. Sign-up bonuses, such as $100 after meeting a specified spend threshold (e.g., $500), are common. Eligibility requirements for 2026 are projected to remain consistent with current Synchrony standards: applicants must be 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a U.S. mailing address, and generally demonstrate good to excellent credit (FICO score typically 670+). Synchrony assesses overall creditworthiness, existing relationships with Synchrony, recent credit inquiries, and total credit exposure across all Synchrony accounts. Approval is subject to Synchrony's internal credit policies, which may include limits on the number of Synchrony accounts or total credit extended.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), excessive credit limit utilization across Synchrony accounts, rapid succession of new account openings, frequent balance transfers without genuine spending, payment defaults, suspicious account activity, and attempts to exploit promotional offers beyond their intended use.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' or 'once per lifetime' rules for co-branded cards like the Rakuten Visa, unlike some major issuers. However, overall credit exposure across all Synchrony accounts (including store cards) is a significant factor. Applying for too many Synchrony cards within a short period or accumulating a very high total credit limit with Synchrony can lead to application denials or account closures, even if individual card rules are met. The 'store-specific restrictions' primarily refer to the co-branded nature and how the card integrates with Rakuten's ecosystem, rather than complex family rules.

Special Events: The Rakuten Cash Back Visa is intrinsically linked to Rakuten's promotional calendar. Expect enhanced cash back rates or special offers during Rakuten's 'Big Fat Check' periods, seasonal sales events (e.g., Spring, Summer, Fall sales), and specific merchant promotions available through Rakuten.com. These events often provide opportunities for accelerated earnings.

Holiday Promos: Aligns with major shopping holidays and Rakuten's own promotional cycles, including but not limited to Black Friday, Cyber Monday, Green Monday, Valentine's Day, Mother's Day, Father's Day, and back-to-school periods. Increased cash back rates or special bonuses are frequently offered during these peak shopping times.

International Friendly: No

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent cashback for Rakuten shoppers, simple rewards program, no annual fee, easy to earn rewards.

Top Negative:
Lower general cashback rate compared to other cards, occasional customer service issues with Synchrony, limited benefits outside of Rakuten ecosystem.

Approval Experience: 70.0 / 100

Recommended Alternatives

Chase Freedom Unlimited
Citi Double Cash Card
PayPal Cashback Mastercard

Card Value Score: 75.0 / 100

Est. Annual Rewards: $210.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0