Rakuten Cash Back Visa
By Alex Compton · Last verified
The original Rakuten card died in 2022; the brand came back in 2025 as an Imprint-issued Amex.
Welcome Bonus
None
Program ended September 17, 2022; all accounts closed. Successor is the Rakuten American Express Card powered by Imprint, launched July 2025
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Common Questions
Is the Rakuten Cash Back Visa discontinued?
Yes. Program ended September 17, 2022; all accounts closed. Successor is the Rakuten American Express Card powered by Imprint, launched July 2025. The original Rakuten card died in 2022; the brand came back in 2025 as an Imprint-issued Amex.
What can I use instead of the Rakuten Cash Back Visa?
The closest open alternatives we track are the Capital One Savor, Bilt Mastercard, Chase Freedom Unlimited. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Rakuten Visa is gone, but these cards do a similar job and are still accepting applications.
3% on dining, groceries, entertainment and streaming. No fee.
The only card that earns points on rent with no fee.
1.5x on everything, and a points multiplier when paired with a Sapphire.
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xRakuten purchases
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Historically stacked an extra 3% on top of Rakuten portal cash back
- ✦Synchrony and Rakuten ended the program mutually; holders were offered a generic Synchrony Mastercard
- ✦Rakuten relaunched plastic in July 2025 with Imprint: an Amex earning an extra 4% on Rakuten purchases up to $7,000 a year
Why it earns its spot
- +Portal stacking was a clever idea executed adequately
- +No annual fee while it existed
Where it costs you
- −Dead since September 17, 2022, with accounts closed outright
- −Replacement Synchrony Mastercard kept none of the Rakuten earning
- −Anyone searching for it today wants the Imprint-issued Rakuten Amex instead
The Compound Verdict
Kept on file because people still search for it. Synchrony killed this card in 2022 and closed every account, an unusually abrupt ending even by Synchrony standards. The Rakuten cobrand torch passed to Imprint in 2025 with a much stronger Amex product, which is where any Rakuten devotee should look now.
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