PayPal Cashback MastercardSynchrony Bank
Terms checked 2026-10-12
3% on everything you check out with PayPal, which is most of the internet.
Special bonusAF: $0Rating: 7.8/10
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.
★ 5.0/10Synchrony BankpersonalRakuten Cash Back
DiscontinuedBest for: Historical reference only
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 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 PayPal Cashback Mastercard, Sam's Club Mastercard, OnePay CashRewards Credit Card. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Rakuten Cash Back Visa is no longer open to new applicants. Compare these cards for a similar use.
Sam's Club MastercardSynchrony Bank
Terms checked 2026-10-12
5% on gas anywhere is still one of the best pump rates in the country.
$30 bonus (≈$30)AF: $0Rating: 7.4/10
OnePay CashRewards Credit CardSynchrony Bank
Terms checked 2026-10-12
Walmart's new house card: 5% back in-store and online with Walmart+.
$35 bonus (≈$35)AF: $0Rating: 7.3/10
Historical Offers Chart
Dated offer history for this discontinued product.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedDiscontinued, accounts closed September 2022 | Archive record · no attached snapshot |
| 2021-01 | $0 | No recorded spend | Earliest recordNo public bonus; the pitch was an extra 3% on Rakuten purchases | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Historical record · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xRakuten purchasesHistorical: stacked on top of regular Rakuten cash back
- 1xAll other purchasesHistorical
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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