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Rakuten

App Service · Other money matters · 10 mentions · 3 subreddits · discussed in r/CreditCards, r/personalfinance, r/Frugal

Reddit take

Not enough linked mention summaries yet; the source excerpts below are the evidence.

Pros

  • Parent context: Rakuten is notorious for not crediting award points. Reply: Have had zero issues with this. People just need to disable their ad blockers when using it. I use a separate browser just for shopping that has no Adblock and h...
  • Start by opening a NISA account this month and putting even ¥10,000/month into a simple global index fund (like an All Country fund) - it’s Japan’s tax-free investment program, takes 20 minutes to set up online through any major Japanese...
  • I ended doing rakuten + SoFi for $450 and a competitive apr.
  • I usually reccomend Amex for NYC Amex Gold Blue Biz Plus Rakuten
  • Rakuten

Cons

  • The only problem I have with Rakuten is that I have to go back on 90% of my purchases and re-apply for missing points. It never seems to track for me regardless of which browser I use. 0 restaurants have automatically tracked for me so f...
  • Rakuten is notorious for not crediting award points.

Sentiment

8 positive (80%) · 0 mixed (0%) · 2 negative (20%)

Trust + time weighted score: +55% · raw score 60%

What redditors said (10 of 10)

Parent context: Rakuten is notorious for not crediting award points. Reply: Have had zero issues with this. People just need to disable their ad blockers when using it. I use a separate browser just for shopping that has no Adblock and has the Rakuten extension and I’m up to $2000+ lifetime in rewards.
positive · u/T****s · r/CreditCards · comment · Jul 23, 2025 · open on Reddit ↗
The only problem I have with Rakuten is that I have to go back on 90% of my purchases and re-apply for missing points. It never seems to track for me regardless of which browser I use. 0 restaurants have automatically tracked for me so far this year.
negative · u/m****o · r/CreditCards · comment · Jul 22, 2025 · open on Reddit ↗
Start by opening a NISA account this month and putting even ¥10,000/month into a simple global index fund (like an All Country fund) - it’s Japan’s tax-free investment program, takes 20 minutes to set up online through any major Japanese broker - like SBI Securities or Rakuten, requires zero trading knowledge, and lets the weak yen actually work FOR you since your money buys foreign assets that gain value as the yen stays weak.
positive · u/v****s · r/personalfinance · comment · Dec 25, 2025 · open on Reddit ↗
I ended doing rakuten + SoFi for $450 and a competitive apr.
positive · u/b****t · r/personalfinance · comment · Dec 24, 2025 · open on Reddit ↗
I usually reccomend Amex for NYC Amex Gold Blue Biz Plus Rakuten
positive · u/P****0 · r/CreditCards · comment · Nov 13, 2025 · open on Reddit ↗
Rakuten
positive · u/D****8 · r/Frugal · comment · Jul 23, 2025 · open on Reddit ↗
Rakuten is notorious for not crediting award points.
negative · u/C****l · r/CreditCards · comment · Jul 23, 2025 · open on Reddit ↗
Amex gives me access to Rakuten for earnings points through shopping. I know CapitalOne gives extra miles for shopping too, but Rakuten is far easier to use(ex Chrome plugin) than CapitalOne.
positive · u/m****1 · r/CreditCards · comment · Feb 18, 2025 · open on Reddit ↗
As I understand, I can link my other cards and get BILT points when I swipe those just like I do with Rakuten.
positive · u/B****a · r/CreditCards · comment · Jan 21, 2025 · open on Reddit ↗
I haven’t heard much about how Rakuten handles things, but I really love how they integrate Amex MR points
positive · u/F****7 · r/CreditCards · comment · Jan 2, 2025 · open on Reddit ↗

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