Rakuten Credit Card Increasing 4% Earning Cap, Adding $100 Referral

Rakuten has announced that on July 15, 2026 the earning cap on Rakuten purchases earning 4% will increase from $7,500 to $10,000.The change is already in effect for new applicants with the landing page reflecting the new changes.

In addition they will be launching a $100 referral bonus.The referral bonus will only be interesting if it can be paired with the frequent $200 sign up bonus that is offered.

Hat tip to michikade

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.