Rakuten Card runs a monthly “Ato-Ribo” (後からリボ払い) campaign where you can earn 2,000-4,000 Rakuten points simply by converting purchases to revolving payments. With the method explained in this guide, you can earn these points while paying almost zero interest!
📅 Current Campaign (January 2026)
Campaign Period: January 9 (Fri) – January 22 (Thu), 2026
| Requirement | Reward | Effective Rate |
|---|---|---|
| Ato-Ribo ¥40,000+ | 2,000 points | 5.0% |
| Ato-Ribo ¥70,000+ | 4,000 points | 5.71% |
⚠️ You must set “Ribo Payment Course” to ¥10,000 or less
🤔 What is “Ato-Ribo”? Is it Safe?
“Ato kara Ribo-barai” (後からリボ払い) is a Rakuten Card service that allows you to convert one-time payments, installment payments, or bonus payments into revolving payments after the purchase.
“Ribo” (revolving payment) has a scary reputation—and rightfully so. Normal revolving payments carry an annual interest rate of 15%, which is a major profit source for credit card companies.
⚠️ Key Point
The secret to this strategy: Make early repayment immediately after setting Ato-Ribo. This keeps interest charges near zero.
If you forget to repay early and let the balance revolve, that’s when it becomes dangerous! Always complete repayment before the deadline.
💰 Profit Calculation: Is It Worth It?
For the ¥70,000 tier:
| Item | Amount/Points |
|---|---|
| Campaign Reward | +4,000 points |
| Ribo Interest (with immediate repayment) | Approx. ¥0-100 |
| Transfer Fee (using fee-free bank) | ¥0 |
| Net Profit | Approx. 3,900-4,000 points |
📊 Interest Calculation
Daily interest rate is approximately 0.0411% (15% annual ÷ 365 days).
If you leave ¥70,000 for 5 days before repaying:
70,000 × 0.000411 × 5 = approx. ¥144
If you repay the same day, interest is nearly zero.
📋 5-Step Strategy
1 Entry (Register)
Log in to Rakuten e-NAVI and find the “Ato kara Ribo-barai Campaign” in the Campaigns page. Click to register.
⚠️ Note
This is an invitation-only campaign and not visible to all users. If you can’t see it, you may not be currently eligible.
💡 Tip: Visiting the “Ato kara Ribo-barai” page in e-NAVI may sometimes trigger the campaign notification.
2 Set Ribo Payment Course to ¥10,000 or Less
In e-NAVI, navigate to:
“Ribo・Bunkatsu・Cashing” → “Ribo-barai” → “Ribo Payment Course Change”
Set the monthly payment amount to ¥10,000 or less (¥10,000 recommended to minimize damage if you forget to repay).
❌ NEVER check “Jidou Ribo Service” (Auto-Ribo)!
3 Make Purchases with Your Rakuten Card
Use your Rakuten Card for purchases and wait for them to appear in your statement.
📌 Recommended Methods:
| Method | Statement Reflection | Recommendation |
|---|---|---|
| Rakuten Cash Charge | 5-7 days | ⭐⭐⭐ Most Practical |
| JAL Pay Charge | 3-4 days | ⭐⭐⭐ |
| Amazon Gift Card | 2-3 days | ⭐⭐ |
| Regular Shopping | 2-4 days | ⭐⭐⭐ |
⏰ Time is Tight! Act Early!
After charging, it takes time for transactions to appear in your statement. Rakuten Cash charges take 5-7 days.
If you don’t have enough spending, charge Rakuten Cash immediately. Start early and don’t wait until the last few days!
💡 Tip
If unsure whether transactions will reflect in time, test with a small amount (¥1,000) first, then proceed with larger charges.
4 Convert Statement Items to “Ato-Ribo”
Once items appear in your statement, go to the “Ato kara Ribo-barai” page in e-NAVI, check the items you want to convert, and confirm.
Deadline: Up to the 24th of the payment month (varies by bank)
❌ Cannot Convert to Ato-Ribo:
- Rakuten Securities credit card investment purchases
- Items already on installment or ribo payment
5 Make Early Repayment Immediately ⭐Most Important
This is the most crucial step! After setting Ato-Ribo, make early repayment the same day to minimize interest.
📅 Early Repayment Deadline: February 10 (Tue), 2026
Method A: e-NAVI Full Repayment (Recommended)
Since July 2025, you can make full early repayment directly through e-NAVI.
- Log in to e-NAVI → “Payment Related Services” → “Payment Before Due Date”
- Select your preferred repayment date
- Confirm the amount and apply
- Transfer to the specified Rakuten Bank account
- Complete transfer by 15:00 on the selected date
⚠️ This method only supports full repayment. Partial repayment is not available.
Method B: Chat Repayment (Partial Amount OK)
If you only want to repay the Ribo portion, use Chat Support:
- Go to “Chat Support” in e-NAVI
- Type “あとからリボを先に返済したい” (I want to repay Ato-Ribo early)
- Follow the instructions
- Get the transfer account details and complete payment
📞 Operating Hours: 9:30-25:30
💡 Transfer Tips
The transfer destination is Rakuten Bank. Use fee-free transfer methods:
- ✅ Rakuten Bank to Rakuten Bank (free)
- ✅ SBI Sumishin Net Bank (several free transfers/month)
- ✅ MUFG Bank (Platinum status)
- ✅ Sony Bank (several free transfers/month)
📅 Timeline Reference
Entry + Set Ribo Payment Course + Start spending
Wait for statement reflection (Rakuten Cash: ~5-7 days)
Confirm statement + Convert to Ato-Ribo
Complete Ato-Ribo settings
Make early repayment (sooner is better!)
❓ FAQ
A: Yes! Based on past experience, as long as you meet the campaign conditions (Entry + Ribo payment course setting + Ato-Ribo conversion), you’ll receive the campaign points even with early full repayment.
A: The Ato-Ribo campaign is invitation-only. If you can’t see it:
- Use your Rakuten Card regularly and pay on time
- Visit the “Ato kara Ribo-barai” page in e-NAVI (may trigger notification)
- Be patient—new cardholders typically receive invitations after 3-4 months
A: No. According to financial regulations, investment trust purchases must be one-time payments and cannot be converted to revolving payments.
A: Yes! While regular points may not be earned on e-money charges, campaign points are still eligible.
A: Typically 1-2 times per month. You can participate repeatedly to accumulate points!
⚠️ Important Reminders
- ❌ NEVER check “Auto-Ribo Service”—all purchases will become revolving payments!
- ⏰ Plan ahead—statement reflection and Ato-Ribo conversion take time
- 💳 Ribo interest starts from the day you set it—repay as soon as possible
- 🏦 Complete transfer by 15:00 on your chosen repayment date
- 📱 Campaign points are limited-time points—use them before expiration (Rakuten Pay recommended)
- 🔄 This campaign runs monthly—participate repeatedly to earn more points
🎁 Don’t Have a Rakuten Card Yet?
If you don’t have a Rakuten Card yet, now is a great time to apply! Use the link below to get 6,000 points as a sign-up bonus.
Rakuten Card is permanently free, and you get SPU benefits when shopping on Rakuten Ichiba. We recommend JCB brand (allows JAL Pay and FamiPay charges).