Credit Card Guide

💳 Rakuten Card “Ato-Ribo” Campaign Guide Earn 2,000-4,000 Rakuten Points with Almost Zero Interest! 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! Key Takeaways：Rakuten Card runs a biweekly ‘Ato-Ribo’ campaign where you can score 2,000–4,000 points just by temporarily converting purchases to revolving payments. The trick: repay immediately after enrolling so you pay virtually zero interest, turning a ‘scary’ ribo into a nearly free point harvest. Spend ¥70,000 (Rakuten Cash charges work great), repay fast, and pocket ~4,000 points with almost no cost. 📅 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”