Credit Card Guide

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. 💳 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! 📅 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”