- Rakuten Card Co., Ltd.
- Mizuho Bank, Ltd.
- UPSIDER, Inc.
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Tokyo, September 30, 2026 - Rakuten Card Co., Ltd. today announced that it will begin accepting applications for, and issuing, the Rakuten Business Card Platinum on October 1, 2026. The new corporate credit card was co-developed with UPSIDER, Inc. and is a key initiative of Rakuten Card's business alliance with Mizuho Bank, Ltd. To mark the launch, Rakuten Card will also kick off a sign-up campaign on the same day.
In November 2024, six companies including Mizuho Bank and Rakuten Card signed a business alliance agreement*1, under which Mizuho Bank and Rakuten Card launched the co-branded Mizuho Rakuten Card in December 2024*2. Building on that alliance, the companies co-developed the Rakuten Business Card Platinum with UPSIDER, a member of Mizuho Financial Group, specifically for corporate customers.
To deliver a superior experience for small and medium-sized enterprises (SMEs), the card is built on UPSIDER's technology platform, which is widely recognized for its unique credit model for corporate cards and its intuitive app experience.
Key features
- Credit limits of up to 1 billion yen to drive business growth
Original underwriting tailored to each company's business conditions enables credit limits of up to 1 billion yen. Startups and SMEs can count on ample credit even in growth phases when spending on advertising, procurement and other costs runs high.
- Accounting system integration to streamline back-office operations
The card connects automatically with major accounting systems. Simplifying the import of transaction data and journal entries significantly reduces the workload on accounting teams and helps companies close their monthly books faster.
- No annual fee and 1% back in Rakuten Points
The card carries no annual fee, and cardholders earn Rakuten Points worth 1% of card spending*3, turning everyday business expenses into real cost savings. Linking with services across the Rakuten Ecosystem can help companies optimize their costs even further.
Through the Rakuten Business Card Platinum, Rakuten Card aims to give corporate customers flexible access to the credit they need to run their businesses and deliver tangible cost savings, while modernizing accounting processes that still rely heavily on paper and manual work. In doing so, the card will help companies strengthen governance and accelerate their digital transformation.
With this launch, Rakuten Card's lineup of business credit cards expands to three products: the Rakuten Business Card, available to sole proprietors as a supplementary card to the Rakuten Premium Card; the new Rakuten Business Card Platinum; and the Rakuten Corporate Card for large enterprises, for which applications and issuance also begin on October 1, 2026.
Rakuten Card has issued 34.31 million cards (as of the end of June 2026) and recorded gross transaction volume of 26.5 trillion yen in 2025. The company is extending this payment infrastructure, together with the synergies of the Rakuten Ecosystem, into the corporate sector, offering distinctive payment and marketing support services that help businesses and sole proprietors accelerate their growth.
As a member of Mizuho Financial Group, UPSIDER provides financial services for businesses, including its flagship UPSIDER corporate card. Its proprietary credit model evaluates companies not only on historical financial statements but also on real-time transaction data obtained via bank APIs and a multifaceted assessment of growth potential. UPSIDER is also known for features designed around how companies manage accounting and spending, including integrations with major accounting systems and real-time usage controls. UPSIDER provides this credit model and its card operations platform for the Rakuten Business Card Platinum.
By combining their respective expertise in financial services, Rakuten Card, Mizuho Bank and UPSIDER are driving the digital transformation of payments and accounting to support the corporate customers' growth. The Rakuten Business Card Platinum offers a high level of cash-flow flexibility, operational efficiency and cost benefits, providing a robust payment foundation for businesses of every kind, from startups to long-established companies.
Going forward, Rakuten Group and Mizuho Financial Group will work to maximize synergies between the two groups, enhancing convenience for customers across a broad range of areas and jointly exploring new services.
Rakuten Business Card Platinum overview
Card name: Rakuten Business Card Platinum
Issuer: Rakuten Card Co., Ltd.
Card brand: Visa
Annual fee: Free
Issuance fee: Free*4
Credit limit: Up to 1 billion yen*5
Number of cards: Unlimited*6
How to apply: Via the Rakuten Card website*7
Point rate: 1% (1 Rakuten Point per 100 yen spent)*3
Benefits (including campaign offers):
- 3x Rakuten Points on Rakuten Ichiba purchases*8
- Invitation to a special offer earning 3.5x Rakuten Points on domestic accommodation booked via Rakuten Travel (entry required; includes 1x regular points and 2.5x limited-time points)
- 250 Rakuten Points per line per month for Rakuten Mobile corporate line subscribers*9
- 2.5x Rakuten Points every month on GO Taxi rides for customers who newly sign up for GO Business via a dedicated form and set the card as their payment method*10
- Special pricing on Visa partner services through Visa Business Offers
Launch campaign: 10,000 Rakuten Points for new members
Application period: October 1, 2026, 12:00 a.m. - October 31, 2026, 11:59 p.m. (JST)
Issuance period: October 1, 2026, 10:00 a.m. - November 30, 2026, 11:59 p.m. (JST)
Reward: 10,000 Rakuten Points (regular points)
Points awarded: Around the end of December 2026
Eligibility: New Rakuten Business Card Platinum members whose card is issued by the end of the month following the month of application
Exclusions: Applications from individuals or sole proprietors; applicants for, or existing holders of, other Rakuten Card business cards (Rakuten Corporate Card or Rakuten Business Card); customers who have not received their card, or do not hold a usable card, as of the end of the month before points are awarded.
Details: Full terms and conditions will be published at 10:00 (JST) on October 1, 2026 here:
https://www.rakuten-card.co.jp/merchant/business-card-platinum/campaign/ (*Japanese page). A second and third round of the campaign are also being planned for a later date. Please see the site above for further details.
Notes
*1 For details on the business alliance among Rakuten Group, Rakuten Card, Mizuho Financial Group, Mizuho Bank, UC Card and Orient Corporation, see: https://global.rakuten.com/corp/news/press/2024/1113_12.html
*2 For details on the Mizuho Rakuten Card, see:https://global.rakuten.com/corp/news/press/2024/1114_03.html
*3 Some transactions are not eligible for points or may earn points at a different rate.
*4 An issuance fee of 1,540 yen (tax included) applies to each additional physical card from the second card onward.
*5 Credit limits are set based on the information provided during screening.
*6 The initial limit is 100 cards; this may be raised or removed subject to screening.
*7 Applications are not accepted at Mizuho Bank or UPSIDER branches or on their websites.
*8 Capped at 5,000 points per month.
*9 Applies to the unlimited voice + data plan only (basic monthly fee: 2,980 yen, excluding tax).
*10 The dedicated form can be accessed from the user management page, which is provided by email after the card application is approved. Capped at 500 points.
Product website: https://www.rakuten-card.co.jp/merchant/business-card-platinum/campaign/ (*Japanese page)
About Rakuten Card
Rakuten Card is a fintech services company established in July 2005. Through the expansion of credit card services and features, Rakuten Card aims to deliver exceptional customer satisfaction with financial services that are convenient, easy to use and personal.
For more information visit https://www.rakuten-card.co.jp/