根據 doc 消息，這張卡將由 Synchrony Premier 卡取代；新卡所有消費可享 2% 現金回贈，另外還有 $100 獎勵。暫時仍不清楚這是否算作新開一張卡，畢竟兩者同樣都是 Synchrony 旗下的卡。不過根據信中所說，
之前 Rakuten 曾推出自家的信用卡，可獲額外 3% 現金回贈。可惜這張卡現在已經無法申請，
根據 Rakuten 發布的 FAQ，這張卡目前的持卡人仍可繼續使用此卡，但已於 7 月 27 日收到 email，並會在 8 月 1 日當週收到實體信，通知這張卡將會停用。到了 9 月 17 日，這張卡將正式被強制關閉。
Why is the credit card program being discontinued?Synchrony and Rakuten have mutually agreed to end the Rakuten Cash Back Visa® Credit Card program.
What can I expect from Rakuten?
As a Rakuten member, you’ll continue to earn Cash Back when you shop with the Rakuten app, browser extension and on Rakuten.com. We’re working on exciting new ways for you to earn even more Cash Back in the future, so keep an eye on your email for upcoming Rakuten Cash Back promotions and new programs just for you!
What communication can I expect from Synchrony Bank?
You received an email from Synchrony Bank on 7/27/22, and will receive a letter in the mail the week of 8/1/22 with full details about the end of the Credit Card Program. You received an email from Synchrony Bank on 7/27/22, and will receive a letter in the mail the week of 8/1/22 with full details about the end of the Credit Card Program.
What action do I need to take?
You don’t need to do anything. You can continue to make purchases and earn Cash Back with your Rakuten Cash Back Visa Credit Card through September 17, 2022. More information will be provided from Synchrony Bank about your card in the coming weeks.
What will happen to my Cash Back?
If you made eligible purchases using your Rakuten Cash Back Visa Credit Card, any earned Cash Back will be added to your Rakuten account and sent as part of your next Cash Back payment. For more information about your Cash Back, log in to your account at Rakuten.com.
Can I still earn Cash Back?
Of course! As a Rakuten member, you’ll continue to earn Cash Back when you make qualifying purchases via the Rakuten app, browser extension or on Rakuten.com, even after the Rakuten Cash Back Visa Credit Card program has ended.
Who do I contact if I have questions regarding my Rakuten Cash Back Visa® account?
For questions, you can contact Synchrony Bank at 1-855-697-4555.
回顧一下這張卡，其實相當神。只要是在有現金回贈的網站消費，都能再額外多拿 3% 現金回贈。特別適合一些本身現金回贈比例不高、但消費金額可以很大的商戶，例如 Walmart、Target、Best Buy 等。
這張卡的主要特點是：
- 使用 Rakuten 信用卡透過 Rakuten 現金回贈網站購物，可額外獲得 3% 現金回贈
- 如果你的 Rakuten 帳戶是賺取 Membership Rewards，則可額外獲得 3x MR 回贈
例如原本 saks 在 Rakuten 有 10% 現金回贈，使用聯名信用卡購買後，就可獲得 10%+3% 的現金回贈。如果你的帳戶是 MR 帳戶，則可獲得 10x+3x=13x MR，十分強勁。
