根據 doc 消息，這張卡將由 Synchrony Premier 卡取代。這張卡所有消費都有 2% 現金回饋，而且還有 $100 獎勵。目前還不清楚這是否算是新開一張卡，畢竟同樣都屬於 Synchrony 旗下。不過根據信中的說法，
先前 Rakuten 曾推出自家的信用卡，可額外獲得 3% 現金回饋。可惜這張卡現在已經無法申請了，
根據 Rakuten 發布的 FAQ，目前持卡人仍可繼續使用這張卡，但已於 7 月 27 日收到 email，並會在 8 月 1 日當週收到實體信件，通知這張卡即將關閉。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。只要是有現金回饋的網站，都能再額外拿到 3% 現金回饋。特別適合一些原本現金回饋不高、但消費金額可能很高的商家，像是 Walmart、Target、Best Buy 等。
這張卡的主要特色如下：
- 使用 Rakuten 信用卡透過 Rakuten 現金回饋網站購物，可以額外獲得 3% 現金回饋
- 如果你的 Rakuten 帳戶是賺取 Membership Rewards，則可額外獲得 3x MR 回饋
例如原本 saks 在 Rakuten 有 10% 現金回饋，使用這張聯名信用卡購買後，就可獲得 10%+3% 的現金回饋。如果你的帳戶是 MR 帳戶，則可獲得 10x+3x=13x MR，真的很不錯。
