根据 doc 消息，这张卡将被 Synchrony Premier 卡替代，这张卡提供所有消费 2% 的返现，而且还有 $100 的奖励。尚且不清楚这个算不算新开一张卡，毕竟同是 Synchrony 的旗下的卡。不过根据信中说，

之前 Rakuten 推出了自己的信用卡，可以获取额外 3% 的返现。可惜现在这张卡已经无法申请了，

根据 rakuten 发的 FAQ，这张卡目前的持卡人还能继续使用这张卡，但是在 7 月 27 会收到 email，在 8 月 1 日收到实体信，告知这张卡将被关卡。在 9 月 17 日，这张卡将正式被强制关闭。

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.

回顾一下这个张卡，其实挺神的。只要能有返现的网站，都能额外 3% 返现。特别适合一些本身返现低，但是消费可以很高的点，walmart、target、bestbuy 等。

这张卡其主要特点就是：

  • 使用 rakuten 信用卡通过 rakuten 返现网购物，可以额外获取 3% 的返现
  • 如果你的 Rakuten 账户是赚取 Membership Rewards，则可以获取额外 3x MR 的返点

比如原来 saks 在 rakuten 有 10% 的返现，使用联名信用卡购买后，就可以获取 10%+3% 的返现。如果你的账户是 MR 账户，则可以获取 10x+3x=13x MR，非常给力。