Rakuten AI Agent
AI-powered spending assistant in the Rakuten Card Lite app that answers questions about credit card statements.
What is Rakuten AI Agent?
Rakuten AI Agent is a proprietary AI assistant integrated into the Rakuten Card Lite app, launched on February 19, 2026. It allows users to get instant answers about their credit card statements through conversational queries. The AI agent can summarize monthly spending in chronological order, show selected statements within a designated period, and display estimated spending amounts by category (such as supermarkets or restaurants). Available for free to all Rakuten Card members in English and Japanese, with plans to expand to more languages and broader service inquiries later in 2026.
Best for: Rakuten Card members · Japanese users · Simple spending queries
Developer Stack Fit
Quick read on where Rakuten AI Agent fits in a software team's AI stack. Validate final fit against your codebase, data policy, and deployment model.
- Stack layer
- Secondary/general AI
- Deployment model
- Cloud SaaS
- Open-source status
- Not confirmed
- API support
- Not a primary API tool
- MCP support
- No MCP signal found
- Security posture
- Review vendor privacy and data retention
- Best use case
- Rakuten Card members
Key Features
- 01
Conversational AI interface for spending queries
Free AI spending assistant for Rakuten Card members
- 02
Monthly spending summary in chronological order
Natural language queries about credit card statements
- 03
Statement viewing for custom date ranges
Spending categorization and insights
- 04
Spending breakdown by category (supermarkets, restaurants, etc.)
A core productivity capability that teams use daily.
- 05
Bilingual support: English and Japanese
A core productivity capability that teams use daily.
- 06
Part of Rakuten's "AI-nization" initiative
A core productivity capability that teams use daily.
- 07
Plans to expand to more languages and general inquiries
A core productivity capability that teams use daily.
Pros & Cons
What stands out
- Completely free for Rakuten Card users
- No setup required—works within existing app
- Useful for tracking spending habits and identifying patterns
- Backed by Rakuten's AI infrastructure
Watch outs
- Requires Rakuten Card membership
- Currently limited to Card Lite app (English)
- Japanese language app support coming later in 2026
- Only available in Japan market initially
Pricing Plans
Rakuten AI Agent Pricing
Choose the perfect plan for your needs. All plans include our core features with different usage limits and advanced capabilities.
Free
Need a Custom Solution?
Looking for enterprise features or custom pricing? Contact Rakuten AI Agent directly for tailored solutions.
Contact SalesMost teams land on the Free plan.
Alternatives
FAQ
What is Rakuten AI Agent and how does it work?
Rakuten AI Agent is a productivity tool that ai-powered spending assistant in the rakuten card lite app that answers questions about credit card statements.. It uses AI to help users improve productivity through analyzing input and generating relevant output.
Is Rakuten AI Agent free to use?
Rakuten AI Agent offers a completely free plan. You can get started without paying anything.
Is there a free plan or trial?
Rakuten AI Agent doesn't offer a traditional free trial, but provides a money-back guarantee on paid plans.
What can Rakuten AI Agent do?
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Rakuten AI Agent
Free