Rakuten Card vs Upgrade
Rakuten Card vs Upgrade, compared side by side on 10 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Rakuten Card is on Not scored yet and Upgrade on 62/100.
Where each one leads
Rakuten Card
Leads on none of the measures we hold for both companies.
Upgrade
- agent readiness: 51/100 against 22/100
At a glance
| Measure | Rakuten Card | Upgrade |
|---|---|---|
| What it is | A leading Japanese fintech company providing credit card, loan, and guarantee services, integrated into the Rakuten ecosystem. | Consumer credit and mobile banking platform offering personal loans, credit cards, and checking accounts. |
| Category | Fintech, Payments, Credit Cards, Lending | Fintech, Lending, Neobank, Credit Cards |
| Sells toBusiness model | B2C | B2C |
| Offering | Software | services | platform | Platform |
| Founded | 2005 | 2016 |
| Headquarters | Tokyo, Japan | San Mateo, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Rakuten Card | Upgrade |
|---|---|---|
| Employees | Not published | 16 |
| Total funding | Not published | $871M |
| Valuation | Not published | $6K |
| LinkedIn followers | Not published | 58 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Rakuten Card | Upgrade |
|---|---|---|
| StartupHub scoreOur 0-100 rating | Not published | 62/100 |
| Traction | Not published | 52/100 |
| Team | Not published | 30/100 |
| Search visibility | Not published | 25/100 |
| Quality | Not published | 78/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (22/100) | D (51/100) |
| Domain ratingLink authority, 0-100 | 78/100 | 77/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Rakuten Card | Upgrade |
|---|---|---|
| Hosting | Azure | AWS |
| Frameworks | Not detected | Next.js, Bootstrap |
Rakuten Card vs Upgrade: common questions
Which is better, Rakuten Card or Upgrade?
On our 0-100 score Upgrade rates higher (62/100 against Not scored yet). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 10 data points above: read the rows that match what you are buying for.
How do Rakuten Card and Upgrade compare on the numbers?
Upgrade leads on agent readiness (51/100 against 22/100).
Read the full Rakuten Card review and pricing or the Upgrade review and pricing. You can also browse other Rakuten Card alternatives we track.