Rakuten Points

I Heard 'Days Ending in 5 and 0' Give 4x Points — Turns Out It's Only +1x on Its Own

I Heard 'Days Ending in 5 and 0' Give 4x Points — Turns Out It's Only +1x on Its Own

Photo: Rakuten Card (Used for promotional purposes) via event.rakuten.co.jp

Good morning. This is まさきん.

You often see the “Days Ending in 5 and 0” campaign described as giving “4x points.”

Tomorrow happens to be one of the target days, so I decided to check the actual breakdown.

The “4x” Is Actually the Sum of Four Different Boosts

Let’s start with the conclusion: the 4x figure itself isn’t wrong.

But looking at the breakdown changes the picture. It’s made up of 1x base points, 1x for Rakuten Card usage, 1x for SPU bonuses, and 1x for the day’s special bonus, adding up to a total of 4x.

CHECK
  • Base points: 1x
  • Rakuten Card usage: 1x
  • SPU bonus: 1x
  • “Days Ending in 5 and 0” bonus: 1x
  • Total: 4x

In other words, that 4x assumes you’re already stacking three separate multipliers as your foundation. If you’re not using a Rakuten Card, or you don’t qualify for SPU, you won’t hit that number.

Try the fee simulator and get 100 points, no sign-up required If you're reviewing fixed costs, start by checking your phone bill

Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.

The Campaign Itself Only Adds +1x

The boost from “Days Ending in 5 and 0” itself is just +1x.

The target days are the 5th, 10th, 15th, 20th, 25th, and 30th of each month. Apparently February is the only month without a 30th, so it skips that one.

You need to enter every single time the campaign runs, not just once. The monthly cap on points earned is 1,000 points.

Warning

As a rule, combining this with other campaigns means each one is counted and awarded separately. That said, the terms mention that some campaigns don’t stack. Tomorrow also happens to fall during Super SALE, but since Rakuten hasn’t officially stated how the two interact, I’d rather treat them as separate for now.

Installment Payments Add Even More on Top

It looks like there’s a separate bonus tier of up to +4x if you use installment payments. Stack everything together, and the total maxes out at 8x.

This is one part I’d treat carefully. Installment payments usually come with fees, and paying a fee just to chase points can end up costing you more than you gain. Personally, I’m not going that far.

Summary

“Days Ending in 5 and 0” only reaches 4x once you add up four separate pieces: base points, card usage, SPU, and the day’s bonus. On its own, it only adds +1x.

How much you actually earn depends on whether you already have that foundation in place, meaning Rakuten Card usage and SPU-eligible services.

The terms and multipliers may change going forward, so before making any purchase, I’d recommend double-checking the latest details on the official site.

In terms of building that foundation, reviewing your fixed costs could also be a good opportunity to add more SPU-eligible services.

Try the fee simulator and get 100 points, no sign-up required Consider Rakuten Mobile as a step toward more SPU coverage

Clicking this opens the Rakuten login page. Once you log in, you’ll see the campaign details.

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This article includes machine-translated content. Please check the official Rakuten Mobile multilingual page for exact terms.

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ABOUT THE AUTHOR
まさきん

Rakuten Group employee · Digital Marketer (holds a Financial Planner qualification)

In his early 40s, part of a dual-income household with four kids. Works as a digital marketer at Rakuten Group, while also using his Financial Planner (FP) qualification to focus on household finances and building assets.

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