The Rakuten Visa + Booking.com Visa is a personal credit card from Rakuten Visa + Booking.com Visa. [SOFT PULL ONLY] | EXPERT REFERENCE (Dec 2025): Credit bureau: TransUnion | EXPERT REFERENCE (Dec 2025): Approval flow: Soft pull first, decision with credit limit shown before acceptance | EXPERT REFERENCE (Dec 2025): Availability: Nationwide | EXPERT REFERENCE (Mar 2026): Credit bureau: TransUnion | EXPERT REFERENCE (Mar 2026): Approval flow: Soft pull first, decision with credit limit shown before acceptance | EXPERT REFERENCE (Mar 2026): Availability: Nationwide