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Rakuten Cash Back is the rewards currency earned through the Rakuten shopping portal and the Rakuten American Express Card. While the default earning is straightforward cash back at 1.0 cpp, the program's real value lies in its conversion pathways: Amex Membership Rewards (1:1, ~2.0 cpp) and Bilt Rewards (1:1, ~1.7 cpp). For cardholders with an existing MR-earning Amex card, Rakuten effectively becomes a 2x earning channel on portal purchases — making the $0 annual fee card punch well above its weight.
Rakuten American Express Card launched, replacing the discontinued Rakuten Cash Back Visa. Issued by First Electronic Bank via Imprint with 4% Rakuten bonus, 2% grocery/dining, and no annual fee.
Grocery and dining bonus categories (2% each) added to the Rakuten Amex card, expanding value beyond portal-only purchases.
Bilt Rewards integration launched, allowing 1:1 conversion of Rakuten Cash Back to Bilt Points as an alternative to Amex MR conversion.
Go to your Rakuten account settings and change your earning preference from Cash Back to Membership Rewards points. You must have another Amex card that earns MR points (e.g., Amex Gold, Platinum, or Green). Once enabled, all future earnings from both the portal and the Rakuten Amex card are deposited as MR points instead of cash.
Rakuten pays out quarterly on February 15, May 15, August 15, and November 15. You need a minimum confirmed balance of $5.01 to receive a payout. Payment is via check or PayPal (your choice). Gift card redemption is available anytime via the Rakuten app with a $5 minimum.
Yes. When you use the Rakuten Amex card for purchases through Rakuten, you earn the store's portal cash back rate PLUS an extra 4% from the card. For example, if a store offers 5% via Rakuten portal, you'd earn 5% portal + 4% card = 9% total. The 4% card bonus is capped at $7,000 in Rakuten credit card spending per calendar year.
The extra 4% cash back on Rakuten purchases applies to the first $7,000 in Rakuten credit card spending per calendar year. After reaching the cap, Rakuten purchases earn 1% from the card (portal cash back still applies normally). Rakuten Dining spend does not count toward this cap.
Yes. Rakuten partnered with Bilt Rewards to allow 1:1 conversion of Rakuten Cash Back to Bilt Points. You need a Bilt Rewards account (the free membership works — no Bilt credit card required). Set your earning preference to Bilt Points in your Rakuten account settings.
Rakuten Cash Back is the rewards currency earned through the Rakuten shopping portal and the Rakuten American Express Card. While the default earning is straightforward cash back at 1.0 cpp, the program's real value lies in its conversion pathways: Amex Membership Rewards (1:1, ~2.0 cpp) and Bilt Rewards (1:1, ~1.7 cpp). For cardholders with an existing MR-earning Amex card, Rakuten effectively becomes a 2x earning channel on portal purchases — making the $0 annual fee card punch well above its weight.
Rakuten American Express Card launched, replacing the discontinued Rakuten Cash Back Visa. Issued by First Electronic Bank via Imprint with 4% Rakuten bonus, 2% grocery/dining, and no annual fee.
Grocery and dining bonus categories (2% each) added to the Rakuten Amex card, expanding value beyond portal-only purchases.
Bilt Rewards integration launched, allowing 1:1 conversion of Rakuten Cash Back to Bilt Points as an alternative to Amex MR conversion.
Go to your Rakuten account settings and change your earning preference from Cash Back to Membership Rewards points. You must have another Amex card that earns MR points (e.g., Amex Gold, Platinum, or Green). Once enabled, all future earnings from both the portal and the Rakuten Amex card are deposited as MR points instead of cash.
Rakuten pays out quarterly on February 15, May 15, August 15, and November 15. You need a minimum confirmed balance of $5.01 to receive a payout. Payment is via check or PayPal (your choice). Gift card redemption is available anytime via the Rakuten app with a $5 minimum.
Yes. When you use the Rakuten Amex card for purchases through Rakuten, you earn the store's portal cash back rate PLUS an extra 4% from the card. For example, if a store offers 5% via Rakuten portal, you'd earn 5% portal + 4% card = 9% total. The 4% card bonus is capped at $7,000 in Rakuten credit card spending per calendar year.
The extra 4% cash back on Rakuten purchases applies to the first $7,000 in Rakuten credit card spending per calendar year. After reaching the cap, Rakuten purchases earn 1% from the card (portal cash back still applies normally). Rakuten Dining spend does not count toward this cap.
Yes. Rakuten partnered with Bilt Rewards to allow 1:1 conversion of Rakuten Cash Back to Bilt Points. You need a Bilt Rewards account (the free membership works — no Bilt credit card required). Set your earning preference to Bilt Points in your Rakuten account settings.
Rakuten Cash Back is the rewards currency earned through the Rakuten shopping portal and the Rakuten American Express Card. While the default earning is straightforward cash back at 1.0 cpp, the program's real value lies in its conversion pathways: Amex Membership Rewards (1:1, ~2.0 cpp) and Bilt Rewards (1:1, ~1.7 cpp). For cardholders with an existing MR-earning Amex card, Rakuten effectively becomes a 2x earning channel on portal purchases — making the $0 annual fee card punch well above its weight.
Rakuten American Express Card launched, replacing the discontinued Rakuten Cash Back Visa. Issued by First Electronic Bank via Imprint with 4% Rakuten bonus, 2% grocery/dining, and no annual fee.
Grocery and dining bonus categories (2% each) added to the Rakuten Amex card, expanding value beyond portal-only purchases.
Bilt Rewards integration launched, allowing 1:1 conversion of Rakuten Cash Back to Bilt Points as an alternative to Amex MR conversion.
Go to your Rakuten account settings and change your earning preference from Cash Back to Membership Rewards points. You must have another Amex card that earns MR points (e.g., Amex Gold, Platinum, or Green). Once enabled, all future earnings from both the portal and the Rakuten Amex card are deposited as MR points instead of cash.
Rakuten pays out quarterly on February 15, May 15, August 15, and November 15. You need a minimum confirmed balance of $5.01 to receive a payout. Payment is via check or PayPal (your choice). Gift card redemption is available anytime via the Rakuten app with a $5 minimum.
Yes. When you use the Rakuten Amex card for purchases through Rakuten, you earn the store's portal cash back rate PLUS an extra 4% from the card. For example, if a store offers 5% via Rakuten portal, you'd earn 5% portal + 4% card = 9% total. The 4% card bonus is capped at $7,000 in Rakuten credit card spending per calendar year.
The extra 4% cash back on Rakuten purchases applies to the first $7,000 in Rakuten credit card spending per calendar year. After reaching the cap, Rakuten purchases earn 1% from the card (portal cash back still applies normally). Rakuten Dining spend does not count toward this cap.
Yes. Rakuten partnered with Bilt Rewards to allow 1:1 conversion of Rakuten Cash Back to Bilt Points. You need a Bilt Rewards account (the free membership works — no Bilt credit card required). Set your earning preference to Bilt Points in your Rakuten account settings.
Yes, but only for future earnings. You can change your earning preference at any time in your Rakuten account settings. Already-earned cash back in your current quarter stays in its original form. The change applies to new earnings going forward.
Yes, but only for future earnings. You can change your earning preference at any time in your Rakuten account settings. Already-earned cash back in your current quarter stays in its original form. The change applies to new earnings going forward.
Yes, but only for future earnings. You can change your earning preference at any time in your Rakuten account settings. Already-earned cash back in your current quarter stays in its original form. The change applies to new earnings going forward.
