2025.12 Replace: The brand new supply is $200, just for Dec 17. [Expired] The supply is now $100 as regular.
2025.10 Replace: The brand new supply is $100.
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Options
- $100 Provide: get a $100 bonus if you spend $1,000 within the first 90 days. The current greatest supply is $200.
- Earn an additional 4% money again on Rakuten purchases; earn an additional 5% money again on Rakuten eating companions; earn 2% money again on groceries and eating places; and earn 1% money again on every thing else.
- You possibly can select to hyperlink your Rakuten account with AmEx Membership Rewards (MR) account, and switch its money again to MR factors at a 1:1 ratio. You may also select to hyperlink your Rakuten account with Bilt account, and switch its money again to Bilt factors at a 1:1 ratio for a restricted time (after 2026.5 the ratio might be 1:0.5 or extra in response to your Bilt account standing).
- No annual charge.
Disadvantages
- There’s a cap on the additional 4% money again price on Rakuten purchases: as much as $7,000 in a calendar yr.
- The issuer is small (powered by Imprint, issued by First Digital Financial institution).
- It has overseas transaction charge, so it is not a good selection outdoors the US.
Abstract
You should purchase virtually something on Rakuten, so this card is basically a 4% on-line purchasing card. The most important limitation is the $7,000 a yr cap.
Historic Presents Chart
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