2025.12 Replace: The brand new supply is $200, just for Dec 17.
2025.10 Replace: The brand new supply is $100.
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Options
- $200 Provide: get a $200 bonus while you spend $2000 within the first 90 days. That is the very best supply on this card.
- 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 part 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 too can 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 will probably be 1:0.5 or extra in line with your Bilt account standing).
- No annual price.
Disadvantages
- There’s a cap on the additional 4% money again fee 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 international transaction price, so it isn’t a sensible choice exterior the US.
Abstract
You should buy nearly something on Rakuten, so this card is basically a 4% on-line procuring card. The most important limitation is the $7,000 a yr cap.
Historic Presents Chart
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