Rakuten is best known as a shopping portal, but it also regularly offers additional rewards when members apply for select credit cards through its website. These promotions can provide extra cash back or Bilt Rewards points on top of the welcome bonus offered directly by the card issuer.
The available cards and payouts change frequently. But you can find of the current Rakuten credit card offers below, alongside the best ever bonuses that we have seen for these cards.
Current Rakuten Credit Card Offers
Depending on your Rakuten rewards preference, a $100 offer may be available as either $100 cash back or 10,000 Bilt Rewards points. The exact rewards option shown can vary by account and promotion.
Members who have their Rakuten accounts set to earn American Express Membership Rewards may not see all available credit card application offers. If an offer is missing, switching your earning preference to cash back or Bilt Rewards points may make it appear.
How Rakuten Credit Card Offers Work
To earn one of these bonuses, you generally need to:
- Sign in to your Rakuten account.
- Find the eligible credit card offer.
- Apply through Rakuten’s promotional link.
- Get approved for the card.
- Keep the account open for the required period, when applicable.
- Wait for Rakuten to confirm and issue the reward.
The Rakuten payout is separate from the credit card’s regular welcome bonus. That means you can typically earn both the issuer’s signup bonus and the additional Rakuten reward, assuming you qualify for each offer and follow all applicable terms.
Always take screenshots of the offer and application page before applying, especially when the bonus is elevated.
Always Compare With Referral and Public Offers
The extra Rakuten reward does not automatically make the application link the best available option. Before applying, make sure to check:
- Public offers from the credit card issuer which can get you a better signup bonus
- Referral offers which can be better, and also include the referral bonus
- In-branch offers
- Targeted or preapproved offers
- Historical best bonuses.
For example, a referral link may sometimes provide the applicant with the same welcome offer while also generating a referral bonus for a friend or family member. For new Chase Business customers, the person referring you will get 40,000 points, and you still earn the same welcome bonus on the Chase Ink Business Unlimited card. In other cases, Rakuten’s extra payout may be the best choice.
Important Things to Know
Rakuten credit card offers may be targeted and can change without notice. Only one Rakuten bonus is generally available per approved card application, and approval is determined solely by the card issuer.
Some promotions require the new account to remain open for a minimum period before the bonus is paid. But keeping the card open for a year will normally be sufficient to earn any Rakuten bonus. But it’s worth checking terms carefully as closing or downgrading the card too soon could cause the Rakuten reward to be denied or reversed.
Using a Rakuten application link also does not change the issuer’s standard approval restrictions, including rules related to previous bonuses, the number of recently opened accounts, or eligibility for a specific card.
Guru’s Wrap-up
Rakuten credit card offers are an easy way to earn additional value when applying for a new card. Since the Rakuten bonus is generally paid on top of the issuer’s welcome offer, it can add anywhere from $75 to several hundred dollars to an application.
However, you should always compare the Rakuten payout with referral links and other available offers before applying.
We’ll continue updating the table above as offers change. If you see a different payout in your Rakuten account, let us know in the comments.
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