Agreement to Terms
By using the website or participating in the American Express® Membership Rewards® Points at Rakuten Program (the “Program”), you agree to comply with and be bound by the following terms and conditions. Please review these terms and conditions carefully. If you do not agree to these or the other applicable terms and conditions, you should not use the website or participate in the Program. We may modify these terms and conditions at any time without notice by posting modified terms and conditions on the website. Modifications will be effective immediately and your continued use of the website or participation in the Program after modification signifies and confirms your acceptance of the modified terms and conditions.
Membership Rewards® Points Accrual via Rakuten
The Program is available exclusively to eligible U.S. American Express Card Members with a Card enrolled in the Membership Rewards® program (“Eligible Card Account”). Card Members must also be a Rakuten member and link their Membership Rewards® program account to their Rakuten account at rakuten.com/american-express. Corporate Card Accounts are not eligible to participate. There may be other Card Accounts or Card Members ineligible for this Program as determined by American Express.
Once your accounts are linked, you will earn Membership Rewards® points into your Rakuten account in lieu of Rakuten Cash Back for any qualifying shopping activities (as determined by Rakuten) subject to returns or other transaction reversals. Under no circumstance will you be eligible for both Cash Back and Membership Rewards for the same purchase. Rakuten will transfer Membership Rewards points accrued via the Program from your Rakuten account to your Membership Rewards account in accordance with Rakuten’s current program terms, including applicable transfer schedules. Cash Back accrued but not disbursed prior to linking accounts will be converted into Membership Rewards points. Rakuten reserves the right to modify the transfer schedule at any time in accordance with its program terms. American Express must receive accurate information from Rakuten for you to receive points earned via Rakuten. Membership Rewards points are not eligible for redemption until Rakuten completes the transfers and fulfillment into your Membership Rewards account in accordance with its transfer schedule. Your Eligible Card Account must remain open, active and in good standing from the time the points are earned through transfer and fulfillment in your Membership Rewards account to receive the Membership Rewards points. If American Express determines in its sole judgment that you engaged in abuse, misuse, or gaming (e.g., manufacturing spend to earn rewards without bona fide purchases) in connection with promotions or offers or that you may attempt to do so, it may determine a purchase is ineligible for Membership Rewards, suspend your ability to redeem promotions or offers in the future, or cancel your American Express cards.
Promotions and Offers
We may offer promotions or curated offers in connection with the loyalty program. Any promotions or offers will be denoted accordingly on the website and will be subject to additional terms and conditions. Other restrictions may apply.
Liability
American Express does not operate the Rakuten website or act as a commercial agent for Rakuten. American Express does not warrant or accept any responsibility for, and will have no liability with respect to, the website, the platform, or other actions or inactions of Rakuten or third parties associated therewith.
Privacy Policy
American Express and Rakuten may share certain information about you with each other to facilitate your participation in the Program. Any personal information American Express or Rakuten receives about you will be managed in accordance with their respective privacy policies, including for American Express its Online Privacy Statement.
Membership Rewards Terms and Conditions
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
Rakuten Terms and Conditions
Visit https://www.rakuten.com/help/article/terms-conditions for more information. Participating partners and available rewards are subject to change without notice.
Updated: May 9, 2025
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