What are the benefits of the Rakuten American Express® Card?
In addition to the Cash Back you earn shopping through Rakuten, you can earn an extra 4% Cash Back on qualifying purchases made through Rakuten (both online and in-store), 10% Cash Back on eligible Rakuten Dining purchases (that’s an extra 5% on top of 5% Dining Cash Back), 2% Cash Back on eligible Grocery and Restaurant purchases, and 1% Cash Back on all other eligible purchases made everywhere else American Express is accepted.
The Rakuten Card also offers no annual fee and zero fraud liability.
Are there any limits to the Cash Back I can earn on my Card?
For purchases made through Rakuten, you can earn 4% Cash Back* on the first $7,000 of credit card spending each calendar year. Once you exceed this amount, you will continue to earn unlimited 1% Cash Back on additional Rakuten purchases.
Rakuten Dining spend does not count toward the $7,000 spending threshold.
*Exclusions apply to Coupons Only stores, travel transactions other than direct airlines or pre-paid travel bookings, and purchases paid for via Buy Now Pay Later services.
Are there any annual fees or hidden charges associated with the Rakuten Card?
No, the Rakuten Card has no annual fees or hidden charges. However, other fees, such as late payment fees or returned payment fees, may apply as outlined in your Cardholder Agreement.
Will I earn American Express Membership Rewards® points on my Rakuten Card?
It’s possible to earn Membership Rewards points with your Rakuten Card. If you have another qualifying American Express card that earns Membership Rewards points, you can switch your Rakuten payment method to Membership Rewards points and have your earnings transferred to your Membership Rewards account.
If you already switched your payment method to Membership Rewards points, you will continue to earn in points.
What is Imprint?
Imprint is a credit card issuer and financial technology company and the chosen partner of leading global brands to provide you a rewarding credit card experience. You can manage your Rakuten Card account and make payments in the Imprint Payments iOS or Android app, or at account.imprint.co.
For additional information, please visit www.imprint.co/about.
Where can I use my Rakuten Card?
You can use your Rakuten Card worldwide, anywhere American Express is accepted.
Please note these transaction types are not allowed with the Rakuten Card:
- Sending money (Venmo, PayPal, CashApp, Wires, etc.)
- Buying money (Crypto, Stocks, etc.)
I tried to pay with my Rakuten Card via Apple Pay or Google Pay, but it said the card wasn’t accepted. Why?
This could happen if you split your purchase between a gift card (or other payment method), and your Rakuten Card. Try entering your Rakuten Card manually at checkout.
I live outside of the US. Can I apply for the Rakuten Card?
At this time, the Rakuten Card is only available for US residents.
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