Rakuten AmEx Credit Card Review (2025.12 Update: $200 Offer, Today Only)
2025.12 Update: The new offer is $200, only for Dec 17.
2025.10 Update: The new offer is $100.
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Features
- $200 Offer: get a $200 bonus when you spend $2000 in the first 90 days.This is the best offer on this card.
- Earn an extra 4% cash back on Rakuten purchases; earn an extra 5% cash back on Rakuten dining partners; earn 2% cash back on groceries and restaurants; and earn 1% cash back on everything else.
- You can choose to link your Rakuten account with AmEx Membership Rewards (MR) account, and transfer its cash back to MR points at a 1:1 ratio.You can also choose to link your Rakuten account with Bilt account, and transfer its cash back to Bilt points at a 1:1 ratio for a limited time (after 2026.5 the ratio will be 1:0.5 or more according to your Bilt account status).
- No annual fee.
Disadvantages
- There’s a cap on the extra 4% cash back rate on Rakuten purchases: up to $7,000 in a calendar year.
- The issuer is small (powered by Imprint, issued by First Electronic Bank).
- It has foreign transaction fee, so it's not a good choice outside the US.
Summary
You can buy almost anything on Rakuten, so this card is essentially a 4% online shopping card.The biggest limitation is the $7,000 a year cap.
Historical Offers Chart
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Frequently Asked Questions
Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.
However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.
Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.
Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.
