American Express
Rakuten Benefits, Credits & Annual Fee
No annual fee
A no-annual-fee card that earns cash back or Amex Membership Rewards points, best for Rakuten shoppers who want to stack rewards through the Rakuten portal. Ideal for existing Membership Rewards cardholders looking to boost their points balance.
- 10%Dining
- 4%Rakuten
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Rakuten at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- American Express
Rakuten Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Dining | 10x | |
| Groceries | 2x | |
| Everything else | 1x |
Who Should Get the Rakuten?
The Rakuten fits people who spend most on dining (10x) and groceries (2x). It has no annual fee, so it costs nothing to keep.
Is the Rakuten Worth It?
The Rakuten has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Rakuten Welcome Bonus
$100 cash back
Offer history
- Highest seen
- $100
Tracked since Sep 2026
Rakuten Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Rakuten. Its value comes from its rewards and other benefits on this page.
More Rakuten Card Benefits
Bonus Earnings
- 10% Rakuten Dining Cash Back10%
Earn 10% cash back at Rakuten restaurant partners: 5% through Rakuten Dining plus an extra 5% with your Rakuten Card. Choose a participating restaurant through Rakuten Dining and pay with your card. The combined rate applies at Rakuten restaurant partners, not all restaurants.
Checked Oct 7, 2026 - 4% Rakuten Purchases Cash Back4%
Earn an extra 4% cash back on eligible Rakuten purchases, on top of the cash back you earn through Rakuten. Shop through Rakuten and pay with your Rakuten Card to earn the additional card rewards. The extra rate applies to eligible Rakuten purchases, not every card purchase.
Checked Oct 7, 2026
Purchase Protection
- Extended Warranty
Extended Warranty doubles an eligible item’s original manufacturer’s warranty, adding up to 12 months of coverage. Buy the item with your Rakuten Card and file a claim if it breaks during the extended coverage period. The extension is capped at 12 months.
Checked Oct 7, 2026 - Retail Protection
Retail Protection covers eligible purchases if they’re damaged or stolen within 90 days of purchase. Use your Rakuten Card to buy the item, then file a claim if a covered incident happens during that 90-day window. Coverage applies only to eligible items.
Checked Oct 7, 2026
Entertainment
- Amex Experiences
Amex Experiences gives Rakuten American Express Card members access to opportunities across music, theater, sports, and other events. Look for available experiences and follow the booking instructions for the event you want. Access depends on the event and availability; tickets or other costs may apply.
Checked Oct 7, 2026
Fees & Miscellaneous
- No Annual Fee
This card carries no annual fee, so you can keep it open indefinitely without needing to earn back a yearly charge. It's a low-risk card to hold long-term.
Checked Jul 4, 2026
Rakuten vs Other American Express Cards
- Amex Blue Cash EverydayNo annual fee
- Amex Cash MagnetNo annual fee
- Amex Schwab InvestorNo annual fee
- Delta SkyMiles BlueNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Rakuten FAQs
Is the Rakuten Amex Card worth the annual fee?
Compare Rakuten's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for Rakuten?
Creddy's September 26, 2026 catalog check found no trackable benefit records for Rakuten. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Rakuten Amex Card?
Creddy's catalog lists a $0 annual fee for Rakuten as checked on September 26, 2026. Confirm current pricing and any additional-card fees with American Express before applying or renewing.
Does the Rakuten Amex Card come with a welcome bonus?
Welcome offers for Rakuten can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Rakuten Amex Card?
Rakuten may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Rakuten Amex Card compare to other American Express cards?
Compare Rakuten with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.