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Rakuten American Express Card
Review published reward categories, fees, recurring benefits, and source-dated offer history. Product terms can change; confirm current information with the issuer.
Last reviewed: September 12, 2026 · Current issuer destination
- Annual fee
- $0
- Card type
- Personal
- Market
- US
Published reward categories
4.00×
Online Shopping
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
Portal channel required
2.00×
Dining
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
2.00×
Groceries
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
1.00×
Other Purchases
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer terms apply.
Published benefits
annual
Fee Waiver
The issuer advertises no annual fee; other fees and terms apply.
Independent information: CreditCardCompanion does not collect bank credentials or transaction history. Compensation never changes the factual card information shown, and approval is never guaranteed.
No compensation link is active for this card. Verify the current offer and complete terms directly with the issuer.
Renewal and alternatives
Renewal baseline: start with the $0 annual fee, then count only recurring rewards and benefits you expect to use. Welcome offers belong in a separate first-year calculation.
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Decision summary
Where this card may fit
Potential best uses
- 4.00× Online Shopping
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer… - 2.00× Dining
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer… - 2.00× Groceries
Rakuten rate is additional cash back on eligible purchases made through Rakuten. Merchant coding, account eligibility and issuer…
Cost and benefits
There is no listed annual fee, but compare redemption value, restrictions and a strong alternative.
1 recurring benefit currently catalogued.
Watch before choosing
- Portal booking or purchase channel required for Online Shopping.
Data status: reviewed September 12, 2026. Check official source. Approval is not predicted.