Rakuten deal alert: Earn up to 15% cash back at major retailers when shopping online

1 month ago 8

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If you're looking to make some purchases before the holidays, October Prime Day is an opportunity to maximize your spending this week. Plus, you can use these promotions to score deals and stack up the savings.

Rakuten is one of the most popular online shopping sites that awards cash back for shopping online, and it has increased earning rates at popular retailers this week too. Eligible Rakuten shoppers can save up to 15% at a variety of retailers via their Savvy Shopper Rewards event.

This sale is likely targeted at frequent Rakuten users, so be sure to log into your account to verify. New Rakuten users can get a $30 bonus when they spend at least $30 on a qualifying purchase within the first 90 days.

You can turn a good deal into a great one by layering a hefty side of cash back on already discounted prices.

With Rakuten, you can choose to earn American Express Membership Rewards points instead of cash back if you want. So, instead of getting up to 15% cash back in the examples below, you could earn 15 Membership Rewards points per dollar spent; this can yield a significantly higher value overall if you maximize the points with travel partners.

Here's what you need to know about increased cash-back opportunities with Rakuten.

Increased cash back with Rakuten

To earn cash-back rewards or Membership Rewards when shopping online, begin your shopping trip on the Rakuten website. Once there, search for your desired store and click to be redirected to the retailer's website. After you make a qualifying purchase, Rakuten will track your transaction and add bonus rewards to your account — generally within a day or two.

Here are some of the stores we see with increased cash back right now. Each of these retailers is offering 10-15% cash back through Rakuten:

Lululemon
Disney Store
Macy's
IHG Hotels & Resorts
Adidas
Neiman Marcus
Nike
Dermstore
CVS
PetSmart

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The best credit cards for Rakuten Purchases

Rakuten users will earn cash back in addition to any earnings on the credit card they swipe. At most merchants participating in these promotions, you'll want to pay with a credit card that earns bonus points and miles on everyday purchases, such as:

Chase Freedom Flex®: Earn 5% back on up to $1,500 in quarterly rotating categories (that you must activate to benefit from), including Amazon this quarter.
Blue Cash Everyday® Card from American Express: Earn 3% cash back on online purchases from U.S. retailers (on the first $6,000 spent in each category during a calendar year, then 1% cash back until the following year). Cash back is received as reward dollars that can be redeemed for statement credits or Amazon.com checkout.
Citi Double Cash® Card: Earn 2% cash back on all purchases — 1% cash back when you buy, plus an additional 1% as you pay for those purchases (see rates and fees).

For additional options, see our favorite cards for online shopping.

Or, use one where you've added a Chase or Amex Offer for that retailer to stack your savings.

Bottom line

Believe it or not, the holiday shopping season is upon us. Even if you only use this time of year to get better deals on the things you would buy anyway, the increased cash-back deals are in full effect. To ensure you choose the right option with the best rewards for your planned purchase, compare all the different cash-back sites before you buy.

Remember that new Rakuten shoppers can earn a $30 cash bonus when they spend at least $30 on a qualifying purchase within the first 90 days.

Many eligible merchants for these promotions also participate in credit card merchant offers. So, it's smart to check whether a merchant has an offer through Amex Offers, Chase Offers, Citi Merchant Offers and American Airlines AAdvantage's SimplyMiles program before making your purchase.

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Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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