Linking a Card for In-Store and Dining Cash Back

What is card linking?

Card linking lets you connect your eligible credit or debit card to your Rakuten account so you can earn Cash Back automatically when you use that card at participating in-store or dining locations.

Once your card is linked, all dining offers will be added to your card automatically. Add in-store offers before you shop to earn Cash Back. Then, just pay with your linked card and earn.

Is it safe to link my card?

Yes. Protecting your information is a top priority.

• Your card details are stored in a secure, encrypted environment
• Rakuten does not sell your card information
• We will never charge your card
• We will never ask for your CVV
• We use trusted payment network partners to confirm eligible purchases

Find more information about card security in our Privacy Policy.

Which cards can I link?

For the highest rewards, link the Rakuten American Express Card to earn 10% Cash Back on dining and an extra 4% Cash Back on all in-store purchases.

You can link most Visa credit and debit cards, Mastercard credit and debit cards and American Express cards.

At this time, these cards are ineligible:

• Macy's American Express cards
• Corporate and purchasing cards
• Health Savings Account (HSA) cards
• Flexible Spending Account (FSA) cards
• Government-administered prepaid cards (including EBT)
• Insurance prepaid cards
• Visa Buxx
• Diners Club and Discover cards

Can I link multiple cards?

Yes, you can link as many eligible cards as you like!

Can I link a debit card?

Yes, but you must run your debit card as credit (and sign, if prompted) to earn Cash Back.

Debit transactions processed as PIN may not qualify.

How do I link a card?

1. Go to Linked Cards in your account
2. Select Link a Card
3. Enter your card details

Once linked, all dining offers will be added to your card automatically.

Add in-store offers before you shop to earn Cash Back.

Do I need to add offers before paying with my linked card?

You must add in-store offers before making a purchase to earn Cash Back.

You do not need to manually add dining offers. Dining offers never expire.

Do I need to re-add offers?

Most in-store offers expire in 75 days, or after the offer has been used. Be sure to check the offer details when adding. You must re-add offers after they expire, or after making a purchase to continue earning in-store Cash Back.

Dining offers never expire.

How do I remove a card?

1. Go to Linked Cards
2. Select Edit next to the card
3. Select Remove