Everything You Need to Know About In-Store Cash Back

This post has been updated to reflect minor changes in the In-Store Cash Back program.

Millions of Rakuten members have discovered how easy it is to earn Cash Back for shopping online. But what if you’re shopping at your favorites stores in person? Maybe you need to try on a few sizes, swipe on some makeup swatches or pick up a last-minute gift on the way home from work. Great news: With In-Store Cash Back, you can start getting paid for those shopping trips you make in real life as well as online. Here’s how.

Step 1: Tap on the “In-Store” tab in the Rakuten App.

In-Store Cash Back unlinked

No problem! You can also do everything you need on the In-Store Cash Back page on Rakuten.com. Or get the app here.

Step 2: Find the store you’re shopping at, and hit the “Get Deal” button.

In much the same way that you activate Cash Back online by tapping “Shop Now,” you can turn on your In-Store Cash Back offer by hitting the “Link Offer” button in the Rakuten app. If it’s the first time you’re using this feature, you may need to add a credit card to your account. No app?

Rakuten app add a credit card

Rest assured, your private information is safely stored in a secure, encrypted environment. Learn more about that here. You’ll know Cash Back is turned on when the button now says “Linked.”

In-Store Cash Back linked

Step 3: Shop!

Shop with your linked card at the selected store and earn Cash Back. Boom! There’s no need to tell your salesperson and no forms to fill out — just the magic of Cash Back. Why can’t everything be this easy?

Now that you’ve got the hang of it, here are some more tips & tricks to shop like a boss with In-Store Cash Back:

Stick to Our Accepted Cards

We currently accept credit and debit cards from American Express®, Mastercard® and Visa®.  Add as many cards as you like to your account; there are no limits.

Use It Like a Credit Card

To unlock the magic of In-Store Cash Back, pay the credit way. Yep, that includes debit cards. If you pay with your debit card and use your PIN, we won’t be able to track it. So when you’re ready to check out, remember: “Credit, please!”

Link Before Shopping

Always link before you leap. If you shop at a store before linking an In-Store Cash Back offer to your card, you’ll miss out on that Cash Back. Don’t do this. We hate to see you upset.

Stand by for Confirmation

The suspense must be killing you, but never fear. The wheels to deliver that sweet Cash Back to your Rakuten account are a-turnin’. We will email you or send you a push notification as soon as the store lets us know you shopped with an offer.


Treat It Like a Secret

In-Store Cash Back offers are exclusive to Rakuten members, so your savings secret is just between us. Store employees probably won’t know anything about these offers. Lucky for you, once you’ve linked an offer to your card you can just shop and pay. Everything happens behind the scenes, so you can just keep a look out for your confirmation email.

Stay Tuned for New Stores

If you love a store with all your heart and it’s not on this list, just wait. It could be soon! Make sure to check back as we continue to add more top stores. Trust us: Love is worth waiting for.

Stack Your Rewards

Link In-Store Cash Back offers to your favorite rewards cards to get both rewards and Cash Back!

Get an Extra 3% Cash Back

What’s better than In-Store Cash Back? An additional 3% Cash Back when you shop with the Rakuten Visa Credit Card! Here’s a little math to break it down: If a store is offering 5% In-Store Cash Back, you’ll earn 8% Cash Back when you use the Rakuten Credit Card. Learn more.

See the Deets

Click the “See Details” dropdown under each store to see the offer limits, exclusions and all the fine print. You must link and use the offer before it expires, or else the chance for In-Store Cash Back will disappear like a stealth ninja.

Make Sure to Relink Those Offers

Shopaholics, this one’s for you. Once you’ve earned your In-Store Cash Back, you can relink the offer from the store and shop again.

We hope you’ve enjoyed this crash course on earning Cash Back in stores. Check out our video to see how easy it is to earn In-Store Cash Back. Now go forth and turn window shopping into Cash Back shopping!

Join The Conversation

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  1. Susan Kittley

    Can you shop in store at walmart?

    • Swapna Dhamdhere at Ebates

      Hi Susan, Walmart is not currently offering In-Store Cash Back, but the stores change regularly, so check back frequently!

  2. Elsa

    It’s a good thing but i’m not sure if i’m doing this right?

  3. Catherine

    Can you shop in store at Dillard?

    • Daisy Tran

      Hi Catherine,

      Dillard does not offer In-Store Cash Back right now, but we’re adding new stores all the time, so check back!

      Daisy from Ebates

  4. Karen

    I went in and put in all my info, but there is no instore tab on my app. How do I access that?

    • Daisy Tran

      Hi Karen,

      You can access In-Store Cash Back in the app by clicking on “In-Store” on the bottom navigation menu in the Ebates app. It is the second from the left. Hope this helps!

      Daisy from Ebates

  5. Don Wright

    Is there a time limit from the time I link an In-Store Cash Back offer to my credit card to the time of my purchase. Does the purchase need to happen the same day as the linking or can it occur several days later.

    • Daisy Tran

      Hi Don,

      After you link your credit card to In-Store Cash Back, the purchase can occur anytime before the offer’s expiration date, which you can find by expanding the Details section of a store’s In-Store Cash Back offer.

      Hope this helps!

      Daisy from Ebates

  6. So how dose this work.?

    • Daisy Tran

      Hi Cheryl,

      It’s super easy to earn In-Store Cash Back!

      1. Add a credit card to your Ebates account.
      2. Link In-Store Cash Back offers to your card.
      3. User your card in stores and earn Cash Back.

      Hope that helps!

      Daisy from Ebates

  7. Linda

    Please add Discover as a usable credit card!!

  8. Sharon

    Do I have to link my credit card for online purchases, or just in store?

    • Daisy from Rakuten

      Just for in-store purchases!

  9. Lori

    Do you have to use a credit card? Can they send you a check?

    • Daisy from Rakuten

      Hi Lori,

      You will need to link your credit card to receive In-Store Cash Back. Every quarter, if your Cash Back amount exceeds $5, you will receive a Big Fat Check in the mail with your earnings.


  10. Colleen

    I keep forgetting to go to rakuten before shopping online. Any way to get rebate after the fact. Have done this on about $500 worth of purchases

    • Daisy from Rakuten

      Hi Colleen,

      Oh no! Have you downloaded the Rakuten Cash Back Button? It’s our browser extension that’ll prompt you to activate Cash Back every time you’re on the site of a participating merchant. It’s super easy! https://www.rakuten.com/button.htm

      Hope this helps,

  11. Michele

    I can’t find the I store offers on my app. Could someone please tell me where to find it

    • Daisy from Rakuten

      Hi Michele! In the app, you can scroll the top cards to find the In-Store Cash Back card. This will lead you to all offers, including retail In-Store Cash Back and Dining Cash Back! Hope this helps.

  12. Carmen Cowart

    I shop at Walmart all the time but I don’t know how to get rakuten started. I thought I signed up for it but I don’t know what to do next. I recently purchased two pair of shoes and I have some other things that I would like to see if I can receive cash back

    • Daisy from Rakuten

      Hi Carmen,

      Walmart currently does not offer In-Store Cash Back. If you shop online at Walmart with Rakuten, however, you can earn departmental Cash Back. Please visit our Walmart store page for more details: https://www.rakuten.com/walmart.com

      Daisy from Rakuten