American Express Terms

Rakuten Terms

Additional Membership Rewards® points at Rakuten available to U.S. American Express Card Members with a Card enrolled in the Membership Rewards® program (“Eligible Card Account”) only.  Card Members must become a new Rakuten member and link their Membership Rewards® program account at  Card Members must use an Eligible Card Account at checkout to earn Membership Rewards points in their Rakuten account. Corporate Cards or accounts are not eligible to participate.

Card Members will only accrue Membership Rewards® points in their Rakuten account instead of Cash Back for qualifying shopping activities determined by Rakuten. Rakuten typically will transfer accumulated Membership Rewards points from the Rakuten account to the Membership Rewards program account in accordance with Rakuten’s current payment schedule.  Rakuten reserves the right to modify the payment schedule at any time.  The minimum number of points that will be transferred is 500 Membership Rewards points. Until points are transferred from the Rakuten account to the Membership Rewards program account, Rakuten in its sole discretion retains the right to make Rakuten account adjustments in accordance with its program terms. Visit for more information. Points transferred from the Rakuten account will become available in the Membership Rewards program account within 8 to 12 weeks after receipt by American Express of the points information from Rakuten.  If American Express does not receive the points information from Rakuten, you will not receive the additional points. Please note that points will not be made available by American Express if any Eligible Card Account is canceled or past due at the time of point fulfillment.

All Membership Rewards program Terms and Conditions, including those about forfeiting points, apply to Membership Rewards® points in the Rakuten account.  Visit for more information.  Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how a Card Member chooses to use them. To learn more, go to

* To qualify for a Welcome Bonus, you must be a new member and make minimum qualifying purchases totaling at least twenty-five dollars ($25) within ninety (90) days of becoming a Member. 

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