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Credit Card Exclusions and Limitations

As described in the Credit Card Addendum to the Rakuten Cash Back Shopping Program Terms, qualifying purchases made through Rakuten or Ebates with a Rakuten Cash Back Visa® Credit Card (the "Rakuten Credit Card") will earn 3% Cash Back (minus returns and adjustments) in addition to Cash Back earned on purchases for shopping through Rakuten or Ebates. A “Qualifying” purchase is a purchase made through Rakuten, excluding, and purchases. Certain additional exclusions, which are described in more detail below, apply. The list of exclusions below is not intended to be exhaustive. We reserve the right to modify this list at any time. In addition, to earn 3% Cash Back on your In-Store Cash Back purchases, you must link the In-Store Cash Back offer to the Rakuten Credit Card connected to your Rakuten or Ebates account and pay with the linked Rakuten Credit Card. Non-qualifying Rakuten or Ebates purchases and purchases with the Rakuten Credit Card everywhere else Visa credit cards are accepted will earn 1% Cash Back (minus returns and adjustments).

Certain Special Excluded Items

If a purchase on your Rakuten Credit Card comprises items for which Cash Back is available on or as well as items for which no Cash Back is available, you will receive 3% Cash Back on the portion of your purchase attributable to the items for which Cash Back is available and 1% Cash Back on the remainder. For example, Cash Back is available in rotating categories on If you purchase two products from with your Rakuten Credit Card and Cash Back is available for only one of the products, you will receive 3% Cash Back on the price of the product for which Cash Back is available and 1% Cash Back on the balance of your purchase.

Balance transfers, cash advances, finance charges and fees do not qualify for Cash Back.

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