American Express Membership Rewards® Points FAQ

New to Rakuten? Sign Up for a free account to start earning. You’ll be redirected to the American Express website to enter your account username and password. Your account will connect after you enter your Membership Rewards account credentials. Once your American Express Membership Rewards account is connected, you can start earning Membership Rewards® points when you shop through Rakuten.

Already have a Rakuten account? Go to Account Settings and select Membership Rewards® Points under How You Get Paid. You’ll be redirected to the American Express website to enter your account username and password. Your account will connect after you enter your Membership Rewards account credentials. Once your eligible American Express Membership Rewards account is connected, you’re all set!

Any confirmed Cash Back earned but not paid before switching to points will be converted to points and transferred to your Membership Rewards account on the next payment date.

Once you’ve linked your accounts, earning Membership Rewards® points with Rakuten is simple:

1. Start at Rakuten and choose a store. You can use our website, mobile app, or browser extension.
2. Shop as you normally would. If you’re using the browser extension, be sure to select the ‘activate points’ button before you start shopping. You may still see Cash Back deals, but don’t worry, you’ll accrue Membership Rewards® points. Once you make an eligible purchase, we’ll add points to your Rakuten account.
3. Get points! We’ll transfer the confirmed Membership Rewards® points every 3 months according to our current Payment Schedule.

$1 Cash Back = 100 Membership Rewards® points.

Any confirmed points you earn on purchases, bonuses and other rewards will be transferred to your American Express account every three months in accordance with the current Payment Schedule. The time it takes for points to be confirmed depends on several factors, including the store, store policy, reporting schedule, exclusions and returns.

Rakuten Payment Dates:

• February 15
• May 15
• August 15
• November 15

Points Activity reflects your current earnings, including both pending and confirmed points. The time it takes for points to be confirmed depends on several factors, including the store, store policy, reporting schedule, exclusions and returns. For more details, go to Points Activity.

Remember, your earnings on purchases, bonuses and other rewards need to be confirmed before the scheduled transfer date to be included in the transfer.

Want to track your payment? Track Membership Rewards Points

You must have an eligible American Express Card enrolled in the U.S. Membership Rewards® program. It must not be cancelled or past due. Corporate Card Accounts are not eligible to participate. There may be other Card Accounts or Card Members ineligible for this Program as determined by American Express.

You can see your current earnings any time in Points Activity.

Certain offers from U.S. credit card issuers may not be available to members who elect to receive Membership Rewards points instead of cash back. Please review the Terms and Conditions for the American Express® Membership Rewards® Points at Rakuten Program for more information. Additionally, all exclusions set forth in the Rakuten Terms & Conditions apply.

Contact Us and we’ll be happy to help!