Rakuten American Express Card
No annual fee, earning Cash, on the Amex network.
Card terms last verified against issuer pages on 2026-09-20.
The Rakuten American Express Card is a no annual fee card from American Express earning Cash. It earns 2x on grocery, 2x on dining and 4x on everything else. We have no recurring statement credits on file for this card.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Rakuten | 4x | Everything else |
| Grocery | 2x | |
| Dining | 2x | |
| Other | 1x | Everything else |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Purchase Protection — Retail Protection covers eligible items purchased with the card if they are damaged or stolen within 90 days of purchase. Coverage up to $1,000 per item and $50,000 per account per calendar year.
- Extended Warranty — Extends the original manufacturer's warranty by up to 12 months on eligible purchases. Coverage up to $10,000 per item. Applies to items with existing manufacturer warranties of 5 years or less.
Questions people ask about the Rakuten American Express Card
What is the annual fee on the Rakuten American Express Card?
The Rakuten American Express Card has no annual fee.
What does the Rakuten American Express Card earn?
4x on rakuten, 2x on grocery, 2x on dining, 1x on other, and 4x on everything else, in Cash.
Does the Rakuten American Express Card charge foreign transaction fees?
No — the Rakuten American Express Card has no foreign transaction fee.
Other American Express cards
Amex Blue Cash Everyday
Amex Blue Cash Preferred
