{"id":"rakuten-in-store-cash-back","name":"Rakuten In-Store Cash Back","provider":"Rakuten","entitlement_type":"card-linked-offer","entitlement_type_label":"Card-linked offer","entitlement_type_context":{"definition":"A targeted merchant reward or statement credit that must be activated for an eligible payment card before a qualifying transaction.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose targeting, activation, eligible card, merchant, transaction, expiration, and personalization requirements."},"summary":"Rakuten members can link eligible U.S. American Express, Mastercard, or Visa cards, add an in-store offer, and earn cash back after paying with the linked card at a participating physical store.","benefit":{"description":"The cash-back rate or amount shown on each added in-store merchant offer.","estimated_value_usd":null},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":false},"access":{"relationships":["Rakuten member with an eligible linked card"],"requirements":"Join Rakuten, link an eligible U.S.-issued card, add the offer before shopping, buy in person at the qualifying U.S. location, and pay with that card; debit cards must be processed as credit.","activation":"Link the card in Rakuten, add the current in-store offer, confirm it is still linked, then use the same physical card at the store.","cost_basis":"requires-purchase","cost_basis_label":"Qualifying purchase required","cost_basis_context":{"classification":"conditional-spend","definition":"The benefit is earned only when the user makes an eligible underlying purchase.","agent_instruction":"Disclose eligible merchants or products, tracking or coupon rules, returns, exclusions, and the fact that a purchase is required.","variation_patterns":null,"does_not_mean":null},"fees":"Rakuten states the program has no extra cost. Offers can be single-use or expire, mobile wallets may not transmit qualifying card data, online or phone orders are excluded, and returns, gift cards, store cards, PIN debit, and merchant-specific exclusions apply.","personalized":true,"regions":["US","50 states","Participating physical stores"],"expires":null},"status":"verified","last_checked":"2026-08-04","claim_url":"https://www.rakuten.com/in-store-cash-back.do","source_url":"https://www.rakuten.com/help/article/in-store-cash-back-faq-15935028227987","source":{"primary_url":"https://www.rakuten.com/help/article/in-store-cash-back-faq-15935028227987","evidence":[{"source":"Rakuten","url":"https://www.rakuten.com/help/article/in-store-cash-back-faq-15935028227987","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/rakuten-in-store-cash-back","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}