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Thank you to Function Health for sponsoring this video! Visit https://functionhealth.yt.link/dC7gA1F or use code MARKR25 at sign-up to own your health. The first 1000 get a $25 credit toward their membership. Then learn why the Rakuten American Express Card is absolutely incredible! Click “Show More” to see Ad Disclosure. 🌟💵 Join Rakuten ($30, $40, or $50 bonus!): https://markscreditcards.com/rakuten 🌟💳 Get the Rakuten American Express Card (Extra 4% Rewards!): https://markscreditcards.com/referrakutencreditcard 📲 Amex Offers for Rakuten Card https://global.americanexpress.com/card-offers/view-all?locale=en-US 🏟️ Amex Experiences for Rakuten Card (Presale / reserved tickets, venue perks & more) https://experiences.global/us/access/entertainment 🔒 Amex Retail Protection & Extended Warranty for Rakuten Card https://media-assets.imprint.co/partners/rak/legal/amex-terms-en Is the new Rakuten American Express Card the ultimate cheat code for your wallet? In today's video, we are breaking down why this $0-annual-fee card is a game-changer for both cash-back fans and travelers alike. Whether you are looking to stack cash or rack up high-value travel points, this card acts as a massive accelerator for your everyday, online shopping. The real magic of the Rakuten ecosystem is the flexibility. In your Rakuten Account Settings, you can choose how you want to be paid. This card supercharges those options: Amex Membership Rewards: By linking an eligible Amex card, you can convert your cash back into Amex Membership Rewards points. With the extra 4% from this card, you are effectively earning 4X Amex points extra on top of the portal’s base rate. Bilt Rewards: You can now opt to earn Bilt points instead. Many people will love this option to transfer Rakuten rewards into the World of Hyatt program (or even Southwest Airlines or United Airlines to top off their reward balances). The Rakuten Amex Card Breakdown This card is designed to be a stacking tool. Here is the rewards structure: +4% Extra Cash Back on all Rakuten shopping portal and in-store purchases (on top of the store’s base rate). Note: This is capped at the first $7,000 in spend per calendar year. 10% Total Cash Back on Rakuten Dining: You get an extra 5% on top of the 5% you already earn at partner restaurants. 2% Cash Back at grocery stores and all other restaurants. 1% Cash Back on all other purchases. The Math: If a store is offering 10% back on Rakuten and you use this card, you are hitting 14% back total. If you value Amex or Bilt points at 2 cents each when using transfer partners, that is effectively a 28% return on your spend. Benefits and Protections Even with a $0 annual fee, this card includes perks of being on the American Express network: Amex Offers, Retail Protection, Extended Warranty, Amex Experiences VIDEO SPONSOR 👨‍⚕ FUNCTION HEALTH (code: MARKR25): https://functionhealth.yt.link/dC7gA1F TOP CREDIT CARD OFFERS 🚨 Get Offer Alerts! https://markscreditcards.com/offeralerts 💳 View Card Offers! https://markscreditcards.com/offers 🤑 Rakuten American Express Card: https://markscreditcards.com/referrakutencreditcard TOP TRAVEL + POINTS DEALS ✈️ Thrifty Traveler - Flight & Hotel Deals! https://markscreditcards.com/thriftytraveler ✈️ Point.me - Maximize your points! https://markscreditcards.com/point.me TOP BANK ACCOUNTS (HIGH-YIELD) 🏦 https://markscreditcards.com/bankaccounts TOP CASH BACK OFFERS 🛍️ Rakuten (Get $30 or 3,000 Amex/Bilt Points!): https://markscreditcards.com/rakuten 🛍️ Rakuten American Express Card (+4% Rewards!): https://markscreditcards.com/referrakutencreditcard 🛍️ TopCashback (Get $10!): https://markscreditcards.com/topcashback TOP INVESTING LINKS 📊 Webull (Get 6+ Free Shares!): https://markscreditcards.com/webull 📊 Robinhood: https://markscreditcards.com/robinhood 📊 Public: https://markscreditcards.com/public 📊 Wealthfront: https://markscreditcards.com/wealthfront 📊 Acorns: https://markscreditcards.com/acorns Disclosure: The thoughts, opinions, and information presented are those of the creator. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as YourBestCreditCards.com, My Wealth Wallet, and others. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the recording / posting date. Some of the offers mentioned may no longer be available and/or may not be available to all users. The content should not be taken as financial advice; it is an expression of opinion. Please do your own research before making a decision to apply for a card or act upon any of the information provided. #amex #americanexpress #rakuten