The Rakuten American Express Card pays a $100 cash bonus after you spend $1,000 in the first 90 days, with no annual fee. It runs on the Amex network but is issued by First Electronic Bank and serviced by Imprint, so it is separate from an Amex-issued card and its once-per-lifetime rules.
Eligibility
Available nationwide
No state restrictions on this offer.
Hard credit inquiry
Applying posts a hard pull to your credit report.
How to get the Rakuten American Express Card bonus
- Apply at rakuten.com/credit-card; approval is a hard inquiry.
- Spend $1,000 on the card within the first 90 days.
- The $100 bonus posts after you meet the spend requirement.
The fine print that matters
- Issued by First Electronic Bank and serviced by Imprint on the American Express network, not by American Express.
- No annual fee.
- The public welcome offer has briefly spiked to $200 on one-day promotions; $100 is the standing offer.
Verification and reports
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Sources: rakuten.com offer page (checked Jul 18, 2026)
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