(EXPIRED) Rakuten: 10x at IHG and many retailers online and in-store

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Today, Rakuten is advertising 10% back at many stores both online and in-store (which can alternatively be 10 Membership Rewards points per dollar spent), some of which could make for very good deals. There are quite a few interesting retails including Saks (for those of us that haven’t used our $50 Amex Platinum credits yet), IHG and Viator. There are also a ton of retailers, including Nike, Adidas and Wine.com (which you can stack with your $10 monthly credit from the Amex Gold card).

The Deal

  • Rakuten is offering increased cash back rates at many retailers for “Early Black Friday” (including 10% / 10x Membership Rewards points at many popular retailers)
  • Direct link to this promotion

If you’re new to Rakuten

If you’re new to Rakuten, there is a current referral promotion to get $40 back when you sign up and spend $40 or more within 90 days. See this post for more detail. Feel free to use one of our referral links with our thanks.

Tim’s Referral Link

Greg’s Referral Link

Stephen’s Referral Link

Nick’s Referral Link

Key Terms

  • Be sure to read terms for individual retailers for full exclusions

Quick Thoughts

Today might be a good day to make your future IHG bookings given the high percentage back or great return in Membership Rewards points.

The nice thing about booking through a shopping portal is that you’re taken directly to the hotel website to complete your booking, so your stay should qualify for all the usual benefits (loyalty points, elite benefits, elite credit, etc). Use your favorite rewards credit card that earns a bonus on travel to earn points as you would ordinarily expect on a direct hotel booking (and maybe even stack with card-linked offers like Amex Offers or Chase Offers). Note that you do not need to make a prepaid booking. You can book a flexible rate paid later at the hotel — you should receive your 10x or 10% back within a few weeks after completing your stay.

Keep in mind that portal terms often exclude special rates like friends & family rates, but I’ve anecdotally found that booking the AAA rate can sometimes be an eligible rate for cash back. Your mileage may vary on that — a strict reading of the terms might be taken to mean that AAA rates aren’t eligible, so you may or may not earn rewards on special rates like that.

Unfortunately, there is no way to apply this to a previous booking; you would need to cancel your existing booking and re-book by first clicking through the shopping portal today (though you’ll of course want to check to make sure rates haven’t increased).

As for other retailers, just be sure that you’re comparing payouts against other portals. For example, Rakuten is offering 10% back at shopDisney, but Topcashback is offering 15% back today. Cashbackmontior.com is a great tool for finding the best rates.

If you’re shopping in-store, don’t forget to link your credit card to Rakuten and look for opportunities to stack with other card-linked offers like Amex Offers or Chase Offers or maybe even other card-linked programs (see Stephen’s post about which may stack).

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Another Jeff

Combine with even 4x base points promo