Rakuten is my favourite on-line purchasing portal, and it allows you to earn bonus rewards for purchases you make on-line. Traditionally, Rakuten has supplied the power to earn money again or Amex Membership Rewards factors for on-line purchasing, with the latter being a extra compelling possibility (at the very least for these good at maximizing factors).
There’s now an thrilling replace, as Rakuten has added a brand new rewards foreign money you may earn, and it would simply be the most effective one but… at the very least for some. I first wrote about this earlier when the announcement was made, however wish to present an replace, as I’ve performed round with this a bit, and have observed some fascinating issues.
As of in the present day (November 6, 2025), it’s attainable to earn Bilt factors for on-line purchasing with Rakuten:
- For the primary six months, all Bilt members will obtain a 1:1 conversion charge, which means each $10 in Rakuten money again equals 1,000 Bilt factors
- After that introductory interval, Bilt Silver, Gold, and Platinum members, will keep that switch ratio, whereas non-elite Bilt members will obtain 50 Bilt factors per greenback in Rakuten money again
- These charges stay topic to alter over time, and notice that factors earned by way of this partnership don’t rely towards Bilt elite standing
How are you going to begin incomes Bilt factors with Rakuten? Should you’re not but a member of Rakuten, I’d suggest signing up by way of a refer a pal hyperlink earlier than you arrange your account for this partnership. That’s as a result of the present refer a pal bonus will get you $50 in rewards (5,000 Bilt factors) upon finishing eligible exercise, whereas Bilt’s provide solely will get you 2,500 Bilt factors in rewards.
So after you have a Rakuten account, you’ll wish to both go to the partnership web page on Bilt’s web site, or go to the Bilt app. As soon as within the Bilt app, navigate to the “Rewards” part, after which choose the “On a regular basis rewards” part. There you’ll see the “Earn factors with Rakuten” heading, so click on on “Get began.”
In case you have an present account (and even in the event you don’t), click on on the “Create account & hyperlink” button. Be sure that the emails related along with your Bilt and Rakuten accounts match.
You’ll simply should click on “Proceed” on the following web page, after which you must see that your account linking is profitable.
When you’ve efficiently linked your accounts, you may log into your Rakuten account and go to the “Account” part, and also you’ll see that the account exhibits that you just’ll be incomes Bilt factors as your reward. All rewards quantities present in money, however are then transformed into Bilt factors on the above charge.
What’s fascinating is that each one your rewards earned this “rewards cycle” (Rakuten pays out each three months) are eligible to earn Bilt factors, even in the event you had been beforehand speculated to earn Amex Membership Rewards factors. So it’s superior which you can retroactively change that.
That is additionally why it’s nice to use a refer a pal hyperlink in the event you’re not but a member, to earn $50 upon finishing qualifying exercise, since that may then be transformed into Bilt factors.
Is incomes Bilt factors with Rakuten price it?
As talked about above, I’m a giant fan of utilizing Rakuten for my on-line purchasing. I typically select to earn Amex Membership Rewards factors, given which you can primarily earn one Membership Rewards level in lieu of 1 cent money again. Since I worth Amex factors at effectively over one cent every, that’s an advantageous charge of return.
Now it’s attainable to earn Bilt factors with Rakuten in the identical method you may earn Amex factors. For the primary six months, everybody can earn one Bilt level in lieu of 1 cent money again, in order that’s a no brainer. In the long term, solely elite members can keep that charge, whereas others earn one Bilt level in lieu of two cents money again.
So, what’s my tackle the worth right here?
- I’d reasonably earn one Bilt level than one Amex level, since Bilt factors are typically tougher to earn, given the shortage of card welcome bonuses, and Bilt has some distinctive companions
- For the primary six months that’s true throughout the board, whereas in the long term, I’d reasonably earn one Amex level than 0.5 Bilt factors, assuming I had been a non-elite member
So that is now my most well-liked approach to earn rewards with Rakuten, and I’m very comfortable to see this growth.
Backside line
Bilt and Rakuten have launched a partnership, letting Rakuten members earn Bilt factors for his or her on-line purchasing. Initially, all Bilt members can earn one Bilt level in lieu of 1 cent money again, which is a good charge of return. In the meantime past the primary six months, solely Bilt elite members will earn that charge of return, whereas others will earn one Bilt level for each two cents money again.
It’s good to see Rakuten now partnering with two factors currencies, as it is a good different to incomes Amex factors with Bilt. And in the event you’re but a Rakuten member, be sure to sign-up by way of a refer a pal hyperlink, given the present best-ever bonus. That may earn you $50, or 5,000 Bilt factors.
What do you make of Bilt being added as a Rakuten accomplice?
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