How to Set Rakuten Payouts to Amex Membership Rewards: A Step-by-Step Guide
Rakuten offers cashback on your everyday purchases, but did you know you can convert that cashback into Amex Membership Rewards points? This simple tweak can significantly increase the value of your Rakuten earnings, especially if you’re a frequent traveler or someone who values transferable points.
Why Choose Amex Membership Rewards Over Cash?
•Better Redemption Value: Points can often be worth more than cash, especially when redeemed for travel through Amex’s airline and hotel transfer partners.
•Maximize Rewards: Pairing Rakuten points with Amex’s reward ecosystem offers the potential for outsized value, such as first-class flights and luxury hotel stays.
Steps to Set Rakuten Payout to Amex Membership Rewards
Follow these steps to start earning Membership Rewards instead of cashback:
1. Visit Rakuten.com and sign in on a desktop (not the app)
2. Go to Your Account Settings
•Click your profile in the top-right corner.
•Select “Account Settings.”


3. Choose Payment Options
•Scroll down to “How you’re getting paid”
•Select Membership Rewards Points

•Once linked, Rakuten will automatically convert your cashback to points each quarter.
Key Tips for Maximizing Value
•Shop During Bonus Periods: Rakuten frequently offers increased cashback rates especially around holidays. Shop during these promotional periods to maximize your rewards.
•Combine with Amex Offers: Use a linked Amex card with Amex Offers to stack rewards for even greater value.
Conclusion
Setting Rakuten payouts to Amex Membership Rewards can significantly boost the value of your earnings. Whether you’re planning your next big trip or simply want flexible redemption options, this strategy is a must for any savvy rewards enthusiast.
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