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Rakuten In-Store
Set-and-forget 5% cash back—or 5x Amex Membership Rewards / Bilt points—automatically at 10,000+ restaurants on Rewards Network.
How to use Rakuten In-Store
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01
Add your dining card in Rakuten Open the Rakuten app, go to In-Store & Dining, and link your main dining credit card once.
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02
Keep that card out of airline dining portals Airline and hotel dining programs share the same Rewards Network backend and will silently overwrite your Rakuten link if given the same card.
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03
Dine and pay normally Whenever you eat at a participating restaurant, 5% cash back (or 5x points) triggers automatically in the background.
More details
Stacking compatibility & card conflicts
Stacks effortlessly with Seated, DoorDash Going Out, Upside, Franki, Bilt Direct partner restaurants, bank merchant offers, and your card's own 3x–4x dining category bonus. Conflicts only with other Rewards Network programs (AAdvantage Dining, United MileagePlus Dining, Delta SkyMiles Dining, Hilton/Marriott Dining, or Bilt's 'Enable all restaurant rewards' toggle) on the same card.
Payout timing & fine print
Calculated on your total settled charge including tax and tip. Visits usually appear in Rakuten within 2 to 5 days and pay out quarterly via PayPal, check, Amex Membership Rewards, or Bilt points.
Should I set Rakuten to pay cash back, Amex Membership Rewards, or Bilt points?
If you hold an eligible American Express Membership Rewards card or a connected Bilt account, converting Rakuten's 5% rebate into 5x transferable points often yields 7.5% to 10% in travel value—while still letting you pay at the restaurant with any Visa, Mastercard, or Amex linked in your Rakuten wallet.
Ready to add Rakuten In-Store to your dining stack?
5% Cash Back · PayPal, check, Amex MR, or Bilt pts
Link Your Card on Rakuten