dell saks rakuten
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Up to 20% Back at Rakuten Today Only

If you have an American Express Platinum Card, you have a bi-annual (once Jan-June and once July-Dec) $50 credit to use at Saks. And if you have an American Express Business Platinum Card, you have a bi-annual $100 credit to use at Dell.

The best time to go on those shopping trips is when you can also earn additional points or cash back via a shopping portal.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

Today only, Rakuten is offering 20% back (or 20X Amex Membership Rewards points) at Saks and 15% back (or 15X points) at Dell.

Referral Bonus Offer: $30 / 3,000 Points

On top of that, if you don’t yet have a Rakuten account, you can get 3,000 bonus Membership Rewards points after you spend your first $30 via Rakuten. It’s like any shopping portal – just click through to track the purchase and then checkout however you’d like.

If you already have an account, refer your friends by May 13th to get them 3,000 bonus Membership Rewards points while earning 3,000 yourself.

rakuten ebates 3,000 membership rewards
$30 or 3,000 bonus Amex points with a new Rakuten referral

Earn Amex Membership Rewards Instead of Cash Back

If you don’t already know, you have the option to earn American Express Membership Rewards points instead of cash at Rakuten (formerly Ebates) at an even 1:1 ratio. Since Amex points are worth more than a penny each (I value Amex points at 1.7 cents each).

So in an example where you earn 10% cash back on a $100 purchase, you can earn 1,000 points instead. Given my approximate 1.7 cent value per point, I look at this as getting ~$17 cash back instead of just $10.

Even if your account is set to earn points instead of cash, you can change your mind and switch over to a check or PayPal deposit of cash, so you aren’t locked in for life to the points.

You should always be using a cashback or mileage / points portal for all of your online shopping anyway. If you aren’t already in the Rakuten ecosystem, now is the time.

American Express Rose Gold Card
Get 60,000 Bonus Membership Rewards points after spending $4,000 on purchases within the first 6 months on an American Express® Gold Card or Rose Gold Card. Earn 4X points on dining and U.S. supermarkets (up to $25,000 annually, then 1X) plus get $10 monthly dining statement credits and $10 in monthly Uber Cash. Terms apply. Get This Offer

Thoughts?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.

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