Stack Your Chase Card Bonus with Extra Cash from Rakuten

If you've been eyeing a new Chase credit card, there's a sweet deal running right now that could put a little extra cash in your pocket. Rakuten, the shopping portal known for giving you money back on purchases, is offering sign-up bonuses for several popular Chase cards. We're talking about the Chase Sapphire Preferred, Chase Freedom Unlimited, and Chase Ink Business Unlimited. Depending on the card and your history with Chase, you could snag anywhere from $50 to $100 just for applying through their link. It's not every day you see a shopping portal sweeten the pot on a credit card application, so let's break down what's on offer.

Why This Deal Stands Out

Usually, credit card companies don't let shopping portals offer extra cash for sign-ups. But Rakuten has worked out a special arrangement with Chase, so this is a rare opportunity to double-dip. You get the card's own welcome bonus (like the 100,000 points on the Sapphire Preferred) plus an extra $50-$100 from Rakuten. That's a nice little boost, especially if you're already planning to apply.

The bonus comes as cash back through Rakuten, which you can take as a check or convert to Membership Rewards points if you have an American Express card. If you value those points at more than a cent each, that could be even more valuable.

• Stack with the card's own sign-up bonus for maximum value.
• Bonus is available for both personal and business cards.
• Rakuten is offering a $40 sign-up bonus for new members, so you can stack that too.

A Few Things to Watch Out For

First off, the bonus amounts can change. Rakuten has been adjusting these offers frequently — sometimes they're higher, sometimes lower. So if you see a good rate, don't wait too long. Also, note that existing Chase customers might get a smaller bonus on the Freedom Unlimited ($50 vs $90 for new customers).

Another thing: if you have a friend or family member with a Chase referral link, that might be a better deal. Referrals often give 10,000 points or $100, which could beat the Rakuten bonus. But if you don't have a referral handy, or you prefer the simplicity of cash back, this is a solid alternative.

Finally, make sure you're eligible for the Chase card itself. Chase has rules like the 5/24 policy (no more than 5 new cards in 24 months) and restrictions on Sapphire bonuses (you can't get the bonus if you've had a Sapphire card in the last 48 months). So check your status before applying.

How to Make the Most of It

If you're new to Rakuten, now's a great time to sign up. They're offering a $40 bonus for new members, which you can stack on top of the card bonus. Just use a referral link (you can find one in the post or ask a friend) to get that extra cash.

Once you're in, click through to the Chase card you want, apply, and get approved. The Rakuten bonus should show up in your account within a few weeks. Easy peasy.

Bottom Line

• Rakuten is offering $50-$100 cash back for signing up for select Chase cards through their portal.
• This bonus stacks with the card's own welcome offer, giving you extra value.
• Check current rates and eligibility before applying, as offers change frequently.
• Consider referrals as an alternative if you have access to a better deal.

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