Inactive Account Fees

In plain English: They'll charge you $5 monthly from your earned cash back if you don't shop for a year.

“Except where prohibited by applicable law, if you have not shopped or started a shopping trip via the Services for more than twelve (12) consecutive months, Rakuten reserves the right to debit your Account balance five dollars ($5.00) per month ("Maintenance Fee") to recover the cost of account main...”

VERIFIED

This is an exact, word-for-word quote from Rakuten's Terms of Service.

Verified on May 1, 2026.

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