Rakuten offering up to $100 or 10K Bilt points for three Chase cards

If you are planning to add a new credit card to your wallet, check your Rakuten account first. According to the rewards tracking site Frequent Miler, Rakuten is currently offering up to $100 in cash back or up to 10,000 Bilt points when you apply through its shopping portal and are approved for three specific Chase cards. Chase, one of the nation's largest banking giants, issues these popular business and consumer cards. The offer applies to the Chase Freedom Unlimited card, the Ink Business Unlimited card, and the newly added Ink Business Cash card. There is a catch regarding how you cash out your rewards. Your Rakuten account must not be set to earn American Express Membership Rewards. Furthermore, the Bilt points conversion rate depends entirely on whether you hold Bilt elite status. If you have status, the cash back converts at a one-to-one ratio into 10,000 Bilt points. Without status, the conversion drops to two cents per point, making the straight cash back option much more appealing. These Rakuten bonuses arrive on top of the standard welcome offers provided directly by Chase, letting you double dip on rewards for the same application. However, check your existing customer status with Chase first, as current customers or depositors may see fluctuating cash back rates depending on internal rules. For business owners managing expenses, the Ink Business Cash and Ink Business Unlimited cards offer a flat $100 bonus through Rakuten with fewer customer restrictions. Before you submit an application, compare these portal rates with household referral bonuses to ensure you squeeze the maximum value out of every new card.