Rakuten is one of the oldest cashback platforms on the internet. But in 2026, with dozens of newer apps competing for attention, is it still worth using? We tested Rakuten in real shopping scenarios and compared payouts, speed, and effort. For a broader view of cashback options, see our best cashback apps guide.
Rakuten promises something simple: earn money back when you shop online.
For years, it has been one of the most recommended cashback platforms. But many users are frustrated by slow payouts, missed tracking, and small percentages that add up slowly. The core idea still works because your attention has real value, but the execution matters.
This review breaks down how Rakuten actually performs in 2026, who it makes sense for, and when other apps are a better choice.
Stack Rakuten With Other Income Apps
Rakuten works best as part of a stack, not as a standalone income source. Combine it with location and referral-based apps to earn more.
What Is Rakuten?
Rakuten is a cashback platform that partners with online retailers. When you shop through Rakuten links, the retailer pays Rakuten a commission. Rakuten then shares part of that commission with you as cashback.
The model is simple and legitimate. The main question is whether the payout is worth the wait.
How Much Can You Earn With Rakuten?
Rakuten does not pay fast, but it can pay consistently.
Based on our testing, typical users earn between $5 and $25 per month depending on how often they shop online and whether they activate cashback consistently.
| User Type | Monthly Spend | Typical Cashback |
|---|---|---|
| Occasional | $300-500 | $3-8 |
| Regular | $800-1,500 | $10-20 |
| Heavy online shopper | $2,000+ | $20-40+ |
The numbers look small because Rakuten is not designed to be a primary income source. It works best as part of a broader income strategy.
Rakuten Payout Speed and Thresholds
This is where Rakuten frustrates most users.
- Payout frequency: Quarterly
- Minimum payout: $5
- Payout methods: PayPal or check
If you miss the cutoff, your money waits another quarter. That makes Rakuten one of the slowest paying cashback apps.
Pros and Cons of Rakuten
Pros:
- Works with hundreds of major online retailers
- Higher cashback rates during promotions
- Browser extension makes activation easier
- No receipt scanning or card linking required
Cons:
- Very slow payout schedule
- Easy to forget activation and miss cashback
- Low earnings for infrequent shoppers
- Tracking issues can happen
Rakuten vs Other Cashback Apps
Rakuten shines for online shopping, but it loses to competitors in other categories.
- Compared to Ibotta, Rakuten is easier but slower
- Compared to receipt apps, Rakuten requires more planning
- Compared to location-based apps, Rakuten pays less per action
For a broader comparison, see our list of best cashback apps.
Who Rakuten Is Best For
Rakuten is a good fit if you:
- Shop online regularly at major retailers
- Do not mind waiting for quarterly payouts
- Want a low effort, set-and-forget option
- Already use browser extensions
Rakuten is not ideal if you:
- Need fast payouts
- Shop mostly in physical stores
- Want predictable weekly earnings
Is Rakuten Worth It in 2026?
Rakuten is still legitimate and still pays. It just requires patience.
As a standalone app, it will disappoint users chasing quick money. As part of a broader system, it works.
The smartest way to use Rakuten is to combine it with passive income apps, referral bonuses, and faster-paying methods like location-based rewards.
Combine Slow and Fast Payout Apps
Rakuten works in the background. VISU pays for real-world actions. Together, they balance speed and consistency.
FAQ: Rakuten Review
Is Rakuten legit?
Yes. Rakuten is a legitimate cashback platform that pays users through PayPal or check, but payouts are quarterly.
How long does Rakuten take to pay?
Rakuten pays quarterly. Depending on when you earn cashback, it can take several weeks or months to receive payment.
Does Rakuten work on every purchase?
No. Cashback only applies if you activate Rakuten before shopping and the retailer tracks correctly.
Can Rakuten replace a job?
No. Rakuten is best used as supplemental income or savings, not a primary income source.
How does Rakuten compare to Ibotta?
Rakuten is better for online shopping with less effort. Ibotta is better for grocery cashback but requires more active use. Many users stack both.
Can I use Rakuten with other cashback apps?
Yes. Rakuten tracks online purchases, so it stacks well with receipt apps, location-based apps, and credit card rewards without conflict.
Ready to Earn Faster Than Rakuten?
VISU pays instantly for real-world visits. No waiting quarters for your money.