Rakuten Just Added Bank of America Cards — and the Bonus Is the Highest We’ve Seen
If you’ve been sitting on the fence about picking up a new rewards card, this might be the nudge you needed. Rakuten — the cash-back shopping portal millions of families already use for everyday purchases — has added Bank of America cards to its portal, and the signup bonus is reportedly the highest it’s ever offered through this channel: up to $300.
According to Doctor of Credit, Rakuten is offering up to an additional $150 on top of whatever Bank of America is already dangling as a welcome bonus when you apply through the Rakuten portal. Depending on which card you choose, that stacking potential brings total new-cardholder value up to $300 — a legitimately compelling number for a cash-back deal.
Why This Deal Stands Out
The “stacking” angle here is what makes it special. You’re not just getting Rakuten’s bonus or Bank of America’s welcome offer — you’re potentially layering both. For value-conscious households who already shop through Rakuten to earn cash back at places like Walmart, Target, and Home Depot, adding a Bank of America card through the same portal is a natural extension of something you’re already doing.
Spring is also a genuinely smart time to pick up a new rewards card. Lawn and garden season, travel planning, and outdoor gear purchases tend to spike spending — meaning you’re more likely to hit a minimum spend requirement quickly and naturally, without forcing purchases you wouldn’t otherwise make.
Who This Is Best For
- Families with regular household spending who want cash back rather than points games
- Rakuten users who already shop through the portal and want to double-dip on rewards
- Anyone planning a spring road trip or home improvement project — higher near-term spending makes hitting a welcome bonus threshold easier
- People in Bank of America’s footprint — if you already bank with BofA, adding a card keeps your financial life consolidated
A Few Things to Keep in Mind
We want to be straight with you: the specific card tiers and exact bonus breakdown weren’t fully detailed in the available information, so confirm the current offer on Rakuten’s portal before applying — bonus amounts and eligible cards can change. The Doctor of Credit report notes rates vary by card, so the $300 figure applies to the top-tier option.
Also, like any new card, this involves a hard credit inquiry. If you’re planning a major loan (mortgage, car) in the next few months, time this carefully.
How to Get It
- Log into your Rakuten account (or create one — it’s free)
- Navigate to the credit card or financial offers section
- Find the Bank of America card offers and compare the bonus amounts by card
- Apply through the Rakuten portal link to ensure your bonus is tracked
Don’t apply directly through Bank of America’s website — you need to go through Rakuten’s portal for the additional bonus to count.
Check the current offer on Rakuten’s portal now — bonuses like this don’t stick around forever, and “highest ever” deals tend to attract attention fast.
📌 Heads up: Always verify current bonus amounts directly on Rakuten’s site before applying. Offers can change without notice.