Rakuten, the cashback and shopping portal platform, is offering targeted promotions for new Chase Freedom Unlimited and Chase Ink Business Unlimited cardholders. Applicants who use the Rakuten portal to apply and are approved can receive up to 100 dollars in cashback or up to 10,000 Bilt Rewards points, depending on the offer variant. For 2026 frequent flyers building a family travel strategy, these elevated signup incentives add a layer of value on top of the cards’ existing welcome bonuses and ongoing earning rates.
Rakuten earns a commission from Chase when a customer is approved for a credit card through the Rakuten portal, and Rakuten shares a portion of that commission with the customer. The Freedom Unlimited and Ink Business Unlimited already offer solid welcome bonuses through Chase’s standard public offers. By routing the application through Rakuten, cardholders can stack the Rakuten incentive on top of the Chase welcome bonus, effectively increasing the total points or cash earned from a single application. The Bilt Points option is particularly interesting for frequent flyers because Bilt transfers to American Airlines AAdvantage, United MileagePlus, and Hyatt at a 1:1 ratio.
The Chase Freedom Unlimited earns 5 percent on travel purchased through Chase Travel, 3 percent on dining and drugstores, and 1.5 percent on all other purchases, with no annual fee. When paired with a Chase Sapphire Preferred or Sapphire Reserve in the same household, the Unlimited’s cashback converts to fully transferable Ultimate Rewards points. For a family whose monthly spend runs through grocery stores, dining, and general shopping, the Freedom Unlimited serves as a strong daily driver. The Rakuten bonus of up to 100 dollars or 10,000 Bilt Points adds an immediate boost.
The Ink Business Unlimited earns 1.5 percent cashback on all purchases with no annual fee, and like the Freedom Unlimited, its rewards become transferable Ultimate Rewards points when paired with a Sapphire card. For families with side businesses, freelance income, or rental properties, the Ink Business Unlimited is an easy card to use as a catch-all for non-bonus-category spending. The Rakuten signup bonus sweetens the proposition further.
This article draws on Rakuten credit card portal offers, Chase Freedom Unlimited and Ink Business Unlimited card terms, Bilt Rewards transfer partner charts, and Chase Ultimate Rewards program rules as of July 2026.
Q: Can I stack the Rakuten bonus with Chase’s public welcome bonus? A: Yes. The Rakuten incentive is separate from Chase’s card welcome bonus and stacks on top.
Q: Do I need to choose between cashback and Bilt Points? A: Rakuten typically offers both options, and you select your preference before applying. Bilt Points are best if you transfer to airline or hotel partners.
Q: Is the Rakuten offer available to existing Chase cardholders? A: These offers are generally for new cardholders only. Check the terms on Rakuten before applying.