These offers are time sensitive. If by the time you read this it’s already gone, save this guide and check frequently as they do come back often.

Rakuten is back with a handful of outsized offers that are especially interesting if you already use things like VPNs, Antivirus software, or identity protection services.

But even if you don’t actually need those subscriptions, these promos can still be incredibly valuable. In many cases, they function as a way to essentially “buy” points at a steep discount.

Right now, Rakuten is offering up to 97% back, which translates to 97x points per dollar if you choose to earn American Express Membership Rewards or Bilt points instead of cash back.

When you opt for points, this becomes one of the fastest ways to generate tens of thousands of points without opening a new credit card.

First Things First: Don’t Skip This Step

If you’re new to Rakuten, before you do anything else:

Create a free Rakuten account using our Cloud9Club link.

Then, switch your payment method in Rakuten’s account settings to get paid out in either Amex or Bilt points instead of cash back.

You’ll earn a 5,000 point bonus after your first qualifying purchase.

That bonus stacks on top of the deals listed below.

Current Offers

NordVPN 97x

Surfshark 97x

Norton Antivirus 95x

LifeLock 90x

How These Deals Works

Let’s use the LifeLock promotion as an example, as it’s usually the one that allows you to earn the most.

If you purchase the Ultimate Plus plan for $395 while earning Amex points, you’ll earn over 35,000 Membership Rewards points from the purchase alone.

Add the 5,000-point Rakuten signup bonus, and you’re looking at 40,000+ Amex points from a single transaction.

The other examples above work the same way. Sign up for the service you want by clicking through Rakuten and earn a massive amount of points for a relatively small purchase.

Terms & Exclusions (Read This Before Buying)

There are a few important rules to follow so this tracks correctly:

• Cash back (or points) is not available on free trials
• Always read the fine print for each individual offer before purchasing. Some are for new users only, some exclude certain membership tiers, etc.
• Cancelling your purchase and getting a refund will result in Rakuten taken your points back (so no cheating!)
• Do not use coupon codes that aren’t listed on Rakuten as they may also void your points.

Follow those rules and this should track without issues.

Final Reminder

Make sure your Rakuten account is set to earn Amex or Bilt points, not cash, click through Rakuten before purchasing, and don’t wait! These offers aren’t always this high, but they do come around often if you miss it this time!

If you’ve been looking for a clean, high-impact way to boost your balance without opening another card, this is exactly the kind of opportunity to act on quickly.