Overview
- Purchasing the $275.88 Family Unlimited annual plan through Rakuten yields either $275.88 cash back or about 27,588 Amex Membership Rewards or Bilt points.
- Members must set their Rakuten earnings preference in advance to receive Amex points, while Bilt can be selected without pre-setting the preference.
- New Rakuten users can stack the promotion with a refer‑a‑friend bonus worth $50 (or 5,000 points) after a qualifying first purchase.
- Shoppers are advised to confirm the 100% back or 100x display at checkout, expect an initial $0 pending entry that updates, and cancel auto‑renewal to avoid future charges.
- Reports indicate monthly plans likely earn 100x only on the first month and note the deal may be limited to new Incogni customers’ first payment, with Bilt’s full 1:1 earnings requiring elite status after May 15, 2026.