Rakuten Big Stack: The Best Store Rates to Hit June 22–26
Rakuten's Big Stack runs June 22–26 with 10% back at hundreds of stores; select new-member rates go up to 27%. The standout rates and how the stack works.
By Vamsi, RewardsGuru.club. Published June 22, 2026, updated August 6, 2026.
Updated August 1, 2026: These were June's top rates. As of our tracker's August 1 scrape the leaders are Saily at 20%, Stuart Weitzman Outlet and Total Wireless at 15%, and Viator at 14%. The stacking method below is what carries over; the store list rotates constantly. For the newest weekly rate drops, see Rakuten's Big Deal Reveal.
Rakuten is running an event called The Big Stack: 10% Cash Back at hundreds of stores, with a handful of shops pushing way past that. You have until June 26 to shop it, so this is a "sometime this week" deal, not a tonight-or-never panic. Rakuten runs stacked events like this often. See how 36 stores jumped their cash back in a recent Black Friday in July event for another example. The one catch worth knowing up front: most of the eye-catching rates you see are the new-member display rates, and they bake in a welcome boost. More on that below before you go spend anything.
The standout stores
These are the highest rates Rakuten is showing right now. Heads up: the percentages below are the logged-out / new-member display rates, which include the +10% new-member welcome boost. If you already have a Rakuten account and you're logged in, you'll usually see a lower number. Always check the live rate on the store's own Rakuten page before you buy.
| Store | Cash Back (incl. new-member boost) |
|---|---|
| IHG Hotels & Resorts | up to 27% |
| PetSmart | 25% |
| Dermstore | 25% |
| Macy's | 20% |
| Nike | 20% |
| Dell Technologies | 20% |
| QVC | 20% |
| Lenovo | 20% |
| Viator | 20% |
| StubHub | 20% |
| Best Buy | up to 16% |
| CVS | 15% |
| TurboTax | 15% |
| Sam's Club | up to 14% |
| TEMU | 13% |
| Ticketmaster | up to 13% |
More 20% stores not in the table above: Gap, iHerb, American Eagle, VistaPrint, Lands' End, Belk, AliExpress, DSW, and HSN. Staples, Office Depot/OfficeMax, and LEGO sit at "up to 20%."
The 12% tier covers Sephora, Bloomingdale's, Nordstrom, Kohl's, Chewy, Ulta Beauty, Old Navy, IKEA, Nordstrom Rack, Groupon, and Dick's Sporting Goods. At 11% you've got Lowe's, Target, and Instacart, with eBay at "up to 11%." Hotels.com, Priceline, and adidas land at "up to 10%."
Two oddballs worth flagging: Amazon is a flat $5 Cash Back (not a percentage), and SoFi Banking is a $125 Cash Back sign-up-style offer rather than a shopping rate.
How the stack works
The reason this event is called the Big Stack is that the Cash Back layers on top of stuff you'd be getting anyway. Per Rakuten, "Cash Back stacks on top of sales and credit card rewards." Coupons and promo codes stack too, and the Rakuten browser extension auto-applies them at checkout. Your credit card still earns its normal rewards on the full purchase price. If you're stacking with Chase's Sapphire Reserve, see how the StubHub credit stacks with Rakuten for an extra layer.
So the layers, in order:
- The store's own sale drops the price.
- A coupon or promo code comes off next, auto-applied by the extension.
- Rakuten Cash Back pays you a percentage of what you actually spend.
- Your credit card rewards post as usual on the full charge.
Here's the math on a clean example. Say you spend $200 at a 20% store, and you pay with a generic flat 2% card.
- Rakuten Cash Back: 20% of $200 = $40
- Your card: 2% of $200 = $4
- Combined: $44 back on a $200 order, before you even count any sale or coupon that knocked the price down first.
Stack a sale and a code on top of that and the effective discount climbs further. That's the whole pitch.
Read the fine print
A few things to keep straight so you don't get surprised:
- The headline rates include the new-member boost. New members get an extra 10% Cash Back, up to $50 total. The rates in the table reflect that. Existing logged-in members typically see less.
- "Your Cash Back may vary" is Rakuten's own language. The live rate on the store page is the one that counts, so check it right before you check out.
- Confirm the live rate, every time. A rate you saw in this article, or on the homepage yesterday, is not a guarantee for your account today.
- Payout runs on a quarterly schedule. Rakuten pays every 3 months via PayPal, check, or Bilt Points. Eligible American Express Card Members can opt to earn Membership Rewards points instead of cash. Terms apply.
- The window is June 22–26, 2026. You've got a few days, not a few hours. Plan the purchases you were already going to make rather than inventing new ones to chase a percentage.
Your next step
Pick the one or two stores from the table where you actually had something to buy this week. Open the store's Rakuten page, confirm the live rate matches what you expected, run your purchase through, and let the Cash Back, any auto-applied coupon, and your card rewards all post. That's the entire move. The event runs through June 26, so you have room to be deliberate about it.
Source: rakuten.com homepage, captured June 22, 2026.
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Do this with your own numbers
- Best card finder — paste a store link, see the best card and portal rate
- Purchase optimizer — run your own spending through the same numbers this article used