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Get 100% Cash-Back on a Digital Privacy Service — Or Use This Offer To Buy Amex or Bilt Points at 1 Cent Each

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Chris Hassan
Edited by: Ryan Smith
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If you’re looking to tighten up your digital privacy while simultaneously boosting your points balance, we’ve got a great deal for you.

Right now, Rakuten is offering a rare 100% cash-back deal at Incogni. However, depending on how you set up your account, you can get 100x points from American Express Membership Rewards or Bilt Rewards.

This effectively brings the cost of buying Amex or Bilt points down to about 1 cent each, which is an incredible deal — especially if you value the data removal service that is included.

This deal won’t last long, so let’s take a look at the details.

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Get 100% Back on Incogni With Rakuten

With a seemingly unlimited amount of information online, you might have noticed that even your personal information has made its way onto the web, thanks to companies that collect and sell data. That’s where Incogni comes in.

Incogni helps protect your digital privacy by automatically removing your personal information from data-broker databases. This means fewer spam calls, emails, doxxing, and phishing attempts.

Right now, Rakuten is offering 100% cash-back when new users sign up for Incogni.

Rakuten Incogni 100
Image Credit: Rakuten

While 100% cash-back is great, what makes Rakuten especially appealing is that users can opt to receive American Express Membership Rewards or Bilt Rewards points instead of cash. In other words, you can swap that 100% cash-back for 100x Amex or Bilt points instead.

If you want to take advantage of this deal, there is some fine print to be aware of:

  • Cash-back is only available to new Incogni customers on the first payment of a subscription plan.
  • Cash-back is not available on gift cards or purchases made with gift cards.
  • Using coupon codes that are not listed on Rakuten will void cash-back.
  • Cash-back will be automatically added to your Rakuten account the day of your purchase.

As good as this cash-back offer is, it can be even better if you opt to receive points — which could get you even more value back from your purchase.

We value Amex points at 2.2 cents apiece, meaning the top-tier, $275 plan would earn you $605 worth of points, which is more than 2x the value of taking the cash-back.

And if you opt to receive Bilt Points, which we value at 2 cents apiece, you would earn a nice chunk of points with a program that can be hard to earn points with if you aren’t paying your rent or mortgage with a Bilt credit card.

Hot Tip:

Starting May 16, 2026, only Silver, Gold, and Platinum Bilt Rewards members will receive 100 Bilt Points for every $1 transferred from Rakuten. Blue status will only receive 50 points per $1.

Final Thoughts

Right now, you can score 100% cash-back or 100x points from Amex or Bilt when you make a purchase with Incogni via Rakuten.

This is a great way to remove some personal information from the internet while also earning a nice chunk of valuable points on top.

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About Chris Hassan

Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a passion for making content catered toward family travelers.

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