Rakuten is currently offering 100%+ cash back on web services like NordPass, so you can even come out ahead! If your Rakuten account earns Membership Rewards points, then you can rack up 100x points. At a minimum value of 1.1 cents per Membership Rewards point, cashing out through Schwab still seems profitable.

Make sure you sign up for Rakuten first—there’s currently a $50 / $5,000 sign-up bonus.

For example, NordPass

You can choose the most expensive plan, and it comes with a 30-day no-questions-asked refund policy, so even if Rakuten doesn’t track the purchase, you can just get a refund. There’s basically no downside.

NordProtect works similarly.