TopCashback makes it easy to earn cash back when shopping online with over 7,000 retailers. It has generous rewards rates and multiple payout options.
At a glance
What is TopCashback and how does it work?
TopCashback is a cash back app and browser extension that offers rewards for shopping online. When you shop with a participating retailer, you can earn cash back. With over 7,000 participating retailers, shoppers have many opportunities to earn rewards.
You must shop through the mobile app or use a TopCashback browser extension to earn cash back on your spending. Once you click on an available cash back offer, the app will direct you to the retailer's website to begin shopping.
How much cash back you earn depends on the retailer's cash back rate and how much you shop. You can cash out your earnings once you have a cash back balance. Multiple payout options are provided.
Apps like TopCashback offer additional ways to earn rewards beyond cash back credit cards. By earning cash back rewards, you may be able to save extra money or pay off debt sooner. Read our full TopCashback review to discover how using a cash back app like this could be a win for your personal finances.
Top perks
It's free
TopCashback is a free app. You won't be charged monthly fees or pay fees when cashing out your earned rewards. That means everything you earn is yours to keep.
Generous cash back rates
Unlike other cash back apps, TopCashback says it passes on 100% of the commissions earned to its users. Because of this, it has generous rewards rates. While rates vary by retailer, it's not unusual to see cash back rates as high as 10% or more.
Features more than 7,000 retailers
This free cash back app features over 7,000 retailers. With many participating retailers, you can earn cash back shopping at your favorite stores. Popular retailers include Adidas, Bed Bath & Beyond, Hotels.com, Macy's, Sephora, Target, The Home Depot, and Walgreens.
Earn rewards in-store and online
Users can earn cash back rewards in-store and online when using TopCashback. The majority of the rewards opportunities are for online shopping. However, TopCashback has Snap & Save offers for select retailers, allowing users to earn rewards when shopping in-store. If you see a Snap & Save offer that appeals to you, purchase the item and save your receipt. You'll be asked to submit a photo of your receipt showing that you made an eligible purchase through your online account.
Multiple payout options
You can choose how to get paid. TopCashback offers several ways to get paid, giving you flexibility. Options include PayPal, bank transfer, virtual rewards cards, and gift cards.
Get paid as soon as you have a cash back balance
Some of the best cash back apps require shoppers to meet a minimum threshold before they can cash out their cash back balance. That's not the case with TopCashback. For the most popular payout methods, PayPal and bank transfer, you can request a payout once you have at least $0.01 in your cash back balance.
Mobile app and browser extension
You can access TopCashback two ways. You can use the iOS or Android mobile app if you prefer to shop through your phone. If you prefer to shop from a computer, Chrome, Edge, and Firefox browser extensions are available.
Save money with included coupon codes
TopCashback is more than a cash back app. You'll also find coupon codes, which you can use to save money on your purchase. When coupons are available, you can find them by clicking on a specific retailer in the app. This is a great way to spend less money on your next purchase.
Get paid to refer friends
You can also get paid by referring your friends to TopCashback. By sharing your referral link with friends and family, you can earn $10 for each successful referral. If you like the app and are earning cash back, this is another way to make extra money to reach your financial goals faster and stick to your budget.
Payout bonus opportunities
TopCashback provides bonus payout opportunities. Some payout methods, like gift cards, come with a bonus. By choosing one of these payout methods, you could take advantage of a 1% to 5% cash back bonus.
What could be improved
Some payout methods have a minimum payout
While TopCashback doesn't have a set minimum payout threshold for all payout methods, some payment options have minimum thresholds.
You can request a PayPal payout or bank transfer to your savings or checking account once you have a balance of at least $0.01. But other payout methods require you to accumulate more earnings first.
Amex rewards cards have a minimum payout of $10, Visa rewards cards have a minimum payout of $5, and some gift cards have minimum payout thresholds ranging from $1 to $10.
These minimum payout amounts are reasonable, but it's something to know as you begin earning cash back with TopCashback.
If you want an app that lets you earn rewards when shopping online and in-store: Rakuten is an alternative cash back app with over 3,500 retailers. You can earn cash back shopping online or in-store with participating retailers. Cash back rates vary, but you can earn cash back rewards as high as 10%. If you primarily shop online, you may want to stick with TopCashback.
If you want an app that offers grocery cash back rewards: Ibotta is an alternative cash back app that makes it easy to earn cash back rewards online and in-store at grocery stores and other retailers. You can earn cash back by clipping offers and buying eligible products. Cash back rates vary, but you can expect to earn a few cents or a couple of dollars per offer. But if you aren't interested in earning grocery rewards, you may want to stick with TopCashback.
TopCashback is free to use.
This app is a good option for anyone who wants to earn cash back rewards by shopping online. TopCashback is easy to use, features over 7,000 retailers, has attractive cash back rates, and offers flexible payout options.
FAQs
No, TopCashback is free to download and use.
How much money you can earn depends on your shopping habits. Cash back rates vary by retailer, but you can expect to earn at least 2% at most participating retailers and upward of 10% or more. The earnings could add up fast if you regularly shop at participating retailers.
TopCashback provides multiple payout methods for greater flexibility, including PayPal, bank transfer, virtual rewards cards, and gift cards. For PayPal and bank transfers, you can cash out once you earn as little as $0.01. But some virtual rewards cards and gift cards have minimum payout thresholds of $1 to $10.
