You can earn money back on many of your online purchases when you use TopCashback.
The platform lists more than 7,000 participating retailers.
This article explains how it works, what you need to know, and how to make the most of it.
What TopCashback Is
You join TopCashback for free and use it to shop through their links rather than going directly to a store’s website.
When you purchase TopCashback, the retailer pays them a commission, and they pass a portion—or all—of that to you as cashback.
For example, if you buy something for US $100 and a retailer offers 4 % cashback through TopCashback, you would earn US $4 back.
TopCashback claims to give you 100 % of the commission they receive from the retailer, where many competitors keep a portion.
Where You Can Use It
Here are some current places where you can use TopCashback to earn the best cashback.
- Walmart — Up to 8 % cashback on many items.
- Best Buy — Up to 10 % cashback on select products (e.g., TVs, appliances) and lower rates (e.g., 2 %) on other items.
- The Home Depot — Up to 10 % cashback in categories like furniture, décor, bedding.
- Macy’s — Cashback offers up to about 8 % on department-store purchases.
- Bloomingdale’s — Cashback around 4 % through the portal.
- adidas Canada — About 4 % cashback on purchases in Canada.
How to Get Started
First, create a free TopCashback account with your name, email, and password. Then log in and search for the retailer or service you plan to use.
Next, click the “Get Cash Back” button from TopCashback’s website to the retailer’s site. That tracking link lets TopCashback know you came through them.
After you complete your purchase, the retailer confirms it, and your cashback appears in your account.
Once your funds are confirmed and marked payable, you can withdraw them by bank transfer, PayPal, or redeem them as gift cards.
How Much You Can Earn
Some stores might offer a few percent (for example, 1–5 %), while others may provide higher rates during special promotions.
TopCashback also offers a “Highest Cash Back Guarantee.”
If you find a higher cashback rate on a competing site, they’ll match it and give you 110 % of that rate for eligible purchases.
For instance, if another site offers 5 % cashback, TopCashback would offer 5.5 %. On a US $200 purchase, that means you’d earn US $11 instead of US $10.
Sample Scenario (With Prices)
Imagine you plan to buy a laptop for US $1,000. Retailer X is offering 3 % cashback through TopCashback.
- You click the retailer link on TopCashback.
- You purchase the laptop for US $1,000.
- Your account shows pending cashback of US $30 (1,000 × 3 %).
- After about 60 days—once the return window closes—the status changes to “payable.”
- You withdraw the US $30 through PayPal or bank transfer.
- If you also use an approved coupon code that saves you US $50, your final cost becomes US $950. Then, with the US $30 cashback, your effective cost drops to US $920.
Tips to Maximize Your Earnings
Over time, these earnings can add up, reinforcing the idea that small acts of stewardship can lead to meaningful benefits.
Use the browser extension and app
TopCashback offers a browser extension that alerts you when a retailer’s site supports cashback.
It helps you remember to activate it before shopping.
Stack deals when possible
Use the coupon codes listed on TopCashback and check if they can be combined with cashback.
Codes from the platform or the retailer itself are usually safe to use together.
Monitor tracking and payout status
After you shop, your cashback will show as “pending.” When the retailer confirms it, the status changes to “payable,” meaning you can withdraw.
Processing time varies, often from weeks to months, depending on the retailer’s return policy.
Read terms and exclusions
Some purchases may not qualify, such as those made with unapproved coupons or items that are returned.
If your cashback tracks lower than expected, you can submit a Missing Cash Back claim.
Common Mistakes and How to Avoid Them
One common mistake is visiting the retailer directly instead of clicking through TopCashback first. Your purchase won’t be registered.
Another mistake is applying coupon codes not listed on TopCashback, which can void your cashback.
Also, don’t expect an immediate payout. Many retailers confirm transactions only after the return window closes, which can take several weeks.
Finally, don’t focus solely on cashback percentage. Always compare total cost, not just rewards.
Frequently Asked Questions
Is there a minimum payout?
- In the United States, TopCashback generally has no minimum payout threshold. You can withdraw once funds are marked as payable.
Can I use TopCashback for in-store purchases?
- Some retailers allow in-store cashback if you register your card, but most offers are online-only.
Is it only for new customers?
- No. Most cashback offers apply to both new and existing customers, though some deals are exclusive to new users.
How long does it take to receive cashback?
- The time varies depending on the retailer’s confirmation process. It can take anywhere from a few days to several months before cashback becomes payable, followed by a short processing period for withdrawal.
Responsible Use and Final Advice
Cashback is not a reason to overspend. It rewards smart shopping but shouldn’t encourage unnecessary purchases.
Always buy what you need, compare prices, and ensure you activate cashback before checking out.
Withdraw your rewards regularly, and track your purchases so you understand where your money goes.
Many users find it helpful to reinvest their cashback into savings or essential expenses.
Conclusion
TopCashback lets you earn real money back on your everyday shopping. It’s free to use, simple to set up, and works with thousands of retailers.
You sign up, click through their link, shop as usual, and receive cashback once confirmed.
By stacking deals, using the browser extension, and following the program’s terms, you can consistently maximize your rewards.
