By 
In the world of reward apps, nothing feels better than earning real cashback. If you shop online frequently and want to save more money, there are plenty of options available.
One of them is TopCashback, a shopping platform that claims its members save an average of over $450 per year.
But is TopCashback legitimate? And how easy is it to actually save money using this site?
I tested the platform to find out. In this TopCashback review, I’ll break down how the platform works, its earning potential, and real user feedback—so you can decide if it’s right for you.
What Is TopCashback.com?
TopCashback is a free international rewards website that originally launched in the UK in 2005. Since then, it has expanded to the United States, China, India, Japan, and Germany—making it one of the most globally accessible cashback platforms.
Today, TopCashback partners with more than 4,400 retailers, putting it in direct competition with cashback browser extensions like Rakuten. The platform offers a simple way to earn cashback on your online purchases. The company even claims to be the most generous cashback site in the U.S., with rates often reaching 10% or more.
Can You Really Make Money With TopCashback?
Yes—TopCashback is legitimate. The company allows you to earn real cashback when you shop through thousands of partnered retailers, and it has a large number of positive user reviews.
If you want to save more money and shop online often, platforms like TopCashback can definitely help. The best part is that it covers a wide variety of brands and categories, so almost anyone can find good ways to save.
How to Use TopCashback
Getting started with TopCashback takes just four simple steps:
- Sign Up
Signing up for TopCashback is completely free—just like Rakuten. All you need is an email address. According to TopCashback, they never sell your personal information to third parties. However, you will receive newsletters and promotional emails unless you unsubscribe.
Important: You must verify your account through the confirmation email before you can use the site.
- Browse Offers
Once your account is active, you can browse thousands of partner retailers to find cashback opportunities.
You must click through TopCashback before visiting a retailer’s website. This is how your cashback is tracked. When you make a purchase through one of their partners, the retailer pays TopCashback a commission—and TopCashback shares part of that commission with you.
Popular stores include Macy’s, Walgreens, GNC, Levi’s, Home Depot, Amazon, AT&T, Dell, Best Buy, and many more across categories like health, fitness, travel, beauty, tech, food, and niche categories such as eco-friendly products.
- Shop and Earn
Each retailer shows a specific cashback percentage. Many retailers offer 2% to 10% cashback, which is much higher than most credit card rewards.
Some offers are extremely generous. For example:
.ISPs may offer $100–$150 for switching services
.Certain brands occasionally offer 60% cashback or more
After completing a qualifying purchase, your cashback begins tracking—but it won’t appear immediately.
TopCashback explains:
“Retailers are invoiced for cashback at the end of the calendar month in which the transaction occurred.”
This means payments may take 1–2 months to reach your account, depending on the retailer.
- Get Paid
TopCashback differs from Rakuten when it comes to payouts. Rakuten pays quarterly and requires a minimum of $5. TopCashback, however, makes the process easier.
Once your cashback is marked as “payable” inside your account, you can withdraw it anytime using:
.ACH bank transfer
.PayPal cash
.Amazon gift card
.Walmart gift card
.Target gift card
.Prepaid Visa card
.Many other gift card options
TopCashback frequently adds new rewards, and some gift card options even include small bonuses.
Other TopCashback Features
Although TopCashback may seem like a simple cashback platform, it includes several additional features that enhance the user experience.
TopCashback Browser Extension
Missing cashback because you forgot to activate an offer is extremely frustrating. Luckily, the TopCashback browser extension prevents that.
Once installed (Chrome or Firefox), it alerts you when you’re on a partner website and allows you to activate cashback directly without visiting TopCashback first.
Mobile App
Online shopping through mobile devices continues to grow, and TopCashback supports it fully.
The Android and iOS apps allow you to:
.Earn cashback on mobile purchases
.Access printable coupons
.Search coupon codes
.Browse deals on the go
If you shop on your phone often, the app is very convenient.
Hot Trends
One feature I prefer over Rakuten is the “Hot Trends” section. It highlights the retailers where members are currently earning the most cashback. It’s updated frequently and is a great way to discover profitable offers or gift ideas.
TopCashback Plus (UK Only)
UK users can upgrade to TopCashback Plus for £5 per year, which unlocks additional rewards, bonuses, competitions, and enhanced cashback offers. It’s not available in other countries but shows how flexible their ecosystem is.
What Other Users Say About TopCashback
To evaluate any rewards app, it’s important to look at real user reviews. From what I’ve seen, feedback is largely positive.
Examples from Reddit:
.VanillaPumpkinCake:
“I’ve used TopCashback for almost 2 years and earned over $200. Never had issues with payouts. Switched from Ebates because they missed my payment.”
.crownuff:
“I’ve earned over $100. I use a separate browser with ad blockers disabled to avoid tracking issues.”
.wredditcrew (UK):
“I use TCB and Quidco for everything. It’s amazing.”
Some users mention occasional tracking problems, but submitting a support ticket usually fixes it. This is common among cashback platforms.
Overall, while Rakuten is more well-known, users who discover TopCashback tend to like the higher rates, flexible payout options, and no minimum withdrawal.
Pros and Cons
Pros
.High cashback rates
.Multiple payout options, including PayPal and bank deposit
.Over 4,000 partner retailers
.Available in several countries
.Completely free to use
.Browser extension and mobile app available
Cons
.No consistent signup bonuses
.Cashback takes time to process
.Some purchases may not track correctly
.Occasional need to contact support
TopCashback Alternatives
I’ve tested dozens of reward apps. Some are excellent, and others aren’t worth your time. TopCashback is definitely one of the stronger platforms, but alternatives include:
.Capital One Shopping (automatically applies coupons + cashback)
.Coupert (browser extension + paid cashback program)
.Rakuten (popular option with a $10 signup bonus)
.Honey (coupon finder extension)
.Kudos (helps choose the best credit card per purchase)
.Drop (North America’s leading shopping rewards app)
.Bridge Money (pays cashback automatically with linked cards)
Using multiple apps together can significantly boost your total savings.
TopCashback vs. Rakuten: Which Is Better?
If you want more payout options and don’t want to wait for quarterly payments, TopCashback is better.
In my tests, TopCashback usually offers slightly higher cashback rates. However, Rakuten provides easier user experience and better signup bonuses.
I personally use both—comparing cashback rates before each purchase.
Is TopCashback a Scam?
No—TopCashback is not a scam. I was able to withdraw funds successfully, and the platform paid out as expected.
However:
.You must shop through TopCashback for tracking to work
.Cashback takes time to process
.It won’t make you rich
But it is a reliable way to keep more money in your pocket.
Final Verdict
I hope this TopCashback review helps you understand the platform’s strengths and weaknesses before signing up.
Many reward platforms claim to save you money. TopCashback actually delivers, thanks to its wide variety of partners and flexible payout options.
If you want to earn free PayPal cash or gift cards on your next online purchase, I highly recommend giving TopCashback a try.