Earn easy cash back on your online purchases with TopCashback — plus, enjoy a $25 sign-up bonus
Editor's Note
If you're not starting your online purchases by going through a cash-back site, I can promise you that you're leaving some money on the table.
There are many shopping portals that let you earn rewards on your online purchases. While some portals award airline miles, Chase Ultimate Rewards points or American Express Membership Rewards points, TopCashback offers money back in the form of cash or gift cards.
Plus, it has one valuable feature that no other cash-back portal has: a "Highest Cash Back Guarantee." Right now, TopCashback is offering a $25 welcome bonus for new members, so it makes sense to try it out even if you decide it's not worth it long-term. As they say, every little bit helps.
Thankfully, getting extra rewards is as simple as a couple of extra clicks. Here's how to maximize your rewards with TopCashback and earn an easy $25 bonus when you earn your first $10 back.
Referral bonus: Earn $25 cash back when you earn your first $10 back with TopCashback
What is TopCashback?
TopCashback is an online shopping portal that partners with over 7,000 retailers, including big names like Adidas, Apple, eBay, Macy's and Sephora, as well as some travel brands, like Marriott, Vrbo and Hilton. You can use the portal to earn cash back on certain gift card purchases and place orders for curbside pickup.
TopCashback calls itself "the USA's most generous cash back website." That's because it passes 100% of the day-to-day commission from merchants on to members. The site explains that it makes money through advertisements and sponsored links labeled "zero cash back." Merchants also pay the site bonuses from time to time.
How to sign up for TopCashback
If you're not yet a member, now is the perfect time to join because TopCashback is offering a lucrative holiday deal. From now until Dec. 31, new members will receive a $25 welcome bonus when joining using this link and earning their first $10 of cash back.
Signing up for TopCashback is easy. Just head to the website, enter your email and choose a password. Once you've joined, you can immediately start earning on your online purchases and earn cash back for every friend you refer who completes their earning requirements.
Note that new members cannot earn this bonus when combined with freebie offers.
How to use TopCashback
TopCashback works just like any other online shopping portal once you have an account. Head to the site before making any online purchases.
There's a search box at the top, which you can use to search for the merchant you want to shop with. Then, click through to the retailer's site to complete the purchase.
When you click the "Get Cash Back" button next to a store, a new window or tab will open, indicating that you're being redirected to the merchant's website. You must complete your purchase in that window so that TopCashback can track how much you spent and reward you.
Alternatively, if you want to simplify your life, you could download TopCashback's browser extension.
It's available for Chrome, Safari, Edge and Firefox and automatically notifies you when you shop with a participating retailer. So, you'll need to click "Activate Now" to earn cash back instead of going through the main portal. It will also show you any coupons available for that site.
Transactions should appear on your earnings page within seven days. First, they'll appear as "Pending," meaning that your transaction has been recorded, but the retailer hasn't yet confirmed that all criteria for cash back have been met.
Then, your transaction will switch to "Confirmed" status within a month. The final step is to wait for your transaction to become "Payable." This usually occurs within a few weeks once the affiliate network invoices the retailer, though it can take up to 90 days.
You can claim your cash back at any time once it reaches payable status. TopCashback allows you to cash out through PayPal, automated clearing house transfer and a variety of gift card options with retailers such as Amazon, Disney and Sephora — though some merchants have minimum amounts for gift card rewards.
Unlike with some cash-back portals, there are no minimums to request a payout. You can usually get up to a 5% bonus when you request your payout as credit with certain merchants or as a Visa or American Express prepaid card.
Cash-back guarantee on TopCashback
TopCashback stands out from other online shopping portals because it offers a "Highest Cash Back Guarantee."
Plain and simple: If you find a better cash-back deal on another site, you can file a claim, and TopCashback will match the offer once it's been reviewed and approved. This is the only online shopping portal we know that offers a guarantee like this.
The higher rate must have been offered on the same day your transaction occurred. Also, TopCashback will only match cash-back rates from the following competitors:
- BeFrugal
- Capital One Shopping
- GoCashBack
- Honey
- MaxRebates
- Mr. Rebates
- Rakuten
- Tada
In other words, you can't match nonmonetary rewards, such as airline miles.
To file a claim, you must fill out a form via the customer service page. You must submit it within seven days of the transaction date, with the transaction visible in your account. Although there's no option to attach files to the initial claim form, TopCashback suggests retaining a timestamped screenshot of the higher offer.
Your best bet for maximizing this feature is to use a shopping portal aggregator like Cashback Monitor.
It allows you to search for retailers and see the earning rates you'd get across all applicable shopping portals. So, even if TopCashback isn't offering the highest rate, you'll be able to see who's offering a better rate to match it.
Related: Use a shopping portal aggregator to maximize online purchases
Important reminders when using TopCashback
Using TopCashback is relatively straightforward, but there are a few important things to keep in mind:
- For TopCashback to track your shopping trips, you must have cookies enabled on your browser.
- Only use promotions or promo codes found on the portal; if you use others, they may void your rewards.
- Be sure to read the restrictions for each merchant. Many will not count gift cards as eligible purchases for earning bonuses, and others will exclude certain products.
- Remember to pay with a rewards card that will offer the best earning rate on your purchase. Most online merchants don't fall into the traditional bonus categories, so you'll probably want to stick with a card that's good for everyday purchases.
For example, you can use the Capital One Venture X Rewards Credit Card or Capital One Venture Rewards Credit Card and earn 2 miles per dollar on all purchases.
Also, remember that the "Highest Cash Back Guarantee" is only useful if you're trying to earn cash back. If you're flexible, you can sometimes get a greater return by going through a portal that earns points or miles — even if the earning rate is lower.
For instance, with Rakuten, you can opt to earn American Express Membership Rewards points instead of cash back. TPG values Amex points at 2 cents apiece as of October 2025, effectively doubling your return over the same cash back. If you had to choose between earning 3% cash back via TopCashback and earning 2 Amex points per dollar spent via Rakuten, you'd get a higher return with Rakuten if you value Amex points similarly to TPG.
Bottom line
You should always use a shopping portal when making online purchases.
If it's cash-back rewards you're after, TopCashback is a great tool to bookmark thanks to its "Highest Cash Back Guarantee." And until Dec. 31, new members will receive a $25 welcome bonus when they earn their first $10 of cash back.
Related reading:
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.