TopCashback is one in every of many buying portals that allow you to earn rewards in your on-line purchases. While some portals award airline miles, Chase Ultimate Rewards factors or American Express Membership Rewards factors, TopCashback presents a reimbursement within the type of money or reward playing cards. Plus, it has one worthwhile function that no different cash-back portal has: a “Highest Cash Back Guarantee.” And proper now, TopCashback is providing a $35 welcome bonus for brand new members.
With inflation remaining a severe concern for a lot of Americans, each little bit helps. Thankfully, getting further rewards is tremendous easy — it simply requires a few further clicks. Here’s tips on how to maximize your rewards with TopCashback.
Related: The learners information to airline buying portals
What is TopCashback?
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TopCashback is a web-based buying portal that companions with over 7,000 retailers, together with large names like Adidas, Apple, eBay, Macy’s and Sephora, and a few journey manufacturers, like Marriott, Vrbo and Hilton. You can use the portal to earn money again on sure reward card purchases and place orders for curbside pickup.
TopCashback calls itself “the USA’s most beneficiant cashback web site.” That’s as a result of it passes 100% of the day-to-day fee from retailers on to members. The website explains that it makes cash by means of commercials and sponsored hyperlinks labeled “zero cashback.” Merchants additionally pay the positioning bonuses sometimes.
How to join TopCashback
If you are not but a member, now’s the right time to affix as a result of TopCashback is providing a profitable early Black Friday deal. From now till Dec. 2, new members will obtain a $35 sign-up bonus whenever you be part of utilizing this hyperlink and earn your first $10 of money again. This new member bonus will drop to $25 beginning Dec. 3.
Note that new members can not earn this bonus when mixed with freebie presents.
How to make use of TopCashback
TopCashback works similar to every other on-line buying portal after you have an account. Head to the positioning earlier than making any on-line purchases.
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There’s a search field on the high, which you should use to seek for the service provider you wish to store with. Then, click on by means of to the retailer’s website to finish the acquisition.
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When you click on the “Get Cash Back” button subsequent to a retailer, a brand new window or tab will open, indicating that you simply’re being redirected to the product owner’s web site. You should full your buy in that window in order that TopCashback can observe how a lot you spent and reward you.
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Alternatively, if you wish to simplify your life, you could possibly obtain TopCashback’s browser extension.
It’s out there for Chrome, Edge and Firefox and can mechanically notify you whenever you’re buying with a collaborating retailer. So, you may have to click on “Activate Now” to earn money again as a substitute of going by means of the principle portal. It may also present you any coupons out there for that website.
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Transactions ought to present up in your earnings web page inside seven days. First, they will seem as “Pending,” which means that your transaction has been recorded however the retailer hasn’t but confirmed that every one standards have been met for money again. Then, your transaction will swap to “Confirmed” standing inside a month. The remaining step is to attend on your transaction to grow to be “Payable.” This normally happens inside a couple of weeks as soon as the affiliate community invoices the retailer, although it will probably take as much as 90 days.
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You can declare your money again at any time as soon as it reaches payable standing. TopCashback lets you money out by means of PayPal, automated clearing home switch and quite a lot of reward card choices with retailers reminiscent of Amazon, Disney and Sephora — although some retailers have minimal quantities for reward card rewards.
Unlike with some cash-back portals, there aren’t any minimums to request a payout. You can normally stand up to a 5% bonus whenever you request your payout as credit score with sure retailers or as a Visa or American Express pay as you go card.
TOPCASHBACK.COMCash-back assure on TopCashback
TopCashback stands out from different on-line buying portals as a result of it presents a “Highest Cash Back Guarantee.” Plain and easy, if you happen to discover a higher cash-back deal on one other website, you possibly can file a declare, and TopCashback will match the supply as soon as it has been reviewed and authorized. This is the one on-line buying portal we all know to supply a assure like this.
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The increased price will need to have been provided on the identical day your transaction occurred. Also, TopCashback will solely match cash-back charges from the next opponents:
BeFrugalGoCashBackHoneyMaxRebatesMr. RebatesRakutenTada
In different phrases, you possibly can’t match nonmonetary rewards, reminiscent of airline miles.
To file a declare, you should fill out a kind through the customer support web page. It should be submitted inside seven days of the transaction date, with the transaction seen in your account. Although there isn’t any possibility to connect recordsdata to the preliminary declare kind, TopCashback suggests retaining a timestamped screenshot of the upper supply.
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Your greatest guess for maximizing this function is to make use of a buying portal aggregator like Cashback Monitor. It lets you seek for retailers and see the incomes charges you’d get throughout all relevant buying portals. So, even when TopCashback is not providing the very best price, you can see who’s providing a greater price to match it.
Related: Use a buying portal aggregator to maximise on-line purchases
Important reminders when utilizing TopCashback
Using TopCashback is comparatively simple, however there are a couple of vital issues to remember:
For TopCashback to trace your buying journeys, you should have cookies enabled in your browser.Only use promotions or promo codes discovered on the portal; if you happen to use others, they might void your rewards.Be positive to learn the restrictions for every service provider. Many is not going to rely reward playing cards as eligible purchases for incomes bonuses, and others will exclude sure merchandise.Remember to pay with a rewards card that can supply one of the best incomes price in your buy. Most on-line retailers do not fall into the standard bonus classes, so you may most likely wish to keep on with a card that is good for on a regular basis purchases.
For instance, you should use the Capital One Venture X Rewards Credit Card or Capital One Venture Rewards Credit Card and earn 2 miles per greenback on all purchases.
Also, keep in mind that the Highest Cash Back Guarantee is barely helpful if you happen to’re making an attempt to earn money again. If you are versatile, you possibly can generally get a larger return by going by means of a portal that earns factors or miles — even when the incomes price is decrease.
For occasion, with Rakuten, you possibly can choose to earn American Express Membership Rewards factors as a substitute of money again. TPG values Amex factors at 2 cents apiece as of November 2024, successfully doubling your return over the identical money again. If you had to decide on between incomes 3% money again through TopCashback and incomes 2 Amex factors per greenback spent through Rakuten, you’d get a better return with Rakuten if you happen to worth Amex factors equally to TPG.
CASHBACKMONITOR.COMBottom line
You ought to all the time undergo a buying portal when making on-line purchases.
If it is cash-back rewards you are after, TopCashback is a good device to bookmark because of its Highest Cash Back Guarantee. And till Dec. 2, new members will obtain a $35 sign-up bonus whenever you earn your first $10 of money again.
However, you possibly can generally get larger worth by means of a portal incomes factors or miles, so it is vital to do the maths and see what makes essentially the most sense.