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TopCashback Review: How This Cash Back Portal Works

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Getting cash back just by shopping is quite frankly, awesome. Who wouldn’t want to make a little money off of what you are regularly spending.

While there are several cash back applications and websites available for you to use, this review will specifically focus on the app TopCashback.

In this TopCashback review, we’ll cover how it will quickly become your go to app for shopping, because they offer cash back for literally everything, from clothes and perfume, to airfare and hotels. This website is made for people who shop and want to see some benefits from their purchases.

In this review I’ll break down all the details of TopCashback. I’ll tell you how to sign up, how it works, how much you can earn, whether it’s a legit site or a scam, and I’ll even share feedback from TopCashback users.

At the end of the review, hopefully you’ll have a better idea of what TopCashback is and whether you want to go ahead and get started making money by simply shopping online.

What Is TopCashback?

It’s the perfect way to earn money online.” -TopCashback

TopCashback was first established in the UK in 2005. In 2011, they launched their services in the U.S. and the rest has been history. With over 8 million members from around the globe, clearly TopCashback is doing something right.

To join is free and they claim to guarantee your access to some of the highest cash back options on the market. There’s a reason why they were voted the UK’s number one cashback website in 2017 and why it is one of the fastest growing cash back websites in the U.S.. They have helped their U.S. consumers save several millions to date.

How TopCashback Works?

With a website like this you expect there to be some kind of catch, but in reality there isn’t one. TopCashback passes 101% of their commission on to their customers in the form of cash back.

With TopCashback you have access to nearly 5,000 different merchants, which explains how they’ve managed to appeal to such a large group of people. You’ll even find big companies like eBay and Amazon featured on their website.

The basic rundown of TopCashback is pretty simple. Check out their website or download the app, and start shopping. You can search for a specific store or you can browse through their list of categories to generate a list of stores offering cash back.

Basically whenever you decide to shop online, it will be in your best interest to shop via the TopCashback website in order to receive your cash back bonuses.

The cash back percentage for each merchant will vary, but in general you can expect at least 3% cashback at most stores and sometimes you’ll see as much as 12% or higher.  If you browse frequently, you’ll get to stay on top of the best deals. Once you complete your purchase, you can expect your cash back earnings to post into your account within two to seven business days.

The best part of TopCashback is that there is no minimum to cash out, so you don’t feel the pressure to shop constantly just to reach a minimum. With this site, you can have access to your cash any time and cash out in the form of gift cards, direct deposit or PayPal.

The main two things to remember with TopCashback are to clear your cookies before you make a purchase and that you must complete your purchase to earn cash back. This will ensure that there isn’t any confusion with your purchases and the amount of cash back that you are supposed to receive.

How To Sign-Up

TopCashback is easy and free to sign up for. All you need is a working email address and within a few minutes you can be signed up.

TopCashback doesn’t require a lot of information from you, though you can choose to fill out a profile in order to receive some deals a bit more tailored to your needs.

You will need to provide your banking information or PayPal information when you set up your account so your funds have a place to go once you cash out.

Ways To Earn and Save on TopCashback

1.Shop Via The Website

The primary way to earn cash on TopCashback is to shop at one of the many retailers through their website. Simply search for a retailer, look for the item you want to purchase, checkout and receive a notice from TopCashback that your purchase has been confirmed.

2. Download the App

By downloading the TopCashback app, you’ll have instant account access, coupons and in-store coupons available.

3. Coupon Codes

TopCashback sources coupon codes for a lot of their top merchants. These codes can be used in conjunction with the regular cash back offers. Talk about double savings!

4. Payout Bonus

While there are several ways to cash out via TopCashback, if you opt to go with an Amazon gift card or American Express Rewards Card, you’ll earn an extra 3% cash back on top of your accrued cash back earnings.

How Much Can I Expect to Earn?

How much you can earn on TopCashback will vary from person to person. We all shop at different retailers and different retailers offer different cash back percentages. You’ll also need to factor in how much money you are spending at these different vendors and how often you are shopping.

Current Top Deals Include:

  • 10% cash back at Puma
  • 10% cash back at Tory Burch
  • 10% cash back at Groupon
  • 8% cash back at Bed, Bath & Beyond
  • 7% cash back at iHerb

As you can see, there are several great deals going on and that’s just five out of thousands of available retailers. In terms of making money, it’s best to use TopCashback as a way to save money while you are shopping and look at the cash back as an added bonus.

Some reviewers have reported making $100s of bucks in cash back, while others may only manage $20 or $30. Again, it depends on how much you’re shopping and which retailers are offering the best cash back deals.

Extra Ways To Earn

While you can save extra by combining coupons and cash back offers, there is another way to earn a bit extra cash without needing to spend anything.

TopCashback has a great referral program. For every friend you refer who makes a purchase, they’ll give you $10 (this only applies to their first purchase). That’s right, get paid by just encouraging your friends and family to shop!

The best part is, you won’t have to wait as long to receive your money and can cash out as soon as you get it. So go ahead and start rounding up those friends and family members that love to shop. They’ll appreciate you giving them the scoop on TopCashback.

How You Can Get Paid

Unlike a lot of survey and cash back sites where you accumulate points that you can later redeem for cash, TopCashback skips all of that and gives you your money as real cash and not points, kicks, or swagbucks.

Once you have your funds collected and they are then released for you to cash out, you have several options to choose from in order to get your money.

  • ACH – Direct Deposit
  • PayPal
  • American Express Rewards Card *
  • Amazon Gift Card*

*By choosing the American Express of Amazon payout option, you’ll get a additional 3% cashback bonus.

When Do You Get Paid

One of the great things about TopCashback is the fact that there is no minimum amount needed to cash out. As great as that is, there is a bit of a waiting period until your funds are released.

In most cases, the cash back you have earned from your purchases will show up in your account within two – seven business days. If after seven days you haven’t received anything, you’ll want to contact customer support.

Now, even though you can see the money in your account, it will actually be pending until the retailer’s return window has expired and they confirm your cash back earned. Sometimes that return window can be as many as 90 days, though most people claim to have their money released a lot sooner than this.

As frustrating as this wait time may be, you have to at least be understanding of it. This prevents people from taking advantage of these retailers by stopping them from buying a bunch of items, receiving cash back and then returning everything.

Also, if you cash out via PayPal or as direct deposit, there will be a few days of waiting until the money shows up in your account. Fortunately, the American Express and Amazon payout options do show up immediately for those interested in going that route.

What The Reviews Say

With over 8 million members, I would be hard pressed to believe that TopCashback isn’t as great as many have claimed it to be. Below are just a few of the five star reviews floating around.

  • “Excellent cash back offers and excellent rewards too!.”
  • “There are always ways to get cash back…”
  • “It makes the shopping experience great…”
  • “Great cash back rates and customer service….”
  • “Love everything about TopCashback…”

Pros and Cons of TopCashback

You’ll see below that there are far more pros then there are cons to using TopCashback and that’s a good thing! You know TopCashback is worth checking out when the positives far outweigh the negatives.

  • Free To Sign Up
  • Both the website and app are easy to use and understand
  • High percentage of cashback options
  • Several thousand available retailers
  • Guaranteed to find a place to shop and earn cash back
  • Get paid in cash
  • No minimum cash payout
  • Several payout options: PayPal, direct deposit, American Express, Amazon
  • Earn $10 when you refer a friend and they make a purchase
  • Excellent customer service team, who respond quickly to inquiries
  • Can take awhile for retailers to release the funds to TopCashback so that they can pay you your money…it’s not fun to wait, but you can’t blame them for being cautious.
  • A few complaints of cash back earned not showing up in someone’s account.

Is TopCashback Legit or a Scam?

TopCashback is without a doubt a legit company, offering its members real cash back options. Their sole aim is to help their members save as much money as they can while shopping online. Plus they’re giving all of their commission right back to their members.

It would be pretty hard for a company to have mislead nearly 8 million members into using their website, so clearly they are doing something right and many, many people are reaping the benefits of using TopCashback.

Is TopCashback Worth It?

TopCashback is totally worth it! If you are an online shopper, you should definitely start shopping via the TopCashback website and make some money off of your purchases. Even better, download the app and keep your cash back earning potential right at the tip of your fingers.

With so many retailers available, you are bound to find something that appeals to you. Plus, the site and app are so easy to use and at the end of your transaction you can rest easy knowing you have real cash coming your way.

Even if you don’t shop online that often, I’d still recommend TopCashback for any time you do shop because the savings really are great and a lot higher than some other cash back sites available.

Tips and Tricks to Remember

TopCashback is a pretty straightforward website, but here are just a few tips and tricks to make your experience as easy and as simple as possible.

  • Clear cookies before you make a purchase
  • Make sure to complete your purchase
  • Contact customer service if you haven’t seen your money credited to your account within seven days
  • If possible, combine coupons from retailers with their cash back offers for double savings.
  • Check out the TopCashback blog for a chance to win prizes and other amazing deals and offers, plus learn some money saving tips and ways to get the best experience out of using TopCashback
  • Pay attention to when cash back deals may be expiring so you don’t miss your chance to earn
  • If you shop with a cash back credit card, then you can potentially save even more money and increase your cash back earnings

Similar Apps

If you check out TopCashback and are interested in using other cashback apps or websites in conjunction with TopCashback, here are just a few to get your started.

  • Ebates: $10 registration bonus
  • Ibotta: $10 bonus when you claim your first receipt
  • Fetch Rewards:  $1.50 bonus with promo code HH3MN
  • Trunow: $2 bonus when you use promo code TO1F19 and scan your first receipt
  • BeFrugal: $10 registration bonus


There are several great cash back websites that you can use, but I think TopCashback stands out from the rest for two main reasons.

The first reason is that the cash back options are pretty high for different retailers, so you can really get a lot of bang for your buck. The second reason is the fact that there is no minimum payout required, so you can get your money if it’s $5 or $500.

Bottom line, if you’re going to do any shopping online, you might as well take advantage of TopCashback and shop your favorite retailers through their website. At the end of the day, you’ll really appreciate the money you made off of your purchases.

If you have tried TopCashback, let me know your thoughts below! Do you love or hate it? All feedback is appreciated. Thanks for reading and I hope you give TopCashback a try.

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