TopCashback Review 2020: Pros, Cons, Features, and More

TopCashback helps you find the best coupons and cash back deals. Shop at over 4,400 online stores including Walmart, Amazon, and Target. Never pay full price again.

Best for:

  • Cash back while shopping online
  • Finding the best coupons
  • Automatically saving money

Our rating

4.5
out of 5
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TopCashback at a glance

How much can you make?

$200–$350 per year

Payout methods

Bank, PayPal, Gift cards

Sign up length

30 seconds or less

User rating

4.6 out of 5

Pros & Cons

Pros

    • No minimum payout amount — Unlike many other cash back websites, TopCashback does not have a minimum payout amount for direct deposits to your bank or PayPal. You can redeem your cash back even if you only have $0.01.
    • Over 4,400 stores — TopCashback has partnered with over 4,400 stores, including Walmart, Amazon, Target, and more. That’s more stores than any other cash back service.

Cons

    • No in-store cash back options — TopCashback only works for online shopping. Since most people don’t shop 100% online, this could limit your earning potential. For in-store cash back, check out Rakuten or Ibotta.
    • No signup bonus — Most cash back websites will incentivize you to sign up by offering a cash sign up bonus. TopCashback doesn’t do this.
Review by | Updated on
Editor's note - We may receive compensation from the issuers of some products mentioned in this article. However, this does not influence our honest evaluations and the integrity of our content. Our opinions are our own and are not influenced by anyone else.

Full TopCashback Review

TopCashback was founded in 2005 and was originally a service only offered in the UK.

To this day, it’s still one of the largest cash back websites in the UK, but it also has a huge market in the US.

TopCashback has over 17 million members worldwide and has been awarded the best cash back site by Consumer Moneyfacts multiple years in a row.

What makes TopCashback so unique is that, unlike any other cash back service, they give 100% of their commissions to you, the customer.

Don’t know what that means? Allow me to explain. Cash back websites make money when you use their affiliate links to shop at retailers.

For example, if you click on a link on TopCashback’s website that leads to Walmart, TopCashback will earn a percentage of your total purchase.

Most cash back websites only pass a small percentage of this along to you in the form of cash back. However, TopCashback passes 100% of this commission along to you.

This means you can earn more cash back using TopCashback than most other cash back websites.

You may be wondering how TopCashback actually makes money then, right? They earn revenue from sponsored ads that are displayed around their website. They also offer a premium membership for only $5 per year. However, this membership is not required to use TopCashback.

Ready to start earning cash back? Sign up takes less than 30 seconds, and you can start getting cash back on all your online purchases immediately.

TopCashback
Start getting cash back on all your online purchases.
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TopCashback is best for you if

  • You like saving money and getting cash back while shopping — Who doesn’t like saving money and getting cash back? Well, you’d be surprised. TopCashback makes it easy to find the best coupons and cash back offers at top retailers. Use the TopCashback browser extension to automatically scan for deals while you shop online at your favorite stores.
  • You want to save money, but don’t have the time to find coupons and deals manually — Manually sifting through coupon and deal websites can take up a lot of time. TopCashback makes this easy by curating all the best coupons and deals in one place.
  • You frequently shop online — If you do a lot of shopping, it’s important that you begin taking advantage of cash back deals to save money. You could be saving hundreds, possibly thousands of dollars each year on your purchases by simply creating a free TopCashback account and installing the TopCashback browser extension.

TopCashback ratings

5.0

Ease of use

TopCashback’s service is easy to use. Get started earning cash back in seconds.

4.0

Sign up process

Sign up process takes less than 30 seconds but does not come with any bonuses.

5.0

Rewards

You can redeem your cash back via bank deposit, PayPal, gift cards, and more.

4.0

Support

Although they don’t have live chat or phone support, their email support responds fast.

5.0

Website usability

The website is well designed and easy to use. No complaints.

5.0

Mobile app

Like their website, their mobile app is also well designed and easy to use.

Ways to earn with TopCashback

  • Online shopping — Getting cash back by shopping online is the primary way to earn using TopCashback. Shop over 4,400 stores using the TopCashback browser extension to have coupons and cash back deals automatically applied to your order during checkout. TopCashback has partnered with popular retailers and brands, including Walmart, Amazon, The Home Depot, Nike, Sephora, and more.
  • Travel — Traveling is expensive, there aren’t many ways around that. You have to book flights, hotel rooms, and car rentals, and all that stuff adds up fast. But with TopCashback, you can get cash back at major booking websites such as Booking.com, Expedia, Hampton Inn, and a lot more. You can also get cash back on cruises.
  • Gift cards — Why pay the full face value price for a gift card? By shopping TopCashback’s gift card section, you can get cash back on gift cards from popular retailers and restaurants.
  • Referral program — TopCashback’s referral program allows you to earn $10 every time you refer a friend to join. There are a few terms and conditions that have to be met, but they are easy (more on this later in the review).
TopCashback
Start getting cash back on all your online purchases.
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TopCashback alternatives

There are several alternatives to TopCashback. Many of these services can be used in addition to TopCashback, instead of replacing it completely.

For example, Rakuten doesn’t have to replace TopCashback, it can be used to find more cash back deals than what TopCashback has to offer. Here are all of the TopCashback alternatives:

TopCashback top features

There are a lot of cash back sites on the internet. Here are TopCashback’s best features that help it stand out.

TopCashback browser extension

topcashback browser extension

The TopCashback browser extension helps you never miss out on savings again.

Install the TopCashback browser extension on either Google Chrome or Firefox. You’ll get instant access to deals, coupon codes, and cash back offers in just one click.

If you don’t want to visit the TopCashback website every time you shop online, the browser extension is perfect for you.

Go directly to your favorite online stores and the browser extension will automatically find coupons and apply cash back offers to your order.

Mobile app

topcashback mobile app

TopCashback’s mobile app allows you to earn cash back on the go. Most of us are on our mobile devices a lot. Equal or more than a desktop computer or laptop.

If you are away from home or your office, but still need to do some shopping, you can download the app and not miss out on any cash back opportunities.

The app is available for both Apple iOS and Android. And, of course, it’s totally free.

Tell-a-Friend

Tell-a-Friend is TopCashback’s referral program that allows you to earn extra cash. Here’s how it works. For every friend you invite to TopCashback, you earn $10.

However, there are a few conditions. The person you invite has to earn $10 “payable cash back” or more. This means the person would have to use TopCashback consistently and earn at least $10 worth of cash back before you get your referral bonus.

When you create your TopCashback account, it automatically comes with a unique referral link. To find your link, click on Account at the top of the website, then click on Tell-a-Friend.

You’ll see your unique referral link and options to share on Facebook, Twitter, and email.

TopCashback
Start getting cash back on all your online purchases.
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How you get paid

TopCashback has the best payout system of any cash back website I’ve used.

For starters, they offer the most options for redeeming your cash back. Their options include:

  • Direct deposit to your bank
  • PayPal
  • Yandex Money (for international users)
  • Visa prepaid card
  • Gift cards

The payout minimum for both direct deposit and PayPal is only $0.01. This means there is no limit on when you can redeem your cash back.

Many cash back websites have high payout thresholds, up to $20 before you can request a payout. TopCashback does not set a limit with direct deposit and PayPal. You can redeem whenever you want, even if it’s only a penny.

If you choose to redeem your cash back in the form of a gift card, there is a payout threshold of $5. This is still considerably low compared to other cash back websites. 

Get started using TopCashback

Setting up your Panda Research account is easy and takes less than 30 seconds. Here are the exact steps to getting started.

Create your account

The first thing you’ll need to do is create your TopCashback account. Here are the exact steps to get started with TopCashback.

Step 1: When you land on the TopCashback homepage, you’ll see a signup form. Fill out your email, create a new password, and then click the red Join Now button to continue.

topcashback homepage

Step 2: You should receive a confirmation email. Click on the link in the email to confirm your account. If you did not receive the email, you might want to check your spam folder.

Step 3: Once you’ve confirmed your email, you should land on a confirmation page that says your account has been authenticated.

That’s it! Your TopCashback account has been created. You can now start earning cash back on all the purchases that you make through TopCashback.

Start earning cash back

Now that your account has been successfully registered, it’s time to start earning.

There are a couple of ways you can use TopCashback—shopping directly through the website or using the browser extension. Neither way is right or wrong, but they both have their advantages.

Let’s first look at the advantage of shopping directly through the TopCashback website.

On the website, you’ll see several primary categories on the main navigation bar.

  • Travel
  • Home & Garden
  • Electronics
  • Fashion
  • Health & Beauty
  • And more

You can find different cash back deals by filtering through these categories. Let’s say you wanted to buy a new flat screen tv.

topcashback shopping

First, you click on the Electronics category on the website. You see hundreds of cash back opportunities from hundreds of retailers.

For example, Amazon offers up to 8% cash back, and both Best Buy and Newegg offer 2% cash back. Which retailer would you use if you wanted to get more cash back for your flat screen tv purchase?

Amazon, right? Because they offer more cash back. And the only reason you knew that was because you were able to compare cash back deals from different retailers.

Otherwise, you may have just gone straight to Best Buy to make your purchase and would have missed out on a better deal.

This is the advantage of shopping through the TopCashback website. You can compare different offers and never miss out on the best deals.

So what about the browser extension? What’s the advantage of using that?

The browser extension is great because you can continue shopping online like you normally do. When you are on a website that has cash back opportunities, the browser extension will notify you.

On top of cash back, the browser extension will also automatically apply coupons to your order during checkout if it finds them. And when you are searching for a product on Google, it will tell you which website has cash back opportunities.

This means you don’t technically need to waste time visiting the TopCashback website unless you want to find deals or redeem your cash back.

That’s the advantage of using the browser extension. You save time, and time is valuable.

Is TopCashback worth it?

Yes, TopCashback is worth it.

You have absolutely nothing to lose by using TopCashback. In fact, you will only save money when using it.

And depending on how much you shop online, you could be saving hundreds of dollars every year. Why wouldn’t you want to save money on things you’re going to buy anyway?

So, what do you have to lose? Getting started is easy. You can sign up in under 30 seconds and start saving money and getting cash back immediately.

TopCashback
Start getting cash back on all your online purchases.
Sign Up For TopCashback