1️⃣Rakuten
Huge cash back rates at big name stores with frequent double cash back events. Simple to use on desktop and mobile with a welcome bonus for new members. Payouts via PayPal or check land on time.
Address: San Mateo, California, USA
- up to 15% cash back at major retailers
- frequent double cash back events
- $10 welcome bonus
- easy browser extension
- smooth mobile app
- reliable PayPal and check payouts
- stackable with store sales
- cash back can take weeks to confirm
- some categories are excluded
- minimum payout threshold applies
2️⃣TopCashback
Often delivers the highest rates because it shares more of the commission with you. No payout minimum and generous gift card bonuses keep returns high. Coverage spans thousands of merchants across the US and UK.
Address: London, United Kingdom
- consistently high rates
- no payout minimum
- gift card payout bonuses up to extra 5%
- wide merchant coverage
- clean mobile app
- fast support responses
- strong browser extension
- pending periods can be long for some merchants
- site can feel busy
- occasional tracking drops
3️⃣Ibotta
A grocery first cashback app that works in store and online with receipt scanning and linked loyalty. Frequent bonus challenges help you level up earnings fast. Great for families who shop weekly.
Address: Denver, Colorado, USA
- excellent for groceries
- works in store and online
- stackable with coupons and loyalty
- frequent bonus challenges
- big network of supermarkets
- receipt scanning takes time
- offers expire quickly
- some rebates are low value
- 20 dollar minimum to withdraw
- risk of account inactivity lock
4️⃣PayPal Honey
Finds and applies coupons automatically, then earns Honey Gold you can swap for gift cards. Set and forget makes saving effortless while you shop. A smart add on for frequent online buyers.
Address: Los Angeles, California, USA
- auto coupon testing
- Honey Gold rewards
- simple one click apply
- smooth browser extension
- friendly interface
- not every store is supported
- rewards are gift cards not cash
- codes can misfire
- occasional tracking delays
5️⃣Swagbucks
Earn from shopping, surveys, and daily goals, then redeem for gift cards or PayPal. Plenty of ways to stack small wins, but patience is required. Best as a background earner while you shop.
Address: El Segundo, California, USA
- many earning options
- daily goal streak bonuses
- frequent gift card sales
- long running brand
- PayPal cash out
- low hourly earning potential
- frequent survey disqualifications
- cluttered interface
- points system can obscure real value
- identity verification can delay bigger withdrawals