1️⃣Rakuten
Rakuten dishes out some of the highest cashback rates and stacks them with rotating bonuses. The app and extension auto-apply coupons so you save without thinking. Big brands, fast payouts, and frequent double-cash events make it our #1.
Address: San Mateo, California, USA
- consistently high rates at major retailers
- automatic coupon stacking
- huge store list and travel partners
- reliable
- fast payouts via PayPal or gift cards
- frequent bonus events and referral payouts
- strong mobile and desktop experience
- some categories and luxury brands are occasionally excluded
- welcome bonuses may require a minimum spend
- best stacks usually appear during peak sales periods
2️⃣TopCashback
TopCashback famously passes nearly all commission back to members, which often means the best headline rates. Their payout options are flexible with boosters on select gift cards. It's a power-user favorite for travelers and deal hunters.
Address: Stafford, United Kingdom
- market-leading cashback rates on many categories
- no minimum payout
- gift card payout bonuses
- excellent rate-matching and daily promos
- strong coverage across US and UK merchants
- site can feel cluttered for newcomers
- occasional tracking delays during big sales
- some merchants cap earnings on expensive items
3️⃣Honey
Honey focuses on instant coupon testing and Honey Gold rewards you can redeem for gift cards. It's effortless to use, but cashback rates can be lower than specialist portals. Great for hands-off savers who love plug-and-play.
Address: Los Angeles, California, USA
- automatic coupon testing at checkout
- easy-to-earn Honey Gold
- strong browser extension
- clear reward redemption
- cashback selection is smaller and rates can lag dedicated portals
- Honey Gold can take time to post
- gift card-only redemptions limit flexibility
4️⃣Capital One Shopping
Capital One Shopping hunts promo codes and tracks price drops, plus it offers credits on eligible stores. It's useful, especially for Amazon price comparisons, but earnings can be modest. Works even if you're not a Capital One customer.
Address: Richmond, Virginia, USA
- automatic coupon tests and price comparisons
- credits at hundreds of merchants
- useful price history on Amazon
- open to anyone
- rewards are sometimes lower than top cashback portals
- not all coupons stack with credits
- tracking can be sensitive to ad blockers
5️⃣Ibotta
Ibotta shines for in-store groceries and big-box retailers with receipt scanning and linked-loyalty offers. You can earn on everyday essentials, but it requires more work than a one-click browser extension. Great for households that plan weekly shops.
Address: Denver, Colorado, USA
- strong in-store and grocery offers
- linked loyalty cards for automatic credits
- solid welcome bonuses
- cash-out to bank or PayPal
- manual receipt uploads can be tedious
- offers vary widely by region and store
- some redemptions require higher minimums
- learning curve for maximizing stacks