1️⃣Rakuten
Rakuten makes earning cash back effortless at thousands of big-name stores. Turn on the browser extension, shop as usual, and watch real dollars stack up. Payouts are straightforward and frequent.
Address: San Mateo, California, USA
- Huge retailer list
- Strong cash back rates during events
- Big referral bonuses
- Auto-applied coupons via extension
- Payouts to PayPal or check
- Some categories are excluded
- Rates can change without notice
- Minimum payout threshold applies
2️⃣TopCashback
TopCashback is loved by power shoppers for consistently high rates. It takes patience, but the earnings add up fast. Great for stacking with card rewards and promo codes.
Address: Stafford, United Kingdom
- Often the highest rates on the market
- No minimum payout
- Stacks with card rewards and promo codes
- Frequent bonus events and challenges
- Cashback tracking can take weeks
- Interface can feel cluttered
- Customer support response times vary
3️⃣Capital One Shopping
Capital One Shopping hunts for lower prices and rewards you with credits at participating stores. It is best for deal finders who buy frequently online. Expect savings, but not every shop or item will qualify.
Address: McLean, Virginia, USA
- Automatic price comparison
- Credits on eligible merchants
- Card-linked and in-store offers
- Occasional big new-user bonuses
- Rewards coverage is uneven
- Many payouts are gift cards not cash
- Requires sharing shopping data
- Fewer partners outside the USA
4️⃣Ibotta
Ibotta turns everyday grocery runs into rewards. Link your loyalty cards, add offers, and get cash back on specific items online and in-store. Perfect for brand loyalists who plan trips.
Address: Denver, Colorado, USA
- Works at major supermarkets and retailers
- Stacks with paper coupons
- Extra bonuses for streaks and teams
- Real cash outs to PayPal
- Receipt scans can fail and need resubmission
- Lots of brand-specific hoops
- Smaller returns without careful planning
- App can feel slow on older phones
5️⃣Swagbucks
Swagbucks pays for shopping plus surveys, videos, and tasks. It is flexible and beginner-friendly, but shopping rates and point values vary. Treat it as a side earner, not a salary.
Address: El Segundo, California, USA
- Many ways to earn
- Frequent sign-up and seasonal bonuses
- Large gift card catalog
- Low cash-out minimums
- Lower SB-to-cash value than pure cashback apps
- Time-consuming to reach bigger rewards
- Lots of low-paying offers to sift through
- Survey disqualifications are common