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Is TopCashback for you?
Cashback websites allow you to get cash back on the online purchases you would make anyway.
Just by clicking through a portal before you go to your merchant (i.e. Walmart, Amazon, Target, etc), you get free money.
There are lots of cash back sites out there though.
We have a page that lists the top portals here.
You can also check out our Start Here page to learn how to get started with these sites as well as the best strategies.
I said I would review the top cashback sites over time.
Here is the TopCashback review.
I reviewed Rakuten late last year.
My strategy for cashback portals is to sign up for the top ten (gets $100 in sign up bonuses too), and to primarily use 3-4 portals to build up my cash.
Recently, though Rebates Me was not one of my main portals; I made $95.
They offered $30 more on hosting for my new blog than the others I usually use.
Different portals have different rates for different merchants at different times.
You should always check cashbackmoitor.com to see which site has the highest rate before you make a purchase.
Again, I like my cash to build up, so I use the same 3-4 portals unless there is a higher rate like the Rebates Me one.
Here is our TopCashback review again.
What is TopCashback?
TopCashback is a cashback site that partners with over 4000 retailers.
It was started in the United Kingdom.
It is pretty big here in the United States now though.
A lot of times when I am looking to make an online purchase, they have the highest rates.
They claim to give you 100% commission.
Like all cashback sites, they will not always have the highest rate at every retailer, so check cashbackmonitor.com.
RELATED: Why You Should Use A Cashback Site For Online Shopping
How does TopCashback work?
Step 1: Sign up
It will just take a couple minutes to enter your e-mail and create a password.
Use our link here to sign up.
Step 2: Browse their merchants
Sometimes they have merchants that have a higher than usual rate for a short time period.
You will see these offers on the home page.
If you already know the merchant you want, you can skip this step.
You may want to look for coupon codes though.
Step 3: Shop as normal
Click to your merchant (i.e. Walmart, Amazon, Target, etc) from TopCashback.com.
As with any portal, you must click your store from TopCashback.com
Make your purchase in this transaction.
It will not count if you do not complete your purchase.
After you have clicked through from TopCashback.com, you cannot go back.
You will not receive cash if you do not complete your purchase here again.
Step 4: Earn your cash back
Within 7 days, your purchase will show pending.
Like all portals, you will have to wait 30 or more days for it to be moved to payable.
This is done by the merchant and not TopCashback.com.
Merchants do this so people cannot return purchases and still get cash.
Sign up for Topcashback.com here
How does TopCashback give you free money? Is there a catch?
All cashback sites get paid commission from retailers for referring you.
Most portals share this commission with you.
Again, TopCashback claims to have a unique model where they give you 100% commission.
They make money from advertising on the site.
Is there a sign up bonus?
When I checked, they actually said they offer no sign up bonus.
I signed up a long time ago and did not remember.
As I said on the Start Here page, when I signed up for cash back sites years ago, I did not pay attention to sign up bonuses.
That was a big loss.
Make sure you get a sign up bonuses on the other portals.
I notice some big finance blogs can get special sign up bonuses for TopCashback.com for short periods of time.
Otherwise, you can sign up with no bonus and get $10 for referring your friends.
On the website, they say they don’t give sign up bonuses because that is part of how they pay you 100% commission.
How much can you make with TopCashback?
Like all cashback sites, how much you make depends on how much you shop or spend.
People who shop more or spend more money get more cash.
Remember the point of everything we review is to only buy things you would buy anyway though.
You are not winning if you overspend.
Sign up for Topcashback.com here
How long does it take to pay?
Unlike other cashback sites, you do not have a minimum to cash out at TopCashback.
Even if you only have one dollar in your account, you can withdraw your cash.
Like other portals, you won’t get your money immediately though.
After the initial seven days when your purchase is pending, , they have to get paid commission from the retailer before they pay you.
This is usually 4-6 weeks, but sometimes longer.
This is the same with all cashback sites again.
It usually takes two weeks after this to receive your payment.
Personally, TopCashback pays quicker than all the other cashback sites that I use, except Swagbuck’s.
I usually receive my cash in a month.
Swagbuck’s pays about as quickly though.
Since most cashback sites take longer with the period I mentioned above, this makes TopCashback one of my favorite sites.
How do you get paid?
Choose among five methods:
- ACH
- PayPal
- Visa Virtual Card
- American Express Reward Card
- Amazon or other gift card
You get a discount when you redeem with an Amazon gift card or American Express Rewards Card.
Sign up for Topcashback.com here
$10 For Referring Friends and Family
Another top way to make money with TopCashback.com is by referring your friends.
For each person you refer, you get $10.
If you have not signed up yet, use our link here to sign up.
Then use your link to refer all your friends.
The person you refer has to accumulate $10 in payable cash though.
If you have friends and family who shop online, this could be a pretty good moneymaker.
Tips
- Always make sure TopCashback.com has the highest rate by using cashbackmonitor.com
- Clear cookies before you shop
- Complete your purchase
- Refer your friends
- Use the extension
- Use the app
- Use a rewards card
Pros
- Large number of merchants
- Claim to give you 100% back, so may have a higher rate a lot of times
- Get $10 for referring friends
- No minimum to cash out
Cons
- Stores have excluded products
- No in-store cashback
- No sign up bonus
Sign up for Topcashback.com here
Summary
Cashback sites are a no brainer.
Again, just for going through a portal, you get free money for shopping you would do anyway.
TopCashback is one of the most popular sites.
No one cashback site has the highest rate at every merchant (i.e, Macys, Amazon, Walmart, etc), but I find that Topcashback.com has the highest rate a lot.
So if you are not using TopCashback.com yet, maybe you should sign up.
Again, having 3-4 portals can help you build cash while always getting the highest rate.
TopCashback.com has the highest rate for a lot of things I buy.
They also have no minimum to cash out.
So, I think you will like TopCashback.com.
Use our link here to sign up again.