TopCashback Review 2024: Earn Cash Back When You Shop

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If you are looking for a simple way to save money when you shop online, then getting cash back for your online shopping is a simple way to save money on products you are going to buy anyway.

TopCashback is one of many money-saving sites and apps that offer cash back on online purchases. Other popular ones include Ibotta, Rakuten, Fetch Rewards, Drop, and Swagbucks.

This TopCashback review covers how the app works, how you earn and redeem cash back, and whether the site is legitimate.

image showing topcashback homepage
TopCashback Homepage

What is TopCashback?

TopCashback is one of the best cash back sites and apps that will pay you cash back rewards when you shop online at your favorite stores via their site or app.

It has partnerships with thousands of top online retailers, over 4,400 as of this writing, and this means users of the platform have a lot of retailer options when it comes to earning cash back online.

TopCashback is not solely for physical product purchases. You can also earn cash back when you shop for insurance, credit cards, and other services online.

The platform is available through a web interface and also on smartphones, including iPhones and Android devices.

How to Sign Up TopCashback?

You can register for a free account on TopCashback via their site or app. It is easy to start, and the account opening process takes only a few minutes.

To create an account, you will need to provide your email address and choose a password for your new account. Confirm your email address by clicking on the link in the email sent to your inbox.

From your account dashboard, you are able to access various cash back offers, search for your favorite retailers, and more.

How Does TopCashback Work?

TopCashback makes money from advertisements and sponsored listings on its site and app. They also get bonuses from time to time from merchants and their networks for driving a large volume of traffic to them.

However, when you, as a TopCashback member, shop online at any of the retailers listed on their website or app, TopCashback gets a commission for purchases you make and passes 100% of that commission back to you.

Your cash back is the commission that TopCashback makes and passes back to you.

Here is the simple process when it comes to how the platform works:

  • Browse through the site or app to find your favorite sites or browse by categories
  • Visit the store you want to shop at
  • Shop as usual
  • Earn cash back

You can install the free TopCashback browser extension so you can start getting coupon codes, deals, cash back in one click.

You can also download its app via Google Play or Apple App Store.

How to Redeem Cash Back Earnings from TopCashback?

You can withdraw your cash in multiple ways, depending on the payout method that works best for you.

If you want to redeem cash back as cash, you can request a payout via your bank account or PayPal account.

If you prefer gift cards, you can choose from various popular retailers and brands, including Amazon, Walmart, Target, Virtual Visa Prepaid Card, American Express Rewards Card, Sephora, Disney, and many others.

You can earn 5% extra bonuses if you choose gift cards as your payout method.

You can also refer friends to join TopCashback via your unique affiliate link and earn up to $15 per referral.

TopCashback allows you to add your payout details earlier to your account, even before your cash back becomes available to withdraw.

Pros of TopCashback

  • TopCashback gives you 100% cash back of their commission when you make purchases via their site or app.
  • There is no minimum payout for your earnings, so you can withdraw your cash back anytime, even if you have 1 cent in your account.
  • TopCashback has an affiliate program that allows you to earn a commission every time someone signs up for an account via your unique affiliate link provided to you by TopCashback.
  • TopCashback has partnerships with thousands of retailers, so you are probably always going to get cash back when you shop via this cash back portal.

Cons of TopCashback

  • The signup bonus is on and off.
  • It can take a while for the cash back to come through, depending on the return policy of the partner store.
  • Some discount vouchers cannot be combined with cash back.

Is TopCashback Legit?

Based on our review, TopCashback is 100% legit. It currently has over 15 million users in different countries, and the company has a 4.5 rating out of 5 from 130,180 reviews on Trustpilot as of November 15th, 2022.

TopCashback Rating on Trustpilot

This cash back platform does not take any sign-up or membership fees upfront or at any time from their members.

There is no limit to how much you can withdraw, so you can cash out your earnings at any time, even if you have 1 cent in your account.

So, if you are using other cash back sites or apps, TopCashback is worth checking out, especially if you shop online.


Getting cash back for online shopping is a great way to make free money on the money you are spending anyway.

If you shop online often and are trying to save some money on shopping, you could join TopCashback for free today to get cash back on the things you are going to buy anyway.

In addition to TopCashback, you can also try the Drop App and Rakuten to maximize your cash back earnings.


Do TopCashback users get 100% of commissions paid to the company as cashback?

TopCashback doesn’t take any commission from shoppers’ purchases and cashback. Instead, TopCashback gets its commissions from its partner retailers and passes on this commission back to the users as cashback ‘payable’ to withdraw and spend.

If TopCashback doesn’t take commissions on user purchases, how do they make money?

As per TopCashback’s statement, they are “supported by sponsored advertisements and promotions,” and there are times when partner brands and retailers give them bonuses for driving massive traffic and sales to these partner stores.

Is TopCashback free to use?

Yes, it’s free to use, and there is no membership fee to sign up.

How long should I wait to get my cash back?

It depends on the store where you had your purchases. TopCashback can only receive their commissions for your purchases from partner retailers once the period of their return policy is over. These commissions will then be passed on to you as cashback ‘payable’ and ready to withdraw or spend.

Can I use a store discount voucher and get cash back at the same time?

Not at all times. TopCashback lists and authorizes vouchers that can be used simultaneously with cash back. If you are using a discount voucher from a partner retailer, you might not be able to earn cash back.

Is TopCasback available worldwide?

TopCashback is not available in all countries. So far, its services are available in the following countries: the United Kingdom, the United States, Canada, Germany, France, Japan, India, and China.


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DollarFinancials Team

The DollarFinancials Team is a group of personal finance enthusiasts who have reviewed and tested hundreds of financial products and services, so you don’t have to. With over 15 years of combined experience and expertise in online side hustles, cash back apps, banking, and investing, our goal is to provide you with useful resources to help you achieve financial freedom.

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