Top 10 Cashback Websites: Earn and Save While You Shop!

Who doesn’t love getting a little something back when they spend money? Cashback websites have revolutionised the way we shop online, offering a fantastic opportunity to earn and save cash on purchases you’d already be making.

Whether you’re buying groceries, booking a holiday, or splurging on new tech, these platforms give you a percentage of your spend back directly into your pocket. It’s a simple yet effective way to make your money work harder for you.

Let’s dive into the top ten cashback sites that can help you boost your savings and earnings!

1. Rakuten (formerly Ebates)

Description: Rakuten is one of the most popular and well-known cashback sites globally. It partners with thousands of retailers, offering cashback on a wide range of products and services. You can earn through their website, browser extension, or mobile app.

Countries of Sign-up: Primarily operates in the US, Canada, Japan, and parts of Europe.

Length of Time Operating: Since 1998 (as Ebates).

Payment Method: PayPal, physical check, or American Express Membership Rewards points.

Ease of Use: Very high. The browser extension makes earning cashback almost automatic.

Pros: Large selection of stores, generous cashback rates, regular double cashback events, referral program.

Cons: Payment can take a while to process (quarterly payments).

What Reddit Says:

• Massive Payouts: Many long-term users boast about the reliability of the platform, with some users posting screenshots of earning over $3,000 in cashback over five years.

• Exceptional Support: The community frequently praises Rakuten’s customer service for being incredibly fast at manually crediting accounts when a shopping trip fails to track properly.

What Trustpilot Says:

• Effortless Extension: Reviewers love how clean and straightforward the browser extension is, notifying them of deals without being overly intrusive.

• Honest Payouts: Users highly rate the platform for consistently honoring its deals and promotional percentages without hidden catches or loopholes.

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2. TopCashback

Description: A fierce competitor to Rakuten, TopCashback prides itself on offering 100% of the commission it earns back to its members. They have a vast network of retailers and a variety of ways to withdraw your earnings.

Countries of Sign-up: Primarily UK, US, and China.

Length of Time Operating: Since 2005.

Payment Method: PayPal, bank transfer, or various gift cards (often with a bonus).

Ease of Use: High. Clear interface and easy to track earnings.

Pros: Often boasts industry-leading cashback rates, flexible payout options with bonuses, strong customer service.

Cons: Can sometimes be slow to track smaller purchases.

What Reddit Says:

• Unmatched Rates: Savvy shoppers agree that TopCashback frequently beats its competitors when it comes to the highest raw cashback percentage on a given day.

• Patience Required: A common community gripe is that the payout timeline is noticeably slower than competitors, meaning you have to be willing to wait for your money.

What Trustpilot Says:

• Big Ticket Reliability: Highly rated by users who rely on the platform for tracking massive purchases, such as travel bookings, hotels, and electronics.

• Sluggish Support: Several negative reviews complain about customer service dragging their feet on manual claims when a purchase fails to track automatically.

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3. Swagbucks

Description: Swagbucks is more than just a cashback site; it’s a rewards program that allows you to earn “SB” points for various online activities, including shopping, watching videos, taking surveys, and playing games. These SB points can then be redeemed for cash or gift cards.

Countries of Sign-up: Primarily US, Canada, UK, Ireland, Australia, Germany, France, Spain, and India.

Length of Time Operating: Since 2008.

Payment Method: PayPal or gift cards (Amazon, Walmart, etc.).

Ease of Use: Moderate. There are many ways to earn, which can take some getting used to.

Pros: Multiple earning opportunities beyond just shopping, low minimum payout threshold, frequent promotions.

Cons: Cashback rates for shopping can sometimes be lower than dedicated cashback sites; some tasks offer very low rewards.

What Reddit Says:

• Offer Walls are King: Users highly recommend the “Offer Walls” and mobile game downloads, noting these are the easiest and most lucrative ways to earn large sums quickly.

• Survey Fatigue: The community frequently warns newcomers to avoid the surveys, citing immense frustration over being disqualified 20 minutes into a questionnaire.

What Trustpilot Says:

• Earning Variety: Reviewers appreciate the sheer variety of ways to earn points; from uploading grocery receipts to making Swagbucks their default search engine.

• Robotic Responses: Negative reviews often highlight frustrating, robotic customer service responses when trying to resolve issues with uncredited points.

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4. Honey

Description: While primarily known as a coupon code finder, Honey also offers a cashback program called “Honey Gold.” When you shop at participating stores, Honey automatically applies coupon codes at checkout and then gives you Honey Gold points, which can be redeemed for gift cards.

Countries of Sign-up: Primarily US, Canada, UK, and Australia.

Length of Time Operating: Since 2012.

Payment Method: Gift cards.

Ease of Use: Very high. It’s a browser extension that works in the background.

Pros: Automatically finds coupon codes, passive earning of Honey Gold, simple to use.

Cons: Cashback (Honey Gold) rates can vary greatly, only redeemable for gift cards, not direct cash.

What Reddit Says:

• Code Overrides: Frustrated users note that the extension frequently overrides better, manually entered codes with lesser ones that were specifically negotiated by the retailer.

• Privacy Concerns: Many tech-savvy users express unease regarding data privacy, viewing the tool as a “data harvester” since its acquisition by PayPal.

What Trustpilot Says:

• Wasted Time: A very common complaint is that the tool spins and tests codes for several minutes at checkout, only to result in zero actual savings.

• Affiliate Hijacking: Several reviewers and content creators accuse the platform of stealing affiliate links from independent creators right before a purchase is finalized.

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5. BeFrugal

Description: BeFrugal offers cashback from thousands of stores, along with a vast database of coupons. They often offer a signup bonus and have a low minimum payout.

Countries of Sign-up: Primarily US and Canada.

Length of Time Operating: Since 2009.

Payment Method: PayPal, direct deposit, cheque, or gift cards.

Ease of Use: High. User-friendly interface.

Pros: Good cashback rates, often stackable with coupons, fast payment processing, low minimum payout ($0.01).

Cons: Fewer international stores compared to some larger competitors.

What Reddit Says:

• The Ultimate Backup: Often recommended by extreme couponers as a top-tier backup to check whenever Rakuten or TopCashback are having a “low rate” day.

• Generous Bonuses: Users frequently praise the platform’s lucrative sign-up bonuses and reliable referral programs for bringing in family and friends.

What Trustpilot Says:

• Speedy Processing: Surprisingly praised for fast payment processing and withdrawal times compared to other mid-tier cashback sites.

• Occasional Glitches: Some reviewers mention occasional tracking issues, though they usually follow up by noting that support resolved the missing cash quickly.

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6. RetailMeNot

Description: While best known for coupon codes, RetailMeNot also offers a “Cash Back Offers” section, allowing users to earn money back on purchases from select retailers.

Countries of Sign-up: Primarily US, Canada, UK, and Germany.

Length of Time Operating: Since 2006.

Payment Method: PayPal.

Ease of Use: High. Easy to navigate and find offers.

Pros: Combines coupons and cashback, wide reach of retailers, trusted brand for deals.

Cons: Cashback offers are not as extensive as dedicated cashback sites, and rates can sometimes be lower.

What Reddit Says:

• The Manual Go-To: Users still consider the main website the absolute best manual database for finding quick promotional codes for pizza or clothing.

• Intrusive Tech: The browser extension receives mixed feedback, with some Redditors finding its pop-ups far too intrusive and aggressive on checkout pages.

What Trustpilot Says:

• Quick Wins: Positive reviews frequently mention the thrill of scoring quick $5 to $10 savings right at the finish line of checking out.

• Code Clutter: A persistent complaint is the high volume of expired, localised, or user-submitted codes that clog up the results and waste time.

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7. Dosh

Description: Dosh is a mobile-only cashback app that links to your credit and debit cards. When you use your linked card at participating stores or restaurants, you automatically earn cashback – no need to activate offers or scan receipts.

Countries of Sign-up: Primarily US. Length of Time Operating: Since 2016.

Payment Method: PayPal, Venmo, or direct deposit to a bank account.

Ease of Use: Extremely high. “Set it and forget it” earning.

Pros: Automatic cashback, good for local businesses and restaurants, referral bonuses.

Cons: Limited to participating merchants, primarily US-based, and requires linking bank cards, which some users may be hesitant about.

What Reddit Says:

• Mass Exodus: The subreddit is currently full of users jumping ship after the platform recently shifted its model away from traditional, straightforward cashback rewards.

• Hidden Limits: Many express intense frustration over new, poorly communicated monthly spending limits and aggressive expiration policies on their wallets.

What Trustpilot Says:

• Painful Payouts: Recent reviewers issue stern warnings about extremely long payout waiting periods to get their money out of the app.

• Unresolved Tickets: Customer support is heavily criticised, with users claiming their help tickets for missing cashback are frequently closed without resolution.

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8. MyPoints

Description: Similar to Swagbucks, MyPoints is a loyalty program that rewards users for shopping, taking surveys, watching videos, and more. Points can be redeemed for gift cards or PayPal cash.

Countries of Sign-up: Primarily US and Canada.

Length of Time Operating: Since 1996. P

ayment Method: Gift cards (Amazon, Visa, etc.) or PayPal.

Ease of Use: Moderate. Similar to Swagbucks with multiple earning avenues.

Pros: Longevity and trustworthiness, a variety of earning methods, often has a good signup bonus.

Cons: Point redemption value can vary; direct cashback rates might not always be the highest.

What Reddit Says:

• Better Game Payouts: Savvy users who compare sites point out that mobile gaming offers often pay out mathematically higher here than on Swagbucks.

• Confusing Conversions: Many find the point conversion system (where roughly 160 points equal $1) intentionally confusing and difficult to track mentally.

What Trustpilot Says:

• Dining Rewards: Long-term users praise the reliable physical and digital gift card redemptions, noting it is a great way to earn free restaurant outings.

• Slower Deliveries: Recent reviews complain that e-gift cards now take several days to arrive in email inboxes, a noticeable downgrade from their old instant delivery.

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9. Quidco

Description: A major player in the UK cashback market, Quidco offers cashback from thousands of online and in-store retailers. They have both a free and a premium membership option.

Countries of Sign-up: Primarily UK.

Length of Time Operating: Since 2005.

Payment Method: PayPal, bank transfer, Amazon voucher, or various gift cards (often with bonuses).

Ease of Use: High. Clear website and app.

Pros: Extensive list of UK retailers, often competitive cashback rates, flexible payout options, premium account offers enhanced features.

Cons: Primarily UK-focused.

What Reddit Says:

• The UK Staple: UK-based Redditors heavily praise its “Highest Cashback Guarantee,” making it a mandatory stop before doing any online shopping.

• Utility Hacks: Many users report excellent, high-yield success using Quidco when switching utility, internet, or car insurance providers.

What Trustpilot Says:

• Transparent Interface: Highly rated for its incredibly user-friendly dashboard and transparent timelines that tell you exactly when cash will clear.

• Merchant Delays: Some reviews point out that certain partnered merchants are notoriously slow to authorize the final payments through the Quidco portal.

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10. MaxRebates

Description: MaxRebates offers cashback from a growing number of retailers, aiming to provide competitive rates and a straightforward user experience. They also feature coupon codes to maximize savings.

Countries of Sign-up: Primarily US.

Length of Time Operating: Since 2017.

Payment Method: PayPal, check, or gift cards.

Ease of Use: High. Clean interface.

Pros: Decent cashback rates, often stackable with coupons, low minimum payout.

Cons: Newer platform with a smaller selection of stores compared to older competitors, primarily US-focused.

What Reddit Says:

• Extreme Deal Hunting: Quickly gaining popularity among extreme deal-hunters for its “100% free after cashback” promotional items.

• Fine Print Warnings: Users constantly advise each other to read the fine print carefully, as high-yield offers have strict quantity caps or new-user restrictions.

What Trustpilot Says:

• Smooth Withdrawals: Reviewers express high satisfaction with the fast, no-hassle withdrawal process once funds finally clear into their accounts.

• Tedious Claims: Several users mention that filing a manual claim for an untracked purchase is a tedious, multi-step process that requires too much proof.

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Finally, remember:

The key to maximising your cashback is to always check your preferred cashback site before making a purchase. With a little effort, these platforms can significantly boost your savings throughout the year. Happy shopping, and even happier saving!

Written by ericyates

XPTI helps everyday people make extra money, save more of what they earn, and use AI tools without the hype.