Rakuten vs TopCashback
I am convinced now and ready to start earning cashback.

Rakuten vs. TopCashback

Not all cash back sites are the same and the rates offered between them can vary greatly. Most cash back sites work by sharing some of the commission merchants pay for sending customers their way. Unlike others, TopCashback passes ALL of this commission to its members. To get the most bang for your buck, join TopCashback.com (it's free to join and use)! We pass your entire earnings back to you and offer payout without any minimums, or fuss. TopCashback guarantees our offers to be the highest. That's right, guaranteed! Sure, there are other cashback sites out there -- but why get less cash back when you can get the TOP cashback offer on every purchase you make online?

Okay, let's compare features

Rakuten was established in 1998 and TopCashback in 2011. Both have millions of members earning cash back when they shop online.
Cashback guaranteeNoYes

Additional information

Only TopCashback will guarantee to beat competitors’ cash back rates subject to a few simple terms and conditions
Payout restrictionsYesNo

Additional information

Members of TopCashback get paid anytime, with no minimums or schedules to follow, unlike Rakuten’ policy to pay out once every 90 days with a $5.01 minimum threshold.
Payout Options345

Additional information

Both sites offer PayPal, but TopCashback also offers Direct Deposit, Amazon Gift Cards, American Express® Reward Cards, and over 30 different eGiftCards including Walmart, Target, Gap, Sephora and more.
Payout bonusNone5%

Additional information

Only TopCashback adds up to a 5% bonus cash back when choosing Gift Cards.
Number of stores3,500+7,000+

Additional information

Both TopCashback and Rakuten offer online cashback at 1000s of big name merchants but TopCashback also offers 1000s of small to mid-size brands.
Refer a Friend bonus$20 to $40$10-$35

Additional information

TopCashback offers bonuses for members who refer new members to the website. These bonuses range from $10 to $35 throughout each month.
Signup bonusYesDuring Promotions

Additional information

TopCashback often offers signup bonuses ranging from cash to merchandise. Rakuten has a standard $10 bonus upon spending $25 within 90 days.
Stack savings with coupon codesYesYes

Additional information

Both sites offer coupon codes and promo codes for even greater savings combined with cashback.
Trustpilot Rating4.44.7

Additional information

TopCashback currently has an 4.7 rating on user-review website Trustpilot. Rakuten currently has an 4.4 rating.
Gift CardsNoYes

Additional information

TopCashback has a hub dedicated to over 700 retailers.
Browser ExtensionYesYes

Additional information

Both Rakuten and TopCashback offer a Browser Extension that will apply cashback and coupons when you shop online. However, TopCashback's Browser extension will apply cashback and coupons to over 7,000 stores, while Rakuten's browser extension only offers around 3,500 stores
Cashback Percentage N/AN/AN/A

Additional information

Rakuten keeps a percentage of member cashback and TopCashback gives 100% of earned cashback to members.

Topcashback Has Double Cashback Rates, Everyday

*TopCashback passes on 100% of merchant commissions to members in the form of cashback.

Top Rated - What people say


TopCashback Payout Options

ACH payout Paypal payout Visa payout Amex payout Amazon payout Nike payout Sephora payout Target payout Walmart payout Grubhub payout Adidas payout Disney payout Hotelscom payout GAP payout

and many more...

Boost Your Cash Back By Up To 5% And Over 15 Payout Options.

There are no restrictions, payout schedules or minimums to follow.

Top facts compared

Some key FAQs about Rakuten and TopCashback.
  • Who offers the best rates?

    TopCashback offers 100% of the commission back to its members and consistently features higher cash back rates than Rakuten. Our comparison tool has found that we offer higher rates for the majority of the merchants listed on both sites.

  • Is there a limit to how much I can withdraw at a time?
    With Rakuten, checks are sent out on a quarterly basis, and anything under $5.01 is held until the next payable period. TopCashback does not have any limits or restrictions and allows you to withdraw your money earned at any time. Whether you have $.01 or $100, the money is yours to take!
  • How do I request payout?

    TopCashback allows you to request a payout at any time, assuming the cash back has reached the payable status. All you need to do is select the payout method you prefer and then click the ‘payable’ button. You have several options to choose from: direct deposit into your bank account, Paypal, Amazon Gift Certificate, or American Express® Reward Card.

    Rakuten has quarterly schedule for receiving any payouts over $5.01. They will notify you once you have earned $5.01 in payable cash back to be received during the next payment cycle in the form of a check.

  • How does cash back work?

    Cash back is similar to a rebate that you receive after a purchase is made. TopCashback gets commission for purchases you make at over major retailers and passes this all back to the member in the form of cash back.

    Rakuten gets commission for purchases you make at over 2,000 major retailers and passes a percentage back to the member in the form of cash back.

  • Have you found a higher cash back rate? TopCashback will match it!
    We aim to offer the highest cash back rate to our members. If you happen to find a better rate of cash back for your purchase from another online cash back provider, TopCashback will match the rate assuming you choose to use TopCashback for the transaction. TopCashback will match the cash back rates listed on Rakuten.
  • How does TopCashback make money?

    TopCashback is supported by the advertisements and sponsored listings on our site. Merchants and their networks also pay us bonuses from time to time, for driving a large volume of traffic to them.

    Rakuten earn money through commission from stores and then shares a portion of that with their members.

Join Free Now
Join our millions of members and shop with over 7,000 top retailers, including eBay.
By joining you agree to our terms & conditions and privacy policy
Page was last updated on 18 Jun 2024 12:00 and all information on this page was correct at that time.