TopCashback
Expert and User Insights by TopCashback Customers
TopCashback passes retailer commissions back to you when you click through its portal and complete a purchase. You can withdraw via PayPal, ACH, or gift cards (some with bonuses). There’s no payout minimum for PayPal/ACH, but cashback only becomes available after the retailer confirms and pays the commission.
Based on expert ratings
Honest Review with no Affiliate ties to the featured platform.
Expert Review
Folasade Oluwagbenga
Money Making Expert
Strong portal with no minimum for PayPal/ACH and many payout choices. Rates are often competitive and you can add payout bonuses when cashing out to select cards. Biggest downside is variable merchant approval times, so some cashback can take weeks or months to become “payable.”
Earning Potential
Cashback depends on what you buy, not time worked. Typical portal rates range ~1–10% depending on store and promos. TopCashback says members average ~$450/year (~$38/mo). Big-ticket purchases or service switches can spike returns, but tracking/merchant approval can take weeks–months.
Earning Breakdown
| Monthly Earning Potential | $38 |
| Hourly Earning Potential | $0 |
Tips to Earn More
Payment Details
| Payout Methods | PayPal, ACH (bank transfer), eGift cards (Amazon, Target, Walmart, Disney, etc.), Virtual Visa Prepaid, American Express Reward/Virtual cards |
| Payout Frequency | PayPal 1–2 business days; ACH up to 5 business days; eGift/Virtual Visa/AMEX 1–2 business days; physical AMEX 7–10 business days. |