If you are not incomes factors or additional money again in your on-line purchases, you are doubtless leaving severe rewards on the desk.
Thankfully, it is so simple as a few additional clicks before you purchase your subsequent lawnmower at homedepot.com, denims from hole.com or ornamental dish towels and must-have house items from goal.com. And with inflation remaining a severe concern for a lot of Americans, each little bit helps.
There are plenty of on-line buying portals on the market — together with ones from main airways, some resort loyalty applications and a number of other impartial cash-back rewards applications you possibly can be a part of.
These websites award factors, miles or money again on virtually all the things you purchase on-line. At probably the most primary stage, you begin at one in every of these portals after which click on by means of to the retailer’s web site to earn additional rewards (quite than beginning immediately on the service provider).
Here at TPG, we frequently speak about Rakuten, previously often known as Ebates. This is for good purpose, because it’s basically a hybrid program, permitting you to earn both money again or American Express Membership Rewards factors in your on-line purchases. But nobody program at all times has the most effective return. After all, completely different portals typically have various incomes charges for a similar retailers.
In this information, we’ll take a deep dive into a special cash-back portal — TopCashback. While it does not award factors and as a substitute enables you to redeem rewards for money or reward playing cards, it has one priceless function that no different cash-back portal has: a “Highest Cash Back Guarantee.”
What is TopCashback?
TopCashback is an internet buying portal that companions with practically 3,000 on-line retailers, together with massive names like Adidas, Apple, eBay, Macy’s and Sephora, in addition to some journey manufacturers like Marriott, Vrbo and Hilton. You can use the portal to earn money again on sure reward card purchases and in addition place curbside pickup orders.
TopCashback calls itself “the USA’s most generous cash back website.” That’s as a result of it passes 100% of the day-to-day fee it will get from retailers again to members. The web site explains that it makes cash by means of commercials and sponsored hyperlinks that are labeled as “zero cashback.” Merchants additionally pay the positioning bonuses on occasion.
How to join TopCashback
Signing up for TopCashback is simple. Just head to its web site, enter your e-mail and select a password.
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Once you have joined, you can begin incomes in your on-line purchases instantly — and you can even earn money again for each pal you refer.
How to make use of TopCashback
TopCashback works identical to every other on-line buying portal. Once you could have an account, head to the positioning earlier than making any on-line purchases.
There’s a search field on the prime of the web site which you need to use to seek for the service provider you wish to store with.
Then, click on by means of to the retailer’s web site to finish the acquisition.
When you click on the “Get Cash Back” button subsequent to a retailer, a brand new window or tab will open, indicating that you just’re being redirected to the product owner’s web site. You should full your buy in that window in order that TopCashback can monitor how a lot you spent and reward you.
Alternatively, if you wish to make your life a bit simpler, you may obtain TopCashback’s browser extension.
It’s out there for Chrome and Firefox and can robotically notify you when buying with a collaborating retailer. So, all you may have to do is click on “Activate Now” to earn money again, versus going by means of the principle portal. It can even present you any coupons out there for that web site.
Transactions ought to present up in your earnings web page inside seven days. First, they will seem as “pending,” which means that your transaction has been recorded, however the retailer hasn’t but confirmed that each one standards have been met for money again. Then, inside a month, your transaction will swap to “confirmed” standing. The remaining step is to attend in your transaction to grow to be “payable.” This often happens inside a number of weeks, as soon as the affiliate community invoiced the retailer, although it could possibly take as much as 90 days.
You can declare your money again at any time as soon as it reaches payable standing. TopCashback means that you can money out by means of PayPal, automated clearing home switch and quite a lot of reward card choices with retailers resembling Amazon, Disney and Sephora — although some retailers have minimal quantities for reward card rewards.
Unlike some cash-back portals, there are not any minimums to request a payout. You can often rise up to a 5% bonus while you request your payout as credit score with sure retailers or as a Visa or American Express pay as you go card.
Cash-back assure
What makes TopCashback stand out from the opposite on-line buying portals is that it gives a “Highest Cash Back Guarantee.” Plain and easy, in the event you discover a higher cash-back deal on one other web site, you possibly can file a declare and TopCashback will match the provide as soon as it has been reviewed and accepted. This is the one on-line buying portal we’re conscious of to supply a assure like this.
The increased price should have been provided on the identical day that your transaction befell. Also, TopCashback will solely match cash-back charges from the next opponents:
- BeFrugal
- GoCashBack
- Honey
- MaxRebates
- Mr. Rebates
- Rakuten
- Tada (previously StoreAtDwelling)
In different phrases, you possibly can’t match non-monetary rewards, resembling airline miles.
To file a declare, you will need to fill out a type through the customer support web page. It have to be submitted inside seven days of the particular transaction date, with the transaction seen in your account. Although there isn’t any possibility to connect recordsdata to the preliminary declare type, TopCashback suggests retaining a timestamped screenshot of the upper provide.
Your greatest guess for maximizing this function is to make use of a buying portal aggregator like CashBack Monitor. It means that you can seek for retailers and see the incomes charges you’d get throughout all relevant buying portals. So, even when TopCashback is not providing the very best price, you can see who’s providing a greater price so you possibly can match it.
Related: Use a buying portal aggregator to maximise on-line purchases
In truth, it is best follow to make use of an aggregator like CashBack Monitor earlier than you make a purchase order so you can begin with the portal that will probably be most rewarding in your buy.
Important reminders
As you possibly can see, utilizing TopCashback is comparatively easy, however there are a number of essential issues to bear in mind:
- For TopCashback to trace your buying journeys, you will need to have cookies enabled in your browser.
- Only use promotions or promo codes discovered on the portal; in the event you use others, they could void your rewards.
- Be positive to learn the restrictions for every service provider. Many will not depend reward playing cards as eligible purchases for incomes bonuses, and others will exclude sure merchandise.
- Remember to pay with a bank card that may provide the most effective incomes price in your buy. Most on-line retailers do not fall into the normal bonus classes, so you may in all probability wish to follow a card that is good for on a regular basis purchases.
Also, keep in mind that the Highest Cash Back Guarantee is simply helpful in the event you’re solely attempting to earn money again. If you are versatile, you possibly can typically get a higher return by going by means of a portal that earns factors or miles — even when the incomes price is decrease.
For occasion, with Rakuten, you possibly can choose to earn American Express Membership Rewards factors. TPG values Amex factors at 2 cents apiece, successfully doubling your return over the identical amount of money again. If you had to decide on between incomes 3% money again through TopCashback or 2 Amex factors per greenback spent through Rakuten, you may get a better return with Rakuten in the event you worth Amex factors equally to TPG.
Bottom line
You ought to at all times undergo a buying portal when making on-line purchases.
If it is cash-back rewards you are after, then TopCashback is a good device to bookmark, due to its Highest Cash Back Guarantee.
However, you possibly can typically get higher worth by going by means of a portal that earns factors or miles, so it is essential to do the maths and see what makes probably the most sense.
Source: thepointsguy.com”