TopCashback is America’s highest-paying cash back website that’s entirely FREE to join. It also features store coupons and special offers, so you can shop guilt-free at over 7,000 online retailers, including Best Buy, Walmart and Macy’s.An average TopCashback member earns over $400 a year. That’s extra money you can put toward bills, gifts, trips, home improvements, swim lessons or everyday necessities. The sky’s the limit! Once your cash back is payable, you can cash out at any time. TopCashback offers 15+ payout methods, including PayPal and ACH Bank Transfer.So, how does cash back work? It’s simple. After you create a free account (with only an email address and password), you can search any store on TopCashback and click the “Get Cash Back” button. That action will take you to the store website, where you can shop like normal. TopCashback will track your transaction and notify you when your cash back is pending, confirmed, and then payable!TopCashback doesn’t keep any of the cash back that members earn. It gives 100% of your earnings to you. Instead, TopCashback makes money via sponsored advertisements and promotions seen on site. Retailers may even pay the company a bonus if it succeeds in driving customer traffic.Check TopCashback often for increased cash back events, extra cash back bonuses, giveaway opportunities and more. You’ll be building a rainy day fund in no time.Check out our options belowBrowser ExtensionGift Cards
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Is TopCashback USA legit?
TopCashback USA (topcashback.com) has a 4.4 out of 5 rating on OK.one, based on 202 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 85% of reviews are 4 stars or higher and 11% are 1 star; The business has replied to 87% of negative reviews; Reviews mostly discuss User experience, Refund. Last updated 2026-08-11.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the platform for offering seamless payment methods, reliable fund transfers, and consistently high cash back rates compared to other services. Consumers find the website exceptionally easy to navigate, allowing them to redeem various rewards quickly and without any unnecessary complications.
However, some customers also noted frustrations regarding delayed payouts, pending statuses, and missing cash back rewards from certain online purchases. A few reviewers expressed genuine concern that specific store transactions occasionally get declined, requiring extra patience while waiting for support resolutions. People mentioned that tracking issues can sometimes happen unexpectedly.
Auto-generated from all reviews of this business. For reference only.
Was suppose to get $130 after purchasing a trip through them. I even filed a missed cash claim. They saw that I used their site first before paying for my trip and confirmed through the merchant but still wouldn’t give me the cash. I’ve had a great experience with Rakuten. Use them!
Reply from TopCashback USA2026-06-16
Hi Jay,
Thank you for sharing your feedback. We're sorry to hear about your experience and understand why you'd be disappointed, especially after taking the time to submit a Missing Cash Back claim.
Our team works hard to investigate these situations and advocate for our members when Cash Back doesn't track as expected. While we did review your claim with the merchant, the final decision on Cash Back eligibility ultimately rests with the retailer, and unfortunately we're unable to override their determination when a claim is declined.
We also appreciate your comparison to other Cash Back providers. Every Cash Back transaction is unique, and approval decisions are made by the individual merchant rather than the Cash Back site itself. While we're glad you've had positive experiences elsewhere, we'd welcome the opportunity to review your case again and make sure nothing has been missed.
Please reach out to me at [email protected], and we'll be happy to take another look. We value your membership and would like the chance to restore your confidence in our service.
Best,
Erica
My Topcashback account was disabled after involuntary refunds
My Topcashback account cannot be logged into today, even after resetting password. I believe that the account has been disabled. My $1082.02 payable cashback from previous purchases cannot be withdrawn. I believe this incident is due to a high number of denials of cashback from Ticketsmarter. In fact, my account has been on hold for cashback withdrawal on May 13 2026 by the Quality Team of Topcashback due to the purchases at Ticketsmarter (see customer service ticket 1105542). I have explained that these ticket purchases were for my family gathering for two events: an NBA playoff game at Philadelphia 76ers and an NHL playoff game at Anaheim Ducks. On Ticketsmarter, tickets from different ticket holders must be purchased separately. It explains the high number of purchases. The hold on my account has been lifted by the Quality Team after the explanation. Please let me know if you need the receipts. However, these games did not happen because Philadelphia 76ers and Anaheim Ducks were eliminated too early. 76ers lost to New York Knicks by 4:0, but the tickets I purchased were for Game 7. Ducks were eliminated by Vegas Golden Knight in Round 2, but my tickets were for a home game at Ducks in Western Conference Final. Since the games did not happen, these tracked purchases were cancelled and refunded automatically by Ticketsmarter. Consequently, the related cashback was denied. I believe it causes my account to be disabled. Please note that the cancellation was not initiated by me and cannot be controlled by me. I purchased the tickets legitimately and hoped to enjoy the game, but the games were cancelled by NBA and NHL due to the elimination rules. Hereby I request Topcashback to reinstate my account and cashback account balance (all payable, confirmed and pending ones) since the large number and dollar amount of refund and cashback denial was automatic and out of my control.
Reply from TopCashback USA2026-06-15
Hi Chan,
Thank you for taking the time to share your experience. We're sorry to hear about the concerns regarding your account and understand how frustrating this situation must be.
Our Quality Team is responsible for reviewing and, when necessary, closing accounts based on activity patterns. However, if an account was closed in error, we're always happy to review the circumstances and make corrections where appropriate.
We encourage you to contact us directly at [email protected] so we can investigate your account and provide more specific information regarding its status.
Regarding the TicketSmarter purchases, we understand that the cancellations were outside of your control. However, Cash Back can only be awarded on completed and eligible transactions. If an event does not occur and the ticket purchase is canceled and refunded, the associated Cash Back is typically not eligible and will be declined, regardless of the reason for the cancellation.
That said, we'd be happy to review your account history and the circumstances surrounding the account closure. Please email us at [email protected], and our team will work with you to determine whether any action is needed.
We appreciate your patience and look forward to assisting you.
Best,
Erica
SCAM! I registered, I went and book something via their site. Next day my account is banned. I will make sure they do not get the commision. SCAMMERS!
EDIT: For the record I have sent email to you with no reply. But magically when i write a negative review 1-2 hours later it gets a response.
Reply from TopCashback USA2026-06-04
Hi there,
We're sorry to hear about your experience. We want to clarify that TopCashback is not a scam. We've been paying real Cash Back to millions of members for 20 years.
Our Quality Team may occasionally close accounts when activity triggers a review or appears to breach our terms and conditions. However, these decisions are made to protect both our members and our partners, and if an account has been closed in error, we're always happy to investigate and reverse the decision where appropriate.
If you believe your account was closed mistakenly, please contact us at [email protected] with your account details so we can review the situation further.
We understand your frustration and would welcome the opportunity to look into this for you.
Best,
Erica
I cannot view the Walmart gift card I earned. Keeps reverting back to my security question when I try to see card.
Reply from TopCashback USA2026-06-04
Hi Karen,
We're sorry to hear you're having trouble accessing your Walmart gift card. It sounds like the system may be getting stuck on the security verification step when you try to view the card details.
Please reach out to me at [email protected] so we can take a closer look at your account and help resolve this for you as quickly as possible. Be sure to include your TopCashback username and any screenshots of the issue if available.
We appreciate your patience and look forward to helping you get this sorted out!
Best,
Erica
Works most of the time, but after it all registers and verified, cashing out is easy with PayPal
Most of the time, I get my cash back. Not sure if they are not always getting my store choice when I click on it and when I make my purchase. It is extremely easy to cash-out to my PayPal account.
Reply from TopCashback USA2026-06-01
Hi GiGi,
We're so glad to hear you generally receive your Cash Back and find cashing out to PayPal easy! We appreciate your feedback regarding store choices. We are always working to improve our services. Please feel free to reach out to us if you need assistance!
Best,
Erica :)
I earn more cash back from TopCashback than ANY other cash back site (I spend a lot of time comparing). They also have the LARGEST and BEST selection of retailers (including some low cost) to be able to get the most value from the cash back from TopCashback!
Reply from TopCashback USA2026-06-01
Hi Alexander,
We're so happy to hear you find our Cash Back offers and retailer selection to be the best! Thank you for sharing your positive experience.
Best,
Erica
I’ve been using the cashback app for a year and never got any issues. Reliable and competitive cash back rate.
Reply from TopCashback USA2026-06-01
Hi Bowen,
We're so glad you've had a consistently positive experience with our Cash Back app over the past year! Thank you for your kind words.
Best,
Erica :)
It was so simple, easy and convenient to choose the ACH cash withdrawal transfer to my checking account. I couldn't be happier.
Reply from TopCashback USA2026-05-29
Hi Michele,
We are so pleased to hear you found the ACH transfer process simple, easy and convenient. Thank you for sharing your positive experience!
Best,
Erica :)
I regularly use Topcashback and cannot recommend them enough. They have the best rates on merchants and offer excellent customer service. I highly recommend!
Reply from TopCashback USA2026-05-28
Hi RK,
We're so happy to hear you regularly use our service and appreciate the excellent rates and customer service we offer. Thank you for your wonderful recommendation!
Best,
Erica :)
Hi there,
Thanks for the review! We're happy to hear you find TopCashback reliable and consistent. If there's anything we can do to bump your experience to 5 stars, please let us know!
Best,
Erica
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