Not all cashback platforms are created equal — and choosing the right one can mean the difference between saving a little and saving a lot.
From browser extensions that automatically apply coupons to sites offering massive seasonal bonuses, each platform has its own strengths. In our expert reviews, we break down the cashback rates, payout options, bonus offers, and special features of the biggest names in the industry. Whether you shop for fashion, tech, beauty, or groceries, you’ll discover which platform matches your shopping habits — and how to maximize your earnings with signup bonuses and ongoing deals.
One of the most popular cashback platforms, Rakuten partners with thousands of stores to give users up to 40% back. Easy-to-use browser extension and frequent bonus campaigns make it a top choice.
Typical Cashback: 1%–40% depending on store
Honey, owned by PayPal, is best known for its automatic coupon finder, but it also offers cashback rewards through the “Honey Gold” program. You earn points (Gold) for eligible purchases, which can be redeemed for gift cards from popular retailers. The browser extension works seamlessly in the background, finding discounts without extra effort.
Typical Cashback (Honey Gold): 1%–20% equivalent in gift cards.
Pros: Finds coupons automatically, widely trusted, integrated with PayPal.
Cons: Rewards are only redeemable for gift cards, not cash.
Swagbucks is a versatile rewards platform offering cashback shopping, paid surveys, games, and videos. Cashback shopping through Swagbucks lets you earn “SB” points on purchases, which can be redeemed for PayPal cash or gift cards. It’s a good choice if you want multiple earning options in one place.
Typical Cashback: 1%–15% depending on store.
Pros: Multiple ways to earn, flexible redemption, frequent promo codes.
Cons: Cashback rates sometimes lower than competitors.
TopCashback is famous for offering some of the highest cashback rates in the industry by passing on 100% of commission to members. It has partnerships with thousands of retailers and no minimum payout limit, making it ideal for serious cashback users.
Typical Cashback: 2%–50% depending on store.
Pros: Highest rates, no payout threshold, wide store selection.
Cons: Cashback can take a while to process.
Capital One Shopping is a free browser extension that automatically applies coupon codes and tracks price drops. It also offers “Shopping Rewards” (points) when you buy from partner stores, redeemable for gift cards.
Typical Cashback: 1%–15% equivalent in gift cards.
Pros: Price drop tracking, automatic coupons, works without a Capital One account.
Cons: No direct cash payouts.
