Is TopCashback a Scam Or a Legit Way To Get Cash Back?

get cash back for shopping online

Name: Top Cashback
Type: Cashback website
Membership Price: Free to join
My Rating: 2.9 out of 5

Table of Contents


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Intro – What Is Top Cashback About?

If you’re an online shopaholic then you’re definitely gonna love cashback. You’re also a smart one for doing your research into whether Top Cashback is a scam or legit, because scams are out there and knowledge is the only way to avoid them.

I’m an actual Top Cashback user myself and have been using them for almost a year now, so this review is from my own personal experience.

Top Cashback started in the UK back in 2005 and their US site launched in 2011, they’re one of the biggest cashback websites in the world with over 4.5 millions members.

So what is Top Cashback exactly? It is a website that gives you cashback for shopping at one of their merchants through their website. They currently have over 4000+ merchants, including the big name stores like Walmart, Overstock, Nike, Best Buy, Amazon, Macy’s, Ebay, GNC, plus so much more.

What Is Cashback Exactly?

As the name suggests, it’s when you get a percentage of the cash you’ve spent in an online store back to you. Top Cashback typically offers cashback in the 3% to 10% range, I’ve seen as high as 30% but that’s rare. So let’s say you go to and spend $100 there, a 4% cashback means Top Cashback will give you $4 back to you. So think of it like a coupon, or a store rebate.

How Does It Work?

list of merchants eligible for cashback

First you’re gonna want to sign up for an account at Top Cashback by clicking HERE. You’ll then need to confirm your email address, once you do that you’re all ready to start shopping and receiving cashback.

To receive cashback you’ll need to shop at one of the 4000+ stores supported by Top Cashback, then go to that merchant through Top Cashback by clicking their link, this is how they are able to track your shopping and how much you’ve spent at the store.

Then just shop normally and your spending will be tracked, and within about 24hrs your cashback earnings will be displayed on your Top Cashback account’s dashboard.

I’ve created some step-by-step screen shots to show you exactly how to do this properly:

Step 1

type in your retailer

First step is to pick where you want to do your shopping. You can pick a store either by browsing through one of their featured merchants or new offers on their front page, or by typing in a specific store name in the “search by store name” box at the top. For this example let’s use “Walmart.”

Step 2

Click the “Cashback” button

Step 3

As you can see, Walmart offers a 3% cashback (this percentage fluctuates, I’ve seen as high as 8%), just click “Get Cashback Now.”

Step 4

Click “Ok, continue,” and this will open up a new tab that brings you to the website of the store.

Step 5

Once you see this screen that means your visit to the store has been tracked properly, and you can now just do your shopping as you normally would.

The important thing is to make sure you do your shopping and payment on that new tab that just popped up, if you close it accidentally then you’ll need to open up another one by starting from Step 1 again to ensure you’re tracked properly by Top Cashback. 

Once you’re done shopping and paid for your items, you can expect to see your cashback earnings appear in your Top Cashback account within 24hrs. Just go to your account and the amount will be displayed under “Outstanding.”

How Do You Get Paid?

You may notice that your cashback earnings is under “Outstanding,” which means it’s not yet payable to you. It typically takes about 14 weeks before you can actually request a payout to actually receive the money.

Yes, I know 14 weeks is a long time! Why so long? Because the merchant you shopped at needs time to verify the transactions and also to make sure the eligible for refund period has passed.

But I assure you, they really do pay once the 14 weeks is up. I’ve actually made over $132 in the past year in cashback, I’ll provide you with a screen shot to prove it:

proof of cashback payment

The number under “Paid” is the amount I’d actually received in my bank account and the money I can actually spend. The number under “Outstanding” means it’s still pending. 

On your dashboard you can check to see if any of your cashback earnings is ready to be paid out, if you see a number under “Payable” then that means you can request a payout. There’s no minimum payout amount, so you can request a payout as long as there’s something under “Payable.”

Payment methods include:

  • Paypal
  • Direct Deposit
  • eGift Cards with a selection from various merchants
  • American Express Reward Cards

Depending on your country, some methods may not be available to you. For example, for a direct deposit payment you’d need to have a US bank account.

More Ways To Earn With Top Cashback

There are  couple of ways you can earn even more cashback and even make a bit of extra money, let’s go over them:

Choosing Payout Via Gift Cards

You can earn an extra 2-5% cashback when you request a payout in the form of gift cards. There are many stores to choose from when picking gift cards, and many of the gift cards are electronic gift cards, meaning you’ll get them sent to you very quickly.

Referring Friends

If you have a lot of friends who are also shopaholics, there is a great opportunity for you to actually make some extra spending money. For every friend that you refer to Top Cashback who earns at least $10 in cashback, you will make $10, this amount can change so please make sure you check the Top Cashback website for the current reward offered.

Conclusion: Scam Or Legit?

From my own personal experience I can attest that Top Cashback is 100% legit and not a scam. Some people may be put off by the whole 14 weeks waiting period before you get your money, but it’s not something they do to scam you, that’s just how it works, and I promise that you will get the money eventually just as I did.

This is a great way to save some money, especially if you frequently shop online, but cashback is not a way to make any money because you need to spend money to earn it. 

If you’re interested in making some extra money online (for free) without having to spend money first, then check out my favorite extra income sites here.

But with the referral program at Top Cashback you can actually make some money if you refer a lot of friends to use Top Cashback, but honestly the amount you could make referring people would probably be just a few dollars here and there at most. If you’re interested in making some real money online, I’ve got a better method I’d like to share with you. 

Want To Make Money Online?

If you’re interested in making some real dough online, as in an extra few hundreds or even thousands of dollars a month, check out a free guide I wrote which I teach you the best way to do so. You can read my free guide by clicking the link below:



In my free guide I go over the method I currently use myself in making money online, how it works, why it works so well, and how you can get started for FREE with the right training and tools to help you.

I’ll show you a legitimate business model that simply works, and many people are using it to create a full time living. It’s something really easy to learn and anyone can get started, even if you’re a complete beginner.

But what I show you in the guide is a real business opportunity, not some get-rich-quick scheme or scam. So be prepared to work hard, because it will take effort to make that money! But if you’re looking for a legit way to earn real money online, then there’s no better way to do so than this business model.

To learn more about what this business model is and how you can get started today for FREE, check out my free guide now!


If you have any questions or comments about Top Cashback or anything else I’ve talked about in this post, please post them down below in the box, I always reply to each and every comment!

Top Cash Back – My Final Rating

  • Cashback Savings
  • Ease of Use
  • Ease of Receiving Earnings
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