TopCashback Cashback Review
Highest published rates, 0% portal fee
Updated July 2, 2026 · 30 live retailer rates published below.
About TopCashback
TopCashback advertises the highest cashback rates of any US portal because it returns 100% of the affiliate commission to members and earns revenue exclusively from a small network of advertising partners. There is no minimum payout threshold and no membership fee. TopCashback also offers a gift-card boost when cashback is withdrawn to retailer-specific store credit instead of cash, which can increase the effective cashback rate by 3-10% depending on the partner brand.
Payout method
Bank transfer, PayPal, or gift-card boost after the cashback balance clears the $0.01 minimum threshold. Cashback typically posts as pending within 3-10 business days of a tracked order and clears to payable after the retailer's published return window closes.
Related reading on DealTrackr: the four-layer stacking method, Rakuten payout calendar, and how to file a missing-cashback claim.
Top 30 retailers right now on TopCashback
The retailers below are sorted by TopCashback's current published rate. Each row links to a side-by-side comparison against the seven other major US cashback portals so you can confirm TopCashback is actually the highest payer for that brand before clicking through.
Related reading on DealTrackr: the four-layer stacking method, Rakuten payout calendar, and how to file a missing-cashback claim.
How TopCashback stacks with promo codes
Cashback through TopCashback is paid on the post-discount, pre-tax subtotal in nearly every case, which means a working DealTrackr promo code reduces the dollar amount of cashback but does not disqualify the order from the cashback program. The correct order of operations is: load the retailer page from a fresh browser tab, copy the promo code from DealTrackr, click the TopCashback merchant tile to open a tracked session, complete checkout, and confirm both the discount line and the TopCashback tracking confirmation are visible before submitting payment.