TopCashback Review: Is This Genuine Easy Money?

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This TopCashback review is definitely one of the easier articles I’ve written for this site.

There aren’t many things in life that earn you money for essentially doing absolutely nothing, but using TopCashback is one of them.

Since I joined TopCashback in 2015, I’ve earned GB£1864.54, which is just under $2500. I’ve made all this money on things I would have purchased anyway. In case you’re in any doubt, there’s a screenshot of my earnings later on in this TopCashback review.

Saving money

What is TopCashBack?

TopCashBack is a site where you can earn cashback and other rewards on everyday purchases.

TopCashBack is available in the US (click here) and the UK (click here).

How does it work?

The premise of TopCashback is really simple: you get cash back via the service for many of the purchases you make online.

TopCashback has partnerships with over thousands of companies in the USA and UK. All you have to do is set up a TopCashback account, and search on the site before buying anything online to see if it’s possible to earn cashback on the purchase. You then click through to the retailer’s website and proceed as normal.

This is actually the single flaw of TopCashback for me. I often buy something online, forget to check first, and realise that I could have had some money back if I’d remembered to check! 

With so many companies linked to TopCashBack, I find that more often than not I can earn cashback on the things I buy online.

Some of the things I’ve earned cashback for include:

  • Furniture purchases.
  • Online insurance purchases.
  • Casino deposits
  • Dominos pizza – something I now know I used to spend far too much on!
  • Hotel bookings.
  • Flights.
  • Computer components.

It all adds up. If you have any doubt as to just how much it adds up to, check out the screenshot below, particularly the part in the bottom right corner:

TopCashBack Total

This is a genuine screenshot from my own TopCashback account, showing my earnings since I joined in 2015. If you have any doubts, feel free to contact me and I’ll give you further proof.

Even better, the amounts shown above are what I can withdraw (or have already withdrawn) in cash. People who are happy to take Amazon vouchers, or vouchers for all kinds of other retailers, can take up to 6% more when they withdraw.

Find TopCashback in the US Here. If you are in the UK, click here.

How to make the most of TopCashback

As I mentioned above, the one thing that personally stops me making even more from TopCashback is forgetting to use it! So long as you remember, you can make money back almost every time you shop online.

That said, there are certain things that can make you a truly meaningful amount of money really quickly, for example:

  • Hotel bookings (see below for an example).
  • Casino deals.
  • Financial services products.

I’ll focus on my first example for the purposes of this TopCashback review, as it’s hotel bookings that have really allowed me to cash in the most.

Between work trips, holidays and trips to see friends and family, I spend rather a lot of time in hotels. If you spend even a fraction of the time I do travelling about and staying in hotels you are guaranteed to do rather well from cashback sites.

I personally do all my hotel bookings via Hotels.com. They always have a cashback offer on TopCashback when I look. Sometimes, as shown below, they offer up to 10% back on all bookings. This isn’t a small amount of money – we’re talking $30 back on a three night booking on a $100 per night room.

Hotels cashback

I actually take things one step further with my hotel bookings, as I’m also signed up to the Hotels.com rewards scheme, which gives me a free night for every ten I book.

So, I get anything up to 10% cashback, PLUS a free night to use for every ten I book.

Here’s what I’ve earned from TopCashback from Hotels.com alone:

Hotel cashback

Admittedly, I’ve spent a lot of time in hotels, but a fair proportion of this is on business trips. That £667 ($879) is not too shabby at all, especially when you take into account that I’ve earned a bunch of free nights as well!

TopCashBack Problems

There genuinely isn’t a downside to using TopCashback (other than when you kick yourself for failing to use it when you make a purchase you could have earned money back on!)

Personally, the thing that really gets to me is that I’ve largely failed to convince any of my friends to take advantage of it. TopCashback runs a great referral scheme where you can earn cashback when your friends start to use it.

Find TopCashback in the US Here. If you are in the UK, click here. (Those are MY referral links!)

They also run lots of offers, promotions and draws where you can earn extra just for getting involved, without spending money at all.

TopCashback is literally free money for the tiniest amount of effort (just clicking through from one extra website before buying things you were going to anyway).

So How Does the Site Make Money?

The business model is really simple, and there’s nothing remotely dishonest, underhand or scammy about it:

Most websites (even this website, to an extent), make money by earning commission on selling products and services. TopCashback is no different, except for the fact that it hands most of the commission back to the purchaser.

It really is that straightforward. The reason the site is such a big business is that it’s sending thousands (if not millions) of people to companies to spend money – the small commission they have left after paying out the cashback adds up to an awful lot.

Hints and Tips

Earning Cashback
As this TopCashback review should have already proved, earning from money back offers with this service is a no-brainer, but I’ve learned plenty from using it for several years.

With that in mind, here are some hints and tips for TopCashback:

  • Always remember to check TopCashback for a valid offer before buying anything online.
  • Pay particular attention to cashback deals on insurance and other financial services – the rewards can be huge – and you can sometimes earn money for merely requesting a quote.
  • If you gamble online, check TopCashback for casino and betting sites you’ve not yet joined. You can sometimes earn more than you stake for a guaranteed, risk free profit.
  • Make sure all of your cashback tracks successfully back to your account. The system is usually reliable, but when it’s not, it doesn’t take long to follow up and ensure you are paid. I personally set reminders to check the cashback has tracked a few weeks after the purchase.
  • Have a look and find the best rewards before you buy gifts for family and friends.
  • Consider taking your cashback in the form of vouchers if you plan to spend at retailers such as Amazon anyway – you could earn up to 6% more.
  • Try to get your friends on board via the referral scheme to earn even more commission.

TopCashback Review: Conclusion

There are few, if any, ways to make free money more reliably and easily than by signing up to TopCashback.

As stated earlier in this TopCashBack review, the only real frustration to this is that it’s really frustrating when people don’t make the tiny bit of effort required to sign up and get involved!

Fortunately, you don’t have to be one of the lazy ones who misses out. Join TopCashback in the US Here. If you are in the UK, this is the link you need.

97%
97%
Essential!

This TopCashback review proves just how easy it is to make money back on all the day to day items you were going to purchase online anyway.

When the worst thing we can say is that you may occasionally forget to use the service and lose out as a result, this is clearly a service that everyone who's eligible should sign up for.

  • Money making potential
    10
  • Ease of use
    10
  • Accessibility
    9
  • User Ratings (1 Votes)
    9

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About Author

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Founder of HomeWorkingClub.com - Ben is a long-established freelancer with a passion for helping other people take control of their destiny and break away from "working for the man." Prone to outbursts of bluntness and realism.

3 Comments

  1. Pingback: 20 Cogs Review: Is this UK Side Gig Worthwhile? - HomeWorkingClub.com

  2. Avatar

    You guys getting paid to write this review?

    TopCashBack is the worst cash back company I’ve ever dealt with. Spent months trying to prove to them by offering them video capture, session logs, and email receipts from merchant but their customer support was so lazy they didn’t want any of it and kept saying “sorry, unable to prove you purchased anything”. What a scam!!!

    • Avatar

      I do find it boringly cynical when an individual who’s had a bad experience with a company decides that the only reason anyone else would say anything positive is because they were paid to do so. In answer to your question, no I was not paid to write it. TCB has a 9.3 rating on TrustPilot at the time of writing and is not a scam. It is, however, a company that deals with thousands of people and (I imagine) millions of transactions, so it’s inevitable some people will have problems. I’ve been paid £1719.12 since I signed up and have a good couple of hundred on the way that will help pay for Christmas.

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