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.
What is TopCashBack?
TopCashBack is a site where you can earn cashback and other rewards on everyday purchases.
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.
- 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:
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Even better, the amounts shown above are what I can withdraw (or have already withdrawn) in cash.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.
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.
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:
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!
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.
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
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!
Founder of HomeWorkingClub.com – Ben has worked freelance for nearly 20 years. As well as being a freelance writer and blogger, he is also a technical consultant with Microsoft and Apple certifications. He loves supporting new home workers but is prone to outbursts of bluntness and realism.