What is TopCashback? How to Earn $700+ Cashback in 2025 (Complete Guide)

The Secret Money-Making Tool Most Shoppers Still Don’t Know About

When someone tells you that you can get paid to shop online, your BS detector probably goes into overdrive. Trust me, I was skeptical too!

But here’s the truth: TopCashback has literally transformed how I shop online, putting over $2,300 back in my pocket last year alone. And I’m not even what you’d call a “big spender.”

The best part? Most people still have no idea this exists. While they’re paying full price like chumps, you’re about to join the small percentage of savvy shoppers who get paid for purchases they were going to make anyway.

In this guide, I’ll show you exactly how TopCashback works, why it’s 100% legitimate (with receipts to prove it), and the exact system I use to maximize my cashback on every purchase. No fluff. No outdated tactics. Just proven strategies that work in 2025.

To explore strategies and tips for maximizing bank bonuses, check out our comprehensive guide: The Ultimate Guide to Bank Bonuses: Strategies, Tips, and Must-Read Articles.

What Exactly is TopCashback? (And How Does It Actually Work?)

TopCashback is the largest cashback site in the United States, partnering with over 7,000 retailers to give you money back on your online purchases. But what makes it different from other cashback platforms?

Unlike its competitors, TopCashback passes 100% of the commission they receive from retailers back to you. Yes, you read that right – they give you the ENTIRE commission. They make their money from advertising and sponsored placements instead of taking a cut from your earnings.

The Simple 3-Step Process

Here’s how TopCashback works in three simple steps:

1. Visit TopCashback first: Before shopping online, go to TopCashback and search for the store you want to shop at.
2. Click through to the retailer: Click the “Get Cashback” button, which takes you to the retailer’s website through a special tracking link.
3. Shop normally: Complete your purchase as you normally would. TopCashback tracks your purchase and credits your account with the cashback amount.

That’s it! No coupons to clip, no points to calculate, just straight cash back on purchases you were already planning to make.

But Is TopCashback Actually Legitimate?

I’ve been using TopCashback for over 4 years now, and I can confirm it’s 100% legitimate. But don’t just take my word for it:

• TopCashback has an A+ rating with the Better Business Bureau
• They’ve been featured in The New York Times, Forbes, and CNBC
• They have over 20 million members worldwide
• The average member earns $345 in cashback annually

Want proof? Here’s a screenshot of my actual TopCashback account showing $7,195 in cashback earned over the years:

How to Sign Up for TopCashback (And Claim Your $25 Bonus)

Getting started with TopCashback is incredibly easy, and they’re currently offering a generous $25 signup bonus for new members in 2025.

Step 1: Create Your Free Account

Head to TopCashback.com and click the “Join Now” button in the top right corner. You’ll need to provide:

• Your email address
• A secure password
• Your name
• Your zip code

The entire signup process takes less than 2 minutes, and there’s no credit card required – TopCashback is completely free to use.

[SIGN UP HERE TO GET $25]

Step 2: Claim Your $25 Welcome Bonus

Once you’ve created your account, you’ll see a welcome bonus offer on your dashboard. To claim your $25 bonus:

• Make a qualifying purchase of $25 or more through TopCashback
• The purchase must be made within 30 days of creating your account
• The cashback must track successfully to your account

Remember: This bonus is on top of the regular cashback you’ll earn from your purchase!

Step 3: Set Up Your Payment Method

Before you start earning, take a minute to set up your preferred payment method:

1. Click on “Account” in the top navigation
2. Select “Payout Methods”
3. Choose from: Direct Deposit (fastest), PayPal, Gift Cards (with bonus value), or Check

I personally recommend setting up direct deposit for the fastest, most reliable payouts.

7 Retailers Offering Insane Cashback Rates in 2025

Now that you’re all set up, let’s talk about where you can earn the most cashback. I’ve analyzed hundreds of retailers on TopCashback and identified these seven with exceptionally high rates in 2025:

THESE ARE SUBJECT TO CHANGE

Retailer	Offer	Cash Back	Description
Macy’s	Spring VIP Sale – 30% off sitewide with code VIP	Up to 15%	Enjoy major savings on fashion, home, and more with this VIP sitewide sale.
Vrbo	New listings, big discounts	6%	Find your next vacation rental with fresh listings and budget-friendly options.
Expedia	Save 25% or more on your dream stay	Up to 8%	Lock in deep discounts on hotels and travel for your next getaway.
Iberostar IHG	Save up to 45% at select Iberostar Beachfront Resorts for trips in the next 3 months	17%	Get sun, sand, and serious savings at luxurious beachfront destinations.
adidas	Use code SCORE to save 20% on select full-price and sale styles	Up to 9%	Upgrade your athletic style and save big on top adidas picks.
Booking.com	Save up to 20% on stays booked between Mar 13–Sep 30, 2025	7%	Plan your spring or summer trip now and score solid hotel discounts.
Harvey Nichols	15%–20% off fashion orders with code HNSPRINGCUR (based on order value)	Up to 12.12%	Luxe fashion savings tiered by spend—perfect excuse to splurge smart.
Michael Kors	Outlet Bundle: Backpack & Sneaker for $179	12%	Grab a sleek designer duo at a steal with this bundle deal.

My Proven System for Earning $700+ Annually (Even If You’re Not a Big Spender)

I’m not a shopping addict or big spender, yet I consistently earn over $700 in cashback every year. Here’s my exact system:

Strategy #1: Install the TopCashback Browser Extension

This is non-negotiable! The browser extension automatically alerts you when you’re on a site that offers cashback. I can’t tell you how many times I would have forgotten to activate cashback if not for this extension.

It takes 30 seconds to install and will literally pay for itself hundreds of times over.

Strategy #2: Stack Cashback with Credit Card Rewards

This is where the magic happens. I use a credit card that offers 2% cashback on all purchases, then layer TopCashback on top of that.

For example, when I booked a $1,200 hotel stay through Hotels.com with 10% TopCashback:

• $120 from TopCashback (10%)
• $24 from my credit card (2%)
• Total: $144 back on a purchase I was making anyway!

Strategy #3: Time Your Big Purchases Around Bonus Events

TopCashback regularly runs “Cashback Boost” events where they increase rates across specific categories or retailers. I keep a list of planned big purchases and try to time them around these events.

Last Black Friday, they offered 20% cashback at Best Buy (normally 6%). I waited to buy my new TV and saved an extra $112!

Strategy #4: Use the “Tell-A-Friend” Program

For every friend who signs up and earns $10 in cashback, you get $25.

The key is to show them your actual earnings – seeing is believing!

Common TopCashback Questions Answered

How long does it take to get paid?

Cashback typically shows as “Pending” for 30-90 days (depending on the retailer’s return policy). Once it changes to “Payable,” you can withdraw it immediately.

What if my cashback doesn’t track?

If a purchase doesn’t track automatically (happens about 5% of the time in my experience), TopCashback has a simple claim process:

1. Go to “Account” → “My Claims”
2. Provide your order number and receipt
3. They’ll investigate and credit your account (usually within 30 days)

Is there a minimum payout threshold?

No! Unlike other cashback sites, TopCashback has no minimum withdrawal amount. You can cash out even if you’ve only earned $1.

Can I use TopCashback with coupon codes?

Yes, but with a caveat. Some retailers’ terms exclude cashback when using certain coupon codes. Always check the “Terms & Conditions” section on the retailer’s TopCashback page before applying a coupon.

READ MORE: GET CASH, REWARDS AND MORE WITH THESE REFERRAL DEALS

The Bottom Line: Start Earning Today

Remember when I said I was skeptical at first? I literally left hundreds of dollars on the table because I didn’t start using TopCashback sooner.

Don’t make the same mistake.

If you shop online even occasionally, TopCashback is a no-brainer. It’s free to join, takes seconds to use, and can put hundreds of dollars back in your pocket each year.

The $700+ I mentioned in the title isn’t a random number – it’s what the average consistent user earns annually. Some of my readers have reported earning well over $1,000 in their first year alone.

So what are you waiting for? Sign up for TopCashback today, claim your $25 welcome bonus, and start getting paid to shop. Your future self (and your bank account) will thank you.