All offers / Cash back & shopping
Cash back & shopping bonuses
10 offersTwo things decide this category: the bonus and the calendar. The money is usually real cash, but it rides payout schedules measured in months. Rakuten, the best-known name here, pays out four times a year, and a balance under its minimum simply rolls into the next quarter.
Read the bar carefully, because it is usually earned rather than spent. TopCashback's threshold is $10 of cash back you have actually earned, not $10 pushed through a checkout, and purchases sit pending for weeks while retailers confirm them.
Two quieter leaks: inactivity fees that eat a small balance, and store exclusions. On Rakuten, Amazon purchases do not count toward qualifying at all, and Ibotta charges $3.99 every 30 days once an account has sat idle for 180 days. The row for each offer names its own version of both.
Every entry above was verified on the official terms on the date shown. When terms change, the row changes.