Get Paid to Shop Online: The Honest 2026 Guide

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Yes, you can genuinely get paid to shop online — and this is one of the few online earning methods where the returns are significant enough to matter.

Cashback shopping apps and reward websites like Rakuten, Swagbucks, and TopCashback pay 1% to 40% back on purchases you were going to make anyway. Serious cashback users who route all their online shopping through these platforms consistently earn $200 to $600+ per year without changing what they buy or where they buy it.

Unlike most micro-task side hustles, getting paid to shop online scales directly with your existing spending — making it the highest-return, lowest-effort money habit most people aren’t using yet.


What Does “Get Paid to Shop Online” Actually Mean?

The phrase covers a few distinct models, and understanding each one helps you extract the most value from the least effort.

1. Cashback portals — websites and browser extensions that pay you a percentage of your purchase price when you shop through their tracked links. You visit the cashback site first, click through to the retailer, shop normally, and a percentage of what you spend comes back to you. Rakuten, TopCashback, and BeFrugal are the most prominent examples.

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2. Shopping reward platforms — sites like Swagbucks and MyPoints that award points for purchases made through their shopping portals. Points convert to PayPal cash or gift cards. Often less straightforward than flat cashback percentages but can offer competitive rates on select retailers.

3. Cashback credit cards combined with portals — stacking a cashback credit card on top of a cashback portal is the most powerful combination available. Your credit card pays 1–5% back, the portal pays an additional 2–15%, and your total return on spending can reach 10–20% on select purchases.

4. Receipt scanning apps — apps like Ibotta and Fetch Rewards that pay you for scanning grocery and retail receipts. These work both online and in-store and are particularly valuable for everyday grocery spending that portals don’t cover.

5. Shopping mystery and feedback apps — platforms that pay you to purchase specific items, evaluate the purchase experience, and submit a report. These are sometimes called “retail auditing” and pay more per task but require specific purchase actions.

“Cashback is the only side hustle where the less effort you put in, the better — the goal is to automate it completely so it runs invisibly in the background of your existing spending.”

This guide focuses primarily on the first four models — the ones accessible to anyone with an internet connection and existing shopping habits, with no change in behavior required beyond routing purchases through the right platform.


How Cashback Shopping Works

The Affiliate Commission Model

Every cashback portal operates on the same underlying mechanic: affiliate marketing commissions.

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When a retailer like Amazon, Nike, or Sephora wants to attract customers, they run affiliate programs that pay websites a commission for sending buyers their way. The commission is typically 2–15% of the purchase price, paid by the retailer to the referring website.

Cashback portals are essentially affiliate websites that share the bulk of their commission with you instead of keeping it. Here’s the flow:

  1. You visit the cashback portal (or activate the browser extension).
  2. You click through to the retailer via the portal’s tracked link.
  3. You shop and complete your purchase exactly as normal.
  4. The retailer pays the portal its affiliate commission — typically within 24–48 hours.
  5. The portal credits a portion of that commission to your account — usually after a short pending period of 7–30 days while returns are processed.
  6. Once your balance reaches the minimum threshold, you request payout.

The retailer pays the commission regardless of whether you use a portal — the portal simply intercepts that commission and redirects part of it back to you. You’re not paying more for anything. The cashback comes entirely from the retailer’s marketing budget.

Why Cashback Rates Vary

Cashback percentages fluctuate for several reasons:

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  • Retailer campaigns: Retailers temporarily increase affiliate commissions during promotional periods (Black Friday, new product launches, end-of-season sales) to attract more shoppers. Portals pass these increases on as elevated cashback rates.
  • Product category margins: High-margin categories (electronics accessories, beauty, software, travel) offer higher cashback than low-margin ones (groceries, electronics hardware).
  • Portal competition: When multiple portals compete for your click on the same retailer, they sometimes raise their rates to differentiate.
  • Exclusions: Most portals exclude certain products or categories from cashback — gift cards are almost universally excluded, and sale items may have reduced rates.

Best Cashback Shopping Apps and Websites in 2026

Rakuten ⭐ Best Overall Cashback Portal

Cashback rate: 1%–40%
Payout: PayPal or check quarterly
Min. payout: $5.01
Platform: Web + browser extension + app

Rakuten (formerly Ebates) is the largest cashback portal in the US and the most consistently reliable option for everyday shoppers. It covers over 3,500 retailers including Amazon, Walmart, Target, Nike, Sephora, and virtually every major online store. The browser extension activates automatically when you visit a participating retailer, making it as close to frictionless as cashback gets.

Rakuten pays out quarterly via PayPal or physical “Big Fat Check” — in February, May, August, and November. The quarterly payment model is different from most competitors, but the reliability and retailer coverage make it the first recommendation for most people.

Standout feature: A $30 welcome bonus after your first $30 in qualifying purchases — making your first redemption almost immediate.

TopCashback ⭐ Highest Cashback Rates

Cashback rate: 1%–50%+
Payout: PayPal, gift cards, bank transfer
Min. payout: $0 (PayPal), varies by method
Platform: Web + browser extension + app

TopCashback consistently offers the highest cashback rates of any major portal, often beating Rakuten and others by 1–5 percentage points on the same retailers. It has a larger UK presence but is robust for US shoppers too. The platform’s “Cashback for Life” guarantee promises never to reduce your cashback on eligible transactions.

Standout feature: A cashback comparison tool that shows you the rate available at multiple portals simultaneously — unusually transparent for the industry.

Honest caveat: TopCashback’s interface is more cluttered than Rakuten’s, and the payout process has more steps. Worth the slightly higher friction for the better rates on large purchases.

Swagbucks Shopping Portal ⭐ Best for Points Stacking

Cashback rate: 1–20 SB per $1 spent (~1%–20%)
Payout: PayPal, gift cards
Min. payout: $3 (GC), $25 (PayPal)
Platform: Web + extension + app

Swagbucks’ shopping portal converts purchase amounts into SB points redeemable for PayPal cash or gift cards. The rates are competitive with Rakuten on many retailers, and Swagbucks’ key advantage is ecosystem — if you’re already earning SB from surveys, emails, and videos, routing your shopping through Swagbucks compounds everything into a single consolidated balance.

Standout feature: Swagbucks frequently runs bonus point promotions on specific retailers — 10x or 20x SB on a particular day — that can dramatically boost the effective cashback rate on a planned purchase.

Ibotta ⭐ Best for Grocery and In-Store Cashback

Cashback rate: $0.25–$5 per item (fixed offers)
Payout: PayPal, Venmo, gift cards
Min. payout: $20
Platform: iOS + Android

Ibotta works differently from portals — it’s offer-based rather than percentage-based. You browse available offers (e.g., “$0.50 back on any Oikos yogurt,” “$3 back on a case of La Croix”), add them to your list, make the purchase in-store or online, and submit your receipt or link your loyalty card. Ibotta is particularly powerful for grocery and CPG (consumer packaged goods) spending that portals don’t typically cover.

In 2024, Ibotta also became the cashback infrastructure behind Walmart’s cashback program, significantly expanding its reach.

Standout feature: Welcome bonus of up to $20 in offers for new users, redeemable within the first 30 days.

Fetch Rewards

Cashback rate: Points per receipt (~$0.01–$0.05 per receipt base)
Payout: Gift cards
Min. payout: ~$3
Platform: iOS + Android

Fetch Rewards pays you points for scanning any grocery, restaurant, or retail receipt — regardless of what you bought. Base earnings are low (a few cents per receipt), but Fetch also includes brand-specific bonus offers worth significantly more. The key appeal is simplicity: scan every receipt you receive, period, and points accumulate over time.

Standout feature: Partner brand offers on Fetch can pay $1–$5 for purchasing specific items, stacking on top of base receipt points.

BeFrugal

Cashback rate: 1%–40%
Payout: PayPal, check, gift cards, Venmo
Min. payout: $1 (PayPal)
Platform: Web + browser extension

BeFrugal is a strong alternative to Rakuten with a $1 minimum payout — the lowest of any major portal — making it excellent for occasional shoppers who don’t hit Rakuten’s $5.01 quarterly threshold. BeFrugal also has a cashback comparison feature and is known for accurate tracking and low claim dispute rates.

Standout feature: $10 signup bonus available for new members, paid after your first cashback transaction.

MyPoints

Cashback rate: 2–40 points per $1 (~2%–10%)
Payout: PayPal, gift cards
Min. payout: $10
Platform: Web + app

MyPoints is owned by Swagbucks’ parent company (Prodege) and operates on a similar model — points earned through shopping, surveys, and email. The shopping portal is robust and competitive. MyPoints suits users who prefer Amazon gift cards as a payout, since the conversion rate for Amazon GCs is often better than the PayPal equivalent.

Honey (PayPal)

Cashback rate: Honey Gold points (~0.5%–2% on select stores)
Payout: PayPal balance (via Gold conversion)
Platform: Browser extension

Honey’s primary value is automatic coupon code application at checkout — it searches for working codes and applies the best one. The cashback component (Honey Gold) is secondary and lower than most dedicated portals. Worth having installed for the coupon functionality, but not a primary cashback strategy on its own.

Honest caveat: Honey was acquired by PayPal in 2019 and came under scrutiny in 2024 for overriding affiliate links, potentially displacing higher cashback from other portals. Consider the browser extension interaction carefully if you use multiple cashback tools simultaneously.

Capital One Shopping

Cashback rate: Rewards points on select retailers
Payout: Capital One statement credit or gift cards
Platform: Browser extension

Capital One Shopping (formerly Wikibuy) automatically applies coupon codes and compares prices across retailers. The cashback component is modest and primarily benefits Capital One cardholders. Useful as a price comparison layer, not as a standalone cashback strategy.

Read also: Get Paid to Shop Online: The Honest 2026 Guide


Comparison Table: Best Cashback Shopping Apps and Websites

PlatformModelCashback RatePayout MethodMin. PayoutBest For
Rakuten% cashback1%–40%PayPal + check$5.01Everyday online shopping
TopCashback% cashback1%–50%+PayPal + bank + GC$0Highest rates, large purchases
SwagbucksPoints1%–20%PayPal + GC$3–$25Stacking with other tasks
IbottaFixed offers$0.25–$5/itemPayPal + Venmo + GC$20Groceries + in-store
Fetch RewardsReceipt scanningLow base + bonusesGift cards~$3Any receipt, effortless
BeFrugal% cashback1%–40%PayPal + check + GC$1Occasional shoppers
MyPointsPoints2%–10%PayPal + GC$10Amazon gift card users
HoneyCoupons + Gold0.5%–2%PayPal$10Coupon finding primarily

The Stacking Strategy: How to Maximize Every Purchase

The real power of cashback shopping comes from layering multiple platforms simultaneously. Here’s how to stack correctly:

Layer 1: Cashback Credit Card

Use a card that earns cash rewards on online purchases. The Chase Freedom Unlimited (1.5% everywhere), Citi Double Cash (2% everywhere), or category-specific cards like Chase Freedom Flex (5% on rotating categories) provide a base cashback layer on every purchase regardless of which portal you use.

Layer 2: Cashback Portal

Route every purchase through Rakuten or TopCashback before clicking to the retailer. This adds 1–15% on top of your credit card’s base rate.

Layer 3: Retailer Loyalty Program

Many retailers offer their own reward points on purchases — Amazon Prime rewards, Target Circle, Nike membership, etc. These stack on top of your portal and card earnings.

Layer 4: Coupon Codes

Apply a valid coupon code at checkout to reduce the purchase price before cashback is calculated. Note: some retailers only pay cashback on post-coupon amounts, but this still reduces your net cost.

Stacking Example: $200 Purchase at Nike

  • Rakuten cashback (10%): +$20.00
  • Chase Freedom card (1.5%): +$3.00
  • Nike membership points (equivalent ~2%): +$4.00
  • 15% off coupon code applied first: -$30.00 off purchase price
  • Total effective saving on a $200 purchase: ~$57 (28.5% effective return)

That’s the power of stacking. No single layer gets you there — the combination does.


Step-by-Step Getting Started Guide

Step 1 — Install the Rakuten browser extension immediately

This is the single highest-impact action you can take. The Rakuten extension activates automatically on 3,500+ retailer sites, meaning you never have to think about it — cashback just happens. Install it now, before your next online purchase.

Step 2 — Sign up for TopCashback as your rate comparison tool

TopCashback frequently beats Rakuten’s rates on specific retailers. With both installed, check both portals for the highest rate before any significant purchase. The extra 30 seconds of comparison earns measurably more on larger transactions.

Step 3 — Download Ibotta and link your grocery store loyalty cards

Ibotta’s greatest value is grocery cashback — a spending category most portals miss entirely. Link your loyalty cards for automatic cashback without receipt scanning, or scan receipts for any store not covered by linked cards.

Step 4 — Download Fetch and scan every receipt going forward

The habit takes about ten seconds per receipt. Fetch earns small amounts on any receipt but regularly features significant bonuses on specific brands. Set a reminder for the end of each shopping trip.

Step 5 — Add Swagbucks shopping portal for stacking

If you already use Swagbucks for surveys or emails, add the shopping extension for additional SB on every qualifying purchase. Swagbucks’ bonus point events are the most valuable opportunity here — check the shopping section weekly for featured retailer promotions.

Step 6 — Use a cashback comparison tool for large purchases

Before any purchase over $50, spend two minutes checking cashback rates across Rakuten, TopCashback, and BeFrugal. A 3% rate difference on a $500 purchase is $15 — worth 120 seconds of comparison.

Step 7 — Cash out regularly and reinvest into your tracking habit

Rakuten’s quarterly payouts are automatic — you’ll receive payment without requesting it. For other platforms, set a monthly reminder to check and request payouts when thresholds are met. The first payment from each platform confirms the system works and reinforces the habit.


Realistic Earning Potential: What to Actually Expect

Cashback earnings scale directly with your online spending. Unlike most online earning methods, there’s no ceiling on improvement — the more you spend through portals, the more you earn.

Annual Online SpendingEstimated Annual Cashback (2–5% avg)With Stacking (4–8% avg)
$2,000$40–$100$80–$160
$5,000$100–$250$200–$400
$10,000$200–$500$400–$800
$20,000+$400–$1,000$800–$1,600+

The average American household spends approximately $5,000–$8,000 online annually when you include clothing, electronics, home goods, travel, and subscriptions. At a conservative 3% average cashback rate across all purchases, that’s $150–$240 per year in pure recovered money for zero additional effort beyond routing purchases through an extension.

Shoppers who actively compare rates, stack platforms, and maximize grocery cashback through Ibotta can realistically reach $500–$800+ annually.

The Seasonal Opportunity

Cashback rates spike significantly during:

  • Black Friday and Cyber Monday (November): Many retailers double or triple their portal rates for 1–2 weeks
  • Back to school season (July–August): Office supplies, electronics, clothing see elevated rates
  • End-of-season sales (January, June): Apparel and home goods offer elevated cashback as retailers clear inventory

Timing major purchases around these periods meaningfully increases your effective return.


Payment Methods: How You Get Your Money

  • PayPal: Available on Rakuten, TopCashback, BeFrugal, Ibotta, and Swagbucks. The fastest and most flexible option for cash payout.
  • Quarterly check: Rakuten’s default for users who prefer physical payment — mailed automatically when your balance exceeds $5.01.
  • Gift cards: Available on virtually all platforms, often at favorable conversion rates. Amazon gift cards in particular often offer better value than equivalent PayPal amounts on points-based platforms.
  • Venmo: Available on Ibotta — useful for US users who prefer Venmo over PayPal.
  • Bank transfer / ACH: Available on TopCashback — direct deposit to your bank account with no intermediary.
  • Statement credit: Capital One Shopping earnings apply as credit card statement offsets.

Pros and Cons: The Honest Assessment

Pros

  • Requires no change in behavior — you’re shopping anyway
  • No time investment beyond installing browser extensions
  • Earnings scale directly with existing spending
  • Stacking multiple platforms legally multiplies returns
  • Many platforms offer significant welcome bonuses ($10–$30)
  • Works on all major devices — desktop and mobile
  • Completely free to join — no subscriptions or fees
  • Grocery cashback via Ibotta and Fetch covers offline spending too
  • Quarterly auto-payouts from Rakuten are entirely passive

Cons

  • Cashback can be declined if tracking fails (always check your account)
  • Pending periods of 7–90 days before cashback is confirmed
  • Gift cards and some sale items are typically excluded
  • Certain browser extensions can conflict with each other
  • Cashback rates can drop without notice
  • Requires discipline not to overspend to “earn more cashback”
  • Quarterly payout model (Rakuten) means funds are tied up longer
  • Some platforms have complex cashback exclusion policies that require reading terms

Common Mistakes to Avoid

  • Forgetting to activate the portal before shopping. The most common cashback error. The browser extension solves this — but if you’re on mobile or forget to install it, manually visiting the portal first is essential. Check your account after every significant purchase to confirm tracking fired correctly.
  • Using portals for gift card purchases. Almost every cashback portal explicitly excludes gift card purchases from cashback eligibility. Buying a $200 Amazon gift card through Rakuten earns nothing, even though it feels like a purchase.
  • Assuming Honey and Rakuten work simultaneously. Browser extensions from different cashback providers can conflict — one may override the other’s tracking cookie. Some users report Honey overwriting Rakuten tracking, resulting in lost cashback. Disable one extension before activating the other for significant purchases, or use incognito mode with only one active.
  • Overspending to reach cashback thresholds. Buying something you don’t need to earn a $5 cashback reward is always a net loss. Cashback only makes sense on purchases you were going to make regardless. This is the most expensive mistake in the cashback world.
  • Missing payout minimums on inactive accounts. If you signed up for a platform, earned a small balance, and stopped using it, check that your balance hasn’t hit a threshold — and that the platform hasn’t implemented inactivity fees. Redeem all balances before going inactive.
  • Not comparing rates across portals. Spending two minutes comparing TopCashback vs. Rakuten vs. BeFrugal before a $500 purchase can easily yield an additional $10–$20. For large purchases, always compare.
  • Ignoring grocery cashback. Most people use portals only for online retail, leaving Ibotta and Fetch earnings untouched. Grocery spending is often the largest recurring household expense — the cashback available on food, household products, and personal care through these apps is significant.

Tips to Maximize Your Cashback Earnings

  1. Always compare rates before large purchases. Use a cashback rate comparison tool (TopCashback has one, or search “[retailer] cashback comparison”) before any purchase over $100. A 5-minute check can recover $15–$50 on a single transaction.
  2. Stack a cashback credit card with every portal purchase. Your portal earns on the full purchase amount, and your credit card earns on the same amount independently. These combine, not compete. The two-layer minimum should become a permanent habit.
  3. Target Rakuten’s quarterly bonus events. Rakuten runs “Super Cash” promotions several times per year where cashback rates at hundreds of retailers temporarily double or triple. These are posted in advance — plan significant purchases around them.
  4. Use Ibotta for every grocery trip. Link your loyalty cards from Kroger, Walmart, Safeway, or other major chains so cashback applies automatically without scanning receipts. For stores without loyalty card integration, the 10-second scan habit is worth building.
  5. Refer friends and family. Rakuten pays $30 for each referred friend who makes a qualifying purchase. Swagbucks and Ibotta have similarly generous referral programs. Five referrals can pay more than a full year of routine cashback on modest spending.
  6. Set a calendar alert for Rakuten’s payout dates. Rakuten pays in February, May, August, and November. Knowing these dates lets you plan large purchases slightly before a payout cycle ends to confirm cashback is included.
  7. Use portal apps for mobile shopping. Don’t lose cashback on mobile purchases — install the Rakuten, TopCashback, and Ibotta apps on your phone and use them as your shopping entry point when browsing on mobile. The browser extension doesn’t help you in a mobile shopping app.
  8. Read cashback exclusions before specialty purchases. Before buying electronics, travel, or marketplace items (like eBay or Amazon third-party sellers), check the portal’s exclusions list. Many portals exclude Marketplace purchases, specific subcategories, or purchases made through certain payment methods.

⚠ Scam Warning: Fake Cashback Sites and Misleading Shopping Apps

The cashback space is dominated by legitimate platforms — but there are still traps for the unwary:

  • Sites that charge a membership fee to access “exclusive cashback rates.” Legitimate cashback portals are entirely free. No genuine cashback site requires a subscription to earn. Paid cashback clubs or shopping reward memberships are virtually never worth the fee — the cashback earned rarely exceeds the cost.
  • Unsolicited emails offering cashback on a purchase you didn’t make. Phishing emails that mimic Rakuten or Honey communications are common. They claim you have pending cashback and ask you to log in via a link — which collects your credentials. Always navigate directly to the platform’s website rather than clicking email links.
  • Apps promising cashback on all purchases at all stores with no restrictions. Every legitimate cashback platform has participating retailers and exclusions. Any app claiming unlimited cashback everywhere is misrepresenting its service.
  • Fake receipt scanning apps. Apps that promise high earnings for scanning receipts but never actually pay out. Always verify an app has extensive, recent reviews specifically mentioning successful redemptions — not just reviews praising the app’s interface.
  • “Mystery shopper” scams disguised as cashback jobs. If someone contacts you via social media or email offering to pay you to shop and send back the “change” via wire transfer or gift card, this is a check fraud scheme. Legitimate mystery shopping programs never involve receiving money and wiring it elsewhere.

Frequently Asked Questions

Which cashback app pays the most money?

For online shopping, TopCashback consistently offers the highest percentage rates of any major portal — often 1–5% higher than Rakuten on the same retailers. For grocery and in-store cashback, Ibotta offers the most value, particularly for users who regularly purchase brand-name grocery items. For overall simplicity and reliability, Rakuten’s combination of rates, retailer coverage, and automatic quarterly payouts makes it the most practical choice for most people.

Does using cashback portals cost the retailers more?

No. Retailers set aside a fixed affiliate marketing budget that they pay regardless of whether customers use portals. When you use a cashback portal, the portal earns the affiliate commission that would otherwise go to a coupon or content website. The cashback you receive comes entirely from that commission — the retailer’s cost is identical either way.

Can you use multiple cashback portals at the same time?

Not on the same purchase — only one portal’s tracking cookie can be attributed per transaction. However, you can use different portals on different purchases. For each purchase, activate the portal offering the highest cashback rate. This is why installing both Rakuten and TopCashback extensions (but only activating one per purchase) is the optimal strategy.

How long does cashback take to arrive in your account?

Cashback typically enters your account in “pending” status within 24–72 hours of a confirmed purchase, then moves to “confirmed” status after the retailer’s return window closes — usually 30–90 days. PayPal payouts from most platforms process within 1–5 business days of requesting withdrawal. Rakuten pays automatically on its quarterly schedule without requiring a request.

Is cashback considered taxable income?

In most jurisdictions, cashback on purchases is treated as a purchase discount rather than income, meaning it is generally not taxable. However, welcome bonuses and referral bonuses from cashback platforms may be treated differently depending on your location and tax jurisdiction. If you earn substantial amounts from referrals, consult a tax professional. This guide is not tax advice.

Does Rakuten work on Amazon?

Yes — Rakuten does work on Amazon.com and offers cashback on most Amazon purchases. However, Amazon’s cashback rate on Rakuten is typically 1–3%, lower than many other retailers. Amazon purchases through Rakuten also exclude third-party marketplace sellers, gift cards, and certain product categories. Always check the specific exclusions before assuming Amazon cashback will apply.

Are cashback portals safe to use?

Yes — major platforms like Rakuten, TopCashback, and BeFrugal are established, reputable companies that have been operating for years. You’re not entering payment information on these sites — you’re simply clicking through tracked links before shopping normally on the retailer’s own website. Your purchase transaction happens entirely on the retailer’s secure site, not the portal. The safety profile is equivalent to clicking any affiliate link.

What is the easiest cashback app to use for beginners?

Rakuten is the easiest starting point. The browser extension installs in under a minute, activates automatically on participating retailer sites, and pays out quarterly without any action required from you. The signup bonus of $30 after your first $30 purchase gives you an immediate, tangible return that confirms the platform works before you invest significant attention into it.


Final Verdict

Getting paid to shop online is the most underutilized financial habit available to anyone who buys things on the internet — which is virtually everyone. Unlike other online earning methods that require time, skill, or consistent active effort, cashback shopping is genuinely passive once set up. Install the extensions, link your grocery loyalty cards, and it runs quietly in the background of your normal spending.

The earnings are real and meaningful: a household spending $6,000 online annually recovers $180–$480 per year at conservative cashback rates, with no change to what they buy, where they buy it, or how much they spend. That’s money that would otherwise fund a retailer’s affiliate marketing budget rather than your own account.

The only mistake worth avoiding is treating cashback as a reason to spend more. The returns are excellent on money you were going to spend. They’re negative on money you spend to chase rewards.

Recommended starter path: Install the Rakuten browser extension right now — it takes under two minutes. Make your next online purchase through it. When the cashback appears in your account, you’ll have experienced the entire model firsthand. Add Ibotta for groceries and TopCashback for rate comparison on large purchases in week two. By the end of your first month, cashback will be running automatically on the majority of your online spending.

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