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Short answer: Use both. Rakuten is simple and pays quarterly with a $5.01 minimum; TopCashback lets you cash out anytime with no minimum to PayPal, Venmo or bank. Before each purchase, check which pays more for that store.
| Rakuten | TopCashback | |
|---|---|---|
| Payout schedule | Quarterly (Feb. 15, May 15, Aug. 15, Nov. 15) | On request once cash back is available |
| Minimum | $5.01 confirmed | None for PayPal, Venmo, ACH |
| Methods | Check, PayPal, Amex MR points, Bilt; gift cards in app | PayPal, Venmo, ACH, gift cards |
| Typical confirmation | 3 to 14 weeks (online and in-store) | 1 to 3 months on average |
| Referral bonus | See tracker | $50 per referral (October 2026; changes monthly) |
| Store rates | Vary by store and day; compare at purchase time | |
Which to choose
- Want points instead of cash? Rakuten can pay in Amex Membership Rewards points.
- Want money fast and often? TopCashback, with no minimum.
- Want the most? Join both and compare each time.
Frequently asked questions
Is Rakuten or TopCashback better?
Neither always pays more. Rakuten pays quarterly with a $5.01 minimum; TopCashback lets you cash out anytime with no minimum to PayPal, Venmo or bank. Compare both before you buy.
Can I use Rakuten and TopCashback on the same purchase?
Generally no. The last portal you click through to the store typically gets the credit, so pick one per purchase.
Sources
- Rakuten: When will I get paid? (checked Oct 29, 2026)
- TopCashback: minimum payment requirement (checked Oct 29, 2026)
- TopCashback: How to cash out (checked Oct 29, 2026)
- TopCashback: Getting started (checked Oct 29, 2026)