TopCashback
Worth it
Confidence: Medium
It's completely free and claims to pass 100% of retailer commission to members, so active online shoppers lose nothing by joining.
New check
Comparison
TopCashback vs Rakuten
TopCashback lands on Worth it, and Rakuten lands on Depends.
Rakuten
Depends
Confidence: Medium
Join if you shop online often and can shrug off occasional missed tracking . it's free and often pays.
| Compare | TopCashback | Rakuten |
|---|---|---|
| Verdict | Worth it | Depends |
| Best for | Frequent UK online shoppers | Frequent online shoppers at big chains |
| Who it's not for | Shoppers who won't click through every purchase | Anyone who needs cash back to reliably track . it often doesn't |
| Privacy | Long-running, legitimate site; two historical incidents documented, no recent breach in reviewed sources.⁹ | 2021 US breach notice on file; recent CVEs hit sibling products (Viber, Kobo, Send Anywhere), not the cash-back portal itself. |
| Support quality | Users report painful, slow customer service | Multiple complaints about disputes and slow resolution. |
| Public sentiment | Mostly positive . users call it legit and faster than Quidco . with recurring complaints about slow tracking and painful support.¹ | Longtime users report reliable payouts, but a loud minority complains about slow, missed, or disputed cash back. |
| Biggest gotcha | Cashback sits 'pending' for weeks; users say nearly every transaction drags⁴ | Cash back can take months to pay and sometimes never tracks; the top complaint across review sites.14 |
Pick TopCashback when
- Frequent UK online shoppers
- Deal hunters comparing Quidco or Rakuten
- Side-hustlers stacking cashback offers
- Anyone wanting a no-fee cashback account
When TopCashback is not a fit
- Shoppers who won't click through every purchase
- Anyone needing guaranteed or instant payouts
- Businesses seeking affiliate tooling . consumer-side only
- People who rarely shop online
Pick Rakuten when
- Frequent online shoppers at big chains
- Coupon stackers
- Patient savers okay with slow payouts
When Rakuten is not a fit
- Anyone who needs cash back to reliably track . it often doesn't
- Privacy-sensitive users wary of granting email access
- Buyers expecting instant rebates at checkout
- People unwilling to chase missing cash back with support
Sources
- TopCashback UK Trustpilot reviewstrustpilot.comreview
- TopCashback USA Trustpilot reviewstrustpilot.comreview
- Topcashback vs Quidco . Redditreddit.comreview
review
review
- TopCashback homepage . free FAQtopcashback.comofficial
- TopCashback Rakuten comparison . 100% commission claimtopcashback.comofficial
- TopCashback Chrome Web Store listing . 25M memberschromewebstore.google.comofficial
- Topcashback users logged into wrong accounts . MoneySavingExpertmoneysavingexpert.comsecurity
security
- Rakuten: Coupons, Promo Codes & Cash Backrakuten.comofficial
- Get 10% Cash Back, every day, with Rakuten+rakuten.comofficial
- Rakuten (USA) Reviews . Trustpilottrustpilot.comreview
- Rakuten.com Reviews & Complaints . ConsumerAffairsconsumeraffairs.comreview