Cash back comparison
We compared rates across the stores we track, plus how each platform actually pays you - minimums, methods, and speed. Here's how they stack up.
Store rate comparison based on Savvli's tracked catalog. Payout terms verified independently - see sources below.
Sorted by whichever platform's rate is higher. Rates change frequently on both platforms - always check the live rate before you buy.
| Store | Rakuten | TopCashback | Higher rate |
|---|
Rate isn't the whole story - minimums and payout speed matter just as much if you want to actually see the money.
Based on which platform has the higher average rate across the stores we track in each category.
It depends what you value. Rakuten had the higher rate on more of the stores we track, but TopCashback has no minimum payout and pays out on demand rather than quarterly - so if you want your money faster or in smaller amounts, TopCashback often wins even on a lower rate.
Sometimes - it depends on the store. TopCashback passes through 100% of the commission it earns from retailers, which is why it occasionally beats Rakuten even though Rakuten had the higher rate more often in our comparison. Always check both before a specific purchase.
TopCashback - there's no minimum at all. Rakuten requires $5.01 in confirmed earnings before it pays out, and only pays quarterly.
No - cash back is tracked by whichever platform's link you clicked through last before checkout, so using both on the same purchase doesn't stack. Pick whichever has the better rate for that specific store.
Skip comparing one pair at a time - search a store on Savvli and see every rate we track, ranked.
Search a store → See all comparisons →Rate comparison reflects Savvli's tracked catalog and may not include every store or current promotion. Payout terms sourced from Rakuten's and TopCashback's published help documentation as of 2026 and may change - confirm current terms on each platform before relying on them.