The Best Cash Back Sites in 2026

Cash back sites pay you a percentage of every purchase you make at participating stores. There are dozens of options, and most cashback bloggers are paid affiliates of one or two networks - so honest comparisons are rare. This guide cuts through the noise. We compare the biggest cash back sites by payout rates, payout speed, store selection, and minimum cashout - so you can pick the right one for how you actually shop.

Cash Back Sites at a Glance

Site	Rates	Min Payout	Payout Method	Payout Speed
StackWell - StackWell	1-30% back	$5	PayPal	3-5 days
Rakuten	1-15% back	$5	PayPal / Check	Quarterly
TopCashback	1-25% back	$0.01	PayPal / Bank	On request
BeFrugal	1-20% back	$10	PayPal / Check / Gift Cards	7 days
Swagbucks	1-10% back (as points)	$3 in points	Gift cards / PayPal	10-14 days
Capital One Shopping	1-10% (as credit)	$10	Gift cards	30 days

Detailed Reviews

StackWell

Rates: 1-30% back | Minimum payout: $5 | Payout via: PayPal

Pros: Majority of commission shared, no points system, $5 minimum cashout, no spam

Cons: Newer site (smaller community)

Rakuten

Rates: 1-15% back | Minimum payout: $5 | Payout via: PayPal / Check

Pros: Massive store selection, established brand

Cons: Quarterly payouts only - long wait, lots of email

TopCashback

Rates: 1-25% back | Minimum payout: $0.01 | Payout via: PayPal / Bank

Pros: Often highest published rates, no minimum

Cons: Tracking complaints common, slow support

BeFrugal

Rates: 1-20% back | Minimum payout: $10 | Payout via: PayPal / Check / Gift Cards

Pros: Good for groceries and travel

Cons: $10 minimum, smaller store selection

Swagbucks

Rates: 1-10% back (as points) | Minimum payout: $3 in points | Payout via: Gift cards / PayPal

Pros: Earn from surveys + shopping

Cons: Points system (not real cash), low rates

Capital One Shopping

Rates: 1-10% (as credit) | Minimum payout: $10 | Payout via: Gift cards

Pros: Free, browser extension

Cons: Gift cards only, owned by a credit card company