How to Save on Online shopping? An Incredibly Easy Method Revealed

What is the best cashback site in USA? Do you want to save 6%-8% of ALL your shopping at Amazon? Just think, how much did you spend with them last year? For each $1000 you could get $60-$80 back! I’ll get to it soon, keep reading.

Usually, I don’t like to focus on cutting the expenses as a major part of personal finances’ improvement. It’s a very limited way to manage your budget, as you can’t save more than you spend. Expanding the income is much more attractive and unlimited way. But there are some irresistible cases where the saving is so effortless and effective that I have to share it with you. It wouldn’t be fair to keep it for myself. I just have to tell you how to get money back from shopping online. This TopCashback site review will show you the way.

Why online shopping?

Let me tell you one personal secret. I’m not a typical woman – I hate to go out shopping!  I’d try to avoid it at any time. How can people ever find anything on these endless racks and messed up shelves full with unfolded clothes? How can you ever decide what coffee maker to buy without reading 233 reviews and checking the rating of each model?

I’d rather shop straight from my couch or even from my office desk when the boss is not looking. That’s how I do it sometimes, between meetings or during my lunch break. (Shhh, don’t tell on me).

What about you? Do you enjoy ONLINE shopping? I bet you do. This is how we like it in the 21st century. No need to drive to a mall, look for a parking spot (and pay for it?!), drag yourself from one store to another and carry the stuff with you.

In most cases, an online store will have more products, more available options, like sizes and colors. It’s easier to navigate and you don’t need to look for a nowhere-to-be-found sales person to get some information or advice. Most of the details would be on the page in front of your eyes, including many customer reviews to help you decide. And if you still have any questions, you can probably open an instant chat with a representative.

How to get a permanent discount?

Maybe you are not aware of it, but there is one serious additional bonus you can get for FREE when shopping online. How about getting a PERMANENT DISCOUNT for your favorite stores? On top of all the sales and coupons, you already have!

For example, just now:  Macy’s – 8%, Amazon – up to 8%, Neiman Marcus – 11%, GAP – 8% ,Stride Rite – 7%, Vitacost – up to 10%, The Children’s place -4%, Carters – 6% (updated as on 6/14/2018).

Chances are you like coupons and clip them from weekend papers, but here is a much easier way. Absolutely FREE! Only several clicks away. NO catch, NO credit card required. The method works for thousands of worldwide online retailers, both large and small.

It’s called TopCashback. The website was established in 2005 in the UK and launched in the US in 2011. The site already has more than 8 million members worldwide and it’s USA fastest growing cashback site! There are country specific TopCashback sites for India, China, Japan, and the UK as well.

In addition to already high cashback rates as mentioned above, there are special holiday sales for Black Friday, Labor Day and other holidays, when the rates can be much higher and sometimes even doubled!

Here is a small sample from November 6th, 2017:

Discount on Amazon – special trick!

Wouldn’t it be great to get a 6%-8% discount on ALL your shopping on Amazon? Officially, this rate is valid only for specific Amazon departments that change periodically. In reality, you get this discount almost on EVERYTHING you buy on Amazon using the button on TopCashback site. Just pick the department with the highest discount and go shopping for anything you need on this giant platform. You’ll see the cashback in your account soon.

TopCashback vs Ebates. Guess which site is a winner?

Maybe you already use another famous cashback site, Ebates. In this case, you already know how it works. But let’s do quick cashback sites comparison. Look how TopCashback easily beats Ebates:

Ebates vs TopCashback

Don’t get me wrong, Ebates is absolutely legitimate and a fairly good site. If you have patience, you can check both and pick what works best. If I had to choose only one, it would definitely be TopCashback.

How does it work?

Instead of going directly to the online store of your choice, you open the TopCashback website, type the name of the online store you want to shop and check what discount you are going to get. One more click and you continue as usual.

First of all, you need to open an account. Click here and follow the easy process:

sign in for topchashback

Once the sign up is complete, you can start shopping.

I’ll show you how, step by step, taking Macy’s as an example of an online retailer.

1. Start typing the online store name in the search box:

retailer search in topchashback

2. When you click on the magnifying glass, the store details will show up like this:

search results in topcashback3. Click on the red “Cashback” button. A pop-up window will notify you that your visit was registered and you will be redirected to Macy’s website. You can continue shopping as usual. All the process will take you maybe 5 seconds.

One additional TIP here: make sure your shopping cart at the online retailer website is empty before you open Topcashback site. If you have left items in the cart, you might not be eligible for the cashback. Keep your saved for later items on the wishlist.

4. If you make a purchase with Macy’s, you’ll get an email notification from TopCashback that your transaction was recorded.

5. It will take several weeks to process. Sounds too long? Maybe, but it’s set this way to accommodate the return period allowed by the retailer. Usually, you can return the products and get a refund during 30-90 days, depending on the merchant. In case of a return, your cashback will be adjusted accordingly.

6.Status of transactions

First, your transaction will appear in “Pending” status. Once the retailer verifies it, the status becomes “Confirmed”. After 6-8 weeks it will change to “Payable”. You can easily see the status of each transaction under the “Earnings” tab of your account.

my earnings in topcashback

7. Depending on your shopping habits, your cashback account can quickly accumulate nice amounts. If you are patient, wait till December and get your Holiday gifts covered. Isn’t it a great idea?

my total earnings8. Payment options.

You can request a payout anytime, with no minimum requirement. There are several easy and convenient payout options. You can choose from direct deposit to your US account, Amazon gift card with 1% bonus, transfer to your PayPal account, prepaid American Express card or other gift card options.

payment options 1

payment options 2

9. If something doesn’t work as expected, you can always open a ticket with the Customer Support Team.

To be honest, I’ve seen several reviews mentioning that the Customer Support at TopCashback is not responsive and can’t help customers when their transaction is lost. Personally, I had to use them several times and they were always super professional and friendly.

As I have already pointed before, to avoid missed transactions, don’t forget that your cart should be empty before you open the TopCashback site. Don’t leave merchants store open in other browser windows, so you can’t be confused and complete the purchase in the wrong window. In addition, be careful using coupons from other sites or gift cards in the same transaction initiated in Topcashback.

customer support

10. Best Cashback rate is guaranteed. If you ever find a better rate on any other site, just submit a claim and Topcashback will beat it!

You’ll have to be able to submit the proof to Customer Support within 7 days from your transaction.

Tip: when you see very high cashback rates, take a screenshot and save it. You might need it as a proof.

11. Tell a Friend.

And now the last sweet bonus: share the love! If you refer your friends to TopCashback, you’ll get a bonus of $10 for each new member that uses the site and accumulates at least $10 in their account. Win-win for both!

bring a friend to topcashback



$$MoCash For You Rating: 9 out of 10.

Pros: Best cashback rates guaranteed.

Cons: Some customers report missing transactions and poor customer support.

Minimum cashout: any amount.

Click to join Topcashback

More tips for effective online shopping:

#1 – Consider Amazon Prime. Read here how to decide if it’s worth for you and how to get a discount on the membership price.

#2 – Use Paribus to get price drop protection and compensations for late delivery. Here is the full Paribus review with all the details.

I’d like to hear from you! What are your favorite online stores?  How much can YOU save this year?


Yours truly,




Hope you find this post valuable. Please feel free to share.

If you enjoyed the post, please like it, share and follow me (greatly appreciated!):


My name is Mary and I'm the owner of MoCash For You.

21 thoughts on “How to Save on Online shopping? An Incredibly Easy Method Revealed

  • December 14, 2018 at 8:08 pm

    Thank you so much! I’m going to sign up right now because, like you, I would much rather shop online (usually from the couch in my PJs with a cat – or two – on my lap).

    • December 14, 2018 at 9:01 pm

      Hi Dawn,
      I’m glad to help! I’m sure you will find what to buy with your refunds.

  • November 5, 2018 at 10:53 pm

    Hi, Mary. Great post.  Great topic and even though I don’t personally use a cash back program I really like the idea behind them.  It’s a great way to save a little extra and this particular one seems to be pretty good or better than some others.

    The problem is, it’s available in all those other countries and the US but it doesn’t seem to be available in Canada where I live.  Is it available in Canada and if not is it going to be?

    Another question.  Is this an app that you down and is it free or a paid app?

    I think it’s also great the they have so many ways the cash back can be paid out and your last bonus is pretty sweet to.  

    All the best and I will be awaiting you answer.


    • November 6, 2018 at 8:43 am

      Hi Wayne,
      Yes, TopCashback works in Canada, at least for some of the retailers. For example, if you type Macy’s in the search window, you’ll get the choice between Macy’s and Macy’s Canada. So just sign up and try. You’ll get a $10 bonus till Nov 12th, just for signing up.

  • November 5, 2018 at 10:36 pm

    I’ve been fairly fond of Ebates, but this Top CashBack programs looks like it is a bit more lucrative, and I can see why you would recommend it for people who like to shop online.  If you can save and get referral fees, why not, right?  I went ahead and signed up under your link!  Can’t wait to promote and earn.  Thanks so much!

  • November 5, 2018 at 10:25 pm

    This sounds fascinating…

    I also hate shopping in stores. If I could spend my whole life buying everything online I would be a happy man.

    Saving money sounds amazing!

    I live in Asia (Philippines and Thailand) can I use TopCashBack there too?

    I really hope so as it sounds an amazing program.

    Look forward to your reply.


    • November 5, 2018 at 10:43 pm

      Hi Tim,
      TopCashback is really great in saving you money!
      It’s available in some Asian countries, like Japan, China, and India. Not sure about Philippines and Thailand at this point.

  • November 5, 2018 at 10:21 pm

    As a person who has made money off Ebates this really intrigues me.  There was a time when I was making a few hundred a month just from promoting Ebates.  My question to you is do I get 10 bucks every time I get someone to sign up.  I cant wait for your answer.

    • November 5, 2018 at 10:37 pm

      Hi Dale,
      Yes, you’ll get about $10-$15 for each referral, once that person reaches $10 cash back. It may take some time.
      But first of all – on your own purchases you will make much more money than with Ebates. It’s great timing now, before the holiday shopping.
      And there is an additional perk for you just now – till Nov 12th, 2018 you get $10 sign up bonus!
      Are you still waiting? Go ahead!

  • October 5, 2018 at 1:37 pm

    Mary, this was a very informative article! I am not able to get out and shop near as much as i used to, and if i can earn cash back shopping online, great!! Thanks for the advice!


    • October 5, 2018 at 9:26 pm

      Hi Darci,
      As I said in the post – I hate shopping. I wouldn’t get out shopping at all, if possible.
      Getting cash back just makes online shopping to feel even better
      Don’t leave money on the table.

  • October 5, 2018 at 4:23 am

    Hey Mary, this is a great money saving tip, I think I’ve heard of TopCashback but I haven’t taken any notice until reading your review – we’re all interested in saving a few bucks.
    I always find an excuse not to go shopping, I prefer to purchase online due to convenience. If I can simply join and purchase products affiliated through the TopCashback website and make 4-10% savings, it makes so much sense.
    I’m glad the program supports Paypal as I am a member, great news.
    Thanks for your savings tip,

    • October 5, 2018 at 7:46 am

      Hi Simon,
      I’m happy you find TopCashback useful. It saved me hundreds of dollars already.
      Easy to use and easy to cash out.
      Happy savings

  • October 4, 2018 at 10:46 pm

    Thank you Mary for this money saving tip. I’m always looking for a way to save some money, but not be cheap at the same time. I honestly do shop on-line, but not as much as most. This is an incentive I think to do a little more on-line shopping with some of the regular things that we do use often. That would kinda like putting spare change in a jar. Thanks very much appreciated

    • October 4, 2018 at 11:09 pm

      Hi Donald,
      This website actually can easily add up to hundreds of dollars per year, depends on your shopping habits, of course.
      It’s more than a change in my kid’s piggy bank.
      Hope you’ll enjoy it as I do.
      Happy savings!

  • October 3, 2018 at 4:51 pm

    Hi Mary,

    I’m actually a horrible shopper whether I’m doing it online or in person. I never clip coupons and don’t pay attention to deals so thank you for this information. I’m slowly learning to become a smarter shopper.

    • October 4, 2018 at 9:50 pm

      Hi Kristi,
      It’s never late to learn how to save with coupons. Actually, it’s much easier with digital coupons and apps. I’m sure you can master it in a very short time
      Happy savings!

  • October 2, 2018 at 8:17 pm

    Thanks for the informative article on saving money. I’ve always used a credit card with cash back bonus . I haven’t heard of Topcashback but I will look into it soon. I always like to save money every chance I get.

    • October 2, 2018 at 9:56 pm

      Hi Steven,
      Credit card with cash back bonus is great. The best thing is that you can use both – buy through TopCashback and pay with your card. Win-win!
      Happy savings!

  • July 7, 2018 at 10:32 pm

    Hi Mary, great review! I haven`t heard about Topcashback not until now. It`s good to know too that compared to Ebates, cash back is guaranteed.. and it has more stores! Thanks for sharing this post:)

    • July 7, 2018 at 11:00 pm

      Hi Hanna,
      Thank you for stopping by. I hope you’ll make a good use of this site.


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