📱 Best Platforms
Rakuten, Honey, TopCashback
📖 The Hustle
Every online purchase can earn cashback from three sources at once: a cashback portal (Rakuten 2-15%), a coupon code (Honey auto-applies them), and a rewards credit card (2-5%). Before buying anything online, check Rakuten and TopCashback for the highest portal rate, activate the offer, let Honey apply coupon codes at checkout, and pay with your best cashback card. This triple-stack turns a $100 purchase into $5-$20 back. Over a year of normal spending, that is $500-$1,500.
🚀 First Step
Install the Rakuten browser extension, create a TopCashback account, and install the Honey extension — all free and active in 10 minutes.
🔑 Keys to Success
- Check both Rakuten and TopCashback before every purchase — rates vary and one often offers 2-3x more than the other for the same store
- Time big purchases around portal rate boosts — Rakuten runs 8-15% cashback events at major retailers during holiday weekends
- Stack with a flat 2% cashback credit card like the Citi Double Cash so you earn portal cashback plus credit card rewards on every transaction
🛠 Tools & Resources: Rakuten, TopCashback, Honey, Citi Double Cash card, PayPal Honey