Comparing BeFrugal and TopCashback to help you choose the best cash back platform for your shopping needs.
Introduction: Choosing the Right Cash Back Platform
If you’re like me, always on the hunt for ways to save a buck while shopping, you’ve probably stumbled upon cash back platforms like BeFrugal and TopCashback. But which one truly gives you the best bang for your buck? Let’s dive into a friendly comparison to help you decide.
For a deep look at other platforms, see our curated list of the best cash back shopping apps here.
Key Takeaways
- BeFrugal offers an exclusive $30 sign-up bonus fur our readers and a 125% cash back rate guarantee.
- TopCashback boasts a larger retailer network and higher cash back rates for certain stores and also offers our readers an exclusive $25 welcome bonus.
- Both platforms provide browser extensions to simplify the cash back process.
Features Overview
Both BeFrugal and TopCashback aim to put some money back in your pocket, but they have their unique perks.
BeFrugal
- Sign-Up Bonus: New users get a $30 bonus upon joining. They normally offer a $10 welcome bonus but if you use our link, you will earn 3x as much. Use the link below.
- Cash Back Guarantee: If you find a higher cash back rate elsewhere, BeFrugal matches it at 125%.
- Payment Options: Offers payouts via PayPal, check, direct deposit, Venmo, Zelle, or gift cards.
- Coupons: Provides online and printable coupons for over 50,000 stores.
TopCashback
- Retailer Network: Partners with over 4,000 retailers, including big names like Amazon and Walmart.
- High Cash Back Rates: Often offers higher rates compared to competitors.
- Payment Options: Payouts through PayPal, direct deposit, or gift cards.
- Browser Extension: Alerts you to cash back opportunities while shopping online.
Read our review of TopCashback
Cash Back Rates Comparison
Cash back rates can vary based on the retailer and current promotions. Here’s a snapshot of how both platforms compare for popular stores:
| Retailer | BeFrugal | TopCashback |
|---|---|---|
| Best Buy | Up to 5.5% | 2% |
| Home Depot | Up to 12% | Up to 12.12% |
| Walmart | Up to 15% | Up to 3% |
Note: Rates are subject to change and may vary by category within each retailer.
Personal Experience Using BeFrugal and TopCashback
I remember when I first started exploring cashback sites; I was hesitant. I’d always been a fan of saving money, but the idea of earning money back on purchases I was already making? It felt too good to be true. After doing some research on platforms like Reddit, I decided to give it a shot. That’s when I discovered BeFrugal and TopCashback.
Early Days of Cashback Hunting
Initially, I signed up for both platforms to test the waters. My first experience with BeFrugal was straightforward. They had a $10 sign-up bonus, which felt like a small win right out of the gate. But remember, as a reader of MoneysMyLife, you can get a $30 bonus, which is so much more than what I got from a friend’s referral. I made a purchase for some electronics, earning $15 cashback on a $300 purchase. The payout was quick—just two days via PayPal—which boosted my confidence in using the platform.
TopCashback, on the other hand, had a broader retailer network. I was planning a vacation and stumbled upon an 8% cashback offer for a hotel booking through their site. That cashback translated to $48 for a $600 stay! It felt like free money, and I was hooked. However, I noticed their payout took a bit longer but that wasn’t a big deal for me.
Lessons Learned Along the Way
One of the biggest lessons I learned was the importance of comparing rates. Both BeFrugal and TopCashback have their strengths, but not all retailers offer the same cashback rates across platforms. For instance, BeFrugal had a better offer for Walmart, but TopCashback consistently outperformed for travel-related purchases.
Another critical discovery was verifying cashback eligibility. Once, I bought an item on Amazon (find the best Amazon deals and coupons here) through TopCashback but didn’t read the fine print. Turns out, cashback wasn’t available for that product category. Since then, I’ve made it a habit to double-check conditions before making any purchases.
Maximizing Savings with Both Platforms
Over time, I realized the best strategy was to use both platforms strategically. BeFrugal became my go-to for everyday items like groceries and electronics, thanks to their 125% cash back guarantee. Meanwhile, I relied on TopCashback for bigger purchases like travel bookings, where their higher rates made a noticeable difference.
A Pro Tip for Fellow Shoppers
Before making any purchase, I always check aggregator tools like Cashbackholic or Cashback Monitor. These sites compare rates across cashback platforms, ensuring I get the maximum return. It’s like having a personal savings assistant, and it’s helped me earn over $300 in cashback this year alone!
Why I Stick with Cashback Platforms
What started as an experiment to save a few dollars has turned into a regular habit. The thrill of earning cashback is addictive, and it’s rewarding to see the savings accumulate. Plus, with seamless payout options like PayPal, Venmo, and even gift cards, it’s incredibly easy to use. Whether you’re just starting out or looking to optimize your savings, BeFrugal and TopCashback are platforms worth exploring.
I also use Rakuten and RebatesMe. To be honest, there’s no reason why you can’t use all of them and see which offers the best cash back for a particular purchase.
Our Take
Both BeFrugal and TopCashback have their strengths but mostly offer the same great benefits. Personally, I like to keep accounts with both and compare rates before making a purchase. It takes a bit more time, but the extra savings make it worthwhile!
Dive deeper with our Guide to Integrating Cash Back Shopping Apps Into Your Financial Strategy.
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