FTD Cashback: Every Portal's Rate, Compared

The best FTD cashback we found is 15% at Rakuten, read from Rakuten's own FTD page.

FTD cash back rates by portal

Every rate below was read from that portal's own FTD page, and every row shows when we last looked. Where a rate has a catch, the catch is printed next to the number rather than underneath it.

PortalRateLast checked
Rakuten
15%source
BeFrugal
10%source
TopCashback
10%source
RebatesMe
5%source
Active Junky
4%source
Sunshine Rewards
3%source
Fluz
1.5%Fluz's general virtual card, available at most merchants. Not a rate negotiated for this store specifically.source
Mr. Rebates
3%from the portal's store listRead from the portal's store list, not the merchant page. The first visit to this page reads the page itself.source
Extrabux
Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source
Price.com
Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source
RetailMeNot
Rate not publishedfrom the portal's store listThis portal names the merchant in its store list without a rate. That is different from paying nothing. The first visit to this page reads the page itself.source
GoCashBack
Not carriedThis portal does not cover this merchant.
Lolli
Not carriedThis portal does not cover this merchant.
Raise
Not carriedThis portal does not cover this merchant.
ShopBack
Not carriedThis portal does not cover this merchant.

Rates move without notice, so treat anything more than a couple of days old as worth re-checking at the portal before you shop.

How to get FTD cashback, step by step

  1. Open Rakuten's FTD page and click through to FTD from there. That click is what ties the order to your account, so start every FTD order this way rather than from a bookmark or a search result. The rate as we last read it was 15%.
  2. Shop in that same tab and session. Don't leave for a coupon site and come back, and turn off any other cashback or coupon extension before you check out: the last click before the order is the one that gets credited, and another extension's click can take it.
  3. Check out in one go, using only codes Rakuten itself shows for FTD. A code from somewhere else can void the cashback on many stores.
  4. Wait for it to confirm. 3 to 14 weeks for online and in-store purchases; 45 to 120 days for travel. Returning part of the order, or cancelling it, changes what gets paid.
  5. Get paid. Rakuten pays by: Big Fat Check by mail, PayPal, American Express Membership Rewards points, or Bilt. A confirmed balance of $5.00 or more can also be redeemed as a gift card within minutes. Minimum: $5.01 in confirmed cash back before the payment date; $5.00 or less carries over to the next one. Timing: Every three months: February 15, May 15, August 15 and November 15.

Getting paid, portal by portal

Each portal's own help pages, as written there. The source link on each row goes to the page it came from. These are the portal's terms, not FTD's.

PortalPaid byMinimumConfirmation window
RakutensourceBig Fat Check by mail, PayPal, American Express Membership Rewards points, or Bilt. A confirmed balance of $5.00 or more can also be redeemed as a gift card within minutes.$5.01 in confirmed cash back before the payment date; $5.00 or less carries over to the next one.3 to 14 weeks for online and in-store purchases; 45 to 120 days for travel.
BeFrugalsourceCheck, PayPal, direct deposit, Venmo, Zelle or an eGift card. Check and direct deposit are US only.$0.01 for PayPal or direct deposit; $25 for a check.Verified cash back sits in the account for 30 to 90 days, set by the retailer's return policy and its payment cycle with BeFrugal. Store pages say cash back is typically available for payment 15 to 60 days after purchase.
TopCashbacksourceBank transfer, Venmo, PayPal, gift cards, a Virtual Visa Prepaid Card or an American Express Virtual Reward Card.None for PayPal, Venmo or bank transfer; some gift cards have one.No fixed window. Cash back goes pending, then confirmed once the retailer reviews the order, then payable once the retailer's network is invoiced. TopCashback prints an estimated payout speed on each merchant's page.
RebatesMesourcePayPal, credit card, Alipay, check or gift cards.$10 in available cash back, not counting bonuses.Cash back becomes available after the 90-day return window.
Active JunkysourceCheck, PayPal, Venmo or a credit/debit card. Approved cash back can also be cashed out early as a gift card.None stated for the monthly payout. Cashing out early as a gift card takes $5.01 in approved cash back.Orders stay pending until the partner store approves them. For travel and events, partners typically approve within about 3 months after the trip or event.
Sunshine RewardssourcePayPal, or gift cards from time to time through the Redemption Center.20.00 in credits, and the account has to be at least 45 days old. Cashouts are capped at $500 a month.Earnings should post within 10 days. Sale credits are then held: 28 days per the help page, 21 days from the date of purchase per the terms page.
FluzsourceBank transfer (ACH), PayPal or Venmo, or spent in the app on more gift cards. Without a US bank account, PayPal or Venmo.$15 in lifetime earnings once, then $1 per withdrawal.Instant. The cashback lands in the Fluz balance when the gift card is bought.
Mr. RebatessourceA rebate check by mail, or payment via PayPal, Venmo or an Amazon gift card.$10 in Available Rebates.Rebates post to Pending within 1 to 3 business days of the order or ship date, then stay Pending for 90 days from the posting date before moving to Available.
ExtrabuxsourcePayPal, eGift cards, ACH bank deposit (US only), check (US only), or a donation to a charity.$10 available balance, with at least one confirmed purchase carrying more than $1 in available cash back.Usually tracked within 1 to 7 days of purchase, then held through a 90-day window for returns or cancellations at most stores before it becomes available.
Price.comsourceDebit card deposit, PayPal, Venmo, Zelle, gift cards, a donation to charity, or crypto.$10 per withdrawal, with a $500 cap per withdrawal and per day.Typically 30 to 90 days: pending until the retailer confirms the purchase and its return period ends.
RetailMeNotsourcePayPal or Venmo, from the RetailMeNot account.A minimum approved balance of $5.01 is required for a redemption.In about 45 days the cash back lands in the RetailMeNot account as redeemable.

FTD cashback rate history

Only changes are listed. Re-confirmations are not noise worth showing.

  1. ShopBackmerchant dropped by this portal
  2. Raisemerchant dropped by this portal
  3. Rakuten15%
  4. Lollimerchant dropped by this portal
  5. GoCashBackmerchant dropped by this portal
  6. Active Junky4%
  7. Sunshine Rewards3%
  8. Extrabuxrate no longer published
  9. RebatesMe5%
  10. BeFrugal10%
  11. Fluz1.5%
  12. Price.comrate no longer published
  13. TopCashback10%
  14. RetailMeNotrate no longer published
  15. Mr. Rebates3%
  16. Sunshine Rewards3%
  17. Extrabuxrate no longer published

How these FTD numbers were produced

FTD cashback FAQ

Which portal pays the most for FTD cashback right now?

Rakuten, at 15%. That's the rate a returning shopper gets, which is how the table ranks: an "up to" ceiling or a new-customer rate never takes this spot over a lower rate everyone gets.

How long does FTD cashback take to pay out?

On a click-through portal there are two waits, one after the other: the portal has to confirm the order with FTD, which mostly tracks FTD's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying FTD's gift card through a portal skips the first wait: that cashback is paid when the card is bought.

Is there a minimum payout?