Instacart Cashback: Every Portal's Rate, Compared

Instacart cashback FAQ

Which portal pays the most for Instacart cashback right now?

Fluz, at 8%. 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 Instacart 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 Instacart, which mostly tracks Instacart's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying Instacart's gift card through a portal skips the first wait: that cashback is paid when the card is bought.

• Fluz: Instant. The cashback lands in the Fluz balance when the gift card is bought. Payout: On request; 2 to 7 business days. Fluz charges no fee, but passes on any transfer fee it's charged.
• Active Junky: 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. Payout: On the 20th of each month, or the next business day when the 20th falls on a weekend or holiday.
• Price.com: Typically 30 to 90 days: pending until the retailer confirms the purchase and its return period ends. Payout: On request, once the cash back is approved.
• ShopBack: Pending within 48 hours of checkout, then Confirmed once the partner store's claim time has been fulfilled: usually a few weeks for retail, after trip completion for travel. Payout: On request. Typically processed within 10 calendar days (up to 30 in some cases), with a $300 daily withdrawal limit.
• Raise: Posted to the Raise account when the gift card is bought, and rescinded if that purchase is refunded or cancelled for any reason. Payout: Posted on each gift-card purchase. Raise Cash expires 180 days after the day it was earned.
• Rakuten: 3 to 14 weeks for online and in-store purchases; 45 to 120 days for travel. Payout: Every three months: February 15, May 15, August 15 and November 15.
• GoCashBack: It can take up to 120 days for cash back to become available. Payout: On request. A payment request is processed within 7 to 14 business days.
• BeFrugal: 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. Payout: On request. Most payouts are sent on the next business day after the request.
• CouponFollow: Pending for up to 60 days, to ensure a purchase isn't returned or refunded. Payout: Monthly: paid on the 25th to the linked PayPal account, arriving by month end; rewards earned on or after the 25th roll to the next month.
• Extrabux: 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. Payout: On request. Requests are processed within 3 business days; PayPal and eGift cards typically land within 24 to 48 hours after that, ACH takes about 5 business days, and a check 1 to 2 weeks by post.
• Mr. 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. Payout: On request, once $10 in Available Rebates has accrued.
• RebatesMe: Cash back becomes available after the 90-day return window.
• RetailMeNot: In about 45 days the cash back lands in the RetailMeNot account as redeemable. Payout: On request, once the cash back is approved in the account.
• TopCashback: 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. Payout: On request, once the cash back is payable. Adding bank, PayPal or Venmo details puts a 72-hour hold on the account first.

Is there a minimum payout?

• Fluz: $15 in lifetime earnings once, then $1 per withdrawal.
• Active Junky: None stated for the monthly payout. Cashing out early as a gift card takes $5.01 in approved cash back.
• Price.com: $10 per withdrawal, with a $500 cap per withdrawal and per day.
• ShopBack: $5 of Confirmed Cashback on ShopBack's payment-methods and clear-time guides; its withdraw how-to says $10.
• Raise: None to redeem; Raise applies it at your next checkout. Gift cards must be bought for at least $5, and with more than $1,000 in Raise Cash on hand you have to redeem some before earning more.
• Rakuten: $5.01 in confirmed cash back before the payment date; $5.00 or less carries over to the next one.
• GoCashBack: $10 in withdrawable cash back, not counting sign-up, referral or activity bonuses for the first withdrawal.
• BeFrugal: $0.01 for PayPal or direct deposit; $25 for a check.
• CouponFollow: An Available Balance of at least $10.
• Extrabux: $10 available balance, with at least one confirmed purchase carrying more than $1 in available cash back.
• Mr. Rebates: $10 in Available Rebates.
• RebatesMe: $10 in available cash back, not counting bonuses.
• RetailMeNot: A minimum approved balance of $5.01 is required for a redemption.
• TopCashback: None for PayPal, Venmo or bank transfer; some gift cards have one.