Microsoft Cashback: Every Portal's Rate, Compared
The best Microsoft cashback we found is 1.5% at Fluz, read from Fluz's own Microsoft page. Fluz's general virtual card, available at most merchants. Not a rate negotiated for this store specifically.
Microsoft cash back rates by portal
Every rate below was read from that portal's own Microsoft 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.
| Portal | Rate | Last checked |
|---|---|---|
| Fluz | 1.5%Fluz's general virtual card, available at most merchants. Not a rate negotiated for this store specifically.source | |
| Price.com | No cash backPrice.com lists coupons and deals for this merchant but pays no cash back on purchases.source | |
| RebatesMe | No cash backRebatesMe lists coupon codes for this merchant but pays no cash back on purchases.source | |
| MaxRebates | Up to 5%A maximum, not a standing rate. MaxRebates pays the top rate only on some categories, and the everyday rate is usually lower.source | |
| BeFrugal | Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source | |
| CouponFollow | Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.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 | |
| MyPoints | 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 publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source | |
| TopCashback | 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 | |
| Active Junky | Not carriedThis portal does not cover this merchant. | |
| chirpyest | Not carriedThis portal does not cover this merchant. | |
| GoCashBack | Not carriedThis portal does not cover this merchant. | |
| Hoopla Doopla | Not carriedThis portal does not cover this merchant. | |
| Lolli | Not carriedThis portal does not cover this merchant. | |
| Mr. Rebates | Not carriedThis portal does not cover this merchant. | |
| Raise | Not carriedThis portal does not cover this merchant. | |
| Rakuten | Not carriedThis portal does not cover this merchant. | |
| ShopBack | Not carriedThis portal does not cover this merchant. | |
| Sunshine Rewards | 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 Microsoft cashback, step by step
- Open Fluz's Microsoft page and buy a gift card for the amount of your Microsoft order. The rate as we last read it was 1.5%. Instant. The cashback lands in the Fluz balance when the gift card is bought.
- Pay for your Microsoft order with that gift card, the same way you'd use any Microsoft gift card.
- Buy only what you'll spend. The cashback is paid when you buy the card, and a card balance you never use is money parked at Microsoft, not savings.
- Get paid. Fluz pays by: Bank transfer (ACH), PayPal or Venmo, or spent in the app on more gift cards. Without a US bank account, PayPal or Venmo. Minimum: $15 in lifetime earnings once, then $1 per withdrawal. Timing: On request; 2 to 7 business days. Fluz charges no fee, but passes on any transfer fee it's charged.
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 Microsoft's.
| Portal | Paid by | Minimum | Confirmation window |
|---|---|---|---|
| Fluzsource | Bank 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. |
| Price.comsource | Debit 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. |
| RebatesMesource | PayPal, 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. |
| MaxRebatessource | Check or PayPal, in US dollars, and sometimes other options such as a donation to charity. | $10.00 per payment, with a $2,000.00 maximum. | Pending for 90 days to cover store return policies, cancellations and commission collection; it often takes up to 90 days for cash back to become payable, depending on the product and the merchant. |
| BeFrugalsource | Check, 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. |
| CouponFollowsource | PayPal; a valid US PayPal account has to be connected to CouponFollow. | An Available Balance of at least $10. | Pending for up to 60 days, to ensure a purchase isn't returned or refunded. |
| Extrabuxsource | PayPal, 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. |
| MyPointssource | Points, redeemed for gift cards, travel miles or cash via PayPal. | At least 480 available Points to redeem (MyPoints blog, 2019). | Not verified yet |
| RetailMeNotsource | PayPal 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. |
| TopCashbacksource | Bank 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. |
Microsoft cashback rate history
Only changes are listed. Re-confirmations are not noise worth showing.
- TopCashbackrate no longer published
- Price.comNo cash back
- TopCashbackmerchant dropped by this portal
- RetailMeNotrate no longer published
- MaxRebatesUp to 5%
- MyPointsrate no longer published
- TopCashbackrate no longer published
- chirpyestmerchant dropped by this portal
- Hoopla Dooplamerchant dropped by this portal
- Mr. Rebatesmerchant dropped by this portal
- RebatesMeNo cash back
- Rakutenmerchant dropped by this portal
- CouponFollowrate no longer published
- ShopBackmerchant dropped by this portal
- Raisemerchant dropped by this portal
- BeFrugalrate no longer published
- Fluz1.5%
- Price.comrate no longer published
- TopCashbackmerchant dropped by this portal
- Lollimerchant dropped by this portal
- GoCashBackmerchant dropped by this portal
- Active Junkymerchant dropped by this portal
- Sunshine Rewardsmerchant dropped by this portal
- Extrabuxrate no longer published
- RetailMeNotrate no longer published
How these Microsoft numbers were produced
- Read directly from each portal's own merchant page, never copied from another comparison site.
- A rate we could not read is reported as unread. It is never converted into a zero, and a failed check never overwrites a previously good number.
- "Up to" and new-customer-only rates are labelled as such and are not allowed to win the top spot over a lower rate that everyone actually gets.
Microsoft cashback FAQ
Which portal pays the most for Microsoft cashback right now?
Fluz, at 1.5%. 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 Microsoft 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 Microsoft, which mostly tracks Microsoft's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying Microsoft'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.
- 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.
- RebatesMe: Cash back becomes available after the 90-day return window.
- MaxRebates: Pending for 90 days to cover store return policies, cancellations and commission collection; it often takes up to 90 days for cash back to become payable, depending on the product and the merchant. Payout: On request, once the cash back is payable. A PayPal payout should arrive 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.
- MyPoints: No confirmation window we have verified. Payout: On redemption. Some rewards are delivered immediately; others may take up to 10 business days to process.
- 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.
- Price.com: $10 per withdrawal, with a $500 cap per withdrawal and per day.
- RebatesMe: $10 in available cash back, not counting bonuses.
- MaxRebates: $10.00 per payment, with a $2,000.00 maximum.
- 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.
- MyPoints: At least 480 available Points to redeem (MyPoints blog, 2019).
- 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.