MSi Cashback: Every Portal's Rate, Compared

The best MSi cashback we found is 2% at Rakuten, read from Rakuten's own MSi page.

MSi cash back rates by portal

Every rate below was read from that portal's own MSi 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
2%source
TopCashback
2%source
Extrabux
1.6%source
Fluz
1.5%Fluz's general virtual card, available at most merchants. Not a rate negotiated for this store specifically.source
GoCashBack
1%source
ShopBack
1%source
Price.com
No cash backPrice.com lists coupons and deals for this merchant but pays no cash back on purchases.source
chirpyest
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
Hoopla Doopla
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
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
Active Junky
Not carriedThis portal does not cover this merchant.
BeFrugal
Not carriedThis portal does not cover this merchant.
CouponFollow
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.
RebatesMe
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 MSi cashback, step by step

  1. Open Rakuten's MSi page and click through to MSi from there. That click is what ties the order to your account, so start every MSi order this way rather than from a bookmark or a search result. The rate as we last read it was 2%.
  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 MSi. 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 MSi'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.
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.
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.
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.
GoCashBacksourcePayPal, check, gift card (US only) or Helipay.$10 in withdrawable cash back, not counting sign-up, referral or activity bonuses for the first withdrawal.It can take up to 120 days for cash back to become available.
ShopBacksourcePayPal or a US bank account via ACH, once the balance clears the minimum.$5 of Confirmed Cashback on ShopBack's payment-methods and clear-time guides; its withdraw how-to says $10.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.
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.
chirpyestsourceUS dollars via PayPal or Venmo.$5.00; balances below $5.00 remain in the account for the next payment period.Not available until the retailer's return period has elapsed, up to 180 days or longer from purchase.
Hoopla DooplasourceCheck, Venmo or PayPal.$5.00 in approved cash back per period, for PayPal, Venmo and paper checks alike. A balance under that carries over to the next period.Usually posts within 10 days of purchase, then becomes yours after 90 days.
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.

MSi cashback rate history

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

  1. Rakuten2%
  2. CouponFollowmerchant dropped by this portal
  3. ShopBack1%
  4. Raisemerchant dropped by this portal
  5. BeFrugalmerchant dropped by this portal
  6. Fluz1.5%
  7. Price.comNo cash back
  8. TopCashback2%
  9. Lollimerchant dropped by this portal
  10. GoCashBack1%
  11. Active Junkymerchant dropped by this portal
  12. Sunshine Rewardsmerchant dropped by this portal
  13. Extrabux1.6%
  14. RebatesMemerchant dropped by this portal
  15. RetailMeNotrate no longer published
  16. chirpyestrate no longer published
  17. ShopBackrate no longer published
  18. Fluzrate no longer published
  19. TopCashbackrate no longer published
  20. GoCashBackrate no longer published
  21. Hoopla Dooplarate no longer published
  22. Extrabuxrate no longer published

How these MSi numbers were produced

MSi cashback FAQ

Which portal pays the most for MSi cashback right now?

Rakuten, at 2%, tied with TopCashback at the same rate. 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 MSi 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 MSi, which mostly tracks MSi's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying MSi's gift card through a portal skips the first wait: that cashback is paid when the card is bought.

Is there a minimum payout?