Nectar Cashback: Every Portal's Rate, Compared
The best Nectar cashback we found is 5% at Rakuten, read from Rakuten's own Nectar page.
Nectar cash back rates by portal
Every rate below was read from that portal's own Nectar 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 |
|---|---|---|
| Rakuten | 5%source | |
| Fluz | 1.5%Fluz's general virtual card, available at most merchants. Not a rate negotiated for this store specifically.source | |
| TopCashback | ||
| 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 | |
| Active Junky | Not carriedThis portal does not cover this merchant. | |
| BeFrugal | Not carriedThis portal does not cover this merchant. | |
| chirpyest | Not carriedThis portal does not cover this merchant. | |
| CouponFollow | Not carriedThis portal does not cover this merchant. | |
| Extrabux | 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. | |
| MaxRebates | Not carriedThis portal does not cover this merchant. | |
| Mr. Rebates | Not carriedThis portal does not cover this merchant. | |
| MyPoints | 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. | |
| RetailMeNot | 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 Nectar cashback, step by step
- Open Rakuten's Nectar page and click through to Nectar from there. That click is what ties the order to your account, so start every Nectar order this way rather than from a bookmark or a search result. The rate as we last read it was 5%.
- 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.
- Check out in one go, using only codes Rakuten itself shows for Nectar. A code from somewhere else can void the cashback on many stores.
- 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.
- 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 Nectar's.
| Portal | Paid by | Minimum | Confirmation window |
|---|---|---|---|
| Rakutensource | 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. | $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. |
| 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. |
| 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. |
| 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. |
Nectar cashback rate history
Only changes are listed. Re-confirmations are not noise worth showing.
- Price.comrate no longer published
- Price.comNo cash back
- Price.comrate no longer published
- CouponFollowmerchant dropped by this portal
- Extrabuxmerchant dropped by this portal
- Price.comNo cash back
- RetailMeNotmerchant dropped by this portal
- MyPointsmerchant dropped by this portal
- chirpyestmerchant dropped by this portal
- Mr. Rebatesmerchant dropped by this portal
- ShopBackmerchant dropped by this portal
- Raisemerchant 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
- RebatesMemerchant dropped by this portal
- BeFrugalmerchant dropped by this portal
- Fluz1.5%
- Price.comrate no longer published
- TopCashback12%
- Rakuten5%
- MaxRebatesmerchant dropped by this portal
- Hoopla Dooplamerchant dropped by this portal
How these Nectar 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.
Nectar cashback FAQ
Which portal pays the most for Nectar cashback right now?
Rakuten, at 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 Nectar 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 Nectar, which mostly tracks Nectar's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying Nectar's gift card through a portal skips the first wait: that cashback is paid when the card is bought.
- 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.
- 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.
- 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.
- 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.
Is there a minimum payout?
- Rakuten: $5.01 in confirmed cash back before the payment date; $5.00 or less carries over to the next one.
- Fluz: $15 in lifetime earnings once, then $1 per withdrawal.
- TopCashback: None for PayPal, Venmo or bank transfer; some gift cards have one.
- Price.com: $10 per withdrawal, with a $500 cap per withdrawal and per day.