Spokeo Cashback: Every Portal's Rate, Compared

Spokeo cashback FAQ

Which portal pays the most for Spokeo cashback right now?

Rakuten, at 100%. 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 Spokeo 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 Spokeo, which mostly tracks Spokeo's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying Spokeo'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.
• 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.
• 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.
• 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.
• 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.
• Hoopla Doopla: Usually posts within 10 days of purchase, then becomes yours after 90 days. Payout: Every three months. Payments go out by the end of January, April, July and October to everyone who qualifies.
• 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.
• 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.
• 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.
• 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.

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.
• 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.
• Fluz: $15 in lifetime earnings once, then $1 per withdrawal.
• Extrabux: $10 available balance, with at least one confirmed purchase carrying more than $1 in available cash back.
• GoCashBack: $10 in withdrawable cash back, not counting sign-up, referral or activity bonuses for the first withdrawal.
• Hoopla Doopla: $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.
• MaxRebates: $10.00 per payment, with a $2,000.00 maximum.
• Mr. Rebates: $10 in Available Rebates.
• RebatesMe: $10 in available cash back, not counting bonuses.
• ShopBack: $5 of Confirmed Cashback on ShopBack's payment-methods and clear-time guides; its withdraw how-to says $10.
• MyPoints: At least 480 available Points to redeem (MyPoints blog, 2019).