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A cashback credit card is the perfect complement to cashback sites. You earn cashback from the site AND from your card on the same purchase.
How It Works
When you buy something through TopCashback and pay with a cashback credit card, you earn:
- Cashback from the site (typically 1-15% depending on the retailer)
- Cashback from your card (typically 0.25-1% on all spending)
It’s not huge on the card side, but it adds up over a year of spending — especially on categories like groceries and fuel.
Things to Consider
Always pay off your credit card in full each month. The interest charges on unpaid balances will far exceed any cashback earned. Cashback credit cards are only worthwhile if you’re disciplined about clearing the balance.
Stack Everything
The ultimate savings stack: discount code + cashback site + Airtime Rewards + cashback credit card. Four layers of savings on a single purchase, all completely legitimate.