Cash Back Portals - Maximize Rewards | The Point Calculator

Cash Back Portals

Earn Cash Back Shopping Online

Get the details of the most popular cash back portals such as Rakuten, TopCashback, BeFrugal, and more. Learn how to maximize your rewards shopping online.


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Program Details

Cash back portals allow you to earn cash back when shopping online at thousands of retailers. This works by:

  1. Starting your online shopping session at a cash back portal
  2. Clicking the portal's affiliate link to the store you wish to shop with
  3. The link will drop you off on that store's home page and you'll shop as normal
  4. Once the purchase is complete, the store will let the portal know and you'll earn cash back

Cash back portals (as well as shopping portals) basically pays you to shop. The plus to cash back portals is that it allows you to easily double and triple dip rewards. For example, Rakuten typically offers 2% cash back shopping at Athleta, but sometimes they offer up to 10% cash back or higher.

athelta cash back rakuten

If you were to make a $200 purchase through Rakuten during a 10% cash back promo you would earn $20 in cash back. This is $20 is more than the $0 you would receive if you went to the site directly and made a purchase.

Another example is booking a rental with Enterprise. If you were to book a $100 rental with Enterprise, you could earn cash back for booking the rental.

enterprise cash back rakuten

What it really comes down to is that if you're going to make the purchase online, so you might as well earn cash back doing so.

Which Cash Back Portal Do I Use?

Several popular cash back portals exist and each cash back portal has their own pros and cons. When it comes down to it, no cash back portal is really "the best" as they all offer great deals from time to time... some more than others. As you start to use these portals, you'll more than likely develop a favorite which is fine. I tend to use Rakuten the most, but if another portal has an excellent promotion going on, I will make my purchase through the other portal for the better return.

You can choose to use one portal or you can use all of the portals. Jumping portal to portal can be time consuming, but luckily CashBackMonitor.com exists. The site tells you which portals are offering what and can help you easily find the best return.

cash back monitor
Use CashBackMonitor to find the best deals.

Personally, I'm signed up with all of them because you never know when a portal is going to have a great deal. I don't want to waste time trying to sign up for a portal to take part of a deal as I'd rather just log in, click through to the store's website, and make my purchase. Again, this is personal preference. I recommend getting a feel for each portal.

If you do decide on a cash back portal or multiple cash back portals, consider signing up through the links below to help out the site. It is greatly appreciated if you do.

Sign Up:

Credit Card Rewards Calculators

The only cash back portal that features a co-branded credit card is Rakuten. The Rakuten credit card earns additional cash back on top of purchases made through Rakuten including purchases made through the website's cash back portal, in-store cash back offers, Rakuten Hotels portal, and Rakuten travel. It's a great card for anyone looking to earn more than 3% on purchases made with with over 2,500+ stores!

Compare credit cards side by side based on spend, benefits and fees.

Rakuten Credit Card Cash Back Calculators

You can click on the Rakuten credit card below to learn about the bonus categories, perks & benefits, standard sign up bonus, and fees of the card. The Rakuten credit card also has it's own cash back calculator. The calculator will calculate how much cash back you can earn and the cash value of the credit card based on your monthly/yearly spend, how much each card benefit is worth to you, and the fees of the card. You can compare the results side by side any credit card featured on the site. Any spend you enter into the credit card calculator will carry over to all credit card calculators on the site, so there's no need to re-enter spend when jumping page to page.

Comparison Calculators

Comparison Calculators features side by side comparisons of frequently compared credit cards or comparisons requested through our YouTube channel. These calculators are already set up so you can immediately start calculating total rewards as well as the cash value of the compared cards based on your monthly/yearly spend, how much the card benefits are worth to you, and the annual fees. Comparison Calculators does not allow you to change the designated cards being compared. If you want to compare credit cards outside of the comparisons listed below, I recommend searching for the credit card you want to compare and then using its calculator to compare it against anything featured on the site.

Guides, Deals, and Useful Links

Listed below are guides, deals, and useful links. Do note that some of the links listed may be external links meaning they will take you outside of The Point Calculator website. These are indicated by a new window symbol () and will open in a new window/tab. These links are updated as needed.


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Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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