Needed cashback is highest right now at Rakuten and USAA MemberShop (4%), ahead of Microsoft Cashback (up to 1.54%). GotCashback.com tracks Needed across 11 cash back portals, airline shopping portals and credit card malls — including Southwest Rapid Rewards, Alaska Mileage Plan and American AAdvantage.
Rates last checked 9 Sep 2026, 3:41 AM CT
| Portal | Cashback | ||
|---|---|---|---|
 Rakuten | 4% | ||
 CapitalOne Shopping | 1% | ||
 Microsoft Cashback | Up to 2%(≈ up to 1.54%) | ||
 USAA MemberShop | 4%(≈ 4%) |
We have been keeping track of Needed cashback rate history. Take a look at the chart!
Needed airline miles and credit card points
These shopping portal offers pay airline miles or credit card points instead of cash; the estimated value uses each program's default point value.
Needed cashback frequently asked questions
Cashback portals work by partnering with retailers and receiving a commission for referring customers to their websites. They then share a portion of that commission with the customers in the form of cashback rewards.
Most cashback portals are free to use, and there are no fees associated with earning cashback rewards through them.
The time it takes to receive cashback rewards varies by cashback portal and retailer. In some cases, it can take a few days to several weeks for the cashback to be credited to your account.
While most online purchases are eligible for cashback rewards through cashback portals, there may be some exclusions or limitations depending on the retailer and the product or service you are purchasing.
Some cashback portals offer cashback rewards on in-store purchases when you link a credit or debit card to your account and use it for qualifying purchases at participating retailers.
There may be limits or restrictions on the amount of cashback you can earn through a cashback portal, such as a maximum cashback amount per transaction or per account.
Many cashback portals have a minimum payout threshold that you must reach before you can withdraw your cashback rewards. This is typically done to reduce processing costs for small cashback amounts.
In most cases, you can use coupons or promo codes in conjunction with cashback portals to maximize your savings. However, it's important to check the terms and conditions of both the coupons and the cashback offers.
If your cashback is not credited to your account, you should contact the cashback portal's customer service team for assistance. They can help investigate the issue and ensure that you receive the cashback rewards you are owed.
In most cases, cashback rewards earned through cashback portals are considered rebates or discounts rather than taxable income. However, it's always a good idea to consult with a tax professional to determine the tax implications of your cashback earnings.
Many cashback portals offer cashback rewards on travel bookings, such as flights, hotels, and rental cars. This can be a great way to earn cashback on expenses you already plan to incur.
Some cashback portals have referral programs that allow you to earn additional rewards for referring friends and family to sign up and use the cashback portal. This can be a great way to increase your earnings.
In some cases, you may be able to stack multiple cashback offers to earn even more rewards on a single purchase. However, it's important to check the terms and conditions of each offer to ensure they can be combined.
Cashback portals typically offer a variety of payment methods for cashing out your rewards, such as bank transfers, PayPal, gift cards, or charitable donations. You can choose the method that works best for you.
Some cashback portals offer sign-up bonuses or other incentives for new users to join and start earning cashback rewards. These bonuses can vary in value and requirements, so be sure to check the terms and conditions.
Some cashback portals offer cashback rewards on subscriptions or recurring payments for services such as streaming platforms, online memberships, or utility bills. This can provide ongoing savings on regular expenses.
Most cashback portals take data security and customer privacy seriously, employing encryption and other measures to protect your personal information. However, it's always a good idea to use strong passwords and be cautious when sharing sensitive data online.
Some cashback portals offer cashback rewards on gift card purchases at select retailers. This can be a way to earn rewards on gifts or future purchases while still enjoying the convenience of gift cards.
Many cashback portals have mobile apps that allow you to browse offers, shop, and earn cashback rewards on the go. These apps can make it easy to access your account and track your earnings from your smartphone or tablet.
If you return a product purchased through a cashback portal, the cashback rewards you earned on that purchase may be reversed or deducted from your account. It's important to review the cashback portal's policies on returns and refunds.
In some cases, you may be able to earn cashback rewards through both a cashback portal and a cashback or discount credit card on the same purchase. This can help you maximize your savings and rewards on eligible transactions.
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