What are cashback sites and how do they work in the US?

Cashback sites pay you a percentage of your purchase when you click through to a retailer via their platform. The retailer pays them a referral commission, and they share part of it with you. They are free to use — but only provide value if you use them for purchases you were already planning to make.

Is cashback taxable in the US?

Cashback on personal purchases is generally not considered taxable income by the IRS — it is treated as a discount or rebate. Cashback earned on business purchases may require different treatment. Check IRS.gov or speak to a CPA if you earn significant cashback through business spending.

Can I get cashback on grocery shopping in the US?

Yes — store loyalty programs such as Kroger Plus, Safeway for U and Target Circle offer cashback-equivalent rewards and digital coupons on regular shopping. Receipt-scanning apps and some cashback portals also cover grocery retailers, and many credit cards pay a higher rate on grocery spending. Stacking a loyalty program with a rewards card can increase the value.

Is Ask Fin financial advice?

No. Ask Fin provides general guidance and educational tools. Cashback Finder identifies potential opportunities — always verify current rates and terms directly with the relevant platform before purchasing. Ask Fin may receive commission from some affiliate relationships.

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Find US Cashback Before You Buy

Find cashback opportunities before you buy.

Most cashback is missed because people only think to check after they have already bought. Cashback Finder helps you build the habit of checking first — so you are more likely to capture cashback when it is available.

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What you will see inside

A realistic preview

Sample data only — your actual results are based on the numbers you enter.

Cashback is often missed because people check too late

Cashback platforms require you to click through to the retailer from their site before you buy. If you go directly to the retailer first, you miss it. The habit of checking before buying is the single most important factor in capturing cashback consistently.

What Cashback Finder helps you do

✓Check cashback availability before completing a purchase
✓See an example estimate of what cashback could be worth on your planned spend
✓Find out which cashback providers cover your category
✓Follow a simple pre-purchase checklist to avoid missing cashback
✓Get linked directly to relevant cashback providers with disclosure on any affiliate links

Cashback providers to check

Ask Fin may suggest cashback providers such as Rakuten, TopCashback USA and Honey where relevant. Offers, rates and tracking rules can change. Always check provider terms before buying.

Rakuten

One of the largest cashback platforms in the US, covering thousands of retailers across travel, fashion, electronics, home and more, with a browser extension and app.

TopCashback USA

A major cashback platform with a broad range of US retailers and categories, including higher rates on some providers.

Honey

A browser extension that tests available coupon codes at checkout and offers rewards on purchases at participating retailers.

Store loyalty programs

Kroger Plus, Safeway for U and Target Circle offer digital coupons and cashback-equivalent rewards on everyday grocery shopping — activate offers before you pay.

Cashback is not guaranteed. Rates vary by provider, retailer and time. Cashback can fail to track. Always check provider terms before buying.

Some links may be affiliate links. See our Affiliate Disclosure.

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