New vs existing customer cashback rates
The highest rate can be restricted to new customers. Check the definition before comparing it with your own purchase.
Check advertiser history
Read whether previous accounts, orders, subscriptions, or household activity affect eligibility. A new portal account does not necessarily make you a new customer of the merchant.
Choose the correct category
A portal can show separate rates for new and existing customers, products, or order types. Compare the rate for your actual route. Do not apply a first-order headline to a renewal without explicit support in the terms.
Keep the qualifying wording
Save the relevant category and exclusions before purchase. If a lower rate tracks, check whether the merchant classified your order differently before opening a missing-credit inquiry.
Example: a portal lists 15% for new customers and 3% for existing customers. An existing eligible $100 order corresponds to $3, not $15.
Explore saved examples
Catalogue examples, not verified current payout promises. Confirm the reward and full conditions in your account.
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Before you commit
Merchant customer history
Read whether previous accounts, orders, subscriptions, or household activity affect eligibility. A new portal account does not necessarily make you a new customer of the merchant.
Correct rate category
A portal can show separate rates for new and existing customers, products, or order types. Compare the rate for your actual route. Do not apply a first-order headline to a renewal without explicit support in the terms.
Saved category terms
Save the relevant category and exclusions before purchase. If a lower rate tracks, check whether the merchant classified your order differently before opening a missing-credit inquiry.
Sources and terms: TopCashback explanation · Rakuten tracking guidance · CFPB bank account guidance. Advertiser-specific conditions take precedence.