Morningstar Inc. Cash Back Offers & Black Friday Discounts

It’s a shopping rebate or reward. By using a cash back credit card or cash back site/app (like yours truly), you can earn a percentage of your money back after making a purchase. The best part? Your cash back adds up to a nice amount in your account! Then whenever you’re ready, you can claim your not-so-hard-earned cash and spend it however you want.

Cash back offers never expire! Their rates may vary, depending on the day or time of year, but they’re always available to you. They’re also not one-time-use offers. You can come back over and over to secure cash back every time you shop.

First, create a free TopCashback account or log in if you have one already. Then, search for the store you want to visit on our site. Once you’re on the store page, you’ll see a big Get Cash Back button (you can’t miss it). Click it and you’ll be redirected to the store’s website. Just add items to your cart and place your order like normal. We’ll send you a cash back notification as soon as your transaction has been tracked.

Let’s address the elephant in the room right now. We’re not a scam and we’re not too good to be true. We receive a commission every time a member shops at one of our 7,000+ retailers. But unlike our competitors, we give 100% of that commission to you, the member. 

We instead rely on brand sponsorships and promotions, which you’ll see dotted around the site. And sometimes, retailers will pay us a bonus as a thank you for sending a lot of shoppers their way.

Your cash back appears in your account within 7 days of your purchase, but it usually isn’t payable or withdrawable right away. We need to wait until the retailer’s return period is over (because any items that are returned will disqualify your cash back). Then once it confirms your cash back, the retailer pays us the commission for your purchase, which we pass on to you in full. That’s when we make your cash back “payable” and ready to withdraw and spend.

It’s also important to note that once your money is payable, you can cash out whenever you wish. The money will stay put until you want it in your hands.