Start with the card you plan to buy. A One4all card, a card for a single store and a prepaid Visa or Mastercard can earn different rates through the same shopping portal. Check the card’s listing and the portal’s terms before comparing percentages. GiftCards.com multi-brand cards · ShopBack GiftCards.com offer
Compare GiftCards.com cash-back offers
The table dates each observed rate. Check the linked offer for current terms and exclusions before buying.
| Program | Advertised rate observed | Eligibility to check |
|---|---|---|
| TopCashback | 3% eligible One4all multi-store cards, 2% single-brand cards, 1% other eligible purchases, public page reviewed Nov. 10 | Check its excluded-card list. The terms exclude discounted orders and codes the portal does not display. |
| ShopBack | 2% multi-brand and One4all, 1% single-brand, 0.5% Visa and Mastercard, public page reviewed Nov. 10 | Check the purchase limits and terms for your category. |
| Rakuten | 3% cash back, public page reviewed Nov. 10 | Its terms exclude some products, including Mastercard gift cards and the GiftCards.com eGift card. Check the exact product and any promo code. |
| BeFrugal | Up to 3% cash back, saved Nov. 3 Pacific time | Check the offer for the brand and card type you plan to buy. |
| Mr. Rebates | 3% cash back, saved Nov. 3 Pacific time | Confirm the exact card is eligible for the advertised rate. |
| Capital One Shopping | 0.5% Shopping Rewards, saved Nov. 3 Pacific time | Check the participating brands and exclusions. Shopping Rewards are redeemable for e-gift cards through its catalog. |
Subtract fees before counting the savings
Suppose you buy a $100 prepaid card and the checkout adds a hypothetical $5.95 purchase fee. If the card earns 0.5% back on its $100 face value, you would pay $105.95 upfront and could earn $0.50. Your effective cost would be $105.45 for $100 of spending power. Use the actual fee and eligible amount displayed for your card.
A $100 single-brand card with no fee and an eligible 2% rebate would cost $98 after approval. That route works when you expect to use the whole balance at that store. A multi-store card can give you more choice, so check its participating brands before buying.
Check what happens when you use the card
- Confirm the card type, face value, fees and any delivery charge at checkout.
- Compare what you would pay using a discount code with the cost after any eligible portal rebate. Check whether the code or discounted price affects the reward.
- Keep the receipt and offer details until the rebate posts. When you spend the gift card, read the retailer portal’s payment terms separately. That later order has its own eligibility rules. CashbackHubs guide to earning cash back when paying with a gift card
Sources and methodology
The table dates the U.S. offer observations. Provider links lead to current terms. The dollar examples are illustrative. This article was prepared with AI assistance. See our editorial policy and affiliate disclosure.