Rakuten
2%8%
No end date posted. TopCashback moved to 4% the same day. First Sephora spike we have logged.
Rate watch
Portal rates, as they change.
Cashback rates move without notice: Bergdorf goes from 2% to 15% for a week, Dell spikes to 15x every Black Friday, lululemon disappears from Rakuten for a month. This is the log. One dated line per change, read from the portal's store page for the retailer's own domain, never from a press release.
Last entry September 16, 2026. 23 stores above base right now. Re-checked weekly, daily from November 1. Rates can end before we see it, so confirm on the portal before checkout.
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September 16, 2026
Rakuten
12%4%
Back to base after one day. TopCashback is at 8% on Pay Now, now the best portal.
Rakuten
10%2%
TopCashback still pays 10% on the ticket price.
Rakuten
6%3%
TopCashback is at 6% on the rental price, now the best portal.
Rakuten
9%4.5%
One-day spike. TopCashback holds 11%.
Rakuten
10%2%
TopCashback 6% is the best portal on full price.
TopCashback
15%10%
Still the best portal; Rakuten is 2%.
Rakuten
3%6%
Countertop appliances. TopCashback now routes to a major-appliances page at 2%.
Capital One Shopping
8.5%3%
Rakuten rose to 4% the same day and is now the best portal.
Rakuten
2%4%
TopCashback
7%up to 10%
Prepaid stays. Rakuten is 3%.
Rakuten
10%1%
The window closed. Capital One Shopping 3% is the best portal today.
Capital One Shopping
2%1%
Rakuten still shows No Cash Back.
Capital One Shopping
2%3%
TopCashback
5.4%up to 6.92%
Rakuten
4.5%9%
Certified Reconditioned is eligible. TopCashback is at 11% the same day.
TopCashback
11%
Highest of the three portals today.
Rakuten
2%10%
Full price only; Rakuten excludes the members-only sales.
TopCashback
15%
Marked "Improved." Paid 25.25% on Black Friday 2025.
Kate Spade Outlet
Rakuten
2%12%
Outlet site only; separate from katespade.com.
Zappos
Rakuten
2%10%
Relevant for UGG off-sale; ugg.com itself stays at 2%.
September 15, 2026
Rakuten
2%up to 15%
Beauty stays at 2%. No end date posted. Neiman Marcus is at 2% the same day.
Rakuten
4%12%
Pay-now bookings. The Amex $100 on $500 offer expired the same day.
Rakuten
3%up to 6%
Hotel stays, pays after travel.
TopCashback
5%10% new / 6% existing
Prepaid stays.
Rakuten
4%6%
Accommodations, posts within three months of the completed stay.
Rakuten
10%
TopCashback also 10%.
Rakuten
6%
10% on Hawaii stays. TopCashback 6%.
Capital One Shopping
8.5%
Against Rakuten 2% and TopCashback 3%.
Capital One Shopping
8%
Rakuten up to 2.5%.
Capital One Shopping
7%
Rakuten 2%.
Capital One Shopping
6%
Rakuten 1% base; its 10-12% windows still win when open.
Rakuten
No Cash Back
Spiked to 15% on Nov 8, 2025. Capital One Shopping pays 2% meanwhile.
Rakuten
No Cash Back
Capital One Shopping 2%. Amex $120 on $600 live through Oct 16.
No Cash Back
All three Williams-Sonoma Inc. brands paused at once; TopCashback and Capital One Shopping show no rate either.
Rakuten
15%2%
Last spike June 22. Dell has spiked to 12x to 15x on both of the last two Black Fridays.
How to read this. "Spike" is a rate above the store's usual base. "Back to base" means a spike ended. "Paused" means the portal's page reads No Cash Back; the store usually returns within weeks, and the page for that retailer says which other portal pays meanwhile. Rates are read on the date shown and can end early. Only one portal can track a purchase, so pick the highest and click cleanly.
Get the spikes the day they land.
One email when a portal rate at a retailer on this site jumps above base, and a weekly digest in the run-up to Black Friday. No spam.