I am a Cashback Newbie but so far I have been very pleased with TopCashback! They have a high rate payback with many options for how you want to receive the cash back. So far in the couple months I have been a member, I have won a Blog Survey, won several Cashback "Sweet Treat" Rewards games, and received Rebates from several retailers. The awesome feature is you have options for how you would like your cash back. So far, I have had cash go directly to my bank account and I also received a Virtual Visa card with higher payback. Customer service has been very responsive with my questions (newbie!). The only drawback seems to be that some retailers take longer than others. The Payable + tab shows just how long, so that helps. Thank you TopCashback!