Earns.io

SIDE BY SIDE

Put two or three platforms side by side

Pick the ones you are actually choosing between. The same questions get asked of each, the answers come off the company's own pages, and every figure carries the day we read it.

Places that pay youThings you build on

Ten questions about whether the money reaches you, asked of each one.

Set your country and every row that publishes a country rule gets marked with whether it accepts you. Nothing is removed and nothing moves.

2 PLATFORMS · 10 QUESTIONS · 5 ANSWERED BY ALL · 1 WHERE ONE STAYS SILENT

You picked one, so a second column was added to give it something to sit next to. Change it above.

TopCashback
Ibotta

Can you even be here

Where you can sign upIs my country on the list at all?
TopCashbackSignup countriesOpen worldwide. Members resident outside North America are welcome to use the site, but the terms warn that some merchants will not pay a cash reward on transactions originating outside the United States.source · checked 2026-09-10
IbottaWhere it worksUnited States and Puerto Rico onlysource · checked 2026-09-06 · read the page
Where you can be paidTwo lists, and they are not always the same one.
TopCashbackPayout countriesPaid worldwide, but the route narrows: payments to members based outside the United States can only be made via PayPal.source · checked 2026-09-10
IbottaUnited States onlyUnited States only. A withdrawal needs a verified phone number, and a number based outside the US cannot be verified.source · checked 2026-09-07
Minimum ageHow old do I have to be, and is it higher for some offers?
TopCashbackWe have not checked this one yet
IbottaMinimum age18, and 21 for offers on alcoholsource · checked 2026-09-06 · read the page

Getting the money out

What you are paid inCash, or something that is only spendable in one place?
TopCashbackPaid inCash to a bank account or PayPal, or store value: Cash Back can be redeemed for an Amazon gift card, a Visa Prepaid card or an American Express Reward Card, which carry a payment bonus.source · checked 2026-09-10
IbottaBank, PayPal or gift cardsBank transfer, PayPal or digital gift cards. Cash is paid directly, so there is no points currency and no gift-card-only lock-in.source · checked 2026-09-07
Ways to get paidIf the one method fails, is there a second one?
TopCashbackWays to get paidDirect Deposit and PayPal, plus Venmo and gift card options. Individual payment methods are subject to change and may be restricted on a discretionary basis.source · checked 2026-09-10
IbottaBank payoutLinked through Plaid, up to 5 business dayssource · checked 2026-09-06 · read the page
Minimum payoutHow much must pile up before they let go of it?
TopCashbackWe have not checked this one yet
IbottaMinimum withdrawal$20.00source · checked 2026-09-06 · read the page
Fee taken out of the payoutWhat is deducted that the payout page does not mention?1 of 2 publish this
TopCashbackDoes not publish thisNot published as a TopCashback charge. Members outside the United States carry the currency conversion cost, which the terms leave to whatever PayPal determines when converting USD funds.source · checked 2026-09-10
IbottaWithdrawal feeNone published for bank, PayPal or gift cardsource · checked 2026-09-06 · read the page
Time from earning to money in handThe whole chain, not the speed they advertise for the last step.
TopCashbackWe have not checked this one yet
IbottaPayPal payoutWithin 2 hours, 1 to 3 business days at peak, mobile app onlysource · checked 2026-09-06 · read the page

Keeping what you earned

How a balance can be lostDoes it expire, get charged rent, or vanish if I go quiet?
TopCashbackHow a balance can be lostCash Back is forfeited if the account is terminated or disabled for any reason. Dormant accounts may be terminated; logging in at least once every six months is all that is needed to stay active, with no purchase required. Payout is stated to be at TopCashback's sole discretion, including where the merchant pays late or not at all.source · checked 2026-09-10
IbottaAccount maintenance fee$3.99 a month, or the balance if it is smaller, after 180 days without qualifying activitysource · checked 2026-09-06 · read the page

Who is on the hook

Who is legally on the hookWhich company, and does it publish anything about whether it can pay?
TopCashbackWe have not checked this one yet
IbottaOperating companyIbotta, Inc., 1400 16th Street, Suite 600, Denver, Colorado 80202, SEC CIK 1538379source · checked 2026-09-06 · read the page

There is no winner at the bottom of this table

Nothing here gets added up. A score would have to decide that these questions weigh the same for everyone, and they do not. A lower cash-out bar is better if you need the money this month and worse if it arrives as a gift card you cannot spend on rent. One payout method is fine right up until it is the one that does not work where you live.

The rows worth your attention are usually the ones where the columns disagree about whether to answer at all. A platform that publishes its fee and a platform that does not are not two platforms with different fees. One of them has told you, and you can hold them to it.

Rows marked as not checked are about us, not about them. They mean nobody here has gone looking yet, and they stay visible for that reason. Found a figure that has moved? Tell us, and it gets a new source and a new date rather than a quiet edit.

ALL PLATFORMS