Bears with Benefits: Shopping portal cashback & miles rates
bears-with-benefits.us
Checked 3h ago · 7 portals compared
Every portal below pays you for starting your Bears with Benefits purchase there: they split the commission they get from Bears with Benefits with you. Same store, same checkout, same order, but cashback or miles on top. New here? How portals work
Best Bears with Benefits rate right now
Best points
Verdict:
2 rate changes in the 48 days we've tracked it. Last moved Aug 8, 2026. TopCashback has held the top cashback rate longest: 44 of 48 days.
True on most portals for Bears with Benefits:
Cashback
Category rates & exclusions
- Online Purchase · most items 10%
Exclusions: - Use of a coupon code not displayed on TopCashback. Terms: - Cash Back is calculated only on the item(s) price and does not include taxes, shipping or other fees. - Cash Back earned cannot exceed the total purchase amount. - Should your Cash Back fail to track automatically, please submit a Missing Cash Back Claim within 100 days of your order.
Details last checked 6d ago.
What doesn't earn
Using coupon codes that are not listed on Rakuten may void Cash Back. To be safe, stick to codes provided by Rakuten.
What doesn't earn
For subscription purchases, only eligible on first paid subscription. Active subscription and payment validation required.
Points
What doesn't earn
Using coupon codes that are not listed on Rakuten may void Cash Back. To be safe, stick to codes provided by Rakuten.
Category rates
- Online Purchase · most items 2.8 pts/$
Details last checked 3h ago.
Joining a portal through a link here may earn us a referral bonus; it never changes these rates or their order. Details
How this tool is funded
Some links here are referral links: if you join a portal through one, that portal may pay us a referral bonus. It never changes the rates we show or how we rank them. How we make money
Best play
Stack the portal with the right card: the same purchase earns two ways.
Also fits: Bank of America Customized Cash Rewards (3% back on online retail) · Amex Blue Business Plus (2x Amex points on everything)
Card earn rates are our own notes, not live data. Issuer caps and terms apply, so double-check before counting on one.
Rate history last 21 days
Full history →Bears with Benefits's best cashback rate has changed 2 times since Jul 12, ranging 5% to 15%.
Each line follows the best rate on offer at that moment, whoever was paying it. Currently: Cashback via TopCashback, Points via Rakuten (Amex). Same scale, different currencies: "3" means 3% cash, 3 pts/$, or 3 mi/$.
Every account sees the last 21 days here. Premium goes back to day one.
Recent changes last 21 days
Common questions
Which shopping portal pays the most at Bears with Benefits? +
Right now 10% on TopCashback leads, out of 7 portals we track for Bears with Benefits. The full side-by-side comparison of cashback, miles, and points is above.
Is 10% a good cashback rate for Bears with Benefits? +
10% on TopCashback is within Bears with Benefits's typical range (10–15%).
Can I earn airline miles or points for Bears with Benefits through a shopping portal? +
Yes, the top is 5 pts/$ (Amex points) on Rakuten (Amex). Airline and card portals often pay miles or points instead of cashback.
How often do Bears with Benefits's cashback rates change? +
Bears with Benefits's best cashback rate has changed 2 times since Jul 12, ranging 5% to 15%.