Highest-cashback point-site ranking 2026 — pinpointing the top site by category
How to read "highest cashback" right
The question "which point site has the highest cashback?" has a different answer by category. There's no site that's strongest across every category. This article pinpoints the top site per major category using real data as of May 2026.
Highest on Rakuten Ichiba
| Rank | Site | Normal cashback | Notes |
|---|---|---|---|
| 1st | Hapitas (during campaigns) | 1.5–2.0% | Target Hapitas Day |
| 1st | PointIncome (Platinum) | 1.07% | Requires maintaining rank |
| 3rd | Moppy | 1.0% | Most members |
| 3rd | Hapitas (normal) | 1.0% | Outside campaign periods |
Highest on Yahoo! Shopping
- 1st: Hapitas (1.5–2.0% during campaigns)
- 2nd: Moppy / Pointtown (1.0%, level)
- Combine with "days ending in 5" to stack PayPay STEP +2%
Highest on card sign-ups
Varies by card. Rankings swap monthly, but the tendency:
- Mitsui Sumitomo NL / Amex line: Moppy dominates
- Rakuten Card / Epos Card: even, flips by month
- JCB / Aeon line: Moppy ahead
Always compare on pointnavi before each application.
Highest on FX
- DMM FX: frequently over 20,000 yen on Moppy
- GMO Click Securities: Moppy ahead
- Gaitame.com: even
For FX, Moppy is overwhelmingly strong.
Highest on travel
- Overseas hotels (Booking.com / Expedia / Agoda): Hapitas wins outright at 4–6%
- Domestic stays (Jalan): Hapitas 2.0–3.0%, Moppy 1.5–2.0%
- Rakuten Travel: both 1.0%, level
FAQ
How do I narrow "the highest-cashback site" to one?
You can't. It changes per offer — that's the reality of point activity. Comparing on pointnavi each time and applying on that offer's highest-cashback site is the right move.
How often do rates change?
Monthly to weekly. pointnavi updates daily, so checking right before applying is the rule.
This article was written from publicly available information on each point site as of May 2026. Cashback rates, campaign terms, and redemption rules can change without notice — always check each site's official page for the latest. This site uses each point site's referral program, but going through a referral link never changes the rate you receive.