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Those who now have a $200 semi-annual credit for Dell purchases may be interested in the fact that both TopCashBack and Rakuten are offering increased portal rates for purchases at Dell today. While I suspect that we may see better rates in the coming weeks, those itching to make a purchase may want to make one now.
- TopCashBack is offering 9% back at Dell Consumer today. Rakuten is offering 8% / 8x Membership Rewards points. Both rates are better than typical rates (though below what we typically see during the Black Friday to Cyber Monday period).
If your primary goal is to buy stuff from Dell, it might make sense to wait a few weeks. We almost always see rates increased beyond 9% / 8x during the days leading up to and including Black Friday and Cyber Monday. Unless you find an amazing deal on something today, it might make more sense to wait.
On the other hand, some folks with money to burn at Dell may have their hearts set on other purchases during the Black Friday / Cyber Monday period, in which case it might make sense to use your credits today with the available increased rates.
Personally, I would prefer 8x Membership Rewards points through Rakuten over 9% back via TopCashBack, but if your Rakuten account is set up to earn cash back you would obviously be better off with TopCashBack.