Welcome to
Ontop Reserve

Cashback posts instantly to your Ontop Wallet after a qualifying transaction and is visible in your balance within seconds. If an authorization changes, the posted amount updates so your wallet always reflects the latest state.

Premium categories such as flights, short-term lodging, rideshare, meals, and digital subscriptions earn 10 percent while everyday purchases receive 5 percent. The app lists eligible merchants and category rules so you can confirm before spending.

Yes. Card purchases in 150 plus countries earn cashback and Ontop does not charge foreign transaction fees on purchases. Exchange rates are shown before payment so costs are predictable for international spend.

Unlike standalone platforms, Ontop combines a card, Wallet, and payroll so rewards go straight to earnings rather than to a separate account. This single-app design removes manual transfers typical of many cashback apps.

Rewards can be spent directly from the Wallet, withdrawn to a bank, or applied as payroll credits for upcoming pay cycles. Exports show cashback lines separately to simplify reimbursement or client billing reconciliation.

No monthly card fees are applied for standard accounts and reward rates are shown up front. Certain membership tiers offer enhanced perks and fee reductions which are displayed clearly in the membership comparison.