Ontop Reserve: VIP Benefits and Cashback for Global Professionals

More cashback. Lower fees. Elevated living.

With Reserve, your wallet does more than hold funds, it unlocks curated benefits, better rates, and financial power. All of this, just $14.90/month.

Ontop card
access

Spend anywhere, anytime, with global acceptance.

Monthly perk box

Wellness, travel, productivity, and more curated just for you

VIP deals

Unlock access to exclusive perks only for Reserve members.

Up to 10% cashback

Earn up to $200 USD/month just by using your Ontop Card, no extra effort.

50% off transfer fees

Enjoy reduced fees on transfers simply because you’re Reserve.

Travel assistance

Feel secure wherever you go, with support when you need it most.

It's not just about what you get

It's how it all fits seamlessly into the way you already live.

"I didn’t expect to love a subscription. But Reserve has made every transfer feel easier, and every purchase more rewarding"

William M. Operations Officer

"Reserve has completely changed how I manage and enjoy my money while working remote".

Gabriela M. Digital Marketer

How it works

Cashback That Follows Your Paycheck

Four steps. Minutes to set up. Lifetime of growth.

Join now →

Quick setup and instant activation

Activate your card, link your Wallet, and start earning in minutes. Your Cashback App is ready from day one with no manual delays.

Earnings posted in real time

Rewards appear instantly after each purchase, calculated automatically by category so you always know what you’ve earned.

Where rewards land and how to use them

Cashback goes directly to your Ontop Wallet, ready to spend, withdraw, or apply to payroll credits without extra steps.

Automatic expense tracking and tax-ready exports

Expenses are categorized automatically and exportable for accounting, reducing manual work and simplifying tax prep.

How to use, transfer, and track your rewards

This Cashback lets you see, use, and manage rewards easily.
Your money is always clear and ready when you need it.

Instant wallet rewards

Rewards appear instantly in your Ontop Wallet. No waiting time.

Flexible reward use

Transfer, withdraw, or apply rewards to payroll. Simple and fast.

Clear reward reporting

Export cashback data easily. Keep reimbursements accurate.

Bonuses and limits

See monthly bonuses with clear terms. No surprises.

Who is Reserve for?

Built for the Global Class

Frequently asked questions

How quickly do I receive cashback?

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.

What categories earn 10% versus 5%?

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.

Can I use rewards worldwide and are there fees?

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.

How does Ontop compare to Rakuten or other cashback apps?

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.

Can companies set limits or controls on contractor cards?

Yes. Admins set per-card limits, block merchant categories, require approvals, and lock cards instantly. These controls keep company funds secure while still giving contractors the ability to spend where appropriate.

How do I get my rewards if I need cash or reimbursement?

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.

Are there any hidden fees or monthly charges?

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.

Cashback for modern global living