No, not at all. With ShoppingBoss, you earn cash in stores AND online. Cash back can also be earned at 100’s of restaurants across the country with ShoppingBoss. ShoppingBoss cash back earned is instant, not deposited quarterly. And cash back earned can be used for your next purchase with ShoppingBoss easily at checkout. But best of all, ShoppingBoss can be used in conjunction with Ebates/Rakuten! So if you are an Ebates/Rakuten user, continue to earn cash back through Ebates/Rakuten, but when it comes time to pay for your online purchase, use a ShoppingBoss digital gift card to pay. Let’s say you buy online at Under Armor through Ebates/Rakuten. Pay at checkout with ShoppingBoss and you’ll earn 7% from Ebates/Rakuten and 8.1% from ShoppingBoss (15.1%) on your purchase!