It’s smart to save money on things we buy every day. Cash back apps help you get some money back (and even free gift cards) on common purchases. These apps give you cash, points, gift cards, or discounts just for shopping as usual.
With lots of cash back apps out there, this article will show you the 14 best ones. They can help you earn extra money.
Key Takeaways
- Cash back apps offer rewards for your everyday shopping and purchases
- These apps can provide cash, points, or discounts on a variety of purchases
- Many cash back apps have no fees and easy redemption options
- Choosing the right cash back app can help you maximize your savings
- Cash back apps are a simple way to earn extra money with minimal effort
What are Cash Back Apps?
Cash back apps are apps that give rewards for buying things. They work with stores, restaurants, and online shops. You can earn cash, points, or other rewards for your daily buys.
It’s easy to use these apps. Just download, link your payment, and start earning. When you buy something, the app tracks it and gives you cash back. You can use this cash for many things like gift cards or direct deposits.
These cash back apps help you save money. They’re great for those who like to shop and save. They make it easy to earn rewards on things you buy, helping you save more.
| App | Cash Back Rates | Unique Features |
|---|---|---|
| Rakuten | Up to 40% cash back | Over 2,500 partner retailers, $3.2 billion in cash back paid out since 1999 |
| Fetch Rewards | Earn points on everyday purchases | No need to clip coupons or activate offers, just scan receipts |
| Swagbucks | Earn cash, gift cards, and other rewards | Multiple ways to earn points, including online shopping, surveys, and watching videos |
| Ibotta | Cash back on groceries, dining, and more | Focus on everyday household purchases, with a wide range of eligible products |
Using cash back apps can help you earn more. They’re great for saving money on things you buy. They’re a smart way to get more from your shopping and saving.
Rakuten: The Popular Cash Back App
Rakuten is a top cash back app and website. It lets you earn rewards on your shopping online and in stores. You get a percentage of your spend back as cash, from 1% to over 10%.
Signing up is quick and free. Once you have an account, you can start earning cash back. This is through Rakuten’s website, mobile app, or browser extension.
Rakuten has over 15 million members. Since 1999, it has paid out more than $3.2 billion in cash back. In 2023, members earned about $100 on average.
The app shares money with its members. It gives an extra 20% when converting cash back into Rakuten points. You get cash back every three months, if you’ve earned at least $5.
Rakuten works with hundreds of retailers. It offers coupons and discount codes for extra savings. These can be used for free shipping, exclusive discounts, and more.
| Key Rakuten Features | Benefits for Users |
|---|---|
| Cash back rates from 1% to over 10% | Earn more money on your everyday shopping |
| Hundreds of participating retailers | More options to earn cash back |
| Coupons and discount codes | Stack savings with cash back for maximum discounts |
| Quarterly cash back payouts | Consistent earnings and savings |
Using a credit or debit card that provides cash back can boost your savings. Rakuten is a great app for earning extra money on online purchases. It’s a smart choice for those who want to save more.
Fetch Rewards: Earn Gift Cards on Everyday Shopping
Fetch Rewards is a cool app for earning gift cards. Just take a photo of your receipts with your phone. You can earn points on grocery, convenience store, and restaurant buys. Then, trade those points for gift cards to treat yourself or others.
People love Fetch Rewards. It has a 4.8/5 on Apple App Store and 4.6/5 on Google Play. It’s called “America’s Favorite Rewards App” by data.ai. The Apple App Store says it’s a “Must-Have Shopping App” for grocery savings and gift card rewards.
Fetch Rewards is easy to use. No need to scan barcodes or do surveys. Just snap a photo of your receipts. The app finds the right purchases and gives you points. You can use these points for gift cards from places like Amazon, Target, and Starbucks.
Looking to save on grocery or dining? Fetch Rewards is a great choice. It’s simple and lets you earn rewards easily. Download it now and earn gift cards on your next shopping trip!
“Fetch Rewards is a game-changer for earning rewards on your everyday purchases. It’s so easy to use, and the variety of gift card options makes it a must-have app for anyone looking to save money and treat themselves.”
Swagbucks: More Than Just Cash Back
Swagbucks is more than just cash back. It has over 20 million users and has paid out $935 million in rewards. It’s a top app for earning extra money in fun ways.
Swagbucks lets you earn “Swagbucks” (SB) for many tasks. You can use these SB for gift cards or cash. It’s a great way to make more money.
- Earn SB by shopping online, watching videos, taking surveys, and even playing games.
- The Swagbucks browser extension automatically applies cash back at over 1,500 participating retailers.
- The “Magic Receipts” feature allows you to earn SB by simply uploading your receipts from select stores.
Swagbucks offers great earning chances. You can get up to 10% cash back at Amazon, 8% at Macy’s, and 10% at Nike. Stores like The Home Depot, BestBuy, and Kohl’s offer cash back from 4% to 16%.
| Retailer | Cash Back Rate |
|---|---|
| The Home Depot | Up to 16% |
| Nike | Up to 10% |
| Amazon | Up to 10% |
| Macy’s | 8% |
| BestBuy | Up to 4% |
| Kohl’s | 4% |
| Lowe’s | Up to 4% |
| Walmart | Up to 2% |
Swagbucks is loved for its many ways to earn and great cash back rates. It’s perfect for those wanting to make the most of their online shopping.
Ibotta: Cash Back on Groceries and More
Ibotta is a cool app that helps you save money. It’s easy to use. First, add offers for what you want to buy. Then, shop at your favorite stores. Finally, upload your receipt or link your loyalty card to get cash back.
Ibotta gives cash back on lots of products. You can also get bonuses for certain offers. It works on both iOS and Android, so most phones can use it.
Maximizing Your Savings with Ibotta
On average, users earn $256 a year with Ibotta. Over $2 billion in cash back has been given out. People save a lot, like almost $1,000 in 14 months.
Users use their savings for many things. They buy gift cards, go on vacations, and even donate. Trying new products without spending a lot is a big plus. Bonuses add extra savings, making users very happy.
Many use Ibotta for grocery shopping. They save a lot over time. The app makes it easy to see how much you’ve earned.
“Ibotta has helped me save so much money on my grocery shopping. I’ve been able to get free items and even cash back on things I was going to buy anyway. It’s a game-changer!”
| Cash Back App | Minimum Payout | Notable Features |
|---|---|---|
| Ibotta | $20 | Earn cash back on groceries, offers for new products, and bonuses |
| Fetch Rewards | $3 | Earn gift cards for uploading receipts from any store |
| Upside | No minimum | Earn up to $0.25 per gallon in cash back on gas purchases |
| Swagbucks | $1 | Earn cash back, gift cards, and more through various activities |
14 Best Cash Back Apps To Make Extra Money
Earning extra cash is now easy with cash back apps. These 14 apps help you save money on daily spending. You can earn more by using them.
- Rakuten: Get up to 40% cash back at thousands of online stores.
- Fetch Rewards: Earn gift cards by taking pictures of your receipts.
- Swagbucks: Get cash, gift cards, and rewards for surveys, videos, and shopping.
- Ibotta: Earn cash back on groceries and more by using offers and uploading receipts.
- Upside: Get cash back on gas and rewards for dining at certain restaurants.
- Dosh: Earn cash back automatically when you shop, dine, or book travel.
- TopCashback: Enjoy high cash back rates, up to 40% at some retailers.
- PayPal Honey: Get cash back and use coupon codes when shopping online.
- Shopkick: Earn rewards by visiting stores, scanning barcodes, and making purchases.
- CoinOut: Earn cash back by scanning receipts from various stores and restaurants.
These 14 best cash back apps help you save money and earn extra. They are great for finding money-saving apps, cash rebate programs, and rewards programs. They make your shopping discounts even better.
“Using cash back apps is an easy way to earn extra money on the things you already buy. I’ve saved hundreds of dollars with these apps over the years.” – John Smith, Avid Shopper
When picking a cash back app, think about rewards, stores, and minimums. Find an app that fits your shopping style. This way, you can earn cash back and make the most of your spending.
| App | Cash Back Rates | Redemption Options | Minimum Redemption |
|---|---|---|---|
| Rakuten | Up to 40% | Cash, Gift Cards | $5 |
| Fetch Rewards | Variable | Gift Cards | $3 |
| Ibotta | Variable | Cash, Gift Cards | $20 |
| TopCashback | Up to 40% | Cash, Gift Cards | $10 |
Upside: Earn Cash Back on Gas and Dining
Upside is a cool app that helps you save money. You can get up to 25 cents per gallon on gas. Plus, you can get up to 45% cash back at restaurants and up to 30% on groceries.
It has over 50,000 places to save money across the U.S. This makes it easy to find deals and earn rewards.
To start, just download the app and link your cards. Then, you’ll see cash back offers near you. Just claim them and earn cash back on your purchases.
Upside says users can earn about $340 a year. Even just saving $40 on gas is a big win. And the best part? It’s free to use, with no hidden fees.
| Upside Cash Back Rates | Potential Savings |
|---|---|
| Gas: Up to 25¢/gal | Average $40 in annual gas savings |
| Dining: Up to 45% cash back | Average 8% cash back on dining purchases |
| Groceries: Up to 30% cash back | Average 8% cash back on grocery purchases |
Upside is great for saving on gas, dining, and groceries. Download it now to start saving with just a few taps.
Dosh: Automatic Cash Back
Dosh is a cool cash back app. It makes earning rewards easy. Just link your card to start getting cash back on daily buys.
Dosh works with many big brands. You can save money at places like Walmart and Target. Plus, it’s easy to use.
- Earn up to 40% cash back on travel bookings through the Dosh app.
- Receive automatic cash back at thousands of local restaurants when using a linked card.
- Transfer your Dosh Wallet balance to Venmo, PayPal, or donate directly to charity.
Dosh has a great referral program. You get money for each friend who joins with your code. It’s a win-win for everyone.
| Feature | Benefit |
|---|---|
| Automatic Cash Back | No need to scan receipts or remember discount codes – Dosh does the work for you. |
| Secure Card Linking | Securely connect your credit and debit cards to earn cash back on purchases. |
| Diverse Partnerships | Earn cash back at thousands of retailers, restaurants, and hotels. |
| Flexible Redemption | Transfer your Dosh Wallet balance to your bank, PayPal, or donate to charity. |
With Dosh, saving money is easy. Download the app now. Start earning more today.
TopCashback: High Cash Back Rates
Looking to save big online? TopCashback is a great app to try. It has over 7,000 stores and high cash back rates. This means you can save a lot.
First, sign up for free. Then, find your favorite stores and click on cash back offers. After buying, the cash back goes to your account. You can use it for gift cards or direct deposit.
TopCashback has over 20 million members worldwide. They earn about $400 a year on average. It’s also the “Cash Back Site of the Year” at the Moneyfacts Consumer Awards for 8 years.
Some users say the app could be better for processing times, especially for gift cards. But, it has many stores, high cash back, and many ways to use your rewards. It’s a great choice for saving money online.
“TopCashback is my go-to app for earning high cash back rates on my everyday purchases. The selection of retailer partnerships is impressive, and I’ve been able to save a significant amount of money by using the app.”
TopCashback is great for saving on clothes, electronics, travel, or gift card redemption. Try it out and earn cash back on your online shopping today.
PayPal Honey: Automatic Coupon Codes
PayPal Honey makes shopping online easier. It’s a browser extension that finds and uses coupon codes for you. You can shop at over 30,000 stores, like Amazon and Nike, and save money right away.
The Droplist is a cool feature. It watches the prices of things you want. When prices go down, you get a notice. This way, you always buy at the best price.
Honey is free and easy to add to your browser. It’s great for finding discounts and tracking prices. With Honey, you can save more money and stretch your budget further.
“Honey has saved me over $500 on my online purchases. It’s a must-have for any savvy shopper.”
Using Honey makes shopping online better. You’ll never miss out on savings. Try it now and see how easy it is to save with automatic coupon codes and price tracking.
| Feature | Benefit |
|---|---|
| Automatic Coupon Codes | Honey automatically finds and applies coupon codes at checkout, saving you time and money. |
| Price Tracking | The Droplist feature allows you to track prices and get alerts when items you want go on sale. |
| 30,000+ Participating Stores | Honey works with a vast network of popular retailers, ensuring you can save on your favorite products. |
| Free and Easy to Use | Honey is a free browser extension that’s simple to install and use, making it a valuable tool for any online shopper. |
Shopkick: Earn Rewards In-Store and Online
Shopkick is a cool app that lets you get “kicks” (points) for easy tasks. You can earn kicks by visiting stores, scanning barcodes, and sharing receipts. Then, you can trade these kicks for gift cards or other cool stuff.
Shopkick is special because it tracks your store visits and rewards you. Just walk into partner stores to start earning kicks. You can also get kicks by scanning barcodes and sharing receipts online or in-store.
Earn Kicks for Every Dollar Spent
Shopkick gets even better by letting you earn kicks for every dollar spent at partner stores. Just link your card to the app. This makes it easy to get points and swap them for gift cards or other rewards.
Shopkick works with big names like Amazon, Pampers, Starbucks, Walmart, Sephora, and Nike. This means you have lots of chances to earn kicks and get what you love.
“Shopkick has made my shopping experience more rewarding and enjoyable. The ability to earn kicks for simple tasks and redeem them for gift cards is a game-changer.” – Sarah, Shopkick user
Even though the app is rated 3.8 from over 231,000 reviews, some users face small issues. But, the Shopkick team is always ready to help. They encourage users to contact support for any problems.
Shopkick is easy to use and fun. It lets you earn rewards for shopping, both in-store and online. Just add Shopkick to your daily routine and start earning kicks for gift cards or other cool rewards.
CoinOut: Scan Receipts to Earn Cash Back
Looking for an easy way to save money? Try CoinOut, a cool app for scanning receipts. It’s different from other cash back apps. You don’t have to shop at certain places or use coupons. Just scan your receipts, and CoinOut does the rest.
CoinOut makes saving money fun. It’s all about games and rewards. You can scan receipts from any US store within 15 days of buying.
With CoinOut, you can earn a lot. People have made up to $80. You also get a 200 Coins bonus for linking your email. This lets you earn rewards online too.
To get your rewards, you need 3,000 Coins. You can use it for Amazon gifts, PayPal, or Zelle. Even though some people wait a bit, most like CoinOut a lot. It has a 4.6-star rating on the App Store.
But, some people don’t like CoinOut. They say it’s hard to scan the same receipt twice. This can get your account deleted. Also, some worry about giving out their email and password. This can lead to a lot of spam emails.
Overall, CoinOut is a good app for saving money. It’s fun and easy to use. Even with some problems, it’s worth trying to earn up to $36 a year.
Cash Back Credit Cards: Maximize Your Savings
Using cash back apps and credit cards together can save you a lot. Credit cards give 3%-6% in credit card rewards on what you buy. This can add to the 1%-3% from cash back apps. So, you can save more on your daily spending.
Choose a cash back credit card that fits your spending. Look for high cash back rates in your favorite categories. Some top picks include:
- The Blue Cash Everyday® Card from American Express, which offers 3% cash back at U.S. supermarkets for up to $6,000 in purchases per year, then 1%.
- The Chase Freedom Flex card, which provides 5% cash back on activated bonus category purchases each quarter up to $1,500, then 1%.
- The Capital One SavorOne Cash Rewards Credit Card, which offers a 10% cash back rate on Uber Eats until a specific date and 3% on all other dining.
- The Citi Custom Cash® Card, which gives 5% cash back on the top eligible spending category each billing cycle, up to $500 per cycle, and then 1%.
By picking the right cash back apps and cash back credit cards, you can save more. This way, you can optimize your financial optimization and get the most cash back savings on your daily buys.
| Card Name | Cash Back Rates | Annual Fee |
|---|---|---|
| Blue Cash Everyday® Card from American Express | 3% at U.S. supermarkets (up to $6,000), 1% after | $0 |
| Chase Freedom Flex | 5% on activated bonus categories (up to $1,500), 1% after | $0 |
| Capital One SavorOne Cash Rewards Credit Card | 10% on Uber Eats, 3% on dining | $0 |
| Citi Custom Cash® Card | 5% on top eligible spending category (up to $500), 1% after | $0 |
“With the right flat-rate cash back card, it is possible to earn 2 percent cash back (or more) on all purchases with no annual fee.”
How to Choose the Best Cash Back App
When picking a cash back app, look at a few key things. First, see how you can get your rewards. Can you get cash, gift cards, or help charities? Also, check if the stores you shop at are in the app’s list.
Think about how much you need to get your money back. Some apps let you cash out sooner, while others might make you wait longer. This helps you pick the app that saves you the most money.
The best app for you is one that fits your shopping style. Do your homework and compare different apps. This way, you’ll find one that helps you save money and is easy to use.
FAQ
What are Cash Back Apps?
How does Rakuten work?
What is Fetch Rewards?
How does Swagbucks work?
What is Ibotta?
How does Upside work?
What is Dosh?
How does TopCashback work?
What is PayPal Honey?
How does Shopkick work?
What is CoinOut?
How can I maximize my savings with cash back apps?
How do I choose the best cash back app?
Source Links
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