Best Cash Back Apps Ranked by Real Savings

Ever wondered which apps actually give you the most cash back? With so many options out there, it can be tough to pick the right one. Some apps pay you instantly, while others might take a bit longer. Whether you’re looking to save on groceries, gas, or just everyday shopping, there’s an app for that. Let’s dive into the best cash back apps compared, so you can start saving today.

Key Takeaways

• Ibotta is great for groceries and everyday shopping, with easy cash back options.
• Rakuten offers cash back from over 3,500 stores, perfect for frequent online shoppers.
• Upside is ideal for saving on gas and even some food purchases.
• Honey helps you find the best coupon codes automatically, saving you money on the spot.
• Swagbucks lets you earn points through surveys and shopping, redeemable for gift cards or cash.

1. Ibotta

Ibotta is a standout app for earning cash back on groceries, among other things. It’s super handy whether you’re shopping in-store or online. To get started, download the app or use the browser extension, and explore the various cash back offers available. You can find deals on everyday items like bananas and milk, as well as on purchases from major retailers like Target, Walmart, and Amazon.

How to Use Ibotta

1. Download the App or Extension: Start by getting the Ibotta app on your phone or add the browser extension on your computer.
2. Activate Offers: Before shopping, browse through the available offers and add them to your list. This step is crucial to ensure you earn cash back.
3. Shop and Redeem: After shopping, upload your receipt through the app, or if shopping online, the offers get applied automatically. You can also link a store loyalty account to make this process seamless.

Redeeming Your Savings

Once you’ve accumulated $20 in cash back, you can redeem it. The options include direct deposits into your bank account, or you can opt for gift cards. The average user earns between $10 to $20 each month, but active users can earn up to $300 monthly.

Ibotta is a fantastic tool for anyone looking to save on groceries and more. Just remember to activate those offers before you shop!

For those interested in saving money through couponing, Ibotta is a great choice alongside other apps like Fetch.

2. Rakuten

Rakuten, formerly known as Ebates, is a popular choice for those looking to earn cash back on their everyday shopping. It’s incredibly simple to use, making it a favorite among shoppers. Here’s how you can make the most out of Rakuten:

• How to Get Started: Sign up using your email and create a password. You can access Rakuten via their website, app, or browser extension.
• Earning Cash Back: Once you have an account, shop through Rakuten’s platform. Choose from over 3,500 retailers and earn cash back on eligible purchases.
• Payment Options: Rakuten pays out your cash back quarterly, either through PayPal or a mailed check. You decide which method works best for you.

Rakuten is a straightforward way to put some money back in your pocket. The quarterly payout might not be ideal for everyone, but the savings can add up over time.

Pros

1. Easy to use across multiple platforms (website, app, browser extension).
2. Large network of participating retailers.
3. Offers a $10 welcome bonus for new users.

Cons

1. Cash back is only paid out every three months.
2. Some items may not be eligible for cash back.
3. Rakuten reserves the right to close accounts without prior notice.

Despite its drawbacks, Rakuten remains a solid option for those who don’t mind waiting a bit longer for their cash back rewards. Plus, with the potential to earn Membership Rewards points if you have an eligible American Express card, it’s worth considering for savvy shoppers. Keep an eye out for Double Cash Back deals to maximize your savings!

3. Upside

When it comes to saving money on gas, Upside is a standout app. It’s not just about filling up your tank; Upside also offers cash back on groceries and dining out. But, let’s be real, the main draw here is the gas savings.

How Upside Works

1. Download the App: First things first, grab the Upside app from your app store.
2. Create an Account: Sign up and get yourself ready to start saving.
3. Find Offers: Look for local offers on gas, groceries, or restaurants.
4. Claim and Purchase: Claim the offer and make your purchase.
5. Verify Purchase: Upload your receipt or check in at the location to confirm.
6. Get Cash Back: Your rewards will be added to your Upside account.

Pros and Cons

• Pros:
• Cons:

Redemption Options

You can choose to receive your cash back through different methods:

• Bank Account: Direct deposit, once you hit a $10 minimum.
• PayPal: A convenient option for many users.
• Gift Cards: Various retailers, with minimums depending on the store.

Upside is a handy tool if you’re out and about, looking to save on everyday expenses. It’s not just another app; it’s a real money-saver for those who drive a lot.

For those who frequently use PayPal, combining this app with a cash-back card can boost your savings even more. Just remember, the key to maximizing benefits is consistency in using the app for every eligible purchase.

4. Honey

Honey is a fantastic tool for anyone who loves finding a deal when shopping online. This app and browser extension automatically finds and applies the best coupon codes available, ensuring you never pay more than you have to. It’s like having a personal shopping assistant that scours the web for discounts while you relax.

Key Features

• Automatic Coupon Finder: Honey scans the web and tests coupon codes on thousands of sites, including big names like Amazon.
• Honey Gold Rewards: Earn points on eligible purchases, which can be redeemed for gift cards.
• Price Tracking: With the “Droplist” feature, you can track the price of items and receive alerts when they drop.

Pros

1. Free to Use: Both the app and browser extension are completely free, making it accessible to everyone.
2. Wide Compatibility: Works with major browsers like Chrome, Safari, and Firefox, and is available as a mobile app.
3. Instant Savings: Unlike other cash back apps, Honey provides savings upfront by applying coupon codes before checkout.

Cons

• Limited Customer Support: Users have noted that customer service can be lacking.
• Expired Coupons: Sometimes, the coupons found may no longer be valid.

Honey is a must-have for anyone looking to save money effortlessly while shopping online. With its seamless integration into your shopping routine, you can enjoy discounts without the hassle of searching for them yourself.

For more details about how PayPal Honey can enhance your shopping experience, check out their features and start saving today.

5. Swagbucks

Swagbucks is a versatile platform that rewards you for a variety of online activities. Whether you’re into taking surveys, watching videos, or just browsing the web, Swagbucks offers a way to earn points, known as Swagbucks (SB), which you can later redeem for gift cards or cash. It’s a simple way to earn money while doing things you already enjoy online.

How to Earn with Swagbucks

1. Surveys: Participate in surveys that match your interests and earn points for each one you complete. Some surveys offer higher rewards than others, so it’s worth checking them out regularly.
2. Shopping: Use Swagbucks to shop online at your favorite stores. You’ll earn points for every dollar spent, and sometimes, you’ll find exclusive deals.
3. Daily Tasks: Engage in daily activities like polls and small tasks to boost your earnings. These tasks are quick and can be done in your spare time.

Redeeming Your Swagbucks

Swagbucks offers a flexible redemption system. You can cash out your points for PayPal money or choose from a wide selection of gift cards from popular retailers. The choice is yours, making it easy to tailor your rewards to your preferences.

Swagbucks might require a bit of patience, especially when it comes to surveys, but the variety of earning opportunities can make up for it. It’s about finding what works best for you and sticking with it.

Despite some users mentioning slow payouts and the occasional need for persistence, Swagbucks remains a favorite among those who enjoy earning rewards through everyday online activities. If you’re looking to boost your credit card rewards this holiday season, Swagbucks could be a handy tool to have in your arsenal.

6. Fetch Rewards

Fetch Rewards is a nifty app that lets you turn your receipts into gift cards. It’s super simple and free to use, making it a favorite among shoppers who want to save without much hassle. You just snap a picture of your receipt from any store, and boom, you start earning points.

How It Works

1. Shop Anywhere: Whether you’re at a grocery store, a restaurant, or shopping online, Fetch Rewards works with all kinds of purchases.
2. Snap Your Receipt: After you shop, take a picture of your receipt using the app. It’s quick and easy.
3. Earn Points: Every receipt earns you points, which can be redeemed for gift cards to places like Amazon or Target.

Pros and Cons

• Pros:
• Cons:

Fetch Rewards has become a go-to for those who want to enhance their holiday shopping experience by maximizing savings. With its user-friendly interface and broad acceptance, it’s a strong contender in the cash-back app market.

7. Receipt Hog

Receipt Hog is a unique cash-back app that turns the mundane task of uploading receipts into a fun and rewarding experience. This app stands out by adding a playful twist to earning rewards, making it more engaging than your typical cash-back program.

How It Works

1. Snap Your Receipts: Simply take a picture of your shopping receipts from any store.
2. Earn Coins: Each receipt earns you coins, which can be redeemed for cash or gift cards.
3. Play Games: Engage in fun activities like slot spins and surveys to earn extra coins.

Key Features

• Gamified Experience: The app includes sweepstakes and bonus opportunities that keep users coming back.
• Versatile Rewards: Coins can be exchanged for gift cards or transferred to your PayPal account for cash.
• User-Friendly Interface: The app is easy to navigate, making the reward-earning process straightforward and enjoyable.

User Ratings

• Apple App Store: 4.7/5
• Google Play Store: 4.7/5

With Receipt Hog, earning rewards feels less like a chore and more like a game. It’s a refreshing way to save money while shopping, and the added fun factor makes it a favorite among users. Whether you’re a frequent shopper or just looking to save a bit here and there, Receipt Hog offers a delightful way to earn back some cash.

8. Dosh

Dosh is a cash-back app that makes saving money on everyday purchases a breeze. Unlike other apps, Dosh automatically credits your account without the need to scan receipts. Simply link your credit or debit card, and when you make purchases at participating retailers, restaurants, or hotels, your cash-back rewards are deposited straight into your Dosh wallet.

Key Features

• Automatic Cash Back: No more scanning receipts. Just shop with your linked card and watch the savings add up.
• Wide Range of Partners: From retail stores to dining and travel, Dosh partners with thousands of businesses.
• Flexible Redemption Options: Once you reach a $25 threshold, you can transfer your savings to PayPal, Venmo, or directly to your bank account.

Getting Started

1. Download the App: Available on both iOS and Android.
2. Link Your Cards: Securely connect your credit or debit cards to start earning.
3. Shop and Earn: Make purchases at participating locations and see your cash back automatically.

Important Note

Dosh will discontinue its cash-back app on February 28, 2025. Make sure to complete qualifying transactions by January 16 and withdraw any remaining balance by February 23.

Pros and Cons

• Pros: Easy to use, no need for receipt uploads, supports charitable donations.
• Cons: Will cease operations soon, limited time to use the app.

Final Thoughts

Dosh has been a favorite for those who appreciate hands-free savings on their daily expenses. Its seamless integration with your existing spending habits makes it a convenient choice, though users should be aware of its upcoming closure. If you haven’t tried it yet, now’s the time to take advantage of its benefits before it’s gone.

9. RetailMeNot

RetailMeNot is a well-known name in the realm of savings, originally starting as a coupon site and evolving into a cash-back powerhouse. This app is perfect for those who love stacking savings, thanks to its ability to combine coupon codes with cash-back offers.

Key Features

• Stackable Savings: One of the standout features of RetailMeNot is the ability to stack coupon codes along with cash-back offers. This means you can maximize your savings on every purchase.
• Wide Range of Stores: RetailMeNot partners with numerous retailers, giving you a broad selection of stores to earn cash back from.
• Easy Payouts: Cash back is conveniently paid out via PayPal or Venmo, making it easy to access your savings.

How to Use RetailMeNot

1. Download the App or Browser Extension: Start by downloading the RetailMeNot app or adding the browser extension.
2. Browse for Coupons and Deals: Search for the latest coupon codes and cash-back offers from your favorite stores.
3. Shop and Save: Apply coupon codes at checkout and activate cash-back offers to see your savings grow.

RetailMeNot not only helps you save money, but it also makes the process fun and engaging. Instead of just shopping, you’re on a savings hunt, finding the best deals and offers to make your wallet happy.

User Ratings

• Apple App Store: 4.8/5
• Google Play Store: 4.8/5

RetailMeNot is a great tool for anyone looking to make the most out of their shopping budget. Whether you’re a seasoned bargain hunter or just starting, this app simplifies the process of saving money while shopping.

10. CoinOut

CoinOut is a simple yet effective cash-back app that doesn’t require you to shop at specific stores or hunt for deals. All you need to do is scan your receipts and watch the savings add up. This app is designed for those who want a hassle-free way to earn some extra cash without jumping through hoops.

Key Features

• No Store Restrictions: Unlike some other cash-back apps, CoinOut doesn’t tie you to a specific list of retailers. You can shop anywhere and still earn rewards.
• Easy Receipt Scanning: Simply snap a picture of your receipt, and CoinOut takes care of the rest. It’s a straightforward process that anyone can follow.
• Flexible Payout Options: Cash out your earnings via PayPal or choose to receive gift cards. The choice is yours, making it convenient to use your rewards in the way that suits you best.

User Experience

• User-Friendly Interface: The app is designed to be intuitive, making it easy for users of all ages to navigate and use effectively.
• Quick Processing: Once you submit a receipt, CoinOut processes it swiftly, so you don’t have to wait long to see your earnings.

CoinOut is perfect for those who prefer simplicity and efficiency in their cash-back apps. Without any complicated rules or restrictions, it’s a great choice for anyone looking to earn cash back with minimal effort.

For those interested in exploring other financial tools, you might want to discover top investing apps tailored for various users, including robo-advisors and DIY investors.

11. Shopkick

Shopkick is a fun and engaging cash-back app that rewards you with “kicks” for both online and in-store activities. Whether you’re browsing products online, visiting a store, or even just walking in, Shopkick offers a variety of ways to earn rewards.

How to Earn Kicks

1. Walk-ins: Simply enter a participating store and earn kicks just for walking in.
2. Scanning Barcodes: Use the app to scan barcodes of specific products for additional kicks.
3. Purchasing Items: Earn kicks by buying items and submitting your receipt.

Redeeming Your Kicks

Kicks can be redeemed for gift cards to popular retailers, allowing you to save on future purchases. This makes Shopkick not only a rewarding app but also a versatile one.

Pro Tip: Shopkick is perfect for those who love to shop and explore new products without the pressure of immediate purchases. It’s like a scavenger hunt where you get rewarded just for participating.

Why Shopkick Stands Out

• Variety of Earning Methods: Unlike other cash-back apps that focus solely on purchases, Shopkick offers multiple ways to earn.
• No Purchase Necessary: You can earn kicks without spending a dime, making it accessible for everyone.
• Engaging Experience: The app turns shopping into a game, making it a fun experience rather than a chore.

In summary, Shopkick is not just about spending money to get cash back; it’s about enjoying the shopping process and getting rewarded for it. If you’re someone who enjoys a little adventure while shopping, Shopkick might just be the app for you.

12. Capital One Shopping

Capital One Shopping is a nifty tool for anyone who loves snagging the best deals while shopping online. It’s like having a personal shopping assistant that works tirelessly to ensure you’re not overpaying for your purchases. Here’s a closer look at what makes it stand out:

How It Works

• Browser Extension: Simply install the Capital One Shopping extension on your browser. No need for a Capital One account.
• Automatic Price Comparisons: As you browse, it checks prices across thousands of merchants.
• Coupon Code Finder: Automatically searches for and applies valid coupon codes during checkout.

Shopping Rewards

Though you can’t cash out directly, you earn Shopping Rewards on select purchases, redeemable for gift cards. This might not be ideal for everyone, but it’s a neat way to earn a little extra while shopping.

Capital One Shopping is perfect for those who want to ensure they’re getting the best possible deal. Whether you’re looking for price comparisons or coupon codes, it simplifies the process, making online shopping less of a hassle.

Pros and Cons

• Pros:
  1. Easy to use with no account needed.
  2. Saves time by finding deals and coupons.
  3. Offers price drop alerts for items you’re eyeing.
• Cons:
  1. Rewards are only redeemable as gift cards.
  2. Limited to online shopping.

For those who prefer straightforward cash back, the Capital One Quicksilver Cash Rewards Credit Card might be a better fit, offering a simple 1.5% cash back on all purchases without the fuss of points or gift cards.

13. Digit

Digit is a unique cash back app that focuses on helping users save money effortlessly. Unlike traditional cash back apps that offer immediate rewards, Digit uses an algorithm to analyze your spending habits and automatically saves small amounts of money from your checking account. This app is perfect for those who struggle with saving money on their own.

Features of Digit

• Automatic Savings: Digit intelligently determines what you can afford to save and moves that amount to your Digit savings account.
• No Overdrafts: The app guarantees that it will not cause an overdraft in your linked checking account.
• Savings Goals: You can set specific goals, such as a vacation or emergency fund, and Digit helps you reach them.

How Digit Works

1. Link Your Account: Connect your checking account to Digit so it can analyze your spending.
2. Automatic Transfers: Digit will periodically transfer small amounts of money to your savings.
3. Monitor Savings: Keep track of your savings progress within the app.

Using Digit feels like having a personal savings assistant that works quietly in the background, ensuring you save without even realizing it.

Digit isn’t just about saving; it’s about making saving a seamless part of your daily routine. For those who use digital wallets, Digit integrates smoothly, ensuring you enjoy a hassle-free experience with your savings. If you’re looking for a way to save without thinking about it, Digit might be the perfect app for you.

14. Nerdwallet+

Nerdwallet+ is more than just a budgeting tool; it’s a way to turn smart financial habits into tangible rewards. By engaging in activities like budgeting and paying bills, users can earn points which can be redeemed for cash rewards. This makes Nerdwallet+ a standout among cash back apps, especially for those who are already committed to managing their finances responsibly.

Key Features

• Earn Points: Accumulate points for everyday financial activities.
• Redeem Rewards: Convert points into cash, making your financial diligence pay off.
• User-Friendly: Seamlessly integrates with your daily financial tasks.

How It Works

1. Sign Up: Create a free account to start tracking your financial activities.
2. Engage: Use the platform for budgeting, paying bills, and more to earn points.
3. Redeem: Once you’ve accumulated enough points, cash them in for rewards.

Nerdwallet+ transforms the mundane task of managing finances into a rewarding experience, encouraging users to stay on top of their financial game.

Why Choose Nerdwallet+

• Financial Motivation: Provides an incentive to maintain good financial habits.
• Comprehensive Tracking: Offers a holistic view of your financial activities.
• Trusted Platform: With Nerdwallet’s reputation, users can trust the accuracy and security of the platform.

For those who are keen on making their financial decisions count, NerdWallet’s evaluation of money-making apps highlights Nerdwallet+ as a top choice, thanks to its robust features and user-friendly interface.

15. MyPoints

MyPoints is a versatile cash-back app that lets you earn points through a variety of online activities. Whether you’re shopping, answering surveys, or watching videos, there’s always a way to accumulate points. The best part? You can redeem these points for gift cards or cash, adding a little extra to your wallet for things you already do online.

How to Earn with MyPoints

1. Shopping Online: Simply shop through the MyPoints portal at your favorite stores and earn points for every dollar spent.
2. Taking Surveys: Share your opinion on various topics and earn points for each completed survey.
3. Watching Videos: Get entertained and earn points by watching a selection of curated videos.

Redeeming Your Points

Once you’ve gathered enough points, redeeming them is straightforward. You can choose from a wide range of gift cards for popular retailers or opt for cash via PayPal.

MyPoints offers a seamless way to earn rewards for everyday online activities. It’s perfect for those who want to maximize their savings without changing their daily routine.

Key Features

• Wide Variety of Earning Options: From shopping to surveys, there’s something for everyone.
• Flexible Redemption: Redeem points for gift cards or cash.
• User-Friendly Interface: Easy navigation makes earning and redeeming points a breeze.

For those interested in exploring more cash-back options, you might want to check out NerdWallet’s reviews of top cash-back apps, including insights on RetailMeNot, Ibotta, and Fetch.

16. Drop

Drop is a cash back app that’s all about earning rewards for your everyday purchases. You link your credit or debit card to the app, and as you shop, you automatically earn points that can be redeemed for gift cards. It’s simple, and you don’t have to think about it much, which is great if you’re busy.

How It Works

1. Link Your Card: Connect your credit or debit card to the app. Drop tracks your purchases and rewards you with points.
2. Shop and Earn: Make purchases at partnered retailers. Drop partners with a wide range of stores, so there’s a good chance you’ll earn points just by shopping where you normally do.
3. Redeem for Rewards: Once you’ve accumulated enough points, you can trade them in for gift cards to places like Amazon, Starbucks, and more.

Pros and Cons

• Pros:
  • Automatic Tracking: No need to scan receipts or manually enter purchases.
  • Variety of Retailers: Earn points at many popular stores.
  • Flexible Rewards: Choose from a wide selection of gift cards.
• Cons:
  • Limited Redemption Options: While there are many options, some users may find the selection limiting.
  • Points Expiration: Points may expire if not used within a certain timeframe.

If you’re looking for an easy way to earn rewards without having to jump through hoops, Drop might just be the app for you. It’s straightforward and integrates seamlessly with your existing shopping habits.

For those who maintain high balances, the Bank of America® Customized Cash Rewards credit card might be a great companion to earn even more rewards.

17. InboxDollars

InboxDollars is a straightforward way to earn a little extra cash by doing things you might already do online. Signing up gets you a $5 bonus, which is a nice little perk to start with. Basically, you can earn money by completing surveys, watching videos, or even just playing games. It’s not going to make you rich overnight, but it’s a fun way to make some pocket money.

Ways to Earn with InboxDollars

• Surveys: Share your opinions and get paid. The surveys vary in length and payout.
• Games: Play games and earn rewards. It’s entertainment that pays.
• Videos: Watch short clips and earn cash. It’s like getting paid to watch ads.

How to Cash Out

Once you’ve earned enough, you can cash out your balance. Options include receiving a check, a prepaid card, or a gift card. The minimum payout is $30, which might take some time to reach, depending on how active you are.

InboxDollars offers a unique opportunity to earn cash by engaging in everyday online activities. While it won’t replace your day job, it’s a handy way to supplement your income by doing things you might already be doing in your free time.

18. TopCashback

TopCashback might not be the flashiest app out there, but it’s got a loyal following for a reason. It’s all about maximizing your savings without much fuss. The app offers some of the highest cashback rates in the industry, which is probably why so many folks swear by it.

Key Features of TopCashback

• No Minimum Payout Threshold: Unlike some other cashback apps, with TopCashback, you can cash out whenever you want. No need to wait until you hit a specific dollar amount.
• Wide Range of Retail Partners: You’ll find deals from all sorts of places, whether you’re shopping for clothes, electronics, or even booking travel.
• Price Comparison Tool: This nifty feature lets you see where you can get the best deal before you even make a purchase.

How to Get Started

1. Sign Up: Create an account on TopCashback. It’s free, and the process is pretty straightforward.
2. Browse Offers: Check out the available cashback offers. You can do this via their website or app.
3. Shop Through Their Links: Make sure you click through from TopCashback to the retailer’s site to ensure your purchase is tracked.

Using TopCashback is like having a little secret weapon in your pocket. You can effortlessly stack savings by pairing it with other cashback platforms like Mad About Money or Quidco during sales events like Black Friday.

Pros and Cons

Pros:

• High cashback rates.
• No payout threshold.
• Extensive list of partners.

Cons:

• Sometimes tracking issues can occur, requiring you to contact support.
• Payouts can take a few weeks to process.

TopCashback is a solid choice for anyone looking to earn back a little extra on their purchases. While it might not have all the bells and whistles of some other apps, its straightforward approach to savings makes it a favorite for many.

19. BeFrugal

BeFrugal is a cash back app that prides itself on offering some of the highest rebate rates available. With BeFrugal, you can earn up to 40% cash back from over 5,000 stores. It’s a straightforward way to save money while shopping online or in-store.

Key Features

• High Cash Back Rates: BeFrugal offers competitive cash back rates, often higher than other similar apps.
• Sign-Up Bonus: New users can enjoy a sign-up bonus after their first purchase.
• Coupon Integration: The app automatically applies coupons for additional savings.

How It Works

1. Sign Up: Create an account on the BeFrugal website or app.
2. Shop: Browse through the list of participating retailers and shop as usual.
3. Earn Cash Back: Cash back is credited to your account after purchase verification.

BeFrugal is not just about saving money; it’s about making every purchase a rewarding experience. With a mix of cash back and coupon deals, it feels like getting something for free every time you shop.

User Tips

• Check the App Regularly: Offers and cash back rates can change, so it’s a good idea to check before making a purchase.
• Combine Offers: Use BeFrugal with other valuable items and services to maximize your savings.
• Refer Friends: Earn additional bonuses by inviting friends to join BeFrugal.

In summary, BeFrugal is a solid choice for anyone looking to stretch their dollar further. Whether you’re shopping for groceries, clothes, or electronics, BeFrugal helps you save more every time.

20. CashKarma

CashKarma is a nifty little app that lets you earn rewards for doing simple tasks. It’s kind of like getting a pat on the back for things you might already be doing online. You can earn points by taking surveys, watching videos, or even just checking in daily.

How It Works

1. Surveys: Answer questions about products or services, and earn points for each survey you complete.
2. Videos: Watch short clips and get rewarded with points. It’s a pretty easy way to pass the time and earn.
3. Daily Check-ins: Just open the app each day to score some extra points. It’s like a small bonus for being consistent.

Cashing Out

Once you’ve racked up enough points, you can trade them in for gift cards or cash. The flexibility of choosing how you want to redeem your points is a big plus.

Pros and Cons

• Pros:
• Cons:

CashKarma is a solid choice for anyone looking to earn a little extra on the side. It’s not going to make you rich, but it’s a nice way to get something back for your time.

21. RebateKey

RebateKey is a unique cash-back platform that offers a different approach to saving money on your purchases. Instead of the typical instant cash-back, RebateKey provides rebates on purchases made through their platform after a specified waiting period. This can be a great way to save on big-ticket items or bulk purchases.

How It Works

1. Browse Deals: Start by exploring the extensive list of products available on RebateKey. They feature items from various categories like electronics, home goods, and more.
2. Purchase and Submit: Once you find a deal you like, purchase the product through the designated link. After your purchase, submit your order details to RebateKey to initiate the rebate process.
3. Receive Your Rebate: After a waiting period, typically 30-35 days, you’ll receive your rebate via check or PayPal. This delay ensures that the purchase is confirmed and not returned.

Pros and Cons

Pros:

• High Rebates: Often, you can find rebates up to 100% on certain items, making them essentially free.
• Variety of Products: A wide range of products are available, providing options for many interests and needs.
• Simple Process: The process of claiming rebates is straightforward and user-friendly.

Cons:

• Waiting Period: The 30-35 day waiting period for receiving rebates might not suit those looking for immediate savings.
• Limited Stock: Popular items can run out quickly, so timing is crucial.
• Purchase Requirements: Some deals may require minimum purchase amounts or specific conditions.

RebateKey is a fantastic tool for savvy shoppers who don’t mind a little wait to maximize their savings. Its high rebate offers can make a significant difference in your budget if used strategically.

RebateKey stands out in the cash-back app world by offering substantial savings on a wide array of products. If you’re patient and strategic, it can be a powerful addition to your savings toolkit.

22. Fetch

Fetch is a straightforward app that rewards you with gift cards for shopping just about anywhere. The beauty of Fetch is that you don’t need to hunt for deals or shop at specific partner stores. You simply snap a photo of your receipt from any purchase, and points start rolling in.

Features

• Universal Shopping: Whether you’re buying groceries, dining out, or picking up a new gadget, Fetch rewards you for every receipt.
• Partner Brands: While you can earn points from any store, shopping with Fetch’s partner brands can boost your points.
• Receipt Options: Fetch accepts both electronic and paper receipts, making it versatile and easy to use.

Pros

1. Simplicity: No need to pre-select offers or activate deals.
2. Flexibility: Shop anywhere, anytime.
3. Combination: Use alongside other apps like Ibotta for double rewards.

Cons

1. Gift Cards Only: Rewards are limited to gift cards, not cash.
2. Point System: It takes 1,000 points to earn a $1 gift card credit, which can feel slow.

Fetch is a great option if you’re looking to earn rewards without jumping through hoops. It’s all about making your everyday shopping work for you without the hassle.

For more insights on personal finance and smart shopping, consider the expert advice from Kimberly Palmer, a renowned personal finance expert at NerdWallet.

23. Cash App

Cash App is a versatile tool that not only lets you send and receive money quickly but also offers a unique cash-back feature. This feature is particularly appealing for those who already use the app for its primary purpose, making it a convenient choice for many.

Key Features

• Boosts: Cash App’s Boost feature allows you to save money instantly when you use your Cash Card at restaurants, coffee shops, and other retailers. It’s like having a digital coupon right in your pocket.
• Bitcoin: You can buy, sell, and hold Bitcoin directly in the app, making it a one-stop shop for both cash back and cryptocurrency enthusiasts.
• Direct Deposits: With Cash App, you can set up direct deposits for your paycheck, which can help you access your funds faster than traditional banking methods.

How to Maximize Your Savings

1. Activate Boosts Regularly: Make sure to check the available Boosts before you make a purchase. These can change frequently and offer different savings opportunities.
2. Use the Cash Card: By using the Cash Card for your purchases, you ensure that you are eligible for the Boost discounts and cash back.
3. Refer Friends: Cash App offers referral bonuses when you invite friends to join the app. This can be an easy way to earn extra cash.

Cash App is more than just a money transfer service; it’s a platform that offers various ways to save and earn money. With its user-friendly interface and multiple features, it’s a great option for anyone looking to make the most out of their everyday spending.

For those looking to maximize their savings, consider exploring high-yield savings accounts that offer competitive APYs. These accounts can complement your cash-back earnings from apps like Cash App, providing a well-rounded approach to managing your finances.

24. PayPal

PayPal isn’t just for sending money to friends or paying for eBay purchases. It’s also a handy tool for getting some cash back from various apps. What makes PayPal appealing is its versatility and ease of use. Many cash back apps, like Dosh and Rakuten, offer PayPal as a payout option, making it a favorite among users.

How to Use PayPal for Cash Back

1. Link Your Account: Start by linking your PayPal account to the cash back app of your choice. This is usually found in the app’s settings under payment options.
2. Accumulate Cash Back: Use the app to shop through their offers. Once you reach the minimum payout threshold, you can transfer your earnings to PayPal.
3. Receive Your Funds: After transferring, log into your PayPal account to see the funds. You can then use this money for online shopping, sending to friends, or transferring to your bank.

Benefits of Using PayPal

• Widely Accepted: Many cash back apps support PayPal, offering flexibility in how you receive your earnings.
• Secure Transactions: PayPal provides an extra layer of security, keeping your financial information private.
• Fast Transfers: Once the cash back app processes your payout, the funds usually appear in your PayPal account quickly.

PayPal’s integration with cash back apps simplifies the process of getting your savings, offering a seamless experience for users who want to make the most of their shopping rewards.

Starting in 2026, platforms like Venmo, PayPal, eBay, and Etsy will be required to issue IRS Form 1099-K to businesses and sellers, following new legislation. This change highlights PayPal’s role in formalizing transactions, ensuring both buyers and sellers are on the same page when it comes to finances.

25. and more

Exploring cash back apps can be a bit overwhelming with so many options, but there are even more that deserve a mention. These apps might not have made the top 24, but they still offer unique benefits that can help you save money.

1. Pei

Pei is an app that automatically rewards you with cash back when you shop at participating retailers. All you need to do is link your credit or debit card to the app, and it will track your purchases. It’s a simple way to earn back some of what you spend without having to think about it.

2. ReceiptPal

ReceiptPal allows you to earn rewards by snapping photos of your receipts. It’s a straightforward process: shop, snap, and earn. The app provides points for every receipt you upload, which can be redeemed for gift cards or cash.

3. Spent

Spent not only offers cash back but also helps you track your expenses. This app is great for those who want to combine savings with budgeting. By linking your cards, you can see where your money goes and earn cash back from select purchases.

4. TruNow

TruNow focuses on gas stations, providing cash back on fuel purchases. This app is ideal for frequent drivers looking to cut down on their gas expenses. You can find participating stations on the app, fuel up, and earn cash back.

5. Lolli

Lolli is a bit different as it gives you Bitcoin as cash back. This app is perfect for those who are interested in cryptocurrency. Shop online at partnered stores, and you’ll receive a percentage of your purchase amount in Bitcoin.

6. Ampli

Ampli is a Canadian cash back app that offers rewards for shopping at popular brands. It’s simple to use: link your bank account, shop, and earn cash back. Ampli also runs special promotions that can boost your earnings.

Cash back apps are a fantastic way to make the most of your spending. Whether you’re interested in traditional cash rewards or something a bit more unique, like cryptocurrency, there’s likely an app out there to suit your needs. It’s all about finding the right fit for your shopping habits and financial goals.

Remember, some cash-back credit cards also offer significant bonuses, so it’s worth exploring all your options to maximize savings.

Conclusion

In the end, picking the right cash back app really boils down to what fits your lifestyle best. Whether you’re all about stacking those rewards or just want something simple, there’s an app out there for you. Some folks might prefer the instant gratification of reward points, while others are okay waiting for that quarterly payout. And hey, if you’re into gamified experiences, apps like Receipt Hog might just be your thing. Just remember, these apps are all about saving a little here and there, so find one that you actually enjoy using. After all, saving money should be as painless as possible, right? So go ahead, try a few out, and see which one helps you keep a bit more cash in your pocket.

Frequently Asked Questions

What are cash back apps?

Cash back apps give you a little money back when you shop. You can use them at stores, online, or even when you buy gas or eat out. They help you save by giving you a percentage of your purchase back as cash or points.

How do I choose the best cash back app?

Think about what you buy most. If you shop for groceries a lot, pick an app like Ibotta. For online shopping, Rakuten might be better. Check how they pay you too, like through gift cards or PayPal.

Can I use more than one cash back app at the same time?

Yes, you can use more than one app to get more savings. Some apps let you submit the same receipt to different apps, so you can earn rewards from each one.

Do cash back apps cost anything to use?

Most cash back apps are free to download and use. They make money from the stores, not from you. Just watch out for any fees if you choose to cash out your rewards in certain ways.

How do cash back apps pay me?

Cash back apps pay you in different ways. Some let you cash out to PayPal, others give you gift cards, and some even let you transfer money to your bank account. Check each app to see how they pay.

Why are some cash back apps better for certain purchases?

Different apps have deals with different stores. For example, Upside is great for gas, while Fetch Rewards works well for groceries. Choose apps based on what you buy most to get the best savings.