13 Best Cash Back Apps To Make Extra Money

13 Best Cash Back Apps To Make Extra Money

Earning rewards and earning money has never been easier, thanks to cash back apps. These platforms let users get money back on their daily buys. They’re great for those wanting to save more.

Choosing the right cash back apps can be tough with so many rewards programs out there. This article will show you the top 13 cash back apps. They can help you earn money from your daily spending.

Key Takeaways

• Earn money back on everyday purchases with top cash back apps
• Discover the most effective rewards programs for maximizing savings
• Explore the top 13 cash back apps to make extra money
• Learn how to get the most out of your daily spending with cash back apps
• Understand the benefits of using cash back apps for your purchases

Understanding Cash Back Apps

Cash back apps help you earn rewards on everyday purchases. They give you a percentage of your money back. This can be in cash or as credit for future buys.

These apps are popular because they’re easy to use and can save you a lot. But, have you ever thought about how they make money and why they’re so profitable?

How Cash Back Apps Generate Revenue

Cash back apps make money through affiliate marketing. When you buy something through the app, the app gets a commission. Then, they give you a part of that commission as cash back.

They also sell user data to other companies. This data is anonymous and helps businesses understand what people like. It’s another way they make money.

Types of Cash Back Rewards

Cash back rewards can be different. Here are a few:

• Percentage-based cash back
• Fixed amount cash back
• Bonus rewards for specific categories

Some apps also offer special discounts and deals. This makes the rewards even better. You can pick the app that fits your shopping style best.

Type of Reward	Description	Example
Percentage-based	A percentage of the purchase amount is returned	5% cash back on groceries
Fixed Amount	A fixed amount is returned per purchase	$2 cash back on coffee
Bonus Rewards	Additional rewards for specific categories	10% cash back on travel

Benefits of Using Cash Back Apps

Cash back apps make earning passive income easy. They are great for smart shoppers. These apps offer many benefits that make shopping better.

Earning Passive Income

One big plus of cash back apps is earning passive income. Users can get money back on their buys with little effort. This creates a steady income over time.

Savings on Regular Purchases

Cash back apps also help save money on daily buys. Whether it’s food, fuel, or eating out, you get rebates. These can lead to big savings.

Stacking Rewards with Credit Cards

Another perk is stacking rewards with credit cards. Using cash back apps with credit card rewards can boost earnings. This means more savings and benefits.

Benefit	Description	Potential Savings
Earning Passive Income	Minimal effort required to earn money back	Up to 10% cash back
Savings on Regular Purchases	Rebates on everyday purchases	5%-15% savings
Stacking Rewards with Credit Cards	Combining cash back apps with credit card rewards	Potential to double rewards

How to Maximize Your Earnings with Cash Back Apps

To get the most from cash back apps, knowing the best strategies is key. Pay attention to how you shop and use the app’s features. This way, you can earn more rewards.

Strategic Shopping Tips

Shopping smart is a great way to earn more cash back. It’s important to know the offers on your apps and plan your buys. This helps you get the most cash back.

• Monitor the offers: Keep an eye on the cash back offers available on your chosen apps.
• Plan your purchases: Align your shopping with the offers that provide the highest cash back.
• Avoid impulse buys: Stick to your shopping list to maximize your earnings.

Combining Multiple Apps

Using more than one cash back app is another smart move. It lets you find more offers and earn more cash back. This way, you can save more.

App	Cash Back Offer	Additional Benefits
Rakuten	Up to 40% cash back	Browser extension for automatic cash back
Ibotta	Up to $20 cash back per purchase	Exclusive offers for grocery shopping
Fetch Rewards	Points for every receipt	Simple and easy to use

By using different apps and shopping wisely, you can maximize your earnings. You’ll save a lot in the process.

Rakuten: The Cash Back Giant

Rakuten is a standout among cash back apps. It offers a wide range of services and is easy to use. As a leader in cash back, Rakuten has built a strong market presence.

Rakuten Overview

Rakuten is a well-known rewards platform. It gives cash back to users for shopping through its network of partnered retailers. With over 2,500 stores, including big names like Walmart and Macy’s, Rakuten offers lots of shopping choices.

Users can access Rakuten through its website and mobile app. This makes it easy to earn cash back anytime, anywhere. Rakuten’s simple design and cash back process have made it popular with shoppers.

Pros

Rakuten has many benefits, including:

• Extensive Retailer Network: Users have access to thousands of stores.
• Easy-to-Use Platform: Rakuten’s site and app are designed for a smooth experience.
• Competitive Cash Back Rates: Rakuten offers some of the best cash back rates around.

Cons

While Rakuten has many good points, there are some downsides:

• Minimum Payout Threshold: You need to reach a certain amount before you can cash out.
• Limited International Shipping: Some retailers may not ship internationally.

Features

Rakuten’s main features are:

• Cash Back on Purchases: Get a percentage of your purchase back as cash.
• Exclusive Deals: Get access to special deals and discounts.
• Browser Extension: A handy browser extension that alerts you to cash back opportunities.

As “the cash back giant”, Rakuten remains a top pick for those looking to earn more through cash back rewards.

Ibotta: Grocery Savings Powerhouse

Ibotta is changing the game in grocery savings with its easy-to-use app and big rebates. It gives cash back on many grocery items. This makes it a top choice for smart shoppers wanting to cut their costs.

Key Features and Benefits

Ibotta’s main job is to give users cash back on their grocery buys. It works with many brands and stores to offer rebates on items like dairy, produce, and household goods.

Pros

Ibotta shines with its user-friendly interface. It’s easy to find and use offers. Plus, it offers generous rebates on lots of products, attracting many users.

Cons

While Ibotta saves a lot, some users might find their favorite brands or products not always available. Also, cashing out might need a certain amount, which could slow down getting your money.

Features

Ibotta has cool features like personalized offers based on your shopping habits. It also has receipt tracking to earn cash back by uploading your receipts.

Using Ibotta’s features and offers can really cut down your grocery costs. It’s a must-have for anyone looking to save on everyday expenses.

Fetch Rewards: Scan Receipts for Points

Earning rewards is now easier with Fetch Rewards. This app lets you scan receipts for points. It makes earning cash back simple, without needing coupons or rebates.

Overview

Fetch Rewards is a cash back app that rewards users for buying certain items and scanning receipts. It’s different from other apps because you don’t need to clip coupons or look for offers before you shop.

Pros

Easy to Use: Just take a photo of your receipt to earn points. No Coupons Required: You don’t have to clip coupons or look for offers before shopping.

Cons

Limited Offers: Some users might find fewer offers than other cash back apps. Points System: The points system might not be as clear as cash back.

Features

Fetch Rewards has a simple interface and many features, including:

• Earning points on any receipt
• Redeeming points for gift cards
• Special offers and bonus points

Feature	Description	Benefit
Receipt Scanning	Snap a photo of your receipt	Earn points on any purchase
Points Redemption	Redeem points for gift cards	Flexible reward options
Special Offers	Participate in special offers and bonuses	Increase your earnings

Fetch Rewards makes earning cash back easy. It’s a great choice for those who want rewards on their daily purchases.

Dosh: Automatic Cash Back

Dosh makes earning cash back easy by automatically rewarding users on their purchases. It offers cash back at thousands of stores, both online and in-store. You don’t need to clip coupons or scan receipts manually.

Key Features and Benefits

Dosh is a simple way to earn rewards. Here’s how it works and its main features.

Overview

Dosh is an app that gives you cash back on purchases at participating retailers. It connects to your credit or debit card. This means you don’t have to track purchases or scan receipts manually.

Pros

• Automatic Tracking: Dosh tracks your purchases and adds cash back rewards to your account.
• Broad Retailer Network: Dosh has thousands of retailers, giving you many chances to earn cash back.
• User-Friendly Interface: The app is easy to use, making it simple to track your rewards.

Cons

• Limited Control: Some users might worry about Dosh’s access to their purchase data.
• Potential for Technical Issues: Like any app, Dosh might have technical problems with tracking purchases or rewards.

Features

Dosh’s main features include automatic cash back, an easy-to-use interface, and a wide network of retailers. It also gives you updates on your cash back earnings in real-time.

Dosh makes saving money on everyday purchases easy. Whether you shop online or in-store, Dosh’s automatic cash back is a great addition to your shopping routine.

Honey: Browser Extension for Savings

Online shopping just got more rewarding with Honey. This browser extension helps users save money with automatic cash back and coupon applications.

Honey is more than just a tool; it’s a shopping companion. It works tirelessly to ensure you get the best deals online. By automatically applying coupon codes at checkout, Honey saves users time and money. This makes it an indispensable asset for frequent online shoppers.

Key Features and Overview

Honey’s functionality is centered around its ability to automatically apply coupons and provide cash back rewards. It seamlessly integrates with numerous online retailers. This makes it a versatile tool for a wide range of shopping needs.

Pros

• Automatic Coupon Application: Saves time by automatically applying the best coupon codes at checkout.
• Cash Back Rewards: Offers cash back on purchases, providing an additional layer of savings.
• User-Friendly Interface: Easy to install and use, with a simple interface that makes navigating its features straightforward.

Cons

• Limited Offline Functionality: As a browser extension, Honey’s functionality is limited when shopping offline or through mobile apps.
• Cash Back Variability: The amount of cash back can vary significantly between retailers. Some users may find the rewards not as substantial as expected.

Features

Honey’s standout feature is its ability to automatically search for and apply coupon codes. This ensures users get the best possible deal. It also offers a cash back program that rewards users for their purchases. This further enhances the savings.

By integrating Honey into their online shopping routine, users can enjoy a more streamlined and rewarding experience. They get savings and cash back rewards.

Capital One Shopping: Price Comparison Tool

Capital One Shopping is more than just a tool for comparing prices. It’s a way to save money and earn cash back rewards. This browser extension helps users find the best deals by comparing prices across many retailers.

Overview

Capital One Shopping is a platform that compares prices and offers cash back rewards. It’s great for anyone wanting to save money when shopping online.

Pros

• Earn cash back on top of price matching savings
• Extensive retailer network for comparison
• Easy-to-use browser extension

A study shows using price comparison tools can save a lot of money over time. Capital One Shopping makes it simple to take advantage of these savings.

Cons

• Limited availability in some regions
• Cash back offers may vary

It’s important to read the terms and conditions to get the most out of Capital One Shopping.

Features

Some key features include:

• Price matching and cash back
• Coupon code application
• Real-time price alerts
• “The best investment is in the tools that help you save and earn.”

Swagbucks: Earn Through Various Activities

Swagbucks is a unique platform where you can earn in many ways. It lets you collect points for cash, gift cards, or charity donations. This makes it a great place to earn rewards.

Key Features and Benefits

Swagbucks is easy to use, helping you earn more. You can get rewards by taking surveys, watching videos, shopping online, and searching the web.

Pros

Swagbucks is versatile and easy to use. It offers many ways to earn points. This makes it a great choice for earning rewards.

• Earn through various activities like surveys and video watching
• Redeem points for cash, gift cards, or charity donations
• User-friendly interface for easy navigation

Cons

Some activities might not pay as much. Also, the earnings might not be as high as other platforms that focus on one activity.

• Some activities may have lower reward rates
• Earnings might not be as high as on specialized platforms

Features

Swagbucks has cool features like a browser extension and a mobile app. The browser extension alerts you to cash back deals. The mobile app lets you earn anywhere, anytime.

Feature	Description	Benefit
Browser Extension	Alerts users to cash back deals	Maximizes earning
Mobile App	Allows earning on the go	Convenient and flexible
Variety of Activities	Includes surveys, video watching, and more	Keeps earning fresh and engaging

Shopkick: Rewards for In-Store Activities

Shopping in stores just got better with Shopkick. This cash back app rewards users for their favorite shopping spots. It makes shopping more fun and rewarding.

Key Features and Overview

Shopkick rewards users for walking into stores, scanning products, and buying things. It works with many retailers, giving users lots of chances to earn rewards.

Pros

Shopkick is easy to use and offers many ways to earn rewards. Users get kicks for different activities, which can be traded for gift cards or other prizes. The app also gives personalized offers, making shopping better.

Cons

Some might not like always using the app while shopping. Also, the rewards might not be as good for those who don’t shop often.

Features

Shopkick’s main features are:

• Earning kicks for in-store activities
• Redeeming kicks for gift cards or other rewards
• Personalized offers from partnered retailers

Feature	Description	Benefit
Earning Kicks	Users earn kicks for various in-store activities	Redeemable for gift cards or rewards
Personalized Offers	Targeted offers from retailers based on user behavior	Enhanced shopping experience
Gift Card Redemption	Users can redeem kicks for gift cards	Flexible reward options

Upside: Gas and Restaurant Rewards

Earning cash back on gas and restaurant bills is now easier than ever with Upside’s app. This app has become popular for its simple way to offer cash back at gas stations and restaurants.

Overview

Upside is a cash back app that rewards users for their purchases at gas stations and restaurants. It’s designed to be easy to use. This way, people can earn money back on their regular transactions.

Pros

• Easy to Use: Upside’s interface is intuitive, making it simple for users to navigate and earn rewards.
• Significant Savings: Users can earn considerable cash back on their gas and restaurant purchases.

Cons

• Limited Locations: While Upside has a wide network, there are areas and businesses not covered.
• Variable Cash Back Rates: The cash back rates can vary significantly between different locations and merchants.

Features

Upside offers a range of features, including personalized offers and a user-friendly interface. This makes it a great choice for saving on gas and dining out.

The app’s focus on gas and restaurant rewards makes it stand out. It provides a specialized service for everyday expenses.

Coupons.com: Digital Coupons and Cash Back

Coupons.com is a top spot for saving money with digital coupons and cash back. It helps users save on daily buys with lots of digital coupons and cash back deals.

Overview

Coupons.com makes saving easy with its user-friendly site and app. It lets users find digital coupons and get cash back on their buys. This is great for saving money online or in stores.

Pros

Using Coupons.com can lead to big savings on everyday items. You can also get cash back on your purchases. Plus, digital coupons are applied automatically at checkout, so you don’t need to clip physical ones.

Cons

Some cash back offers might not be available for all purchases. Savings can also vary by store and item. Remember to use digital coupons before they expire.

Features

Coupons.com has cool features like automatic coupon application and an easy-to-use interface. It also tracks your cash back, so you can see your savings grow over time.

Feature	Description	Benefit
Digital Coupons	Automatically applied at checkout	Saves time and effort
Cash Back	Earn a percentage back on purchases	Provides additional savings
User Interface	Easy to navigate and use	Enhances user experience

Receipt Hog: Turn Receipts into Cash

Receipt Hog changes how we get cash back on our daily buys. It lets you earn rewards by uploading your receipts. This makes it a great choice for those wanting to earn extra money.

Overview of Receipt Hog

Receipt Hog is a cash back app that rewards users for uploading receipts from different stores. It works on both iOS and Android, reaching more people. Just take a photo of your receipt and upload it to earn points. These points can be traded for cash or other rewards.

Pros

• Easy to Use: The app is easy to use, making it simple to upload receipts and track rewards.
• Variety of Rewards: Receipt Hog offers many rewards, including cash, gift cards, and sweepstakes entries.
• No Purchase Requirements: You can earn rewards without having to buy specific items.

Cons

• Limited Earning: The money you can earn through Receipt Hog might be less than other apps.
• Ads and Promotions: The app may show ads and promotions, which some users find annoying.

Features

Feature	Description	Benefit
Receipt Upload	Upload receipts from various retailers	Earn points for every receipt uploaded
Rewards Catalog	Redeem points for cash, gift cards, or sweepstakes entries	Flexible redemption options
Bonus Offers	Complete specific tasks or achieve milestones to earn bonus rewards	Opportunity to earn extra rewards

Drop: Personalized Cash Back Offers

Drop is changing the game with personalized cash back. It’s a rewards app that fits your style. By focusing on you, Drop has won over many fans looking for a better rewards experience.

Key Features of Drop

Drop’s main feature is personalized cash back on your purchases. Just link your card to the app. Then, it tracks your buys and rewards you with cash back at your favorite stores.

Pros

• Customizable Rewards: Pick the stores and categories you want cash back from.
• User-Friendly Interface: The app is easy to use, making managing rewards simple.
• No Complex Tasks Required: No need to do surveys or watch videos to earn rewards.

Cons

• Limited Merchant Options: While there are many merchants, some users wish for more choices.
• Potential for Data Collection: There are privacy concerns about how Drop uses your purchase data.

Features

Feature	Description	Benefit
Personalized Cash Back	Cash back rewards tailored to user preferences	Maximizes user earnings based on their shopping habits
Card Linking	Users can link their credit or debit cards	Automatically tracks purchases and applies cash back
Merchant Variety	Cash back available at a range of merchants	Offers flexibility and choice for users

A financial expert says, “Apps like Drop are changing the cash back game. They offer rewards that fit you, making it more rewarding.” “The future of cash back is personalization. With apps like Drop, users can enjoy a more tailored experience that aligns with their shopping habits.”

Financial Expert

MyPoints: Versatile Rewards Program

MyPoints is a top rewards program with many ways to earn points. You can earn points by shopping online, watching videos, or taking surveys.

MyPoints Overview

MyPoints lets users earn points by doing different activities. It works with many brands to offer lots of ways to earn. This makes MyPoints a great choice for users.

Pros

• Earn points through various activities like shopping, watching videos, and surveys.
• Redeem points for gift cards or cash via PayPal.
• User-friendly interface makes it easy to navigate and track earnings.

Cons

• Earning opportunities can be limited in certain regions.
• Payout thresholds may apply for some redemption options.

Features

MyPoints has cool features like a user-friendly dashboard and personalized offers. It’s easy to track your earnings and redeem points. “MyPoints has been a game-changer for me. I can earn points while shopping online and redeem them for gift cards.” – Sarah, MyPoints user

FAQ

What are cash back apps, and how do they work?

Cash back apps give users a percentage of their purchase back. They also offer rewards for tasks like shopping at specific stores or scanning receipts.

 

Are cash back apps safe to use?

Most cash back apps are safe, working with well-known brands. Always check their terms and privacy policy to know how your data is used.

 

Can I use multiple cash back apps simultaneously?

Yes, you can use many cash back apps at once. Using several can increase your earnings. Just make sure to know each app’s rules to avoid problems.

 

How do I earn cash back on purchases made with cash?

Apps like Ibotta and Fetch Rewards let you earn cash back on cash purchases. You can upload receipts or link your loyalty cards.

 

Can I earn cash back on online purchases?

Yes, apps like Rakuten and Honey offer cash back on online shopping. You need to shop through the app or use a browser extension to get rewards.

 

How long does it take to receive cash back rewards?

The time to get cash back rewards varies by app. Some, like Dosh, offer it instantly. Others might take a few days or weeks.

 

Are there any fees associated with using cash back apps?

Most cash back apps are free. But, some might charge for extra features or premium memberships.

 

Can I use cash back apps in conjunction with credit card rewards?

Yes, you can combine cash back app rewards with credit card rewards. This can increase your earnings. Just check the rules of both to avoid issues.

 

How do cash back apps generate revenue?

Cash back apps make money through affiliate partnerships, ads, and data analytics. They also earn from sales or referrals.

Conclusion

Using cash back apps is a simple way to earn rewards on your daily purchases. The 13 apps discussed in this article offer a range of benefits. From cash back on groceries to rewards for in-store activities.

By understanding how cash back apps generate revenue and using them strategically, you can maximize your earnings. Whether you’re looking to save on regular purchases or earn passive income, there’s a cash back app that suits your needs.

Start exploring the world of cash back apps today. Discover how you can earn rewards on your everyday spending. With the right apps, you can make extra money and achieve your financial goals.