Cash back apps.
Find details on the best, highest paying cash back apps, most of which are free to use and download on a Samsun Galaxy (Android) or Apple iPhone (iOS). They provide free money, rewards, gift certificates, rebates and more when shopping online or in person. Get details on cash back apps below.
There are cash back apps that pay shoppers for gas they buy, groceries, clothes, cosmetics and more. Not only will they provide free money, but some also offer special discounts, rebates or gift cards in addition. In addition, most of the companies that provide cash back also have websites or browser extensions you can use on a desktop computer, and that is in addition to the app for your Apple iPhone, Samsung Galaxy or tablet. Or look here for a free tablet program.
Read more below on the pros and cons and locate the best cash back apps. Get reviews of how the most popular companies will pay you for shopping. it is possible to get paid when you shop, eat at a restaurant, buying stuff online, fill up your gas tank and almost everything else you do.
What are cash back apps?
Have you ever had a credit card that offers cash back on purchases? Apps do the exact same thing these days - they provide you money for purchases you make. Or have you used a coupon or gift card that is in effect equivalent to free money? If so, you already have some idea of how cash back shopping apps or sites work. The apps that provide money back will pay you for meals you eat at McDonalds, or shopping you do at Family Dollar or WalMart and so much more.
Once you find a cash back app you want, there are two different methods for signing up. Of course you need to download the app to your iPhone or Android phone or tablet, or install a browser extension first.
- One way to sign up is you create an account with the app or website, then log in before doing your online shopping.
- A second option is to create an account with a cash back site then to install a browser extension or use a phone app that activates automatically when you go online.
Once logged in or installed, you then click through to the merchant you plan to shop with, then just do your shopping as you normally would. Thousands of stores, both online and stores, are listed on these cash back websites and apps. There will be retailers such as WalMart or Target, Ulta, the Apple Store, Macy’s, and thousands of other stores that pay you for shopping using an app.
The best cash back apps work with the most stores and retailers. That is one reason you will need to pick the best provider that is also very popular, as the bigger the cash back app or site, the more stores in their network and the more options you have when shopping.
In theory, almost all of your shopping can be completed using a cash back app or site. The cash back site then usually deposits some percentage of your total spend to your account. Or they give a free gift certificate or some other reward. In addition, many of them even offer signup bonuses, so you can earn some money that way.
So why would a cash back app pay you to shop in this way? Why are they free to use and sign up for? There are two primary ways these providers make money:
- They get a "referral bonus" from the merchant or store you spend at, which they then share with you.
- They collect valuable "big picture" marketing data about how, when and where people shop for things.
Use a legitimate cash back shopping app or site
It is generally a safer option to use a cash back app from a legit, major tech company or retailer. The legitimate companies are below, and the risk of using a smaller provider or “start up” is there may be a higher chance of fraud or scams.
Obviously, the next thing you'll be looking at is the percentage of cash back offered per purchase. The higher the better, as it is in effect free money. Or if they provide major rewards or say free gift cards. This isn't a flat rate on all of your purchases, however. Companies have different arrangements in their cash back app or websites (and offer different amounts) for each merchant they partner with. For example, a cash back app may pay less for gas purchases as most people do that every day.
As noted, find a cash back app that pays out for a large number of stores. For example, there are cash back apps that offer money for shopping people do at Starbucks, Best Buy, Home Depot, Dollar General, and other major stores. In addition to the list of partner merchants and the amounts offered, you'll want to consider all of the following:
- The available payment methods (check, bank transfer, credit card, PayPal, Venmo and so on).
- The minimum amount required to receive a payment.
- The number of stores available to shop at online or in the cash back app, and do they meet your needs.
- How often you can cash out.
- Ensure they are free to sign up for, which they should all be.
- Caps on rebate amounts for big purchases.
- Whether free coupon services can also be combined on the cash back site for further savings and income opportunities.
- Whether they offer a browser extension or mobile application that suits your preferences, and whether the app is free on Android and/or iOS.
- If they collect shopping data, and whether or not it is anonymized.
- Signup bonuses.
The best cash back shopping apps
The following reviews are the biggest and most reputable of the cash back shopping sites as well as smartphone apps. They will have the most retailers available for shopping, and the ones that shoppers most frequently use. The free apps for Apple or Samsung, or their websites have the most customers, retailers, members, and savings! They also do not charge membership fees and are free to use both on iOS and Android phones.
Rakuten (formerly Ebates)
Rakuten is one of the most familiar names in the cashback shopping world, having been around since 1998 and the company is legit. They were one of the first sites to offer a mobile app that can be used to scan barcodes at retail stores, and support pretty much all of the major internet browsers. They also have thousands of stores to shop at, and get cash back from, including Old Navy, Pet Smart, Live Nation and others.
The app has rebates and free cash back offers for clothing, electronics, travel, and more. Rakuten partners with over 2,500 stores, including major retailers like Walmart and Amazon. IT is available on iOS as well as the Google Pay Store.
Pros:
- Browser extension that notifies you of available offers when you visit any partner website.
- Thousands of retailers are available to shop at, including major companies such as Amazon.
- Very broad range of available sites and shopping categories.
- Requires very little personal information to sign up.
- Welcome bonus after spending $25 within the first 90 days.
Cons:
- You can't have more than one account per household (based on your IP address).
- Balance is only paid out four times a year (every three months starting in February).
- Maximum rebate of $50 on larger purchases.
Rakuten has many other aspects to it. But is is one of the largest and most well known cash back rebate site. Learn more about Rakuten - Ebates.
Dosh
Dosh is a free cash back app that pays you money for doing the things you already do, including shopping. Simply download the Dosh app from the Apply App Store or Google Play, connect your debit and credit cards and live your life as normal.
- Dosh is partnered with thousands of brands and merchants nationwide. Every time you shop, dine out, or pump gas and pay with your linked cards, Dosh will automatically search for available offers and check to see if you are interested.
- The most common reward is to get 10 percent cash back on whatever you buy or where you shop and have the money deposited into your Dosh Wallet. You can then transfer this money directly to your bank account, PayPal or even donate it to charity.
Swagbucks
Swagbucks is an interesting site (as well as their iOS and Android app) that blends a number of different online money-making activities that anyone can do. This allows families the ability to earn money from shopping as well as multiple sources, such as playing games. Cash back rebates are a significant portion of their offerings, however, with over 1,000 partner merchants including many of the biggest names in retail.
Shoppers earn "swagbucks" both from their shopping and activities on the site, and cash these in for various rewards. Learn more on how to earn money on Swagbucks.
Pros:
- Free Swagbucks (SBs) can be redeemed for gift cards from retailers like Amazon, or you can opt for cash back via PayPal. Swagbucks often offers sign-up bonuses and a wide variety of ways to earn.
- Added activities for earning money on the website or in the apps including surveys, games and watching videos, all of which pay out.
- Instant cashouts with very small minimums.
- Cash back percentage goes as high as 8% with some of their merchants.
Cons:
- One extra non-automated step to getting rewards (using Swagbucks to buy a reward).
- You can receive PayPal funds, but there is no way to get a direct check or bank transfer.
Ibotta
The free to download app is for both Apple iOS as well Samsung. Ibotta is a cash back app that targets grocery shoppers, but it also provides cash back from online stores, restaurants, and more. Users need to upload their receipts to earn cash back, making it a bit more labor-intensive. Find how to get Ibotta here
- Pros: Ibotta partners with over 5,000 brands and retailers, including Costco and Target. The cash back percentage varies by store, and there are often special deals and bonuses. They also work with restaurant chains, including Chipotle, Dunkin, Starkbucks, Wendys, Burger King and others on providing free money for what you spend.
- Cons: Some users might find the process of scanning receipts and selecting specific items a bit tedious.
BeFrugal
Though BeFrugal offers cash back options at thousands of stores, the site has an added focus on coupons as well as free rewards from the app. That's because it started as a coupon site back in 2009 before adding cash back shopping options (and quickly growing to become one of the largest of these sites). Among the major retailers they provide free rewards, coupons or cash for shopping include Dell, WalGreens, Reebok and many others.
Pros:
- Usually has the largest range of merchants available online, and save even more money by using free coupons on the site or in the app.
- Direct added coupon offers at many merchants
- Widest range of cash-out options (check, direct deposit, PayPal or gift cards).
- Has a browser extension with automatic offer notifications at merchant sites (like Ebates).
- 125% "best cashback rate guarantee" that matches to many of their competitors.
Cons:
- Minimum cashout amount of $25.
- You can request a cashout at any time once over $25, but it can take up to two months to process.
Upside App - Cash back for gas, groceries and meals
Upside is a platform that provides cash back when you make purchases at gas stations, grocery stores, and restaurants in the United States. Users can browse offers in their local area. For cash back for gas, including at Exxon, Pilot, Shell, Circle K, BP and others. They also give cash for shopping at grocery stores such as Kroger, Stop and Shop, Family Dollar, and even WalMart.
Users claim an offer pay with any credit or debit card. After the purchase, upload a picture of their receipt through the Upside app, which is on both iOS and Google Play. Upside verifies the purchase and then gives cash back to the user's account, which can be as high as $0.25 per gallon. So if you buy 10 gallons of gasoline, customers may get $2.50 in free money from the app. Learn more and find how to get the Upside app gas.
Mr. Rebates
Mr. Rebates is one of the longer-running cash back sites, first established in 2002. They provide free gift cards, cash back for gas or food stores and partner with thousand of online and local stores. The app was created more recently for both iOS as well as Google Play. The site has a simple and clean interface that it hasn't messed with much over time as users tend to love it, but they have also modernized by adding browser extensions and mobile apps.
Pros:
- Minimum cashout threshold of only $10 (and can be requested anytime).
- One of the larger selections of retailers available online and in the app.
- Offers a signup bonus.
Cons:
- Can take up to 90 days to receive your cash.
- Purchases may not appear in your account for up to 30 days.
Paypal cash back (formerly Honey)
Honey, which is now part of Paypal / Venmo, offers free cash back for customers on tens of thousands of retailers. This is one of the, if not largest, online shopping providers in the words with the best deals, service, free reward programs, and other advantages. Honey/Paypay has a free cash back element has also been introduced both in the apps as well as browser extensions. "Honey Gold" is their rebate program, offered at select partner sites and online retailers in addition to any coupon savings that are available. Get the Paypal Reward app here.
Pros:
- Has an innovative browser extension that not only searches a site for the best price on a type of item, but will also search for coupon codes to apply to it.
- Offers a significant bonus amount on your first purchase.
- The Honey cash back program is included right in the Honey and Venmo apps as well, as Paypal owns all three of those services.
- Tracks product prices over time across merchant partner sites and can be set to email you when prices drop to a certain point with coupon savings.
Cons:
- Honey Gold can only be redeemed for gift cards.
- While Honey does price and coupon searches for nearly every major retailer, only select retailers and product types are eligible for Honey Gold.
TopCashBack
TopCashBack was founded in 2005 in the United Kingdom and quickly became that region's largest and most popular cash back portal. The site expanded to the United States in 2012 and has experienced similar success as both an app and website.. The avaerage user gets $400 to $500 per year in money, rewards and other benefits when shopping with this app.
Pros:
- Added 3% bonus when you choose to cash out with an Amazon gift card, and since Amazon is the largest online shopping site it can allow you to save even more money.
- Usually has the highest cashback rates on Amazon.
- Can have multiple accounts per household / IP address, so open an account for each family or household member.
- Periodic contests that give you a high chance of winning bonus funds.
- Frequent added bonuses with a minimum spend at certain merchants.
Cons:
- Can take up to 90 days to receive your money.
- If you have to file a claim for a missing or inaccurate purchase, there is no guaranteed timeframe in which it must be resolved (users report resolution times ranging from 2-12 months).
Fetch Rewards - Cash back for brand shopping
Fetch Rewards is a mobile shopping platform that rewards users for purchasing specific brands or products for a select number of retailers. While the app is free, unlike some cash back apps, Fetch Rewards doesn't require you to activate offers before you shop.
- Pros: Fetch Rewards is easy to use—simply scan any receipt from a store or grocer, and the app will identify eligible purchases. Points can be redeemed for gift cards.
- Cons: The app only recognizes purchases from specific brands, limiting its use.
Making the most of cash back apps
You can use multiple cash back apps as well as websites. Also, combine the free money you can earn (and the savings) with coupons and other sources of funds, even such as cash back credit cards. Just keep in mind that you can't use them simultaneously, and spreading things around too thin might cause your cashouts to take a long time. Percentages and available product categories will also change over time.
Perhaps even more important - remember that you can use a credit card with rewards as well as coupons to shop through these apps for sites for even greater savings! In addition, the apps that provide users with money for shopping are free and on both iOS ans well as Android phones. The funds can help anyone (whether low income or not) save money on their bills and get some “free money!
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