As prices rise due to inflation, personal finance experts recommend looking for ways to save money when shopping online or in person.
This is where cash back apps come in. These platforms allow you to earn cash back for purchases you’re already making. Some reward you for specific purchases, while others can be used for almost anything.
Here are the best cash back apps you can use to save money when you shop.
In This Article
- Top Cash Back Apps
- 1. Fluz
- 2. Fetch Rewards
- 3. BeFrugal
- 4. Upromise
- 5. MyPoints
- 6. TopCashback
- 7. Rakuten
- 8. Swagbuck
- 9. Honey
- 10. Ibotta
- 11. Drop
- 12. Mr. Rebates
- 13. Checkout 51
- 14. Shopkick
- 15. Capital One Shopping
- 16. Dosh
- 17. Upside
- 18. Coinout
- 19. Inbox Dollars
- 20. Coupons.com
- 21. Groupon+
- 22. Freebird
- 23. ReceiptHog
- 24. Acorns Earn
- 25. Belly
- Frequently Asked Questions
- How Do These Cash Back Apps Compare?
Top Cash Back Apps
These days, it seems like there’s a new cash back app available every week. The right one for you will depend on your shopping habits, redemption needs and preferred reward options.
In order of Trustpilot rankings, here are the best cash back apps you can download today to get free money when you shop.
Fluz is one of the highest rated cash back apps because it allows you to earn up to 35% cash back when you shop. However, this app doesn’t work like the others on our list.
When you’re making an online or in-store purchase at a partner retailer, you’ll need to buy a gift card from Fluz for your exact purchase amount.
Then, you’ll use that gift card code to make your purchase, earning a certain amount of cash back.
While you can earn cash back on your purchases, the primary way Fluz encourages users to earn is by referring friends and family. You’ll get a reward when anyone you refer signs up using your referral code or makes a purchase using the app.
2. Fetch Rewards
Fetch Rewards has become one of the most popular cash back apps on the market. You don’t have to link a credit card to get rewards.
Using the app, you scan receipts from any retailer or restaurant. Then, you’ll earn points to redeem for gift cards or cash back rewards.
With Fetch Rewards, you’ll earn a small reward for every eligible receipt you scan. Plus, you’ll receive even higher rewards on purchases of certain products or from specific retailers.
BeFrugal is one of the top cash back apps. It allows users to earn up to 40% cash back at a network of more than 5,000 stores.
Using BeFrugal, you can either shop through the app or use the BeFrugal extension on your browser. If you make a purchase at one of the partner stores, you’ll earn a certain percentage of cash back.
In addition to allowing you to earn cash back, BeFrugal will automatically search for coupons and apply them to your purchases.
Upromise is different from other cash back apps on our list. Instead of just earning cash back in the form of gift cards or bank transfers, you can also earn cash back rewards that are deposited into your child’s 529 plan.
First, you’ll register and connect your account to your bank account or 529 plan. Then, when you spend through the Upromise shopping portal, you’ll get cash back on your everyday purchases.
Upromise also has a Mastercard that you can use to earn additional cash back. It even lets you round up your purchases to the nearest dollar to save more money.
If you are looking for a cash back app with multiple ways to earn, look no further than MyPoints. This app gives you points for shopping at more than 2,000 partner retailers and answering surveys about your buying habits.
You can earn up to 40% cash back in the form of points. Then, you can redeem your cash back to your PayPal account or as gift cards.
MyPoints also provides coupon codes for your favorite retailers. Better yet, you won’t have to remember to apply those coupon codes. The platform will remind you.
TopCashback allows users to earn rewards when shopping at more than 7,000 different retailers. To get rewards, simply click through to a partner retailer from the TopCashback website.
Once you’ve earned rewards, you can redeem them for gift cards. Alternately, you can transfer cash directly to your bank or PayPal account.
TopCashback also has a browser extension that will remind you to use rewards so that you don’t miss earning opportunities.
Rakuten, formerly known as eBates, was one of the first cash back websites and still remains one of the most popular options today.
This site allows you to save and earn money in a variety of ways. You can get cash back for purchases at more than 3,500 retailers using the Rakuten app, browser extension and website.
It’s also possible to save cash when using coupons and promo codes, which Rakuten will automatically apply to your eligible purchases.
Unlike many competitors, Rakuten allows you to earn rewards on in-store purchases by linking your credit card to your Rakuten account.
When it comes to the cash back apps, Swagbucks lets you earn free gift cards and cash in various ways. This includes shopping online, watching videos, searching the web, answering surveys and more.
Once you reach the minimum redemption threshold, you can cash out your earnings for gift cards or as a direct deposit to your PayPal account.
In addition to the many ways you can earn money, Swagbucks offers coupons. These can help you save even more on your online purchases.
Honey started as a browser extension that allowed you to automatically add coupon codes to your online purchases. It has since expanded to include other ways to save, making it one of the best cash back extensions you can download.
With Honey, you can earn cash back by shopping through the Honey website or browser extension. It also has what’s known as the Droplist, which automatically alerts you when an item you’re interested in becomes available at a lower price.
You can then redeem the rewards you’ve earned for gift cards.
Ibotta is one of the most popular cash back apps for grocery shopping. It allows you to earn money on your purchases when you shop at grocery stores.
You can get cash back by activating rewards and scanning a photo of your receipt from in-store purchases at various grocery stores when you download the app.
In addition, you can get cash back for your online purchases by downloading the browser extension and activating rewards.
Once you’ve earned cash back, you can transfer it directly to your bank or PayPal account. However, you must reach a certain threshold first.
Drop is one of the top rewards apps that allows you to earn cash back every time you shop with certain retailers.
When you sign up, you can start earning rewards by shopping through the app or by playing games and completing surveys.
You can also link your credit or debit card to unlock Drop Premium, which gives you access to free exclusive rewards, a monthly point drop, crypto rewards and more.
Once you’ve earned points, you can redeem them for gift cards, crypto, charitable donations and more. Plus, when you pair this with credit card rewards, your earnings can be much higher.
12. Mr. Rebates
If you are looking for the best cash back app, Mr. Rebates is worth checking out. It allows you to get cash back on your purchases when you shop using their tools.
You can earn by shopping directly through the Mr. Rebates website and by using the mobile app or browser extension.
Right now they are offering a $7.50 sign up bonus.
Once you’ve earned points, you can redeem them for gift cards, a check or cash directly to your PayPal or Venmo account.
13. Checkout 51
Checkout 51 is a cash back app that allows you to earn money for your gas and grocery store purchases. New offers are added each week.
Once you’ve purchased your items at the grocery store, just scan your receipt into Checkout 51. Then, your cash back will be added to your account.
After you have earned $20, Checkout 51 will let you redeem your money.
Shopkick allows you to earn gift cards for both online and in-store purchases. You can earn points just by walking into a partner store, and you receive additional points when you make purchases.
Plus, you can also save on purchases at more than 80 retailers through the Shopkick app.
It’s even possible to earn rewards from watching videos and browsing content on the app.
Once you’ve earned rewards, known as kicks, you can redeem them for gift cards that are delivered digitally to your phone.
15. Capital One Shopping
Capital One Shopping is an online shopping app that offers many ways for you to save.
The platform has a price comparison tool that lets you see if an item you’re shopping for is available at a lower price somewhere else. You’ll also have access to online coupon codes, which Capital One automatically tests to find jaw-dropping prices.
Better yet, you can set up price drop notifications. With these alerts, Capital One will let you know if an item you have your eye on is available for a lower price.
Additionally, Capital One Shopping offers Shopping Rewards which can be redeemed for gift cards. It’s a great way to cut costs when you shop online.
Dosh is a cash back app that allows you to automatically earn rewards on your purchases at over 10,000 retailers.
Unlike other services, you won’t have to take a photo of your receipt or activate your savings. You just download the app and connect your normal payment method. Then, Dosh does the rest.
For example, if you link your credit card and use it to make a purchase from one of Dosh’s partners, you’ll see cash back automatically appear in your account.
Once you’ve earned $25 with this rewards app, you can transfer the cash to your bank, PayPal or Venmo account. Alternatively, you can donate it to charity.
Upside allows you to get cash back when you fill up your gas tank and when you shop at the grocery store or dine at restaurants. You can earn at more than 50,000 locations around the country.
When you open the app, you’ll see a list of participating retailers nearby where you can save.
Once you’ve earned rewards, you can redeem them by depositing them into your bank account or PayPal account. You can also exchange them for free gift cards if you want an alternative to getting money back on your purchases.
Coinout is an where you can scan receipts and get cash back for your everyday purchases. You can also earn cash back without scanning receipts by shopping online through their app.
Coinout also offers cash back rewards when you shop at participating merchants through the app. In addition, users can participate in surveys and other activities to earn even more money.
The app is free to use, and there are no hidden fees or charges. Overall, Coinout is a simple and effective way to save money and make the most out of everyday purchases.
It is available in both Android and iOS.
19. Inbox Dollars
InboxDollars is a platform that pays users to complete a variety of online tasks. While the site might be best known for paid surveys, it also offers cash back opportunities.
Right now they are offering a $5 sign up bonus.
The platform offers cash back at thousands of stores. A few of the stores available include Walmart, Best Western, and The Disney Store.
When you are ready to cash out, you can receive the funds via PayPal, Visa e-gift card, or retailer e-gift cards. Before you cash out, you must reach a minimum balance of $10.
Coupons.com lives up to its name by providing thousands of coupons. However, the website also has extensive cash back opportunities for shoppers.
The process works by activating offers on the Coupons.com site. For example, you might score $1 cash back on a specific type of vitamin. After you purchase the item, you can upload your receipt to score cashback.
If your shop with a linked store loyalty card, you won’t have to upload your receipt at all. As you accumulate cash back, you can cash out via PayPal at any time.
Groupon is a popular place to score deals on experiences around town. But Groupon+ takes things to the next level by offering cash back on your purchases at local businesses.
When you claim a Groupon+ deal, you won’t have to print out the deal. Instead, you can make your purchase with a linked credit card to tap into the cash back.
If you want to earn cash back while supporting local businesses, this is a good option.
Freebird is designed to help you earn rewards while using Uber or Lyft.
The Android app will help you earn cash back from specific places you visit while using rideshare services. Plus, you might get VIP perks from certain bars and restaurants.
After a night on the town, you can enjoy cash back hitting your wallet.
ReceiptHog gives you an opportunity to earn cash back when making purchases anywhere. If you snag a receipt for your purchase, you can upload it to start earning.
If you want to earn more through RecieptHog, you can enter sweepstakes and take surveys.
After you have enough points, you can cash out via PayPal or a gift card.
24. Acorns Earn
If you like the idea of investing your cash back, Acorns Earn is a good option.
When you shop at a participating retailer, you’ll earn cash back. But the cash back is awarded in the form of bonus investments.
The investments you earn will put your cash back to work for you. With over 15,000 brands in the program, you can start building an investment portfolio through shopping.
Acorns Earn is accessible through an easy to use Chrome extension.
Belly offers a non-traditional opportunity to earn rewards. Essentially, this platform pulls all of your loyalty programs into a single place.
Instead of losing your loyalty punch card for a free sub, Belly makes sure that all of your points are in one place. With this rewards tracking system, you can score discounts and free perks from your favorite stores.
If you want to make the most of your spending, Belly can help.
Frequently Asked Questions
Before signing up for a cash back app, these frequently asked questions can help you decide which option is best for you.
How Do These Cash Back Apps Compare?
|App||Trustpilot Score||Rewards Rate||Unique Feature|
|Fluz||4.6 out of 5||Up to 35%||Cash out at any time, get rewards when your referrals make a purchase|
|Fetch Rewards||4.2 out of 5||Not disclosed||Get rewards on every eligible receipt, has many partners|
|BeFrugal||4.6 out of 5||Up to 40%||Welcome bonus, cash out at any time|
|Upromise||4.4 out of 5||Up to 12%||Earn cash back to your child’s 529 plan, welcome bonus|
|MyPoints||4.4 out of 5||Up to 40%||Make money in several ways, offers coupon codes|
|TopCashback||4.4 out of 5||Not disclosed||Cash out at any time, browser extension|
|Rakuten||4.1 out of 5||Up to 60%||Earn rewards for both online and in-store purchases, coupons automatically applied|
|Swagbucks||4.3 out of 5||Not disclosed||Earn in multiple ways, low redemption threshold|
|Honey||4.2 out of 5||Up to 25%||Automatically apply coupons, browser extension|
|Ibotta||4.2 out of 5||Up to 30%||Welcome bonus, link store loyalty card|
|Drop||3.5 out of 5||Not disclosed||Many ways to redeem rewards, multiple earning opportunities|
|Mr. Rebates||4.0 out of 5||Up to 10%||Welcome bonus, offers a mobile app and browser extension|
|Checkout 51||3.9 out of 5||Not disclosed||Stack rewards, save on gas|
|Shopkick||3.1 out of 5||Not disclosed||Get rewards just for going into a store, get rewards on all purchases|
|Capital One Shopping||1.9 out of 5||Up to 30%||Potential huge savings|
|Dosh||N/A||Up to 15%||Stack rewards, automatic earning opportunities|
|Upside||N/A||Up to 45%||Get cash back for gas, works at over 50,000 locations|
Cash back apps have come a long way in recent years. How you can earn and save money varies depending on the app.
With so many apps to choose from, it can feel overwhelming to select the best cash back app for your shopping habits.
Fortunately, if you use our list, you should be able to narrow down your favorites to start saving.