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7 Cash Back Apps Like Fetch Rewards in Canada for 2024

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Fact Checked

Earning cash back when you shop for groceries and other items feels like getting free cash since you are saving money you would otherwise have spent.

This is where apps like Fetch Rewards come into play. With apps like Rakuten, KOHO, Caddle, Swagbucks and Capital One Shopping, it is easy to get discounts when you shop online or in-store without clipping coupons manually.

Many of these cash back apps automatically credit your earnings to your account, and you can redeem via PayPal, gift cards, or spend the cash when next you go shopping.

Best Apps Like Fetch Rewards

AppFeaturesCash Back OfferCashout Minimum ThresholdCashout MethodsCost
RakutenOver 3,500 stores online; cashback earnings are automatically credited to your account; up to 40% cashbackSign up for Rakuten and get up to a $30 bonus (applies after first purchase of $30 or more)$5PayPal, cheque, or Amazon gift cardsFree
KOHOEarn up to 5% cash back with the KOHO prepaid Mastercard and higher for a premium KOHO account; cash back is automatically added to your account$20 bonus after using your card the first time (use referral code CASHBACK during sign-up)Use to pay for any purchaseEasy (Free); Essential ($4/month); Extra ($9/month); Everything ($19/month)
CaddleEarn cash back by responding to surveys, purchasing products, providing reviews, watching ads and engaging with brands; 10+ different ways to make moneyPays cash back on purchases of everyday household items and completing simple tasks$20ChequeFree
SwagbucksRewards members when they shop online, complete surveys, play games, and more; earn Swagbucks points (SBs) for every dollar spent at participating storesSign up here to receive a $5 to $10 signup bonus$3Gift cards, prepaid cards, and PayPal cashFree
Capital One ShoppingA browser extension that provides access to a shopping portal offering ways to save on online purchases; automatically searches the internet for active coupons and automatically applies them to your cart; offers cash-back via gift cards; notifies you when other sellers are offering better pricesMinimum amounts for redemption vary between retailersGift cardsFree

Free cash back apps that pay you when you shop or upload grocery receipts are listed below:

7 Cash Back Apps Like Fetch Rewards in Canada

1. Rakuten

Rakuten is my top choice if you want to earn cash back while shopping online.

The platform has partnerships with over 750 retailers, and when you place orders via Rakuten, your cash back earnings are automatically credited to your account – no need to upload receipts.

Cash back offers vary depending on the store and can be as high as 30% in some cases.

Redeeming earnings: You can cash out starting at $5.01 using PayPal or a cheque in the mail.

Offer: Rakuten offers a $30 cash back bonus when you open an account and make your first purchase worth $30 or more.

You can also learn more in this Rakuten review.

Rakuten

rakuten

$30 sign-up bonus when you spend at least $30

Earn up to 40% cashback

Features 3,000 stores and retailers

Redeem earnings by PayPal & check

2. KOHO

The top cash back app in Canada is the KOHO app and its free prepaid Mastercard.

When you make any purchase using KOHO, you earn up to 5% cash back. And at select retailers, the cash back offers are even higher.

The free prepaid card also comes with a budgeting app and includes:

  • Access to automatic savings and interest on your balance
  • Access to credit building (paid add-on)

For even higher earning rates, you can upgrade to KOHO Premium.

Redeeming earnings: Cash back is automatically added to your balance. You can use it to pay for things or withdraw to your bank account.

Offer: Our readers get a $20 bonus when they open a new KOHO account and use the card to make at least one purchase (use our referral code CASHBACK during sign-up).

KOHO Prepaid Mastercard

KOHO Mastercard Prepaid Card 2

$20 welcome bonus after first purchase (use CASHBACK promo code during sign-up)

$0 monthly fee*

Earn up to 5% unlimited cash back

Get 5% savings interest on your balance

Unlimited Interac e-Transfers and debit transactions

Free budgeting app and access to credit building

3. Caddle

Caddle is like Checkout 51 and Fetch Rewards.

Each week, you receive new offers and discounts for grocery items and gas.

After you make a purchase, upload your receipts on the app, and the cash back earned is credited to your account.

Caddle also pays its users to answer short brand surveys and watch video advertisements.

Redeeming earnings: Cash out via cheque when your balance reaches $20 or more.

Offer: Get a $1 bonus when you open a Caddle account and complete at least one task.

Caddle

caddle

$1 sign-up bonus

Earn cash back on groceries

Cashback app powered by RBC

Redeem earnings via cheque

4. Swagbucks

Swagbucks is a rewards platform that pays its members to complete various tasks. These include shopping offers online, completing surveys, watching ads, and more.

You earn cash back rewards when you visit your preferred retailers via Swagbucks’s website.

Redeeming earnings: Connect your Swagbucks points to gift cards or cash through PayPal. The minimum redemption amount is $3.

Offer: Get a $5 bonus when you open an account and complete the profile surveys.

Swagbucks

swagbuckslogo

$5 welcome bonus

10+ different ways to make money

Low payout threshold from $3

Cash-out with PayPal, gift cards, etc.

5. Capital One Shopping

Like Fetch Rewards, the Capital One Shopping browser extension makes it easy for you to save money and earn rewards when shopping online at thousands of major brands and sites like Amazon. You can download the Capital One Shopping app from Google Play or Apple Store.

When you use Capital One Shopping, you access a shopping portal that gives you multiple ways to save money on online purchases. You can use it whether you have a Capital One account or not. 

The Google Chrome extension searches the internet for active coupons and automatically applies them to your cart during checkout. When you use it to shop at Amazon, it notifies you when it finds sellers with better prices for the products you search for.  

When you consistently purchase qualifying products at partner retailers, you gradually accumulate Shopping Rewards, just like earning cash back on your online purchases.

With Shopping Rewards, you get cash-back via gift cards you can redeem at top companies like Walmart, Nordstrom, and Lowe’s.

Redeeming earnings: To redeem your Shopping Rewards for gift cards, log in to your Capital One Shopping account and click on “Redeem Rewards” to see your gift card options.

Learn more in this review.

6. Checkout 51

Like Fetch Rewards, Checkout 51 involves uploading purchase receipts to earn points.

This platform has new offers every week for groceries and gas. After redeeming an offer, you take a photo of your receipt and upload it on the app.

Cash back earned is then credited to your account.

Redeeming earnings: Cash out via cheque when your balance reaches $20.

Learn more in this Checkout 51 review.

7. Ampli

Ampli is one of the best cash back apps for shopping in Canada. It is owned by the Royal Bank of Canada (RBC).

After connecting your debit or credit card to the app, you earn rewards when you shop at the retail stores featured on the platform.

Both online and in-store purchases qualify, and the good thing is that, unlike Fetch Rewards, you don’t need to keep track of offers manually. It is done automatically.

Redeeming earnings: Easily cash out using Interac e-Transfer starting at $15.

Is Fetch Rewards Available in Canada?

No, the Fetch Rewards app is not available in Canada.

While it is considered one of the best cash back apps for earning gift cards in the United States, it is not in Canada.

Fetch Rewards pays you when you shop offers at your favourite retailers and upload your receipt to the app.

You earn points and can redeem them for free gift cards, including Amazon, Best Buy, Home Depot, etc.

Conclusion: Apps Like Fetch Rewards

You can easily cut your grocery bill by a small percentage when you use one or more of the best cash back apps on this list.

For everyday purchases, my top Fetch Rewards alternative is KOHO.

For online purchases, Rakuten is excellent.

Depending on where you normally shop, Capital One Shopping, Ampli, Checkout 51, Caddle, and Swagbucks are also useful.

Related: Best Coupon Cash Back Apps.

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Author

Gravatar for Enoch Omololu, MSc (Econ)
Enoch Omololu, MSc (Econ)

Enoch Omololu, personal finance expert, author, and founder of Savvy New Canadians, has written about money matters for over 10 years. Enoch has an MSc (Econ) degree in Finance and Investment Management from the University of Aberdeen Business School and has completed the Canadian Securities Course. His expertise has been highlighted in major publications like Forbes, Globe and Mail, Business Insider, CBC News, Toronto Star, Financial Post, CTV News, TD Direct Investing, Canadian Securities Exchange, and many others. Enoch is passionate about helping others win with their finances and recently created a practical investing course for beginners. You can read his full author bio.

About Savvy New Canadians

Savvy New Canadians is one of Canada's top personal finance platforms. Millions of Canadians use our site each year to learn how to save for retirement, invest smartly, maximize rewards, and earn extra cash. We have been featured in prominent finance media, including Forbes, Globe and Mail, Business Insider, CBC, MSN, Wealthsimple, and TD Direct Investing. Learn more about Savvy New Canadians.

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