Best Cash Back and Coupon Apps To Save Money in Canada

There are several reliable cash back and coupon apps Canadians can use to save money when they shop for groceries or make other household or personal purchases.

Saving money has never been easier with grocery cash back apps that let you save money and earn cash back, such as Neo Money, Caddle, Rakuten, Swagbucks and MyPoints.

Find out how these apps can help you cut back on your grocery expenses while enjoying cash back from popular brands and retailers.

The Best Grocery Cash Back Apps in Canada

Here is our list of the best grocery cash back apps in Canada, their top features and how you can use them to earn extra cash while getting savings from your usual purchases.

1. KOHO App and Mastercard

KOHO is not your typical cash back app; it is both an app and a reloadable card that rewards you when you make payments online and in-store using your free KOHO Mastercard (debit prepaid).

This card has many benefits and can save you a lot of money. Its top features include:

• Up to 5% instant cash back on purchases
• 5.00% interest on your entire account balance
• Free budgeting app and automated roundup savings feature
• Free credit score checks
• 0% APR cash advance of up to $250
• Access to a credit building service

In addition to getting cash back, you can also use KOHO to automate your savings, budget, and get real-time insights into your finances.

Pay no monthly fees if you set up a recurring direct deposit.

2. Neo Money

Neo Money is another top-rated cash back app. It comes with a reloadable card and pays you every time you spend using your Neo Money Mastercard.

While some of the best no-fee credit cards in Canada offer cash back, the same can hardly be said for debit cards, and this is where Neo Money comes into play.

The Neo Financial app and card allow you to spend cash and earn an average of 5.00% cash back at over 12,000 retail locations.

It is the best of both worlds—you can budget, avoid credit card debt, spend smartly, and earn cash back simultaneously. Even better, a standard account has no monthly fees.

The Neo Money account also pays interest on your balance.

3. Caddle

Caddle is similar to Checkout 51 in how the app works. It is a grocery cash back app available only to Canadians. After you download the app on your phone, you can browse through weekly offers that renew every Thursday.

Based on offers available at any given time, you can shop at your favourite store (or a specific store if required) and upload your receipt to claim your cash back. Like Checkout 51, you can cash out when your account balance reaches $20 or more. A cheque is sent out to you in the mail.

The Caddle app also offers other opportunities to earn rewards every week. They send out short paid surveys relating to various brands and pay you to watch video adverts. You are also rewarded with $1 when you refer a friend.

Top Canadian Cash Back Apps For Shopping

The following are the top apps you can use to generate cash back when shopping online.

4. Rakuten (Ebates)

Formerly Ebates, Rakuten is one of the best money-saving apps to use when you are shopping at any of its 750+ popular stores. This is how the app works:

• Sign up for a free account here.
• Whenever you want to shop online, visit your preferred retailer’s online website store via Rakuten.
• Automatically earn cash back on your purchases. The app tracks your purchase and credits your account with real money.

Rakuten also comes with a browser extension that reminds you to activate the app before making a purchase. It is available in multiple countries, including Canada and the United States. It has partnered with over 750 popular stores, including Amazon, Sportchek, Sephora, and many others.

5. Swagbucks

Swagbucks is the ultimate Get-Paid-To site and is available in multiple countries, including Canada.

It offers several ways to earn money, including cash back when you shop online through its website at your favourite stores (similar to Rakuten). You earn points you can later redeem as cash using your PayPal account or for gift cards.

The best way to earn cash back with Swagbucks is to install the Chrome or Firefox browser extension, SwagButton, which makes Swagbucks your default search engine and automatically credits your account.

Other ways to earn with Swagbucks are:

• Answering surveys
• Watching videos
• Searching the web
• Playing games
• Participating in contests

Swagbucks has paid members millions of dollars and is a legitimate site. Users cash out over 7,000 gift cards every single day.

6. MyPoints

MyPoints is a cash back site operating in Canada and the U.S. It doubles as a loyalty program that pays members to complete simple tasks like answering surveys and playing games.

After joining, you earn up to 20 points per $1 spent by visiting your favourite brands and making purchases via MyPoints.

When shopping for groceries at partner stores (e.g. Walmart), you can scan your receipts, upload them to the app, and earn cash back.

Points earned can be redeemed for gift cards, or you can request a cash payout using PayPal.

New MyPoints members get a $10 Amazon or Visa gift card after completing their first purchase of $20 or more.

7. Great Canadian Rebates

This site is similar to Ebates and provides opportunities to earn cash back anytime you shop online or apply for a credit card.

To earn cashback using Great Canadian Rebates (GCR), create an account and visit your favourite store or financial institution using GCR’s website.

GCR has partnerships with over 700 retailers. You can cash out using PayPal, cheque, multiple gift cards, or a direct deposit in your bank account.

8. RebatesMe

Like Rakuten, RebatesMe is a shopping portal that features thousands of stores. Members earn cash back when they shop offers and can redeem their earnings using PayPal or gift cards.

If you are new to the platform, you get a $30 bonus after earning your first $10. As of this writing, RebatesMe supports over 4,000 stores and is available as a browser extension.

Here’s a detailed breakdown of how RebatesMe works.

RebatesMe is available in Canada and the U.S. and is free to use.

9. Capital One Shopping

Install the Capital One Shopping browser extension on Google Chrome to access great deals from over 30,000 retailers and save on online purchases you normally spend on – from food and drinks to clothing, books, electronics, and even energy and utilities. 

With this extension on your computer, manually looking for coupons becomes a thing of the past because the app will do it for you. On checkout, it automatically applies the coupon code to your purchases, letting you save on your purchases effortlessly. 

Moreover, whenever you shop at eligible sites and buy eligible products or services, you activate Shopping Rewards, which you can redeem for various e-gift cards at many retailers and sites. It is essentially earning cash back but in gift card format.

To redeem your rewards, log in to your Capital One Shopping account. On the upper right-hand corner of the page, hover over your name to display a drop-down menu. Click the “Redeem Rewards” button to show a list of your gift card options. Add your rewards to a gift card of your choice.  

10. Checkout 51

Checkout 51 is one of the best apps for earning cash back rewards on groceries and other household purchases. Available in Canada and the United States, Checkout 51 has been around since 2012 and is a free and legit cash back app.

Offer categories include fresh produce, pantry items, bakery, dairy and eggs, deli and ready meals, meat and seafood, household cleaning products, personal care, medicines, frozen foods, baby stuff, pets, and more.

The way the app works is simple:

• New grocery offers go live every Thursday at 12 a.m. and remain active until just before midnight the following Wednesday.
• Purchase any of the listed items at your favourite store.
• Redeem your rewards by checking off the items you purchased on the app and then scan and upload your receipt using your phone.
• Make sure to follow any instructions; for example, the offer may only apply to a limited number of items. You should note the specific brand being promoted.

Cash back is credited to your account within hours. You can cash out when your account balance reaches $20 or more, and they will send you a cheque in the mail.

Online purchases are also eligible for cash back; however, you must upload your receipt (or itemized packing slip) before the offer expires.

In addition to getting cash back when you buy stuff, Checkout 51 rewards you when you refer new members.

You can also read our review of Checkout 51.

11. Paymi

Paymi is a CIBC-owned cash back app that lets you earn cash back on top of the rewards you already earn with your eligible CIBC card.

When you use your CIBC debit or credit card to make a purchase, you get double the cash back. To use it, connect your bank cards, and it will automatically track your purchases at participating retailers.

To register with Paymi, sign up at CIBC and sign on using your CIBC Online or Mobile Banking login credentials. Complete your registration and accept Paymi’s terms and conditions.

Start shopping and collecting cash back by logging in to your online account or on the Paymi app. You can cash out using Interac e-Transfer when your balance reaches $2.

Paymi is available on iOS and Android devices. Here’s our complete Paymi review.

Best Price Comparison and Flyer (Coupon) Apps For Canadians

While the art of clipping physical coupons may be dying, coupons and flyers themselves are here to stay. The best coupon and flyer apps help aggregate and sort hundreds of flyers and coupons from your local retailers, making it easier to save money.

12. Flipp

Flipp is one of the most popular flyers, coupons, and price comparison apps in Canada. The app gives you access to flyers from more than 1,000 local stores using your phone.

You can easily search for a specific item, compare prices and find the store with the lowest selling price. You can also create a shopping list and refer to it anytime or share it with friends and family.

13. Reebee

Reebee is a flyer app that allows you to browse recent flyers in your area and compare product prices. Founded in 2012, Kitchener, ON-based Reebee is available on both the App Store and Google Play.

Acquired by Flipp in 2022, Reebee maintains a separate app from Flipp and offers access to more than 95 stores. With the Reebee app, you can quickly access flyers and view deals.

Reebee also features a Watch List, which notifies you when a good deal comes up. When you see a good deal on the app, you can also add it to your shopping list.

More Cash Back and Rewards Apps

Other cash back apps that come in handy for Canadians are:

14. PC Optimum

Loblaws combined its PC Plus and PC Optimum rewards programs into the new PC Optimum Points Loyalty Program.

If you shop at Superstore, Shoppers Drug Mart, and other Loblaws stores, you earn rewards using the PC Optimum points card or app at a rate of 10 points/$1 at Superstore or 15 points/$1 at Shoppers.

The points earned are amplified when you pay for your purchases using the PC Financial Mastercard or one of its other credit cards.

If you get a PC Money Account, you earn even more PC Optimum points on all purchases.

To earn up to 2% real cash back when you pay with a no-fee credit card, the Tangerine Money-Back Credit Card is a great choice. You can cash out your earnings every month.

Bonus: TopCashback

TopCashback is a cashback site that pays you to shop at more than 4,000 stores. Cashback offers on the app can be as high as 30%.

To earn cashback, use the app to shop and make purchases. Another way to earn more cashback is by sharing your referral link. When your friends sign up, you both get a referral bonus.

Cashback is automatically credited to your account. You can request a payout via gift cards, prepaid cards, or PayPal.

Read this TopCashback review for more details about how it works.

How To Maximize Your Cash Back Rewards

From grocery shopping apps to coupons and flyer apps, there are always ways to save money, whether you are shopping online or in the store. There are also some options for maximizing the cash back rewards you can get when you use these apps.

For example, with Checkout 51 and Caddle, you can upload the same receipts (unless otherwise stated) if they have the same offers for the week…for double the cash back.

Use a no-fee cash back credit card that rewards you for every dollar you spend. Remember to always pay off your credit card balance within the grace period.

Combine cash back apps and rewards cards with a coupon, flyer, or price-match app to ensure you buy products at the lowest price. You can easily save hundreds of dollars every year with these free apps and shopping strategies.