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15 Best Cash Back and Coupon Apps To Save Money in Canada 2023

There are now several reliable cash back and coupon apps that Canadians can use to save money when they shop for groceries or make other household or personal purchases. Just a few years ago, the only popular way you could cut your grocery shopping expenses was to clip coupons and haul them to the store.

With the advent of grocery cash back apps that work seamlessly on your smartphone, saving money has never been easier. Even better, these cash back apps are free to download and use.

The Best Grocery Cash Back Apps in Canada

I was excited when I first stumbled on cash back apps that rewarded us for purchasing groceries we would buy anyway. Kids eat a lot, and it was a relief to put a dent in our weekly household grocery budget, no matter how little.

I have personally used all the grocery apps below to save money and earn real cash back.

1. KOHO

KOHO is not your typical cash back app; it is both an app and a reloadable card that pays you every time you spend using your KOHO Mastercard (debit prepaid).

Millennials and Gen Z folks are starting to shun credit cards. While some of the best no-fee credit cards in Canada offer cash back, you cannot say the same for debit cards, and this is where KOHO comes into play.

The KOHO app and card allow you to spend cash and earn up to 5.00% cash back when you do so.

It is the best of both worlds – you can budget, avoid credit card debt, spend smartly, and earn cash back simultaneously. Even better, there are absolutely no monthly fees!

In addition to getting cash back, you can also use KOHO to automate your savings, budget, access your paycheque early, get real-time insights about your money, and access financial coaching.

Your KOHO account also pays interest on your balance, which is a nice perk.

KOHO Prepaid Mastercard

Rewards: Earn 1% cash back on groceries and bill payments; Up to 5% cashback at select partners; Earn interest on your balance*.

Welcome offer: Get a $20 bonus when you load and make your first purchase (use promo code CASHBACK during sign-up).

Interest rate fee: 0%

Annual fee: $0

Related: KOHO App and Visa Prepaid Card Review

2. Caddle

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 (questionnaires) relating to various brands and pay you to watch video adverts. You are also rewarded with $1 when you refer a friend.

I find that the weekly offers on Caddle are not as diverse as that of Checkout 51, so I do not get to redeem every week. That said, I have earned hundreds of dollars in rewards so far.

Open a free Caddle account.

For more details on Caddle, read this review.

Top Canadian Cash Back Apps For Shopping

Having covered the best cash back apps I use for groceries, this section refers to the apps I use to generate cash back when I shop for anything else online.

3. Rakuten (Ebates)

Ebates was rebranded as Rakuten in 2019.

Rakuten.ca is one of the best money-saving apps you will see – period! It is free to use and stress-free to earn cash back.

This is how Rakuten (Ebates) 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. They track your purchase and credit your account with real money.

Rakuten is available in multiple countries, including Canada and the United States.

Rakuten Canada has partnered with more than 750 popular stores, including Amazon, Sportchek, Sephora, Old Navy, Under Armour, Dell, Expedia, Hudson’s Bay, Hotels.com, eBay, Home Depot, Canadian Tire, and many others.

In the U.S., they have an even larger presence with cash back offers at over 2,000 stores.

Rakuten is easy to use because you do not need to upload your receipt…just make sure you visit Rakuten before proceeding to the store where you are making a purchase.

I used to forget to do this until I installed the Rakuten Browser Extension, which now reminds me to activate Rakuten before I pay for a purchase online.

Want to earn cash back on your online purchases?

Rakuten

rakuten

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

Earn up to 40% cashback

Features 2,500 stores and retailers

Redeem earnings by PayPal & check

4. Ampli

Ampli is a Canadian cash back app that rewards you when you shop online or in-store at one of its partner stores or brands. It is owned by RBC.

To earn cash back:

  • Download the Ampli app ($10 bonus with promo code AMP10)
  • Link your credit and/or debit cards
  • Cash back is automatically deposited in your account
  • Cash out earnings using Interac email money transfer

Ampli has partnerships with popular brands and retailers like Lowe’s, Burger King, SportChek, Gap, CIBC, H&M, Lululemon, Walmart, Amazon, Mark’s, Starbucks, and others.

Ampli

ampli logo

$10 sign-up bonus with AMP10

Earn cash back at various retailers

Cashback app powered by RBC

Redeem earnings via Interac e-Transfer

5. Swagbucks

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

Swagbucks offers several ways to earn money, including cash back when you shop online through their website at your favourite stores (similar to Rakuten). They reward you with 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 their 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:

  • Answer surveys
  • Watch videos
  • Search the web
  • Play games
  • Participate in contests

Swagbucks has paid members over $790 million and is a legitimate site. Users cash out over 7,000 gift cards every single day.

Swagbucks

swagbuckslogo

$5 welcome bonus

10+ different ways to make money

Low payout threshold from $3

Cash-out with PayPal, gift cards, etc.

6. MyPoints

mypointslogo

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.

Join MyPoints or read the detailed review.

7. Great Canadian Rebates

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.

Sign up for Great Canadian Rebates.

8. RebatesMe

rebatesmelogo-img

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.

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

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.

9. Drop

The Drop app is one of the newer loyalty rewards apps in Canada. It is also available in the U.S. and is one of the easiest apps to use.

To earn cash back with Drop, you should:

  • Download the app ($5 bonus link).
  • Link your credit and/or debit cards. Unlike Checkout 51 and Caddle, which require you to upload a receipt, Drop automatically tracks your purchases and rewards you.
  • Shop at your favourite stores and earn cash back (Drop Points).
  • Redeem your points for popular gift cards such as Tim Hortons, iTunes, Starbucks, Amazon, Best Buy, Gap, Sephora, Netflix, Boston Pizza, Earls Restaurant, Cineplex, and more.

I like Drop because it is set-and-forget. No need to keep your receipts, and you can easily combine the app with other rewards programs.

You can also check out this Drop App review.

10. Checkout 51

Checkout 51 is one of the best apps for earning cash back rewards on groceries and other household purchases. It is available in Canada and the United States (where it is similar to Ibotta). I find that Checkout 51 has a good variety of items on offer every week that includes something we buy.

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, 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 send you a cheque in the mail.

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

In addition to getting cash back when you buy stuff, they reward you when you refer new members. Checkout 51 has been around since 2012 and is a free and legit cash back app.

You can also read our review of Checkout 51.

11. Paymi

Paymi is a CIBC-owned cash back app. To use it, connect your bank cards, and it will automatically track your purchases at participating retailers.

You can cash out using Interac e-Transfer, starting 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

Best Cash Back and Coupon Apps in Canada

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 similar to Flipp and is a flyer app that allows you to browse recent flyers in your area and compare product prices. Reebee was founded in 2012 and is based in Kitchener, Ontario. It is available on both the App Store and Google Play.

When you see a good deal on the app, you can 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 Loblaw 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.

12. TopCashback

TopCashback is a cashback site that pays you to shop at more than 4,000 stores.

I have not personally used TopCashback; however, online reviews show they are legit and currently have more than 11 million members worldwide.

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.

What cashback apps are you currently using to save money?

I use these awesome apps to make money and save money every month. Simply do your normal weekly shopping and start saving and earning! #makemoney #makemoneyapps #moneysavingtips #howtosavemoney #budgeting #extraincome #makemoneyonline

Top Money Saving Offers this month

Get paid to shop online using Rakuten with $30 cash bonus

Earn cashback on purchases at over 750 popular brands and retailers.

Get a $30 bonus after your first purchase of $30 or more.

Up to 35% cashback discounts are available daily.

Redeem cash rewards earned by PayPal, cheque, or Amazon gift cards.

Get the "Canadian Cashback App" for free and $10 bonus

Top cashback app owned by RBC and $10 sign-up bonus.

Earn real cash back when you shop at popular retailers.

Withdraw cash back earned using Interac e-Transfer.

Over $2 million has been paid in cashback and prizes.

Get the myDoh card and help your kids learn about money

Teach your kids the basics about money, budgeting, and saving

Easily set up weekly tasks and track their spending and earnings.

No risk of overspending using the reloadable prepaid VISA card

Backed by the Royal Bank of Canada + $15 bonus.

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Author

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

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch is passionate about helping others win with their finances and has been writing about money matters for over a decade. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, CBC News, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, and many other personal finance publications. You can learn more about him on the About Page.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

5 thoughts on “15 Best Cash Back and Coupon Apps To Save Money in Canada 2023”

  1. Gravatar for Arputha

    Thanks for this wonderful article. I feelcoupon site is also best to be added to this list. Saveji offering the trending coupons and deals for all categories across all countries. Like lifestyle, groceries, travels, entertainment, etc. Saveji providing excellent cashback offers and deals. SAVEJI app on Google Play

  2. Gravatar for Shirley

    Thank you for such a great detailed article. It sure helped me. Wonderful.

    • Gravatar for Enoch Omololu

      @Shirley: You are welcome – happy to hear!

  3. Gravatar for Lisa Mcleod

    Thanks Mr.Enoch !(Love the name)😁 It’s hard to try to save money in Canada. Finally some apps that work here.
    Lisa

    • Gravatar for Enoch Omololu

      @Lisa: Glad you found the blog to be useful! 🙂

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  • Earn up to 225x more than other banks!
  • Get 2.25% interest rate* on every dollar.
  • No monthly fees & unlimited transactions.
Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.