I love saving money on purchases whenever and wherever possible – be it through discounts, coupons, rewards, and cash back apps, negotiating deals, credit card rewards (cash back and points), and more.
To put it mildly, I am like a savings junkie and simply hate to pay full price on anything.
Saving money on groceries and other shopping has never been easier. Gone are the days when shoppers had to clip hundreds of coupons, keep them organized, make sure they keep tabs on the fine print and all of the other hassles that come with paper coupons!
These days, with a smartphone, you easily get money back by using the cash back apps installed on your phone and with little or no work required on your part.
Simply scan a receipt or just link your credit/debit card and your cash back rewards will accumulate as you shop.
Even better, you can stack up and earn cash back rewards for the same purchase using different apps plus your credit card offers and coupons as well.
In this post, I compile 20 of the top cash back rewards apps to earn real cash when shopping online and in-store. Signing up is easy and FREE, and these apps will literally pay you to shop!
The Best Cash Back Apps For Shopping
KOHO is a free reloadable Visa card and app that helps you to earn cash back on all your debit purchases. It is currently only available in Canada.
Unlike many other popular cash back apps that require you to scan and upload a receipt, the KOHO app does everything automatically. Simply use your card (physical or virtual card) to make purchases, and a 0.50% cash back is credited to your account.
The app also works as a budgeting tool and can be used to set up automated savings. When you add a direct deposit (e.g. your paycheque or a government benefit) to your KOHO account, your entire balance earns a 1.20% high interest rate.
KOHO users can also access a portion of their paycheque 3 days early…and it is all absolutely FREE!
Sign up here to get a $20 welcome bonus when you use the promo code “CASHBACK“ (code applies automatically with the link).
You can read my KOHO review.
Rakuten (formerly Ebates) is one of the online cash back portals I use the most when shopping.
Their format is simple: Access your favourite online retailers through the Rakuten website/app or use their browser extension.
Once a deal is activated, there is nothing else you need to do. Rakuten will track your cash back and deposit it in your account.
Rakuten allows you to earn cash back from over 2,000 popular stores. Discounts are plentiful and you can earn up to 40% cash back on some items.
When you have accumulated $5 or more, you can request a payout through PayPal or as a cheque (check) in the mail.
Sign up here to get up to a $30 welcome bonus. The bonus is credited to your account after your first online purchase through Rakuten of at least $30.
Swagbucks is the ultimate “Get-Paid-To” website. You earn money from completing various kinds of tasks including shopping, taking surveys, playing games, browsing, referring friends, and more.
When you visit your favourite online retailer (including Amazon, Walmart, Target, Macy’s, etc.) via Swagbucks, you earn SB points for every $1 spend.
You can redeem your accumulated points for a gift card or as cash through PayPal. Swagbucks is available in multiple countries, including Canada and the U.S. It has paid out well over $575 million in rewards to members as of this update.
Drop is a cash back app that automatically tracks purchases you make using your linked cards and pays you cash back when you shop at participating retailers.
1,000 Drop points are worth $1.
Drop is available in both Canada and the U.S., and it is FREE to join. After signing up here, you receive a sign-up bonus of 5,000 points ($5) with your first linked debit/credit card.
Read my Drop review for more details.
The Caddle app is similar to Checkout 51, but unlike Checkout 51, Caddle is currently only available in Canada.
Caddle publishes cash back offers every Thursday and this runs for a week. To claim an offer, purchase the item (usually at any store), scan, and upload the receipt for processing. You can claim multiple offers on one receipt.
When your cash back balance reaches $20 or more, it is easy to cash out and receive a check in the mail. In addition to product offers, Caddle also pays you to watch videos, complete surveys, and refer friends ($1 per referral).
Get a $1 welcome bonus when you sign up here.
This Caddle review provides more details about the app.
6. Great Canadian Rebates
This website gives residents of Canada an opportunity to earn cash back when they shop online, particularly at stores that are open only to those with U.S. addresses. They currently have over 500 listed retailers you can shop at and earn cash back.
To earn cash back, simply visit Great Canadian Rebates first and then proceed to your favourite retailers. You also earn cash for referring friends and family equal to 15% of their cash back rebates for 5 years.
Rewards are credited to your account and can be redeemed as cash through PayPal or check, or for Amazon.ca gift cards.
Sign up for Great Canadian Rebates and get a $2.50 welcome bonus.
TopCashback is a top website for earning cash back on any shopping you do online. It has over 8 million members worldwide, including in the U.S., Canada, and the U.K.
TopCashback gives you an opportunity to earn cash back from over 4,380 stores and is popularly referred to as the “USA’s most generous cash back rebates site.”
To earn cash back, simply visit the TopCashback site, click on your favourite retailer, and shop. They track your shopping and deposit the cash back into your account.
You can redeem your rewards directly through PayPal, a bank deposit, or through Amazon vouchers.
When you sign up here, you receive a $5 bonus after you earn your first $10 in cash back.
MyPoints is similar to Swagbucks in that they are a get-paid-to site that rewards members when they shop online at over 1,900 stores, share their opinion, watch videos, read emails, and more. It is available in the U.S.
To earn cash back on your online shopping, visit MyPoints and click on the retailer you wish to purchase with. Your points will usually be deposited in your MyPoints account after a few business days.
You can redeem accumulated points as cash through PayPal or for gift cards.
A $10 bonus is credited to your account after your first online purchase of $25 or more. Learn more in this MyPoints review.
Paymi is a Canadian cash back app that pays you every time you shop at one of their partner brands or stores. Similar to the Drop Rewards app, Paymi automatically credits your account with cash back when you use your linked card to make a purchase.
Some of their partner retailers include Burger King, Lululemon, SportChek, Aldo, Walmart, Starbucks, Sobey’s, Contiki, Winners, Netflix, Spotify, Zara, Lowe’s, Swiss Chalet, Mark’s, Leon’s, and Hudson’s Bay.
Sign up for Paymi here (no promo code required) for your $5 welcome bonus!
10. Checkout 51
This awesome app will send you weekly offers (usually on groceries) that earn you cash back when you make a purchase and scan in your receipt using your phone.
New offers are available every Thursday morning and last until the Wednesday of the following week. To take advantage of an offer, buy it at any store and upload photos of your receipt using the app.
I have come across cash back offers as high as 30% on the Checkout 51 app and consider it one of the best grocery shopping apps available today. When your cash back balance reaches $20 or more, you can cash out via a check in the mail.
Checkout 51 is available in Canada and the U.S. You can read my review of Checkout 51 for more details.
Ibotta is another great discount app for earning cash back on your grocery purchases from over 285 stores, including Walmart, Kroger, Walgreens, and CVS.
Easily find offers for products on the app and add them to your shopping list. Following a purchase, take a photo of your receipt and upload it.
The cash back earned is deposited into your account within 2 days. In addition, you can earn cash back directly by linking your store loyalty card or making in-app purchases.
Ibotta is only available to residents of the U.S.
Unlike some other cash back apps, Paribus is set and forget and can get you some serious cash back without any hassles. It is only available in the U.S.
This is how it works: When you shop online, the store emails you a receipt. Paribus will scan your receipt and determine if you are owed any money either resulting from price drops, or due to late delivery of your order.
Refunds are made to your original form of payment, such as credit card or PayPal within 3-7 business days.
The app tracks 25+ major retailers including Amazon, Old Navy, Walmart, Nordstrom, Target, Gap, and more.
13. Mr. Rebates
Mr.Rebates is similar to Rakuten and offers cash back opportunities on pretty much all of your online shopping.
To earn cash back rewards, sign up and access your favourite online store via the Mr. Rebates website. Shop as usual and rebates are credited to your account within a few days.
You also earn cash back for referring friends (20% of what your referrals earn) and can redeem your cash back via PayPal or check when you reach the minimum $10 threshold.
14. SavingStar (now Coupons.com)
SavingStar is a great app for hassle-free grocery shopping cash back in the U.S. You can forget about having to clip, print, or mail coupons.
It has more than 7 million members and offers cash back at over 100,000 locations, including Walmart, Walgreens, ShopRite, FoodLion, CVS, Target, etc.
Getting cash back via the app is easy:
- Download the app.
- Link any store cards you have and choose rebates you want to claim
- Shop and use your linked card. If you don’t have a store card, you can scan and upload your receipts using the app or via their website
- Cash back is deposited in your SavingStar account and you can redeem your cash back once you reach $20 via PayPal or direct bank deposit.
15. Fetch Rewards
Fetch Rewards is a great grocery rewards app and provides an opportunity for you to earn points for items purchased at more than 250 popular brands.
Earning points with the app is very easy. Forget about needing to shop at specific stores or scanning product bar codes!
With the Fetch Rewards app, you earn by scanning your grocery receipt from ANY store, including grocery retailers, supermarkets, and convenience stores.
You can redeem your points for free gift cards. Sign up for Fetch Rewards (Android) or iPhone).
Dosh is similar to Drop with its rewards model. It is available in the U.S.
After downloading the app, connect your credit and debit cards, and whenever you make a purchase at partner stores, you get up to 10% in cash back in your Dosh Wallet. You also earn $5 for every friend you refer to Dosh.
When you want to cash out your rewards, simply transfer to your bank account or receive your money via PayPal. Earning cash back with Dosh is as easy as 1-2-3. Partner stores you can earn cash back from include Walgreens, Walmart, Target, GAP, and thousands more.
17. Receipt Pal
The Receipt Pal app works like Receipt Hog. You earn rewards when you simply take photos of your purchase receipts and upload them to the app.
To be eligible, you must have made the purchase yourself and uploaded the receipt within one week. Email receipts are also accepted.
Receipt Pal uses the purchase data they glean from your submitted receipts for market research. Rewards are awarded as points and can be redeemed as gift cards.
Using the Shopkick app, you can earn rewards when you shop both online and in-store. The app is available in the U.S. and works like a combination of Dosh, Checkout 51, and Ebates. Shopkick is partnered with over 250,000 retail locations.
You can earn rewards when you walk into an eligible store, purchase with a linked card, scan and submit a receipt, visit an online store, purchase items online, scan product bar codes, watch videos, and more.
Rewards are earned as points referred to as “kicks.” 250 kicks are equal to $1 and can be redeemed as popular gift cards. When you refer friends, you are awarded 250 kicks.
19. Berry Cart
BerryCart is the dedicated rewards app for when you purchase healthier food items including organic, gluten-free, and non-GMO foods.
Download the FREE app and browse the offers available at over 100,000 locations including Whole Foods, Walmart, Safeway, Kroger, Target, and several others. Buy the product, snap a photo of your receipt, and upload.
BerryCart deposits your cash back within 24 hours.
Rewards can be redeemed as cash through PayPal or for various gift cards.
This app works like Rakuten, but is currently only available to U.S. residents. You earn cashback by shopping at your favourite online retailers via the RetailMeNot website.
You can also link credit cards to your account in order to take advantage of in-store offers. Cash back rewards are redeemable as cash via PayPal.
Bonus – Receipt Hog
This app is available in the U.S. and U.K. Download the app and upload photos of the receipt when you buy anything anywhere.
Depending on what’s on your receipt, you earn coins or spins in their sweepstakes. Receipt submissions are used by Receipt Hog to gather data on consumer buying behaviour.
You can redeem your accumulated coins as cash via PayPal or get an Amazon e-gift card. Other ways to earn using the app include taking short surveys.