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Top 2 Free Apps That Pay You To Upload Receipts in Canada


Fact Checked

Can you make money by uploading or scanning your purchase receipts? Yes, you can. Cash back apps like Caddle and Checkout 51 have made it easier to earn real cash for your receipts.

In this post, I will talk about the popular apps you can use to make money doing simple things like uploading receipts, purchasing eligible products and scanning barcodes. Learn how to use these apps to maximize your rewards.

Related reading:

free apps that pay you to upload grocery receipts

Apps That Pay You To Scan Grocery Receipts

AppBonus/PromoMinimum Payout ThresholdLocation
Checkout 51$5 bonus after you complete your first offer$20Canada, U.S.
KOHO$20 cash bonusN/ACanada
Neo Money$20 cash bonusN/ACanada
Rakuten$30 signup bonus after your first purchase of $30 or more$5 (payments are made quarterly)Canada, U.S.
Nielsen HomescanStarting bonus of 1,000 pointsNoneCanada, U.S.

These grocery receipt scanning apps give you cash back when you shop and upload your receipts. They are 100% free.

1. Caddle

  • Bonus: $1
  • Minimum payout threshold: $20
  • Location: Canada
  • Sign up here (use promo code S9EL0HJGVY)

Want to get paid to scan your receipts? Check the Caddle cash back app. In addition to earning cash back when you purchase everyday household items, Caddle also rewards you for watching video ads and completing short questionnaires.

Offers on the app are refreshed every week and can be redeemed at most stores in Canada. After completing your purchase, submit your receipt using the app to qualify for cash back. 

You can cash out after you have earned $20 or more. Read my detailed Caddle guide.

Sign up for Caddle.

2. Checkout 51

  • Promo: $5 bonus after you complete your first offer
  • Minimum payment threshold: $20
  • Locations: Canada and the U.S.

Checkout 51 provides new offers every week. When you find an offer you like, follow the instructions on the app and purchase it at any store (or a specific store in some cases).

Upload your receipt using the app and your smartphone camera, or use your computer.

Cash back is credited to your account, and you can cash out via cheque when your account balance reaches $20.

Checkout 51 is my favourite app for saving on groceries, and I have seen them offer discounts as high as 35%. Read my Checkout 51 guide.

Cash Back Apps That Automatically Pay You

Unlike Checkout 51 and Caddle, these cash back apps do not require you to submit or upload your receipts.


  • Promo: $20 cash bonus
  • Location: Canada
  • Minimum payout threshold: N/A
  • Sign up here (get a $20 bonus after your first purchase – use CASHBACK referral code when joining)

KOHO is the overall best cash back app in Canada for all types of purchases. It pays up to 5% cash back and you can redeem what you have earned any time.

After signing up, you get a physical and virtual prepaid Mastercard. These are connected to the app, which you can use to set financial goals and create budgets.

For even higher cash back rates and extra perks, you can upgrade to one of three premium KOHO plans.

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

4. Neo Money

  • Promo: $20 cash bonus
  • Location: Canada
  • Minimum payout threshold: N/A
  • Sign up here (get a $20 bonus after funding with $50 and completing first purchase)

Neo Money is a different kind of rewards app.

When you make purchases using your free reloadable Neo Money Mastercard, you earn up to 5% cash back.

The free Neo Financial app also offers budgeting capabilities, Apple Pay, and high interest rate on your balance.

For even more cash back and other great perks, you can check out Neo Money Premium.

Neo Money Account

neo logo

Unlimited 5% average cash back

No monthly fees + $20 bonus

1.00% non-promo interest rate paid on balance

Unlimited free transactions

Get a Mastercard for payments online and ATMs

4. Rakuten

  • Promo: $30 bonus
  • Locations: Canada and the U.S.
  • Minimum cash out threshold: $5 (payments are made quarterly)
  • Sign up here

Rakuten (formerly known as Ebates) is one of the most popular apps for earning cash back when you make purchases online.

Rakuten has partnerships with over 750 stores in Canada and 2,000+ in the U.S., which means you can earn cash back when you shop at many of your favourite retailers.

Discounts and offers on the site can be as high as 35%.

To earn cash back with Rakuten, simply visit their website and click on the store you want to shop at. Alternatively, you can install the Rakuten browser extension.

You can get a $30 bonus when you sign up and make your first purchase of $30 or more. Read my Rakuten review.

Sign up for Rakuten.

6. Paymi

  • Promo: $5 bonus
  • Location: Canada
  • Minimum payout threshold: None; $25 to waive Interac fee

Paymi is a cash back app that pays you to shop at select stores, including Lowe’s, SportChek, Leon’s, Mark’s, Burger King, Staples and a few others.

Paymi is free to join, and you earn cash back automatically when you make purchases using your linked bank account. You can cash out your earnings via Interac to your bank account.

For more information on how Paymi works, read this review.

Apps That Pay You To Scan Barcodes

You can earn rewards by scanning your grocery purchases.

7. Nielsen Homescan

Nielsen Homescan is managed by the popular market research company, Nielsen.

When you join the panel, they either send you a handheld scanner or ask you to download their mobile app.

Scan the barcodes on the household items you purchase once a week and transmit the data to Nielsen Homescan.

The company rewards you with points you can redeem for gift cards, kitchen appliances, electronics, and other merchandise.

Sometimes, they also offer cash incentives.

Sign up for Nielsen Homescan.

Residents of the U.S. can sign up for the Nielsen Consumer Panel.

How These Apps Work

In this day and age, when practically everyone uses a smartphone, companies have found a way to increase their bottom line by paying you to scan your receipts.

Some require that you link your debit/credit card, and they track your purchases automatically. Examples are Drop, Ampli, and Paymi.

Others ask you to select your digital offers, purchase them in-store and then upload your receipt using the app, such as with Checkout 51 and Caddle.

In some cases, such as Rakuten, you only need to visit your preferred retailer via their website to qualify for cash back.

How To Maximize Your Cash Back

I combine cash back apps with coupons and rewards credit cards to maximize the rewards I earn on purchases.

Sometimes, receipt-scanning apps like Caddle and Checkout 51 promote similar items in their weekly offers, and you can scan a single receipt to both apps.

Some rewards credit cards give more points or cash back on grocery spending, and you should use them to increase your savings.

Look out for any in-store coupons that may give you even further discounts.

Related: Cash Back Sites Like Rakuten That Pay You

Top Money Saving Offers this month

Earn up to 6% unlimited cash back on purchases + free $20 Signup Offer

Free cashback card with up to 6% instant unlimited cash back on purchases.*

$20 welcome bonus when you open an account and make your first purchase.

Unlimited transaction chequing features with Interac e-Transfers and bill payments.

Get 5.00% savings interest on your balance and a free budgeting app.

Get affordable life insurance in minutes & save up to 20% on premiums!

Compare life insurance across Canada's best insurance companies.

Save up to 20% on costs & get $10,000 in free coverage per child.

Terms range from 10 to 30 years, and a 10% discount for couples in the first year.

30-day grace period if you miss a payment & you can cancel anytime.

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

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

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

Up to 35% cashback discounts are available daily.

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


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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1 thought on “Top 2 Free Apps That Pay You To Upload Receipts in Canada”

  1. Gravatar for DENISE

    I HAVE MOST OF THESE. Always looking for ways to saVE

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