The Only Cashback Apps You Really Need on Your Phone

Have you ever bought something and thought, “I wish I could get some of that money back”? Well, good news: Cashback apps make that wish a reality. I didn’t think much of these apps at first. They seemed too good to be true. But after giving them a try, I realized that they’re not just simple to use, but also have a noticeable impact on your savings. Whether you’re shopping online, heading to the grocery store, or even dining out, these apps reward you for the spending you’re already doing.

If you’ve been curious about cashback apps, this guide will walk you through everything you need to know. We'll explore how they work, the best apps to try, and even pro-level strategies to help you save more than you thought possible.

What Are Cashback Apps and How Do They Work?

Picture this: You’re buying something as usual, but instead of just spending money, you get a percentage of it back. That’s the concept of cashback apps, summed up in one sentence. Here’s how they pull it off.

1. How Cashback Apps Make Money

These apps partner with retailers who pay them a commission for sending customers their way. When you shop through the app or link your receipt, the app gets paid. A portion of that commission is then shared with you as cashback. Everyone wins!

2. Types of Cashback

Not all cashback apps are identical. Some offer flat-rate rewards—for example, $5 back on a specific purchase. Others use percentage-based structures, like 5% cashback online or at certain stores. Then there are apps that convert your spending into points, which can later be redeemed for gift cards or cash.

3. Security Considerations

A quick heads-up before we move on. Like any tech tool, these apps do require some trust. Many need access to your receipts, linked cards, or shopping habits. Choose reputable apps and read privacy policies to make sure your information stays safe.

When I first started using these apps, I admit I was nervous about linking my credit card. But as long as you use vetted platforms like those below, it feels just as secure as buying something on Amazon.

Top General Cashback Apps

Want specifics? These are some standout apps you can use no matter where or how you shop.

1. Rakuten (formerly Ebates)

Rakuten is one of my personal faves. This app is a catch-all for online shopping, letting you earn cashback across tons of popular retailers like Walmart, Macy’s, and Best Buy. I signed up during one of their promotional offers and got a $30 bonus just for making my first purchase.

• Payout methods: PayPal or check
• Best for: Online shopping across many retailers
• Average cashback rates: 1–10%, though sometimes higher during promotional events

2. Ibotta

Ibotta’s great for groceries and in-store purchases. You just scan your receipt after buying eligible items, and the app gives you cashback. Ibotta helped me realize how much I could save on essentials like milk, eggs, and bread, not just splurge items.

• Payout methods: Cash via PayPal, Venmo, or gift cards
• Best for: Grocery shopping and in-store buys
• How it works: Look for offers, shop, and scan receipts

3. Fetch Rewards

If you’re into simple and straightforward, Fetch Rewards has your back. Take a photo of any receipt (yes, any receipt), and you’ll earn points that can be redeemed for gift cards. I love how low-maintenance it feels.

• Payout methods: Gift cards to lots of major stores
• Best for: Turning random receipts into rewards

4. Dosh

I can’t tell you how much I love the “set it and forget it” nature of Dosh. You link your card, and the app automatically tracks eligible purchases and gives you cashback without any extra effort. It feels like a lazy saver’s dream.

• Payout methods: Direct deposit, PayPal, or donation
• Best for: Automatic cashback with zero hassle

5. CoinOut

CoinOut is all about simplicity. Like Fetch, you can upload any receipt, but the app doesn’t focus on points or tiers. It just gives you straight-up money.

• Payout methods: Bank transfer, PayPal, or gift cards
• Best for: Easy, no-frills cashback

Credit Card-Specific Cashback Apps

Why stop with apps when your credit card offers can amplify your savings? Here are some cashback tools tied to specific credit cards.

• Capital One Shopping: An extension that hunts for lower prices and cashback opportunities.
• Chase Offers: Earn cashback when you shop certain brands or restaurants with your Chase card.
• Amex Offers: Enjoy discounts or cashback on curated deals for AmEx cardholders.
• Citi Merchant Offers: Unlock special offers exclusive to Citi card customers.

Pairing one of these with a cashback app could double your savings.

Store-Specific Cashback Programs

I’m a big fan of store loyalty programs, especially when combined with cashback apps. If you’re loyal to particular retailers, check out these options.

• Target Circle offers 1% back on purchases, plus exclusive discounts.
• Walmart Rewards stacks savings through online shopping and grocery delivery.
• Amazon Cashback Options vary based on whether you use their credit card or cashback points system.

Browser Extensions for Cashback

Now, here’s a power move I recommend to anyone who shops online. Browser extensions like the ones below work quietly in the background, finding deals you might miss.

• Honey automatically applies coupons and tracks price drops.
• RetailMeNot finds not only coupons but also cashback deals.
• Capital One Shopping Extension is another tool to sniff out the best discounts.
• Rakuten Extension pops up when you’re on an eligible site so you never forget to activate cashback.

These extensions have saved me countless dollars with minimal effort. Think of them as your virtual savings assistants.

Cashback App Stacking Strategies

Want to take your cashback game to the next level? Stacking is the way to go.

How It Works

“Stacking” means using multiple layers of savings on a single purchase. I once paired a Rakuten cashback deal, a Honey coupon, and a discount offered through my Chase card. The end result? I spent $60 on something that originally cost $100.

Example Scenarios

• Buy something through Rakuten (5% cashback), but pay with a credit card offering 3% cashback. Total effective cashback? 8%!
• Scan the receipt afterward with Fetch Rewards to double-dip on rewards.

Watch for Pitfalls

Be strategic, though. Tracking too many apps can get messy. Some purchases might not allow stacking, and investing too much time into a small sum might not be worth it.

Best Practices and Tips

To make the most of cashback apps, stick to these best practices.

• Set Up Accounts Properly: Take time to link cards and verify your email so the app can work seamlessly.
• Scan Receipts Quickly: Most apps only give you a few days to log your purchases. Don’t miss out!
• Avoid Spending for the Sake of Cashback: Only buy what you planned to; cashback shouldn’t justify unnecessary expenses.
• Meet Payout Minimums Efficiently: Focus your activity on a few apps to hit withdrawal thresholds faster.
• Understand Tax Implications: Technically, cashback isn’t taxable since it’s considered a rebate. But watch out if you start earning referral bonuses—that’s a different story.

Privacy and Security Considerations

Data collection is a necessary evil of cashback apps, but you can keep your info protected.

• Choose Reputable Apps: Stick to known names (like the ones in this guide) with positive reviews.
• Limit Permissions: Some apps ask for unnecessary access, like contact lists. Decline when possible.
• Watch Red Flags: Avoid apps with unrealistic promises, poor website design, or vague privacy policies. If it feels sketchy, skip it.

Speed Reads!

Here are the five key takeaways for putting this guide into action fast.

• Rakuten Rewards Rock: Use this app for online shopping and big bonuses during promotions.
• Scan Every Receipt: Apps like Ibotta and Fetch make even routine purchases profitable.
• Automate Effortlessly: Link cards to Dosh for automatic cashback, no work required.
• Stack for Super Savings: Combine app cashback, credit card rewards, and coupons whenever possible.
• Stay Cautious: Protect your data by sticking with secure, highly-rated platforms.

Cash in on Your Savings Journey Today!

If you’ve been putting off trying cashback apps, today’s a great day to start. You don’t need to be a finance expert or spend hours figuring this out. Just choose one or two apps from this guide, set them up, and watch your savings grow with every purchase. Trust me, once you see that first cashback deposit, you’ll realize how effortless this can be!