Earning rewards from spending money can actually reduce the burden of incurring expenses. This is why finding the best cash back apps to link to your credit or debit card is a smart idea. This way, you can shop through the cashback platform and watch your rewards accumulate. Although it won’t be a ton of money, it’s definitely a pat on the back for making big purchases.
Since you’d like to understand how cashback apps work and the best ones to use, follow this post closely. You are about to discover the most legitimate companies that reward its users with cashbacks and other nice perks for shopping. Sit back and relax as we get right into it!
What Are Cash Back Apps?
Cashback apps are online platforms that offer customers the opportunity to earn a bit of money for every purchase they make. The rewards can either be in cash, points, or other benefits like coupons or discounts.
How Do Cash Back Apps Work?
Cashback apps work by partnering with retailers and brands who are willing to pay the platform to refer customers to them. The cashback app then rewards its users by passing on a percentage of what they have been paid by the company seeking these referrals. This is how customers earn cashback.
The Benefits Of Cash Back Apps
Using cashback apps has a variety of benefits that regular customers can enjoy. Here are some of the common benefits you should be aware of:
Earning Extra Money
Well, this is the obvious one. The primary benefit of cashback apps is the ability to earn extra money on purchases you make.
Whether it’s groceries, clothing, or electronics, you can get a portion of your money back. It’s usually a small percentage (maybe 2-3% of your purchase), but it can amount to something significant when you shop regularly or make large purchases.
Easy To Use
The best cash back apps are quite easy to understand and use. They are usually designed to be user-friendly, with intuitive interfaces and straightforward processes. You can effortlessly link your credit or debit card to the app and start earning cashback when you shop online via the platform.
A Wide Range Of Retailers
Sometimes, when trying to find high-quality products at reasonable prices, you may have to check out numerous retailers. Cashback apps make this very easy because they partner with a large variety of retailers from major department stores to smaller online shops. This means you can earn cashback when shopping from almost any retailer.
Automatic Tracking
This is another useful benefit of using cashback apps.
Most of these platforms provide essential tools to help you track your spending and identify areas where you can save money. This can be a valuable feature for those looking to improve their financial habits and gain control of their spending habits.
Discover New Deals And Discounts
We are all looking for the best deals all the time. This is why people are sometimes compelled to shop from different retailers, hoping they get a better bargain. Fortunately, the best cash back apps often partner with retailers to offer exclusive deals, discounts, and coupon codes. This can help you save money on items you are already planning to buy.
12 Best Cash Back Apps To Earn Massive Rewards
Are you tired of spending your money on various purchases without getting anything in return? Here are some of the best cashback rewards apps you should check out:
1. Fetch Rewards
This company promises that its users can earn rewards (points) by shopping anywhere. It has become even more popular among cashback apps by offering people the opportunity to save money on groceries.
How does Fetch Rewards work? You earn points as rewards by taking a picture of your receipt for any transaction you make. The picture is what you are expected to submit as proof. Then you can redeem your points as gift cards or cash cards. This is one of the best cash back apps you can trust.
2. Shopmium
Shopmium offers discounts on a select few basic grocery store items at any given moment. Imagine receiving a dollar off a package of Huggies, a bottle of Tide stain remover, or a pack of Activia yogurt. Similar to other cashback applications, after purchasing the item, you take a picture of the receipt and the barcode on it, which you then upload to claim your rewards.
One downside about Shopmium is that it has a very limited selection of offers, unlike other platforms that pack in endless offers.
3. RetailMeNot
RetailMeNot is one of the most popular cashback apps to originate from a website. It was originally built to be a coupon finder, but it now allows users to activate offers for cash back. It lets you search and shop with discount codes. Your cashback is disbursed through Venmo or PayPal.
There is also a RetailMeNot Deal Finder browser extension that you can install on your desktop browser for an easier and more convenient shopping experience.
4. Upside
Upside is another amazing platform that rewards numerous users with cash back on purchases. The company offers cash-back incentives to people who patronize restaurants, grocery stores, and most importantly, gas stations. All you have to do to claim your offers is scan a receipt or check in on the spot after making payments at the store or gas station.
Also, redeeming your cashback rewards is very easy on Upside. You can use bank transfers, PayPal, or choose to receive the incentives as e-gift cards.
5. Ibotta
Ibotta has proven to be one of the best cash back apps for years. This is because they guarantee cash back whether you shop in-store, online, while traveling, or at restaurants.
However, coupons or discount codes are not available to track. You use the app to look for deals you like before you shop, and once you make a purchase, you upload a picture of your receipt.
On like most platforms, Ibotta allows you to redeem your rewards as gift cards or get a direct payment to your PayPal or bank accounts. Bear in mind that the company has a browser extension for desktop shopping.
6. Rakuten
As a well-known, credible cashback program, Rakuten claims to cover over 3,500 merchants and pays its users unfailingly via PayPal or checks. It also offers discounts on lodging, vehicle rentals, and airfare for travelers.
Unlike other cashback apps, what sets Rakuten apart is its ability to let users shop at thousands of merchants within the app and receive their cash back in the form of a check.
For someone who’s trying to earn cash back for the first time, this is one platform you might want to start with.
7. Receipt Hog
Receipt Hog is a unique platform among many cashback apps. The reason for this is that they gamify the shopping experience by offering cash back in addition to bonuses, surveys, sweepstakes, and slot machine spins that have the potential to award “coins.” A lot of users love being on the platform because they find it to be fun.
When you have earned enough reward points, you can exchange them for gift cards or cash via PayPal.
8. Dosh
Dosh is one of the best cashback apps for online shopping. With this platform, you can easily get rewarded for the things you buy every day. You earn cash back by shopping from retailers that have partnered with Dosh.
Don’t forget that you have to connect your credit or debit card to the app to accumulate your incentives. The cash-back rewards are automatically added to your Dosh Wallet, from which you can withdraw them to PayPal or your bank account.
9. Swagbucks
Swagbucks is probably the jack of all trades when it comes to helping people make money online.
Aside from rewarding its users for completing surveys, watching videos, and browsing the web, this platform also has a flexible cashback program where people can earn points (known as Swagbucks) for online shopping.
Once you have accumulated enough points to meet the threshold, Swagbucks allows you to withdraw your earnings via PayPal or redeem them as gift cards. It’s one of the best cash back apps you should consider.
10. Honey
Honey is an amazing platform built to help customers earn cashback very easily. During online checkout, the app and browser plugin finds and apply coupons automatically.
Honey also has a rewards program called Honey Gold that lets you accrue points for making eligible purchases. Mind you, the points are called “Honey Gold”. You can then exchange them for gift cards eventually.
11. Shopkick
Shopkick offers various ways to earn points (known as kicks) on the platform when you shop online. It’s one of the best cash back apps for groceries and other items.
You’ll be rewarded with “kicks” for entering stores, scanning product barcodes, completing transactions, and doing internet shopping. You can exchange your points for gift cards as most platforms allow.
12. Drop
With the help of the user-friendly Drop app, you can earn points for shopping when you link your credit or debit card. You are allowed to select your preferred stores, after which the application will monitor your purchases and award you points automatically.
When you have accrued enough points, you can redeem them as gift cards.
Success Tips For Using Cash Back Apps
Using cashback apps the right way is important, so you can make the most of each platform and get the rewards you deserve. Here are some helpful tips for you:
1. Use Multiple Cashback Apps
You can always maximize your earnings by using various cashback applications to shop.
Although it may seem like a headache trying to manage different apps, this is the only way you can earn more than the average user. You can benefit from the various perks and rewards that each app offers since you use more than one.
Besides, bear in mind that another app might provide cashback on a particular product or service if one app doesn’t. This means you don’t have to rely on a single cashback platform to earn as most people do.
2. Take Advantage Of Special Offers And Bonuses
A lot of the top cash back sites provide exclusive benefits and incentives as rewards for doing certain things, such as registering for a new service or reaching a target number of purchases in a predetermined amount of time. You can take advantage of these deals to increase your profits and expedite the process of meeting payout requirements.
Also, some cashback apps allow you to earn more by referring friends and family. When someone signs up and uses the app, you can get extra benefits by sharing your referral code with them.
Notwithstanding, to be sure you’re abiding by their policies, just make sure to review the terms and conditions of each app.
3. Use Other Savings Strategies
You may want to combine cashback apps with other savings strategies, such as using credit cards with rewards or searching for coupons and other discounts. This will help you to increase your earnings significantly.
Mind you, this doesn’t mean using only the cashback app isn’t a great idea. However, there’s always an opportunity to make even more money when you combine your cashback incentives with other money-saving strategies.
4. Spend Responsibly
You probably weren’t expecting this, but let’s face it! You need to curb your spending eventually even though cashback apps are promising to reward you for making purchases.
Here’s the thing: spending money just so you can earn cashback is not smart at all because you are actually losing more than you’re getting.
So, what do you do? It’s simple! Spend only on products or services you actually need. This way, your expenses won’t go overboard and you’ll also get the rewards for what you’ve spent already.
Final Thoughts On Best Cash Back Apps
It’s interesting to see how the best cashback shopping apps offer a convenient and rewarding way to save money on your everyday purchases. By utilizing these apps, you can earn extra cash, points, or gift cards anytime you shop through their platforms.
With a wide range of partnered retailers and user-friendly interfaces, cashback apps make it easy to maximize your savings. However, it’s important to be mindful of the terms and conditions associated with each app to ensure you’re getting the most out of your rewards.
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