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The Best Cash Back Apps for 2022

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Whether you're heading to the grocery store or need to buy some new clothes, it can be fun to earn rewards for shopping. Cash back apps are an easy way to save money and earn money back on your everyday purchases. The best cash back apps are free to use and can be a great tool to add to your regular personal finance routine. So if you're not using these cash rewards apps, you're missing out on free money. Check out these popular choices for best cash back apps for August 2022.

The Ascent’s best cash back apps:

  • Ibotta: Best cash back savings app
  • Fetch Rewards: Best cash back app overall
  • Dosh: Best cash back app for online and in-person shopping
  • Rakuten: Best cash back app for online shoppers
  • Checkout 51: Best cash back app for gas stations

1. Ibotta

Ibotta
Best cash back savings appIbotta

Bottom line: Ibotta is a popular cash back app that allows users to earn cash rewards when shopping at grocery stores and other popular retailers. It functions as a receipt scanning app. You can download the mobile app or use the browser extension and find offers that appeal to your needs. You will then need to activate each offer. You'll notice that each listed offer has a dollar amount attached to it. To earn cash back, you can scan a receipt, or you can link a store loyalty card. The Ibotta app lets you withdraw cash back earnings any time your account reaches a minimum of $20. Another option is to redeem cash back for gift cards, some of which have a minimum redemption amount of $25.

What makes Ibotta one of the best cash back apps is that it features hundreds of retailers, such as Staples, Walmart, The Home Depot, Walgreens, Kohls, Target, Party City, and Wegmans. With so many popular retailers featured within this app, it's no wonder Ibotta is one of the best apps for earning extra cash back on purchases.

  • Rewards rates: Varies; some offers are for $0.10 cash back, while others offer $1.00 or more
  • iOS app rating: 4.8/5 stars
  • Android app rating: 4.5/5 stars
  • Cost: Free

READ MORE >> Ibotta review

2. Fetch Rewards

Fetch Rewards
Best cash back app overallFetch Rewards

Bottom line: Fetch Rewards allows shoppers to earn rewards on their regular shopping trips, including visits to grocery stores, convenience stores, big-box stores, and restaurants. To earn reward points, you need to upload a receipt within 14 days of shopping. You can do this by linking your email and submitting an e-receipt or taking a photo of a physical receipt. There's no need to apply or save specific offers before shopping. Instead, you'll earn points on all of your regular shopping. Some featured brands will earn more points, but just going shopping and uploading a receipt will earn you points, no matter what.

The best cash back apps make it easy to redeem earnings, and Fetch is no different. You'll be able to exchange your points for gift cards to popular retailers. You also have other redemption options, such as redeeming your points for charity donations or using your points to enter monthly sweepstakes. You can cash out at as little as 3,000 points ($3). Since it's so simple to earn and redeem points, this is a favorite app for people who want an easy, no-planning-necessary cash back rewards app.

  • Rewards rates: Base rate of 1% of the final purchase price
  • iOS app rating: 4.8/5 stars
  • Android app rating: 4.5/5 stars
  • Cost: Free

READ MORE >> Fetch Rewards review

3. Dosh

Dosh
Best cash back app for online and in-person shoppingDosh

Bottom line: Dosh is one of the best cash back apps because it provides a variety of options for earning rewards. This app promises automatic cash back when shopping, dining, or booking hotel stays. The Dosh app doesn't require users to upload receipts. Instead, you'll have to link your debit or credit card to the app to automatically earn cash back. There's no need to activate offers -- rewards for eligible purchases will automatically be placed in your Dosh wallet. Once you reach at least $25, you can transfer your cash back to your bank account, PayPal, or Venmo, or you can donate your cash back earnings to charity.

  • Rewards rates: Varies; many retailers offer 2% to 3%
  • iOS app rating: 4.7/5 stars
  • Android app rating: 4.4/5 stars
  • Cost: Free

READ MORE >> Dosh review

4. Rakuten

Rakuten
Best cash back app for online shoppersRakuten

Bottom line: Rakuten, previously named Ebates, is both a cash back and shopping app that lets you earn cash rewards for shopping in various categories. This includes purchasing clothes, ordering takeout, booking travel, and buying home improvement items. Each participating retailer will list a cash back percentage that they're offering, and you earn cash rewards just by shopping as you normally would.

Rakuten provides cash back offers for both online purchases and in-store purchases. For an online purchase, a user must click a Rakuten link to activate it and then go through the checkout process. For in-store shopping, users can link their credit or debit card to Rakuten, then click on an in-store cash back offer to activate it and shop like normal. Payments are sent out every three months. You can choose to receive your cash through your Paypal account or a paper check if you prefer. You also have the option to donate your cash back earnings to a nonprofit organization.

  • Rewards rates: 1% to 10%, or more
  • iOS app rating: 4.7/5 stars
  • Android app rating: 4.1/5 stars
  • Cost: Free

READ MORE >> Rakuten review

5. Checkout 51

Checkout 51
Best cash back app for gas stationsCheckout 51

Bottom line: Checkout 51 is a rewards app that allows users to earn cash back on grocery and gas purchases. To take advantage, you'll have to add offers within the app, then click "redeem" to check off items that were purchased. Finally, a receipt needs to be uploaded by taking a photo. Once the receipt is verified, cash back is added to your account.

What makes Checkout 51 another one of our best cash back apps is that it's also a coupon app that helps users save even more money when shopping. You can cash out your account balance as soon as it reaches $20. Cash back is available in the form of a paper check or PayPal. New offers appear every Thursday, and you can also take advantage of a search feature that lets you find your favorite products or get inspiration before shopping.

  • Rewards rates: Rewards rates vary
  • iOS app rating: 4.1/5 stars
  • Android app rating: 4.4/5 stars
  • Cost: Free

READ MORE >> Checkout 51 review

Types of cash back apps

If you're looking for a simple move that can save money, cash back apps are one way to go. But not all cash back apps function in the same way. Here are some of the types that are available:

  • Earn points: Some of the best cash back apps reward you with points. The more you shop and spend money, the more points that you earn. Eventually, you can redeem your points for cash back or exchange them for a gift card.
  • Earn cash back: The best cash back apps are all about the cash rewards. Each purchase will earn a certain cash back amount, and your earnings accumulate until you're able to cash out. Rewards can be redeemed for cash or a gift card.
  • Receipt scanning apps: Some cash back apps require you to upload or scan your receipt after shopping. You're then rewarded with points or cash based on the eligible purchases that you make.

Card-linked reward apps: Some of the best cash back apps require you to link your credit card or debit card. Doing this allows the app to check and see when you make eligible purchases. This is helpful for people who don't want to take the time to scan a receipt. Instead, the app does the work for you and tells you when you have earned rewards.

Earn even more cash back: Check out our top picks for the Best Cash Back Credit Cards

Features of the best cash back apps

While there are many grocery cash back apps and cash back receipt apps available, you want one that has features that are the most useful to you. Here are some of the features that you should look for in the best cash back apps:

  • Rewards redemption options: It should be easy for you to redeem the rewards that you've earned. Look for the best cash back apps that offer multiple redemption options. If cash back is awarded, you should be able to request a check or have the money sent to PayPal.
  • Can be used at many stores: The best cash back apps can be used at many stores. You want to make sure that you'll get regular use out of the app that you choose and that the retailers listed fit with your shopping preferences and habits.
  • Low minimum redemption amount: You want to be able to cash out your earnings quickly. Be sure to look for apps that have low minimum redemption requirements so that you're able to get access to your money or redeem for gift cards sooner rather than later.

Typical cash back app fees and costs

The nice thing about the best cash back apps is that they're free to use. You won't need to pay a monthly subscription fee or pay a one-time fee to download these apps to your phone. Simply do your everyday shopping and follow the app's instructions to earn rewards.

FAQs

  • Yes. Rewards apps are an easy way to earn money and get cash back for everyday purchases. While the rewards and amount of cash back you can earn vary, this is a simple way to earn extra money.

  • Each app has its own rewards rate, which can vary depending on where you're shopping or what products you're buying. Typically, you can expect to earn at least 1%. Some cash back apps offer higher rewards rates, allowing you to earn much more. It just depends on how much you spend and how often you go shopping. To maximize your earning potential, make sure that you follow each app's instructions and use the app regularly when shopping.

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