25 Cash Back Apps and Sites Worthy of Your Attention in 2020

Editorial Note:

Updated: October 14, 2020

You’ve probably known all about the cashback via credit card or even debit cards. Did you know that in addition to credit card cashback, you can use extra cash via cash back apps and websites?

That’s right; you can stagger the rewards and earn both your credit card points and cash back from a website.

You’ve probably heard of such cash back sites as Rakuten, Ibotta, or even TopCashback. These websites return you a percentage of what you spend while doing shopping. Let’s explore the list of cashback websites, find out how they work, and how to choose the one that gives you the best redemption rate.

How Do Cash Back Apps and Sites Work?

Affiliate Fee Split

You may wonder where this cash comes from. Cash back apps and sites work together with retailers and are paid an affiliate fee to refer to customers. These sites then share a portion of their affiliate revenue with people who use them to make purchases.

Cash Back Process

  • Sign up for a free membership on a cash back website that you like.
  • Instead of visiting a retailer’s website, sign in to this cash back site, or use an app (most cash back sites offer apps).
  • Click on the link that takes you to your favorite retailer’s site.
  • Shop as usual.
  • The cashback website verifies your transaction, and your cashback reward gets approved.

How much money you get depends on the total amount of money you spent and the website’s offers. The percentage of the affiliate fee also varies by the retailer.

Different Payouts

Some websites and apps that allow you to earn cash back work a bit differently. Be sure to study the process carefully before signing up for the membership.

25 Cash Back Apps and Sites [10/05/2020]

Websites and Apps That Give Cash Back
Website NameMinimum Cashback Payment AmountPayout MethodsWelcome BonusGift CardReferral ProgramMobile AppBrowser ExtensionMore Info
BeFrugal$25, either once every 15 days or once every 30 daysBank account
PayPal
eGift card
Check
Venmo
$10 after earning $10 in cash back within 12 months of signing up for the membershipYesYes, $10YesYes
Checkout51$20Check$5 if you sign up via a referral link and redeem your receipts within 30 days of singing up for the membershipNoYes, $5Android
iOS
NoOnly an app.
Dosh$25PayPal
Gift card
Venmo
Give directly to charity
$5NoYes, $5YesNoAutomatic app. You need to link your debit or credit card to it.
Drop5,000 points (1,000 points = $1)Gift cardn/aYesYes, $5YesYesDrop is tool that allows you to earn points and redeem them for gift cards. You can link your debit or credit card to the account.
Earny$15PayPaln/aNoYes, $5Android
iOS
YesThe tool scans your receipts, detects price drops and allows your to get a refund; has price protection feature.
Fetch Rewards3000 points (3000 = $3)Gift card$2YesYes, 2000 points ($2)Android
iOS
NoThis tool scans your grocery receipts and adds the rebates in the form of points to your account.
Freebirdn/aDebit cardn/aNoYes, $5 (your friend will receive $10 for their two first rides)YesNoThe app allows you to earn rewards for Lyft or Uber rides.
Giving Assistant$5.99, dailyPayPal
eCheck
$5 if you sign up via a referral linkYesYes, $5NoYes
Honey1000 Honey Gold pointsGift card500 Honey Gold points, if you use a referral link to registerYesYes, 500 Honey Gold pointsAndroid
iOS
YesThis is a tool that provides you with online discount codes. This is done automatically. If you participate in Honey Gold Rewards Program, you can earn Honey Gold points and redeem them for gift cards.
Ibotta$20PayPal
Gift card
Venmo
Up to $20YesYesYesNoIbotta is a cashback app focused on groceries.
iConsumer$25n/a100 shares when shopping within 90 days of account openingYesYes, 100 sharesYesYesWhen using this tool, you are buying shares in the company.
InboxDollars$30PayPal
Gift card
Check
$5YesYesAndroid
iOS
YesSwagbucks has its rewards program that allows you to earn points called Swagbucks (SBs). They can be redeemed for gift cards or cash.
Mr. Rebates$10PayPal
Check
$7.50n/aYesYesYes
MyPointsNo minimum amountPayPal
Gift card
$10 after spending $20 within 30 days of your account openingYes, $10Yes, 25 pointsAndroid
iOS
YesAlso offers discount codes.
Paribusn/aUsed form of paymentNoNoNoiOSYesParibus is a tool that lets you know if the price of your purchase has dropped and helps you get a refund.
Pei$25PayPal
Gift card
Bitcoin
$5YesYes, $5Android
iOS
YesPei allows you to link your debit or credit card to the account.
Raisen/aDiscounted gift card10% off all discounted gift cards (maximum $20)YesYes, $5Android
iOS
YesAllows to earn Raise Cash and use it for making purchases with your gift card.
Rakuten$5.01, every three monthsPayPal
Check
$10 after spending $25 within 90 days of signing up for the membershipYes, $10YesYesYesCash back for offline purchases available
Receipt Hog1000 coinsPayPal
Gift gift
Magazine subscriptions
n/aYesNoYesn/aThis tool scans your receipts and allows you to earn rewards and coins for playing games at the Hog Slots, taking surveys and others.
SavingStar$5PayPal
Bank account
Give directly to charity
n/aNoYes, for blog and website ownersAndroid
iOS
NoA grocery rebate app. Getting rebates varies by store.
ShopAtHome$20PayPal
Gift card
Check
$10 after spending $25 within 30 days of signing up for the membershipYesYesAndroid
iOS
Yes
ShopKick500 Kicks (=$2)eGift card
sometimes other options
VariableYesYes, 250 KicksYesNoAn app that allows you to earn points called Kicks for in-store and online purchases.
Swagbucks300 SwagbucksPayPal
Gift card
300 Swagbucks within 30 days of signing up for the membershipYesYes, 300 SwagbucksAndroid
iOS
YesSwagbucks has its rewards program that allows you to earn points called Swagbucks (SBs). They can be redeemed for gift cards or cash.
TopCashbackAt any time at your request as soon as your cashback gets "payable" statusBank account
PayPal
Gift card
$20, expires December 31st, 2020YesYesYesYes
Wikibuy$5Gift cardn/aYesYesAndroid
iOS
YesThis is a coupon and rewards tool that belongs to Capital One. It also offers a price comparison tool and price drop tracking.

What to Consider While Choosing Cash Back Apps and Sites

  • Minimum payout amount: You often need to spend a threshold amount of money on purchases before receiving the cashback. The amount varies by site.
  • Payout periods: Each website has a different payout period.
  • Payout methods: Some websites allow you to get cash in the form of gift cards, others can send you a check or cash via PayPal.
  • Selection of retailers: Some cash back sites only work with a limited amount of retailers.

Don’t Buy Stuff Just for the Points

It’s great when you can get cash back while shopping. However, you are not “earning” anything when you use cash back apps or sites. You are just trying to recoup some of the money spent. Remember that to build wealth, you need to spend less and save more. Try to stay disciplined with money and form healthy spending habits.

Ekaterina Redko

I have always wanted to live a full life without stressing out about money. After finishing university, I started work and soon realized that my salary didn’t match the kind of life I wanted. I took a side hustle, hoping it would make me wealthier – it didn’t. I still had to live paycheck to paycheck. Why? I wanted to figure this out and did it.

The truth is that it is not the amount of money that makes you wealthy, but the way you manage it.  My problem was the lack of proper spending habits and discipline with money. I created a  budget and started saving. Budgeting took me a lot of time and effort, but that was worth it.

Now I understand that how much you save is way more important than how much you earn. Saving is one of the core principles of building wealth and achieving financial independence.

With Financial Freedom Guru, I’d like to share my knowledge and experience of managing money and building wealth. I hope that together we’ll manage to pave the way towards Financial Freedom.

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Jennifer Helliwell
Jennifer Helliwell
4 days ago

TopCashback is absolutely brilliant. I check for absolutely everything on it if buy it online

Roman Zelvenschi
1 hour ago

Awesome would need to check it out as well! More Cashback more better!

Alice Moore
Alice Moore
4 days ago

Quidco is my top. I’ve had over 200 since March xx

Roman Zelvenschi
1 hour ago
Reply to  Alice Moore

Wow, that’s nice, how much did you spend to get that much back?

Karen
Karen
4 days ago

I use Topcashback and scan my receipts at shoppix

Roman Zelvenschi
1 hour ago
Reply to  Karen

Interesting, thank you for the insight Karen!

Cheryl
Cheryl
4 days ago

My favourite – ShopKick. But I am strict with myself and only but if i think I’ll like and the reward is high enough

Roman Zelvenschi
1 hour ago
Reply to  Cheryl

Well, you shouldn’t be buying stuff just to get cashback, that is the rule number one just buy what you need!

Rachel
Rachel
4 days ago

I do swagbucks surveys but get addition points for uploading my receipts.

Roman Zelvenschi
1 hour ago
Reply to  Rachel

Thanks for sharing Rachel, so many ways to earn cashback these days!

Michel
Michel
4 days ago

 Was mostly using boom25 but since covid, the pay back isn’t so good, so using quidco until it gets more back to normal

Roman Zelvenschi
1 hour ago
Reply to  Michel

Thank you for your insight Michel. Will need to check out these cash back apps