15 of the Best Cashback Apps and Websites of 2022

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Best Cashback Apps and Websites

Cashback apps provide an easy way to save money, but with so many options out there, how do you know which apps and websites are worth your time? Here is our list of the best cash back apps you can start using today.

Whenever you’re looking to save money or create some extra breathing room in your budget, one of the first things you should do is look for easy wins. An easy win is something that takes little-to-no effort on your part, will have no negative impact on your life, and still saves you money.

Of course, there are a lot of different ways you can save money (you can find plenty of ideas in the article 101 Practical and Realistic Ways to Save Money).

But the truth is, some methods for saving money take quite a bit of work or sacrifice on your part. That doesn’t mean these methods aren’t worth your time or effort, but I always recommend starting with the easy wins and then moving on from there.

The easy wins will not only help you to get extra money very quickly, but they’ll also give you encouragement and motivation from seeing noticeable results so quickly.

One of my favorite easy wins is to use cash back apps and websites. They pay you for buying things you need to buy anyway. To make it even better, you can combine them with a good cashback credit card or coupons to save even more money (see How to Stack Rewards and Cash Back).

This article highlights 15 of the best cash back apps and websites that you should consider using. To make the deal even sweeter, many of them offer a signup bonus just for joining.

For a long time, I didn’t use cashback sites or apps because I didn’t want to be bothered. But within the past few years, I’ve made an effort to maximize my credit card rewards (another easy win) and that led me to try cashback sites as well. Once you start using a few of these sites or apps, you’ll be pleasantly surprised at just how easy it is to get free money this way.

The Best Cash Back Websites and Apps

While the goal of all of these sites/apps is to help you save money, they don’t all function in the same way. I’ll try to explain the most important factors about each so you can decide which ones are best for you.

Everyone should be using the top 5 cash back apps and sites listed below. The others listed are also great, but the top 5 will give you great results with minimal effort on your part.

1. Slide

Best Cashback Apps - Slide

Slide is my favorite cashback app because it offers an easy way to get 4% or 5% cashback rewards on every purchase made at hundreds of leading retailers and restaurants. You can also stack this with a good rewards credit card to increase the impact.

Some of the apps and websites we’ll cover later in this list allow you to earn higher amounts of cashback, but they may be limited to purchases of specific products or in certain categories. Slide is very straightforward. You’ll get a flat 4% cashback on all everyday purchases made at stores, websites, and restaurants that participate in their program.

Slide has partnered with leading retailers and restaurants like Lowe’s, Petco, PetSmart, AMC, GameStop, CVS, eBay, Office Depot, OfficeMax, Wayfair, DoorDash, Grubhub, Dunkin’ Donuts, Subway, Panera Bread, Taco Bell, and hundreds of others.

Earning cashback with Slide is extremely easy. You’ll pay through the Slide app at the checkout whether it’s in store or online, and automatically earn 4% cashback. If you pre-load your Slide account with money, you’ll earn an extra 1%, bringing the total cashback from Slide to 5%.

You can easily withdraw the cash once you’ve earned at least $15.

Slide Highlights:

  • Earn 4% cashback on every purchase at hundreds of leading retailers
  • Get an extra 1% cashback if you prepay
  • Works online and in-store
  • Easy to use
  • Easy to stack with a rewards credit card
  • Sign up for Slide here

2. TopCashback

Top Cashback

TopCashback is an amazing resource that many people aren’t using. They partner with well over 4,000 online retailers to offer cashback on your purchases. You’ll find partners in every category including department stores, home and garden, health and beauty, travel, fashion, technology, toys, hotels, and more.

Where TopCashback really stands out is in the percentage you can earn from each purchase. While several of the other apps listed below also partner with thousands of online retailers, you’ll find that TopCashback frequently offers a higher percentage of cash back.

Of course, the offers vary depending on the store. Sometimes another rewards app will beat TopCashback’s offer, but from my experience, TopCashback comes out on top overall. If you want to maximize your rewards, you need to be using TopCashback.

TopCashback also offers a convenient browser extension that makes it easy to save. With the browser extension installed, you’ll see a notification whenever you’re browsing a website that has an offer available. All you need to do is click a button in the notification to take advantage of the cashback offer or coupon. This makes it super easy to save, and ensures that you won’t miss out on opportunities.

You can use TopCashback via desktop browser, or through the mobile app for iPhone or Android.

TopCashback highlights:

  • Earn cashback from thousands of different websites
  • TopCashback often has the highest offer available
  • Convenient browser extension
  • Use in a desktop browser or through the mobile app
  • Sign up for TopCashback here

3. Rakuten ($10 signup bonus)

Rakuten

Rakuten (formerly known as Ebates) is one of my favorite sites and apps for cash back, and it’s also probably the most well-known in the industry. You can use the desktop website or the mobile app to earn cash back. All you need to do is go to Rakuten first, then click through to one of their partner websites and you’ll earn cash back for your purchase. With thousands of websites/stores in their program, your balance can grow really quickly.

One of my favorite features of Rakuten in their browser extension. You can easily and quickly get their cash back button for internet browsers like Chrome and Firebox. As you’re browsing, the extension will alert you when you’re visiting a site that offers cash back through Rakuten. Then, all you need to do is click on the button to activate the cashback deal. This makes it extremely easy to earn cashback since they’re reminding you about it.

Another feature that I love is how Rakuten will automatically search and find coupon codes that you can use. When you’re going through the checkout process on one of their many partner websites, Rakuten will alert you if there’s a coupon code than can save you some money. It doesn’t get any easier than that!

As a Rakuten member, you’ll have access to limited-time offers including discounts and extra cash back. They’re always running promotions with different stores and websites, so if you keep your eyes on these offers, you can find some great deals.

You’ll also have the opportunity to earn cash back from in-store purchases, although the current number of these offers is much smaller than the offers for online shopping through Rakuten.

In my opinion, using Rakuten is a no-brainer. They make it so easy and effortless to save money, and there are so many great websites and stores in their program. If that’s not enough to convince you, Rakuten will also give you a $10 bonus for signing up (to get the bonus you must make a purchase of at least $25 within 90 days).

Rakuten has a ton of great websites and stores in their program. I don’t want to list percentages of cash back by site/store because that can change quickly, but through Rakuten you can earn a reward for purchases at Walmart, Ebay, Macy’s, Expedia, Jet, Staples, Lowe’s, and many others.

Rakuten Highlights:

  • $10 sign up bonus
  • Get paid with a check or PayPal, not a free gift card
  • Industry leader
  • Convenient browser extension
  • Automatically finds coupon codes to save you more money
  • Earn cash back for online and in-store purchases
  • Limited-time promos allow you to earn more cash back
  • Sign up for Rakuten here to get the $10 bonus

4. Swagbucks ($5 signup bonus)

Swagbucks

Swagbucks is different than any other cashback site that we’ve looked at so far. You can earn points (they call them Swagbucks) for several different things like taking surveys, watching videos, playing games, downloading apps, and more. One of the ways you can earn is by shopping at the thousands of websites that have partnered with Swagbucks.

If you install their extension to your browser, it will notify you of cash back opportunities while you’re browsing (very similar to the Rakuten and TopCashback browser extensions). You can earn Swagbucks on your mobile phone, tablet, or desktop/laptop. Redeem your Swagbucks for cash (through your PayPal account) or gift cards.

Although the cashback aspect of Swagbucks is similar to Rakuten and TopCashback, you should sign up for all three. Not every store will be a part of all programs, and sometimes the reward is higher with one app than another.

Swagbucks highlight:

  • $5 sign up bonus
  • Several different ways to earn money, including cash back from shopping
  • The browser extension notifies you of cashback offers
  • Sign up for Swagbucks here

5. Ibotta ($20 signup bonus)

Ibotta

Ibotta is a popular cashback app, but it works much differently than the others we’ve looked at so far. You can install Ibotta on your smartphone (use this link to get a $20 sign up bonus) and you’ll be able to browse excellent money-saving offers. You can browse the offers by store or view the hottest offers.

You’ll then claim the offers that you want, and you’ll earn cash back after you’ve made the purchase. If you’re making the purchase in store, you can use your phone to scan your receipt, or link it to your store loyalty card.

You can also shop online to earn cash back from Ibotta. Simply click through the app to one of their partner websites and it will automatically track your shopping trip and add the cash back to your account.

They also offer Pay with Ibotta, which allows you to pay through the app at more than 30 participating retailers. You earn cashback for purchases that you make through Pay with Ibotta.

I’ve been using Ibotta for a few years and I love how easy they make it for you. Some of the offers allow you to earn a pretty significant amount of cash back.

Ibotta will give you some great offers where you can earn a few dollars at a time. Last month I got $5 in cash back just for making any purchase on my mobile phone through the app. I just went to Walmart.com and bought a few things that I needed anyway. An easy $5!

Ibotta is great for saving money at grocery stores, as there are a lot of grocery shopping offers. You can also use it at department stores like Walmart,  clothing stores, and even for travel booking. I’ve also saved money at Lowe’s a few times with the help of Ibotta.

You can redeem your cash rewards to PayPal, or you can use it for gift cards to your favorite stores and restaurants. Sometimes you’ll get an offer for extra savings if you opt for a gift card from certain retailers or restaurants.

Ibotta highlights:

  • $20 sign up bonus
  • Cash back for in-store and online shopping
  • A lot of offers to choose from
  • Redeem for cash (through PayPal) or gift cards
  • Great for grocery stores, department stores, and more
  • Sign up for Ibotta here to get the $20 bonus

6. MyPoints ($10 signup bonus)

MyPoints

MyPoints is similar to Swagbucks in a lot of ways. You can earn points for taking surveys, watching videos, and playing games, in addition to cash back from your shopping. The Score browser extension from MyPoints will notify you of cash back offers while you’re browsing.

You can redeem your points for gift cards from many different stores/websites/restaurants.

One cool feature of MyPoints is the Daily 5. If you complete 5 of these items you’ll earn 5 bonus points, plus the points you earn for each of the tasks.

Like Rakuten, Swagbucks, and TopCashback, MyPoints has partnered with thousands of different retailers and websites, so there are lots of opportunities to save money through their program.

Right now you can get a $10 Amazon gift card if sign up for MyPoints.

MyPoints highlights:

  • $10 sign up bonus (Amazon gift card)
  • Several different ways to earn money, including cash back from shopping
  • The Score browser extension notifies you of a cash back offer
  • Sign up for MyPoints here
MyPoints - Cash Back and Rewards MyPoints - Cash Back and Rewards

Earn cash back from purchases at thousands of online retailers and earn rewards for simple tasks like taking online surveys, watching videos, and printing coupons. Sign up for MyPoints now for a $10 bonus!

Features:
  • Earn a $10 Amazon gift card with your first purchase
  • Lots of ways to earn points for PayPal cash or gift cards
  • MyPoints has awarded over $236 million since 1996
  • Easy side hustle for your spare time

7. Bumped

Bumped

Bumped is technically not a cashback app, but I wanted to include it in this article because it functions pretty much the same way, and because I love it.

Instead of cashback, Bumped allows you to earn stock based on your purchases. When you create your account, you’ll be able to pick your favorite merchant (called “loyalties”) from several different categories. You’ll also link your debit and credit cards to the app and then whenever you make a purchase at one of the merchants you’ve selected, you’ll earn stock as a percentage of the purchase.

For example, if McDonald’s is selected as your favorite fast food restaurant, you’ll earn fractional shares of McDonald’s stock worth 3% of your McDonald’s purchases. You’ll be earning stock from the stores, restaurants, and gas stations that you shop at the most.

The best part of Bumped, in my opinion, is that you’ll earn the stock rewards on top of other cashback or rewards. If you pay with a cashback credit card, you’ll earn rewards from the credit card as well as the stock. And if you’re making a purchase from a store or restaurant that has some sort of loyalty program, you’ll also earn those rewards.

In addition, you can also make purchases from many of your favorite websites through the app to earn additional stock rewards.

I highly recommend Bumped as an easy way to get free stock.

Bumped Highlights:

  • You’ll earn fractional shares of stock instead of cash back
  • Select your favorite stores and brands in several different categories
  • Link your credit or debit cards to the app to automatically earn stock for your purchases
  • You’ll earn stock whenever you make a purchase with a linked card at one of your selected merchants
  • Sign up for Bumped here

8. Dosh ($1 signup bonus)

Dosh

Dosh is another one of my favorites, and I recommend that everyone use this app because it’s incredibly easy. There are a few different ways to earn, but the easiest way is to simply link your credit and debit cards to your Dosh account. Whenever you pay with one of your cards at one of their partner stores you will earn cash back. That’s pretty easy!

I recommend everyone to use Dosh because it takes just a minute to create your account and link your cards. And you can start earn cash back right away.

If you sign up for Dosh through this link, they’ll give you $1 when you link your first card.

The Dosh app will show you a list of cash back offers from stores and restaurants that are near your current location. Many of these are local places. You won’t find a lot of these stores and restaurants with many other cash back websites or apps. I’m seeing up to 10% cash back offers from stores in my local area.

You can also earn cash back by shopping online through Dosh. This works similarly to Rakuten or Ibotta. Just go to Dosh first, click through to the site you want to shop at, and you’ll earn some cash back.

Dosh highlights:

  • Easy cash back by linking your credit can debit cards to the app
  • $1 bonus when you link your first card
  • Earn cash back from local stores and restaurants
  • Use the app to find offers near you
  • Shop online through the app to earn more cash back
  • Sign up for Dosh here to get the $5 bonus

9. Drop

Drop

Drop is very similar to Dosh, and it’s another app that I recommend to everyone. Just like Dosh, I recommend Drop because it’s so easy. Recently I created a Drop account and linked my credit cards. Then I started getting notifications of points I had earned. Without even realizing it, I shopped at a few stores and restaurants that are in Drop’s program and I earned a reward because I paid with my linked credit card. That’s as easy as it gets.

When you create your Drop account, you’ll choose five of your favorite stores or restaurants that are in their program. Whenever you shop at any of those five places and use your linked credit or debit card, you’ll earn points. You’ll also be able to earn points by making other purchases and claiming offers through the app.

Drop uses points, and then you trade in those points for gift cards at many different stores and restaurants.

Drop highlights:

  • $1 bonus for signing up
  • Easy cash back by linking your credit can debit cards to the app
  • Redeem your points for gift cards to many different stores/restaurants
  • Sign up for Drop here

10. CoinOut

CoinOut

With the CoinOut app, you can scan any receipt and earn cashback. You can also click through the app to earn much more cashback at places like Walmart, eBay, Groupon and others.

Possibly the most interesting part of CoinOut is the fact that there are no minimum requirements for cashing out. You can redeem your cash or PayPal rewards at any time. Almost every other cashback app requires you to reach a minimum threshold before you can redeem, so CoinOut is unique in this way.

CoinOut Highlights:

  • Scan any receipt to earn cashback
  • Click through the app to earn more cashback from certain websites
  • No minimums – cash out at any time
  • Sign up for CoinOut here

11. Fetch Rewards

Fetch Rewards

Fetch Rewards is the best cashback app created specifically for groceries. The best part is, it’s super easy to use. All you need to do is use the app to scan your grocery receipts and you’ll earn points for each receipt.

On top of the points that you’ll earn for each receipt, you’ll also earn points every time you purchase a product from certain brands (and there are a lot of different brands that participate). You don’t need to claim these offers. The points will automatically be added to your account after you’ve scanned the receipt.

There are also some limited-time offers that you can redeem if there is an offer for something you want or need to buy. Again, these will be credited to your account if you purchase the item and scan a receipt for that purchase.

The ease of use is definitely one of the best features of Fetch Rewards. If you don’t like spending time looking at special offers, all you need to do is scan your receipts and Fetch Rewards will do the rest. And since we all need to buy groceries, earning some cashback for those grocery purchases is a great way to save money.

Once you’ve earn some points, you can redeem the points for your choice of rewards, like gift cards to your favorite stores or websites.

The downside of Fetch Rewards is that your rewards won’t pile up as fast as with the best cashback apps listed near the top of the article. Fetch Rewards is easy, but you won’t earn a huge amount of money with it.

Fetch Rewards Highlights:

  • Cashback app specifically for groceries
  • Simply scan your grocery receipts to earn points
  • Earn extra points for buying products for specific brands
  • Limited-time promos allow you to earn points for purchasing certain products
  • Redeem points for gift cards
  • Sign up for Fetch Rewards here and use the code FETCH2K to get a $2 bonus

12. Checkout 51

Checkout 51

Like Fetch Rewards, Checkout 51 is an excellent cash back app specifically for groceries. I prefer Fetch Rewards because it’s faster and easier to use, but Checkout 51 is good too.

It works similarly to Ibotta. You’ll browse the available, claim the ones that you want, and then scan your receipt after the purchase.

Some of the offers are for specific grocery store chains and others can be redeemed at any grocery store. The offers change every week, but there is always quite a variety.

One of the nice things about Checkout 51 (and Ibotta and Fetch Rewards also) is that you can use the app in addition to using clipped grocery coupons.

When you cash out your balance you’ll be paid by check.

Checkout 51 highlights:

  • Cash back app for groceries only
  • Get paid by check
  • Offers for specific grocery stores, as well as general offers.
  • Sign up for Checkout 51 here

13. Rebaid

Rebaid

Rebaid is much different than any of the other sites/apps listed on this page. Rebaid specifically focuses on rebates for purchases made on Amazon, and you can earn some really amazing rebates, including some rebates for 100% of the purchase price.

More than half of the sales made on Amazon today are from third-party sellers. There’s a great deal of competition among sellers who are trying to get their products to rank at the top of Amazon’s search results. Many sellers are willing to offer outstanding rebates in order to get some momentum and increase sales.

Through Rebaid, Amazon sellers can offer rebates on their products. As a buyer, you can create a free Rebaid account to see all of the current offers. After you make a purchase, you’ll provide Rebaid with your Amazon order number so the purchase can be verified. After the purchase is verified, you’ll be eligible for the rebate.

If you like shopping at Amazon and you like saving money, Rebaid is a site you should definitely check out (you’ll probably be interested in these other sites for Amazon coupons and rebates).

Rebaid Highlights:

  • Get rebates, up to 100%, for  purchases made at Amazon
  • Browse the available offers and purchase items that you want
  • Sign up for Rebaid here

14. RebateKey

RebateKey

RebateKey is another rebate site that’s very similar to Rebaid. You’ll find very significant rebates, up to 100% off. The offers are constantly changing and the selection is hit or miss, so it’s best to create a free account and then check the site every now and then to see what’s available. You can score some great deals with just a small amount of effort

Highlights of RebateKey:

  • Get rebates, up to 100%, for  purchases made at Amazon
  • Browse the available offers and purchase items that you want
  • Sign up for RebateKey here

15. ShopKick

ShopKick

ShopKick is a bit different from any of the other cash back apps or websites on this list. With ShopKick you earn points (they call them “kicks”) for different activities. You can earn kicks for things as simple as walking into a store and/or scanning a barcode on a product with your phone.

You can link your credit or debit cards and earn kicks for purchases at their partner stores. You can also make an online purchase and earn kicks. You can then redeem your kicks for gift cards.

ShopKick highlights:

  • Earn kicks in many different ways, even just by walking into stores or scanning barcodes
  • Earn cash back from purchases made with a linked card or online purchases
  • Sign up for ShopKick here

Frequently Asked Questions

What’s the best cash back app?

There are a lot of great apps that serve different purposes, so the best one will depend on what you’re looking for. Slide is an excellent app that offers a straightforward 4% cashback on all purchases at participating retailers. TopCashback is another outstanding option for online shopping. They have some of the best offers you’ll find anywhere.

Are cash back apps worth my time?

Yes, they are. You won’t need to spend a lot of time and you can easily save money on many of the purchases you already make.

Is cashback the same as a discount?

No, it is not. A discount saves you money at the time of purchase. For example, a $100 product with a 10% discount will cost you only $90. A cashback offer gives you money after you’ve made the purchase. For example, you’ll pay $100 for the same $100 product with a 10% cashback offer, and then you’ll get $10 back at some point (usually 30-60 days after the purchase).

What is the best cashback app for groceries?

Ibotta is our favorite option for groceries. While it’s not exclusively a grocery app, there are always many outstanding offers for grocery stores.

What is the best cashback app for in-store shopping?

Ibotta can be used for shopping online or in-store. There are many apps that offer cash back for online shopping, but fewer with decent offers for in-store shopping. Ibotta generally has the best offers if you’re looking to earn rewards for your shopping trips to stores in your local area. Slide is also very good for in-store shopping.

Start Earning Rewards with the Best Cashback Apps

Now that you’ve read through this article, be sure to take action and sign up for a few of these sites /apps so you can start earning cash back on the money you’re spending. All of these options have something to offer, but I recommend going back to the top of the page and starting with the first five that are mentioned. I think you’ll find this is a great way to get some free money with very little effort.

READ NEXT: How to Stack Rewards and Cash Back



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