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An inevitable fact of life is that we all have to spend money. Earning cash back on necessary expenses can be a huge win and with the right approach you can easily rack up a significant amount of cashback over the course of a year.
There are several different ways that you can earn cashback on your purchases, including:
- Paying with cashback or rewards credit cards
- Using cashback websites and apps like Rakuten and TopCashback
- Automated apps that make it super-easy to earn cashback with little-to-no effort on your part
The Dosh app falls into the last category. It takes just a few minutes to set up, and then you can earn cash back on qualifying purchases automatically.
If you’re like me and you love to maximize the cashback and rewards that you earn, Dosh should be a part of your strategy.
This article will explain all of the important details and answer questions that you might have about Dosh.
What is the Dosh App?
While cashback apps and websites are very popular (see our favorite cashback apps here), there are many different types. Websites like Rakuten and TopCashback make it easy to earn cashback from your online purchases. Even other sites like Swagbucks and MyPoints have very strong cashback components for online shopping.
Dosh is much different than the cashback apps/sites listed above. The most interesting thing about Dosh (in my opinion) is that it takes very little effort and is mostly passive.
After you sign up for a free account with Dosh, you’ll link your credit or debit cards to the app. Whenever you make a purchase at a participating store or restaurant using one of your linked cards, you’ll earn cashback. You don’t need to scan receipts or claim offers. It takes just a minute to link a card, and then you’ll be all set to earn cashback whenever you make a purchase at a store or restaurant that participates in Dosh’s program.
The amount of cashback that you’ll earn will vary, but most of the offers in my local area are for 3-5% cashback. Some of the offers are from national chains (including Sam’s Club, Pizza Hut, Denny’s, Cater’s, and more) and many are smaller local restaurants and retailers. Most other cash back programs only cover national brands, so the local offers are a nice touch that is somewhat unique to Dosh.
From inside the Dosh app, you’ll be able to see all of the in-store offers that are near your current location, which makes it very easy and convenient to see where you can earn cashback.
Aside from the in-store offers, you can also earn cashback for some online purchases. Dosh lists these offers separately from the in-store offers, and in order to get credit for the online purchases, you will need to click through a link in the app before you make the purchase. Some of the online offers are for up to 10% cashback.
A new addition to Dosh is the capability to earn cashback for hotel stays. From within the app, you can browse hotel rooms and you’ll see exactly how much cash back you can earn if you book the room through Dosh. From my initial testing, the hotel prices through Dosh are similar to what you’ll find on the major booking comparison sites, but the amount of cashback you can earn by booking through Dosh is pretty significant in a lot of cases. This is a great, and easy, way to save money on travel.
Pros of Dosh
Let’s take a look at some of the reasons why you may want to sign up for a free account with Dosh.
Passive Cash Back
As I mentioned earlier, earning cashback with Dosh is extremely easy and won’t take up much of your time. In just a few minutes, you can sign up and link your cards. That’s all you have to do to be able to earn cash back for in-store purchases.
For online purchases or hotel bookings, you’ll need to click through the links in the app, but generally it’s a passive way to earn cashback. Compare it to apps that require you to scan or photograph receipts and you will love the ease of using Dosh.
In-Store Offers, Online Offers, and Cashback on Hotels
There are several different ways that you can earn cashback with Dosh. You’re not limited to simply in-store purchases or simply online purchases. Both are options, plus, now you can earn cashback for hotel bookings. Dosh offers more variety than some other apps.
Many of the in-store offers will give you 5% cashback, which is pretty significant for something that you would be buying anyway. Some of the online and hotel offers are even better.
Great for Stacking Rewards
This is my favorite part! You cashback that you earn through Dosh is in addition to rewards from your credit card. You can stack Dosh cashback with cashback or rewards from your credit card to maximize what you’ll earn. More on this later.
Earn Cash, Not Gift Cards
Many cashback apps and websites will compensate you with gift cards. Free gift cards are great, but they’re not quite as great as cash. Dosh pays you in cash, not gift cards.
Free $1 Bonus
Right now, Dosh is offering a free bonus of $1 when you link your first debit or credit card.
Sign up for Dosh and get a $1 bonus when you link your first credit or debit card!
Cons of Dosh
Of course, there are also some aspects of Dosh that are not perfect.
You’ll Have to Link it to Your Debit or Credit Card
In order to earn that passive cashback, you’ll need to link Dosh with your credit or debit cards. Dosh takes security very seriously (more details in a minute), but some people may prefer to not use the app for this reason.
You’ll Only Earn Cashback at Participating Stores and Restaurants
Unlike a cashback credit card, you won’t earn cashback on every purchase. While Dosh already has many offers for in-store and online purchases, the app could be made better with more options. In my opinion, the Drop app has better offers for cashback. Dosh is still relatively new, so hopefully they will be able to increase the number of offers that are available.
Is Dosh Safe?
The first question that many people ask: “Is Dosh safe to use?”
Dosh uses 256-bit SSL encryption to keep your personal info safe. That may not mean very much for you, but basically it means that Dosh is proactively protecting data from would-be identity thieves. Also, Dosh does not store your credit card or banking information. While nothing is ever 100% safe, Dosh seems to be doing everything possible to protect users.
Is Dosh Legit?
When it comes to easy ways of making money, most people start to wonder if it is a scam. Dosh is not a scam, and it is a legit way to earn cashback. You’re not going to get rich from Dosh, but if you’re stacking it with a good cashback credit card, you can easily earn some money from the things you need to buy anyway.
Is Dosh Worth It?
Cashback apps that allow you to earn a relatively small amount of money may seem insignificant, but it really adds up. My answer is, yes, Dosh is worth it.
Why? Because you’ll only need a couple of minutes to sign up and link your cards, and then you’ll be all set to earn cashback on in-store purchases. Online purchases and booking hotels will take one small extra step (clicking through the Dosh app), but it’s definitely worth the small amount of time and effort needed.
How Do I Start Earning Cash Back with Dosh?
If you’re interested in using Dosh to earn some extra cashback, getting started is very quick and easy. Just sign up for a free account here, and then follow the prompts to link your credit or debit cards. It’s extremely easy. And once you link your first card, you’ll get the free $1 bonus added to your account.
Stacking Rewards and Cash Back
Earlier I mentioned that one of my favorite things about Dosh is the ability to stack rewards and cashback. Hopefully, you’re already using a good rewards credit card, so simply by using Dosh you will be double-dipping on the rewards. If your credit card earns you 2% cashback for a purchase and Dosh is giving 5% at that store, you’ll earn a total of 7% cashback with no extra effort.
But stacking rewards can be even better when you combine it with other things like store loyalty programs. To see a much more detailed guide, please read my article How to Stack Rewards and Cash Back.
Dosh Cashback App
Dosh is a simple cashback app that takes only a few minutes to set up, and then it will earn cash for you mostly on autopilot. There are also some great options for earning cashback for online purchases and hotel bookings.