By Budget Savvy Hub | Updated February 8, 2024

In today’s digital age, maximizing your savings has never been easier with the variety of cash back apps available. These apps offer users the opportunity to earn cash back on their purchases, making every dollar count. Let’s explore the top 10 best cash back apps of 2023 and how they can help you save more money.

Key Takeaways

• Compare the cash back rates and offers of each app to find the best fit for your shopping habits.
• Take advantage of sign-up bonuses and referral programs to maximize your earnings.
• Stay updated on special promotions and discounts offered by the cash back apps to boost your savings further.
• Utilize multiple cash back apps to diversify your earnings and increase your overall cash back rewards.
• Monitor your cash back earnings regularly and redeem them in a timely manner to enjoy the benefits of your savings.

1. Rakuten

Rakuten, formerly known as Ebates, is a premier cash back app that rewards you for shopping through their platform. Earn cash back at over 2,500 stores without the hassle of points or coupons. Simply shop as you normally would through Rakuten’s app or website and watch the savings accumulate.

Key Features:

• Cash back on purchases from a variety of retailers
• No points system, direct cash rewards
• Regular bonus offers and double cash back events

Rakuten makes saving effortless. With one click, you can activate cash back directly at store sites and even combine cash back with other discounts.

Whether you’re buying groceries, clothing, or electronics, Rakuten offers a seamless way to get some of your money back. It’s an essential tool for savvy shoppers looking to maximize their savings.

2. Ibotta

Ibotta stands out as a user-friendly cash back app that rewards you for purchases you make every day. Earn cash back on groceries, apparel, travel, and more, simply by uploading your receipts after shopping. Ibotta partners with a wide range of retailers, both in-store and online, making it versatile for various shopping habits.

Key Features:

• Easy-to-use interface
• Wide variety of participating retailers
• Offers cash back on a range of categories

Ibotta not only provides an opportunity to get money back on your purchases but also encourages smart financial choices for success. By integrating Ibotta into your routine, you can enhance your savings strategy and make the most of every dollar spent.

Remember, to maximize your earnings with Ibotta, stay consistent with uploading receipts and look out for special deals and offers. It’s a simple yet effective way to add to your savings without changing your shopping behavior.

3. Swagbucks

Swagbucks is a versatile platform that not only offers cash back on purchases but also rewards users for completing surveys, watching videos, and browsing the internet. Earn points, called SB, which can be redeemed for gift cards or cash via PayPal.

Earning potential varies based on the activities you engage in, but Swagbucks makes it easy to accumulate rewards with its wide range of options:

• Online shopping cash back
• Watching entertaining videos
• Completing surveys
• Using their search engine
• Playing games

Swagbucks is ideal for those who spend a significant amount of time online and want to monetize their activities. With its user-friendly interface and diverse earning methods, it’s a popular choice among cash back app enthusiasts.

4. Honey

Honey is a popular browser extension that automatically finds and applies coupon codes at checkout with a single click. Save money and time by letting Honey search for the best deals as you shop online. With Honey, you can also earn cash back in the form of Honey Gold, which can be redeemed for gift cards.

• Automatically applies the best coupons
• Earn Honey Gold for cash back
• Redeem for gift cards at popular retailers

Honey simplifies the process of finding savings, making it an essential tool for online shoppers.

By integrating Honey into your browser, you can ensure that you never miss out on a discount. It’s a seamless way to maximize your savings without the hassle of searching for promo codes.

5. Fetch Rewards

Fetch Rewards simplifies the way you can earn cash back by scanning your grocery receipts. Unlike other apps that require you to shop at specific stores, Fetch Rewards allows you to shop anywhere and still earn points. These points can be redeemed for gift cards at popular retailers, making it a versatile option for shoppers.

Redemption is straightforward with Fetch Rewards:

• Shop at any grocery store, convenience store, or big-box retailer.
• Scan your receipt using the Fetch Rewards app.
• Earn points for every purchase.
• Redeem points for gift cards.

Fetch Rewards stands out for its ease of use and the absence of restrictive store affiliations. It’s an excellent choice for those who value simplicity and flexibility in their cash-back apps.

6. Dosh

Dosh stands out as a seamless cash back app that offers users the ability to earn money back on purchases without the need to scan receipts or clip coupons. Simply link your credit or debit card, and Dosh automatically gives you cash back when you shop, dine, or book hotels with participating merchants.

Ease of use is a key feature of Dosh, making it a favorite for those who prefer a more passive approach to earning rewards. Here’s a quick rundown of how Dosh works:

• Link your cards to the Dosh app.
• Shop at participating stores and restaurants.
• Get cash back automatically credited to your Dosh wallet.
• Transfer your earnings to your bank account, PayPal, or donate to charity.

With Dosh, the cash back process is streamlined to ensure that users can earn rewards with minimal effort. The app’s network includes a wide range of retailers, from local restaurants to major online stores, providing ample opportunities to save.

7. Checkout 51

Checkout 51 is a popular cash back app that allows users to save on their everyday purchases by offering weekly deals and discounts. Scan your receipts and earn cash back on select items from various stores, including grocery and drug stores.

Checkout 51 stands out for its straightforward approach to saving money. Users can browse through a list of offers, purchase the featured products, and then upload a photo of their receipt to claim their cash back.

• Weekly updates of offers
• No need to pre-select deals before shopping
• Cash out once you reach $20 in savings

With Checkout 51, the savings accumulate quickly, making it a valuable tool for those looking to cut down on their grocery bills.

8. Shopkick

Shopkick is a unique player in the cash back app arena, offering users a fun and engaging way to earn rewards. Unlike traditional cash back apps, Shopkick provides points, or ‘kicks,’ for a variety of activities, not just shopping.

Earn ‘kicks’ by simply walking into stores, scanning items, making purchases, or even watching videos. These points can then be redeemed for gift cards at popular retailers. It’s an interactive way to benefit from everyday activities.

• Walk into partner stores
• Scan barcodes of select products
• Make in-store or online purchases
• Watch videos and earn

Shopkick turns your shopping trips into a rewarding game, making it easy to collect points without much effort.

While Shopkick may not directly reduce your expenses like some budgeting apps, it does provide a playful approach to earning rewards that can supplement your savings strategy.

9. Cash App

Cash App has evolved from a simple peer-to-peer payment service to a comprehensive financial tool that includes cash back rewards. Earn cash back instantly when you shop at participating retailers using the Cash App debit card. The process is straightforward and the rewards are deposited directly into your Cash App balance.

Cash boosts are a unique feature of Cash App, allowing users to save money on everyday purchases by activating offers within the app. Here’s a quick rundown of how you can maximize your savings with Cash App:

• Link your debit card to the app.
• Activate cash boosts for your favorite stores.
• Pay with your Cash App card to receive instant rewards.
• Monitor your savings and manage your balance within the app.

Cash App’s simplicity and instant rewards make it a favorite for users looking to save money without the hassle of traditional cash back programs.

10. MyPoints

Rounding out our list of the top cash back apps of 2023 is MyPoints. This platform offers a versatile way to earn points that can be redeemed for gift cards or cash. Users can accumulate points through a variety of activities such as shopping online, taking surveys, and watching videos.

MyPoints stands out for its broad range of earning opportunities. Here’s a quick rundown of what you can expect:

• Online shopping at over 2,000 retailers
• Answering surveys
• Watching curated videos
• Reading emails
• Playing games

With MyPoints, every activity you engage in helps you inch closer to your financial goals, making it a valuable tool in your arsenal to pay off debt and manage your finances.

It’s important to note that while MyPoints can be a great addition to your savings strategy, it should be used in conjunction with other financial tools. These may include budgeting apps, debt consolidation services, and credit score monitoring tools to ensure a comprehensive approach to financial health.

Conclusion

In conclusion, utilizing cash back apps is a smart way to maximize your savings and earn rewards on your everyday purchases. The top 10 best cash back apps of 2023 offer a variety of features and benefits that can help you save money effortlessly. Whether you’re shopping online or in-store, these apps provide a convenient way to earn cash back and make the most of your spending. By incorporating these apps into your shopping routine, you can take advantage of discounts, deals, and cash back offers to boost your savings and achieve your financial goals.

Frequently Asked Questions

How does the cash back feature work on this app?

The cash back feature on this app allows users to earn a percentage of their purchase amount back as cash rewards.

Are there any fees associated with using this cash back app?

Most cash back apps do not charge any fees to the users. However, it is recommended to check the app’s terms and conditions for any specific details.

How long does it take to receive cash back rewards?

The time taken to receive cash back rewards varies depending on the app. Some apps provide instant cash back, while others may take a few days to process the rewards.

Can I use multiple cash back apps for the same purchase?

Yes, users can stack cash back rewards by using multiple cash back apps for the same purchase, maximizing their savings.

Are there any restrictions on the types of purchases eligible for cash back rewards?

Each cash back app may have specific categories or retailers that qualify for cash back rewards. It is advisable to check the app for eligible purchases.

Is there a limit to how much cash back I can earn?

The amount of cash back that can be earned may vary depending on the app and the specific offers available. Some apps may have a cap on the maximum cash back amount that can be earned.