Some apps offer points that can be redeemed as a price break on subsequent purchases, or cash. Read on or jump to an app in the list:. Fetch, best for turning every purchases into points. com, best for cash back on groceries.

RetailMeNot, best for cash back from a long-standing coupon site. Upside, best for cents off gallons of gas and more. Ibotta, best for cash back on multiple spending methods.

Dosh, best for retail and hotel rewards. Receipt Hog, best for a gamified rewards experience. Rakuten, best for regular rewards and cash back via check. In a nutshell: Redeem receipts from nearly anywhere for points; cash them in for gift cards.

Details: Fetch Rewards has risen in popularity, particularly when it comes to saving on groceries, but the company says shopping anywhere earns points. Scan your receipt from any purchase, or submit an eReceipt, and you'll earn rewards points redeemable for gift cards.

User reviews: Fetch fans like the app's ease, but some reviewers lament how long it can take to accumulate enough points to redeem rewards. Apple App Store rating: 4. Google Play rating: 4. In a nutshell: Tap into rewards linked to grocery store loyalty programs in one place.

Details: Managing grocery store coupons is the specialty of the Coupons. com app. Once you select a coupon or offer, discounts are automatically applied by linking your store loyalty card to the app.

If you shop at a store without a loyalty program, you can submit a photo of your paper receipt. Upon approval, the rebate is applied to your PayPal account.

User reviews: In recent months, some users have reported technical errors and a few mentioned issues with the feature to print coupons. Some users also complained about unresponsive or unhelpful customer support.

In a nutshell: A cash-back program from a company known for coupons. Details: One of the original cash-back apps born from a website, RetailMeNot is primarily a coupon finder, but it also allows users to activate online offers and receive personalized notifications for discounts.

Cash back is paid out via PayPal or Venmo. User reviews: Some shoppers have used this app for years and brag about its ability to save them money, though of course not at every store.

In a nutshell: Get cash back on gasoline and food purchases with this app. Details: Upside aims to provide cash-back offers from grocery stores, restaurants and — most notably — gas stations. You can redeem cash back through PayPal, e-gift cards or bank transfers. User reviews: Getting cash back with a gas app like Upside has become a popular way to save, though there are occasional complaints about a limited number of gas stations that participate in some areas.

Google play rating: 4. In a nutshell: Score cash back on a wide variety of shopping options. Details: Ibotta promises cash back whether you're shopping in person, online, or while traveling or dining out. There are no promotional codes or coupons to track. Before shopping, you search the app for offers you like, then upload a photo of your receipt after the purchase.

You can also buy the items with a linked loyalty card in-store or start online transactions with partnering retailers through the Ibotta app to bypass receipt uploads.

Transfer your rewards to PayPal or gift cards. User reviews: Some previously loyal Ibotta users have complained about a lack of customer service.

Still, with over a million reviews, Ibotta remains among the most popular cash-back apps in the Apple App Store. In a nutshell: Earn automatic rebates on purchase categories without scanning receipts.

Details: Dosh adds hotels into the retail and dining-out discount mix. By linking a credit or debit card to the app, cash-back offers are deposited into the Dosh wallet. Cash can then be transferred into bank accounts, PayPal or Venmo. Next, you sign into the cash-back site, use a link for the store that you want to shop in, and start shopping.

The cash-back site or app records your purchases, and you earn money after your transactions are approved and go through. The cash back a percentage of your spending usually lands in a PayPal or bank account. Cash-back apps can be used to find money-saving deals while earning cash in different categories, including restaurants and delivery services.

Three popular cash-back programs are Rakuten, Ibotta, and Shopkick, although there are others. This cash-back website was Ebates in another life. If you have a PayPal account, then your earnings can go there, or the company mails you a check.

Rakuten has mixed reviews on the Better Business Bureau BBB website, which gave it a B rating due to product and service issues, including customers saying they never received their cash-back rewards. Still, the customer rating average is 4. This cash-back app can be used in stores and for online shopping via your mobile device.

Its specialty is groceries. lbotta is in partnership with more than 1, retailers and brands in categories that include health and wellness, travel, home and auto, kids and baby, pet supply, sports, and outdoors. It also offers cash back on subscriptions, restaurants, and food delivery services.

Three hundred and thirty-two customer reviews average out to a 2. When you download the app, it will show you participating retailers and products that can earn you kicks. You can even earn a kick for entering a store without making a purchase, through Bluetooth recognition.

The app also may offer users exclusive incentives and discounts, along with rewards points. With debit cards and some credit cards, a customer may also get the opportunity to receive cash back immediately at a supermarket or other location.

The customer can ask the merchant to add an extra amount to the purchase price and receive this additional cash.

Providers of services often do this to let a customer leave a cash tip. The advantages of enrolling in cash-back programs are apparent. You get cash back for spending your money, whether using your credit or debit card or even shopping online.

On the downside, cash-back credit cards may have high annual percentage rates APRs or annual fees or put a cap on how much cash back you can earn, and you do have to spend money to earn the cash.

Cash-back credit cards may have a higher annual percentage rate APR than cards without rewards. Cash back usually refers to a rewards program that returns a percentage of each purchase to the buyer. It can also refer to certain types of debit cards that allow cardholders to withdraw cash from their accounts at a merchant point of sale.

Not exactly. When a credit card offers cash back rewards, they are betting that the cardholders' increased spending will exceed the money spent on cash rewards. Cardholders pay for cash back through higher APRs and merchant fees. Multiple stores offer cash-back rewards. How much depends on their rewards program.

Credit card deals change frequently, so it is worth taking time to research the latest deals. You can also check out Investopedia's review of the best credit cards currently available. Signing up with a cash-back rewards credit or debit card is a way to earn some extra cash based on your purchases.

You can use a cash-back app or website to find potential deals on goods while also making a percentage of your money back. The more that you use your cash-back rewards programs, the more money that you stand to earn.

There are a few drawbacks to a cash-back rewards card, including a higher-than-usual APR, having to wait to access your cash-back funds, and a cap on how much you can earn each year. Also, when it comes to travel rewards such as airline miles, sometimes the miles are worth more than the cash.

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Table of Contents. What Is Cash Back? How Cash Back Works. Cash Back Amounts. Cash Back Sites and Apps. Cash Back in Hand.

Advantages and Disadvantages of Cash Back.

Wells Fargo Active Cash® Card: Best for Flat-rate cash back: High ongoing rate + incentives ; Chase Freedom Unlimited®: Best for Bonus rewards: 5 Cashback is a rewards program where customers can earn back a percentage of the money they spend while shopping. Originally a credit card feature, some debit What is a cashback reward program? A cashback reward program is a type of loyalty program where customers receive a percentage of their purchases as cash

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