7 Best Cashback Apps That Everyone Should Use

Everyone is looking for ways to make or save extra money, so I thought it’d be a good idea to share all of the best cashback apps I use to help me optimize my everyday spending. If you use all of the apps I write about in this post, you’ll put yourself in a pretty good position to optimize your everyday spending.

Before we get started with all of the best cashback apps that I use, let me first talk a little bit about how I approach spending. My philosophy with spending money goes like this – anytime I have to spend money on something, I want to do so in a way that will get me the most return on my spending. That’s one of the main reasons that I open up a new credit card every few months. By doing that, I’m able to get money back in the form of hefty credit card signup bonuses, which I can then use for free travel, all while spending the same money I’d already be spending anyway.

Perhaps the easiest way I optimize my spending is by using a plethora of apps that run in the background. These apps give me cash back when I spend money at certain places – either in cash, credits, or gift cards. What’s great about all of these apps is that they’re entirely passive and run in the background without you even noticing them. In short, they’re a great way for you to optimize your financial life just a little bit more.

Note that the apps I talk about in this post differ from the receipt apps that require you to take a picture of your receipt to earn cashback. I’ve always found that those kinds of apps – Ibotta, for example – took me too much time for what I was getting in return, plus I didn’t like the fact that those kinds of apps required me to buy specific things at the store. However, I do use and recommend using ReceiptPal, ReceiptHog, and FetchRewards to take pictures of your grocery store receipts – I find those apps very easy to use since they let you take pictures of any receipt, and the money you earn from those apps surprisingly adds up over time.

With all that out of the way, let’s take a look at the best cashback apps that I think everyone should use.

The Best Cashback Apps

If you’re just looking for a list of the best cashback apps, here’s what I recommend (I use every single one of these apps personally). Make sure to read through the rest of the post to learn more about why I recommend each of these apps.

Best Cashback Apps:

Drop (Get 1,000 points when you sign up using my link)
Dosh
Rakuten (Get $40 if you sign up using my link)
Freebird
ReceiptPal, Receipt Hog, Fetch, Coin Out, Amazon Shopper Panel
Capital One Shopping and Honey
Upromise(Get $30 – Receive a $5.29 bonus when you sign up and $25 when you link a 529 plan)

Honorable Mention Apps:

RebateKey
Trunow

1. Drop

The first app I recommend is Drop. Like other cashback apps, you link your credit cards to Drop, and then you earn points that you can redeem for gift cards. 1,000 points are worth $1. It’s not a ton of money, but again, it’s money you’re earning for the money you’re already spending anyway.

When you first sign up for Drop, you’ll have to choose five primary stores that you can earn points at. I picked Chipotle, Uber, Walgreens, Target, and McDonalds as my five base stores. Other stores include Whole Foods, Trader Joe’s, and some clothing stores that I don’t really shop at very often. My advice is to pick the places that work for you.

Drop also offers special deals which allow you to earn more points for certain purchases. These are rotating categories that you technically have to activate, so every once in a while, you’ll need to go into the app and activate these deals.

It only takes a few minutes to sign up for Drop and get everything set up, so it’s definitely worth the time to set things up. Again, don’t change your spending habits just because of this app, but it’s not bad to just have Drop passively running in the background for you.

If you sign up for Drop using my link, you’ll get 1,000 Drop points to start your account.

2. Dosh

Another app I’ve been using to get a little bit of cashback on my everyday spend is Dosh. It’s a mobile-only app that tracks your spending and gives you cashback for purchases you make at certain restaurants and stores. I’ve been using Dosh for over a year now to earn cash back on my spending at various restaurants and breweries around me.

What makes Dosh really great is that it’s completely passive once you set it up. You just link your credit cards to Dosh, and if you spend money at a participating business, you automatically get cashback to your Dosh account. You can then cash out your earnings to your regular bank account once you hit the minimum cashout requirement.

In my time using Dosh, I’ve found that it instantly recognizes when I spend money at a participating place and then credits my Dosh account immediately. It’s pretty crazy how fast it works. For me, Dosh has worked out really well simply because a lot of breweries in my neighborhood seem to offer 5% or more cash back. When you combine that with the credit card rewards that I earn (typically at least 2% back), I’m basically snagging myself a 7% discount at most breweries – all without having to do anything!

3. Rakuten

Rakuten (formerly Ebates) is pretty much a no-brainer Google Chrome extension that everyone should have in their browser. With Rakuten, you get cashback on almost any purchase you make online – typically around 2-5% back, but often more depending on the store and the time of year.

The extension only takes a few seconds to set up, and once it’s in your browser, it’ll automatically notify you if you’re on a website where Rakuten offers cashback. From there, you just activate the extension and continue with your purchase as normal. Rakuten then tracks your purchase and gives you whatever percent cash back you earned.

If you’re wondering how Rakuten can pay this cashback, it basically gets a referral fee from the store when someone buys something with Rakuten activated. Rakuten then shares this referral fee with you. The alternative would be that you don’t use Rakuten, in which case you’re just not getting back anything at all – so naturally, Rakuten makes a lot of sense to use.

You get paid by Rakuten once per quarter, so it’s a nice little bonus when you get a Rakuten check in the mail. In my time using Rakuten, I’ve earned back several hundred bucks – all while spending on stuff I was already going to buy anyway. And all I had to do was take a few seconds to set up the Rakuten Google Chrome extension.

If you combine Rakuten with the return you’re getting on your credit cards, pretty much any purchase you make online should be worth at least a 5-10% discount. Basically, if you buy anything online, you should make sure you have Rakuten set up – otherwise, you’re just missing out on free cashback.

If you use my link, Rakuten will give you a $40 signup bonus once you signup and make your first purchase using the Rakuten browser extension!

4. Freebird

Freebird is an app I found that I’ve now added to my best cashback app list. If you ever use Uber to go anywhere, this is a must-have app that you need to download. Here’s how Freebird works.

A lot of people are taking Ubers to go to various places. At the same time, there are hundreds of restaurants looking to find ways to get people in the door. Freebird partners with restaurants to offer cashback if you take an Uber to that restaurant. For the restaurant, it’s basically a marketing expense – if you take an Uber to their restaurant using the app, the restaurant pays you something, which is worth it for them since it gets a customer through the door. Below is a video from Freebird that explains how it works:

So, basically, instead of ordering Ubers through the Uber app, you should instead order them using the Freebird app. It’s the same thing as ordering an Uber, but by using the Freebird app, you at least get cashback on your rides.

I’ve found that cashback rates tend to be about $4 for the restaurants near me, so if you go to a restaurant that’s not too far away, you can basically subsidize or completely cover the cost of your Uber ride. If you order an Uber to go to a non-participating place, you earn points. 5,000 points in the app equal $10 cashback. I’ve already used Freebird a few times to try it out, and it’s worked out great for me.

5. ReceiptPal, Receipt Hog, Fetch, CoinOut, and Amazon Shopper Panel.

One easy way to get cashback is by taking pictures of your receipts. This is a simple way to get a little something back for the purchases and receipts that you’re probably already getting anyway.

I use five apps to do this – ReceiptPal, Receipt Hog, Fetch (2000 points), CoinOut, and Amazon Shopper Panel. ReceiptPal, CoinOut, and Amazon Shopper Panel give you cashback for any receipts. Receipt Hog and Fetch both give you cashback for taking pictures of any grocery store or convenience store receipt. Amazon Shopper Panel is the best one right now and gives you $1 for each receipt, up to $10 per month (and they can be receipts for anything).

6. Honey & WikiBuy

My next set of apps are two Chrome browser extensions that will help you make sure that you’re paying the lowest possible price for whatever you’re buying. I’ve put them both in the same section because they work very similarly and it makes sense to have both of them installed in your browser.

Honey works by scanning for coupons and promo codes whenever you’re checking out from your online purchase. By using Honey, you’ll always know that you’ve used every possible coupon or promo code out there. If you sign up for Honey with my link, you even get $5 when you use Honey at checkout.
WikiBuy works similarly to Honey, but its best feature is that whenever you buy something on Amazon, it will automatically tell you if Amazon is offering the lowest price, or if you could find that item for a lower price somewhere else, such as on eBay or another site. WikiBuy works entirely in the background and integrates right into Amazon, so you should definitely have this app installed.

One thing to note is that both Honey and WikiBuy have a cashback thing similar to Rakuten on some websites, but these won’t stack with Rakuten. Most likely, if either of these apps offers cashback, Rakuten offers it too, and I’d recommend using Rakuten for your cashback (but obviously, use whichever one gives you the most cashback).

7. Upromise

The last cashback program I use is Upromise. Like with Dosh, Drop, and Uber Offers, Upromise tracks your credit card spending in the background and then gives you cash back on eligible purchases.

The main difference is that you’re supposed to use the cash back that you earn through Upromise to pay student loans or to fund 529 plans. I’ve just been putting the cash into my own 529 plan that I set up for myself a few years back.

I haven’t earned a ton of money through Upromise and it seems super slow in actually applying your cashback to your account. Still, it requires no work on your end other than linking your credit cards, so you might as well have it set up.

Also, use my link and receive a $5.29 bonus when you sign up and $25 when you link a 529 plan.

Honorable Mentions

I have a few other apps that I have included here as honorable mentions. I think these apps are worth setting up just to squeeze out a little bit more cashback. These include the following apps:

1. RebateKey

RebateKey is an interesting website I found where you can search for items offering a rebate on their website, buy the items from Amazon, submit the purchase information to RebateKey, then get the rebate check in the mail about a month later. The rebates vary but typically range from 50% to even 100% of the purchase price.

Based on my research, the purpose of RebateKey is for Amazon sellers to boost up their sales – most likely to improve their Amazon search rankings.

I’ve used RebateKey several times now and have received my rebates each time without any issue, so I can say that this website is legit.

You’ll need to search the RebateKey website to see if anything is interesting to you, but if you’re looking to buy random things from Amazon for very cheap (or even free), you should try out RebateKey.

If you feel like supporting this blog, feel free to use my RebateKey referral link.

2. Trunow

Trunow is an app similar to the receipt apps discussed above, except it only applies to gas station receipts. It gives a small amount of cashback for all of your gas station receipts, so it’s worth just quickly snapping a picture of your receipt before you get rid of it.

Takeaways

There are a lot of apps out there that can save you money or give you some cash back on your everyday spend.

You obviously won’t get rich from these apps, but it’s at least something. And none of this requires you to change any of your spending habits. You’re basically adding a cashback component to your financial life that runs passively in the background.

It literally takes a few minutes to set up all of these accounts. Most of you could probably read this post and set up all these apps in the next 15 or 20 minutes. And once set up, you can sit back and just keep doing what you normally do.

What do you think of my best cashback apps list? Any other cashback apps that you recommend?

More Recommended Ebike/Scooters

Check out these other ebikes and scooters I've reviewed:

Urban Arrow Ebike – Last year, I made one of the largest purchases I’ve ever made – I bought a $9,000 electric cargo bike from Urban Arrow. In my Urban Arrow review, I will discuss what it is and why I decided to buy this bike, as well as discuss how impactful a bike like this can be on your journey to financial independence.
Troxus Explorer Step-Thru Ebike – The Troxus Explorer Step-Thru is a fat-tire ebike that I’ve had the pleasure of riding for a while now. It has amazing power, great looks, and awesome range. If you’re looking for a great fat-tire ebike that offers a lot for the price, the Troxus Explorer Step-Thru is definitely one for you to consider. Check out my Troxus Explorer Step-Thru Review.
Hovsco HovBeta Ebike – The HovBeta is a folding ebike with great specs and a lot of interesting features, and importantly, it’s sold at a good price point. I’ve had a blast commuting with it and using it to do deliveries with DoorDash, Uber Eats, and Grubhub. Check out my Hovsco HovBeta Ebike Review.
Vanpowers Manidae Ebike – The Vanpowers Manidae is a fat tire ebike that I’ve been riding as my primary winter commuting bike and have also been using it to do food delivery with apps like DoorDash, Uber Eats, and Grubhub. After clocking in a decent number of miles with this ebike, I wanted to write a post sharing what my experience with the Vanpowers Manidae ebike has been like. Check out my Vanpowers Manidae Review.
Sohamo S3 Step-Thru Folding EBike Review – A Great Value Folding Ebike – The Sohamo S3 Step-Thru Folding Ebike is an entry-level folding ebike that offers a lot of value for the price point. I’ve been riding the Sohamo S3 for a while now, putting the bike through its paces, and I have to say, this bike has exceeded all of my expectations. Check out my Sohamo Review.
KBO Flip Ebike – The KBO Flip is an excellent bike. I’ve had a great time riding it and think it’s a versatile bike that can be used for a lot of purposes and can fit a variety of lifestyles. It’s worked out great for me as a general commuter bike and as a food delivery bike. Check out my KBO Flip Review.
Hiboy P7 Commuter Ebike – The Hiboy P7 is an excellent electric commuter bike that’s offered at an affordable price point. The range and speed of this bike are both very good, so you won’t have any trouble getting anywhere you need to go with it. As a food delivery vehicle, this is also good – with how much range it offers, you’ll be able to work all day on a single charge. Check out my Hiboy P7 Commuter Electric Bike Review.
Himiway Escape Ebike – The Himiway Escape is an interesting bike for anyone looking for a moped-style ebike. If you’re a gig economy worker, the Himiway Escape is particularly interesting and it’s possible to think of it as an investment, especially if you can opt to do deliveries with the Himiway versus using a car. It’s not cheap, but you can definitely make your money back when you compare the mileage you’ll put on your car versus using an ebike. Check out my Himiway Escape Bike Review.
Espin Sport Ebike – The Espin Sport is a good ebike for someone who is looking for an ebike that feels and rides more like a regular bike. There are many ebikes that are really only bikes in name. In reality, they’re basically electric mopeds. The Espin Sport, by contrast, is a bike you could probably ride without the battery and you’d feel like you’re just riding a regular bike. Check out my Espin Sport Review.
Varla Eagle One Scooter – The Varla Eagle One is an excellent scooter that can make sense for a lot of people. It can work as a primary mode of transportation. You can use it to work on gig economy apps like DoorDash, Uber Eats, and Grubhub. And it can also be a recreational vehicle if you’d prefer to use it for that. Check out my Varla Eagle One Review.
Varla Falcon Scooter – The Varla Falcon is an excellent scooter that offers a good amount of power at a lower price point compared to more powerful scooters. It’s not exactly an entry-level scooter, nor is it a high-powered scooter. I think it fits somewhere in-between those two categories – an intermediate scooter if I had to give it a category. Check out my Varla Falcon Review.
Hiboy S2 Scooter – The Hiboy S2 is an excellent entry-level commuter scooter that's perfect for someone looking to save some money in transportation costs and improve their commute. Check out my Hiboy S2 Review.
Hiboy S2R Scooter – The Hiboy S2R is one of the more interesting electric scooters I’ve been able to test out. It’s not a high-powered scooter, but for an everyday transport option, it’s very useful, especially given some of the unique features that it has. Indeed, for the price, the Hiboy S2R might be the best value scooter I’ve used. Check out my Hiboy S2R Review.
Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.

More Recommended Investing App Bonuses

For additional investing app bonuses, be sure to check out the ones below:

M1 Finance ($100) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $100 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
Webull (20 free stock shares) – Webull's current promotion gives you 20 free shares valued between $3-$3,000 each if you open an account using my referral link. Here’s a guide I wrote about how to earn your free shares using Webull.
Moomoo (15 free stocks) – Moomoo is a free investing app currently offering 2 different referral bonuses if you open an account using a referral link. Read my Moomoo referral bonus guide for more information.
Robinhood (1 free stock) – Robinhood gives you a free stock valued between $2.50-$225 if you open an account using my referral link.
Public (1 free stock) - Public gives you a free stock valued between $3-$70 if you open an account using my referral link.
SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with just $10 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.

More Recommended Bank Account Bonuses

If you’re looking for more easy bank bonuses, check out the below options. These bonuses are all easy to earn and have no fees or minimum balance requirements to worry about.

SoFi Money ($325) – SoFi Money is a free checking account from SoFi. They’re currently offering a $25 referral bonus if you open a SoFi account with a referral link and deposit $10. You can also make an additional $300 as well if you complete a direct deposit. This is a good bank that is also 100% free, so you won’t have to worry about managing this account. Here’s a post I wrote with instructions on how to earn your SoFi Money bonus: SoFi Money Referral Bonus: Step By Step Guide.
Fairwinds Credit Union ($175) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
Upgrade ($150) – Upgrade is a free checking account that’s currently offering a $150 referral bonus if you open an account and complete a direct deposit. These bonus terms are easy to meet, so it’s well worth doing this bonus as soon as you can. Here’s a post I wrote with more details: Upgrade $150 Referral Bonus – Step By Step Directions.
Chime ($100) - Chime is a free bank account that offers a referral bonus if you use a referral link and complete a direct deposit of $200 or more. In practice, any ACH transfer into this account triggers the bonus. This bonus is easy to earn and posts instantly, so you’ll know if you met the requirements as soon as you move money into the account. I wrote a step-by-step guide on how to earn your Chime referral bonus that I recommend you check out.
US Bank Business ($800) – This is a fairly easy bank bonus to earn, since there are no direct deposit requirements. In addition, you can open the Silver Business Checking account, which comes with no monthly fees. Check out how to earn this big bonus here.
Fifth Third Bank ($325) – This offer is limited to customers in the following states:Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, West Virginia, and South Carolina. If you don’t live in one of those states, you won’t be able to open an account onlinebut you can still open an account in-branch if you happen to be visiting a city that has a branch. This is a fairly easy bank bonus to earn, especially since there are plenty of data points showing what will trigger the direct deposit requirement. In addition, you can open the Fifth Third Momentum Checking bank account, which comes with no monthly fees or minimum balance requirements.Read my guide on this bonus here.
GO2Bank ($75) - GO2Bank is an easy bank bonus that I recommend people take advantage of if they have an easy way of meeting the direct deposit requirement. I like that it’s easy to open the account and that the bonus pays out quickly. Check out my step-by-step guide on how to earn your GO2Bank $75 referral bonus.
Current ($50) – Current is a free fintech bank that’s offering new users a $50 referral bonus after signing up for an account using a referral link. Current is an easy bonus to earn and also gives you access to three savings accounts that pay you 4% interest on up to $2,000. That means you can put away up to $6,000 earning 4% interest. That’s very good and makes Current an account I recommend to everyone. Check out my step-by-step guide on how to earn your Current Bank bonus.
Novo Bank ($40) - Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. In addition to being a good bank bonus, Novo is also a good business checking account. It has no monthly fees or minimum balance requirements and operates a good app and website. Indeed, it’s the business checking account I currently use for this blog. Check out my post on how to easily open a Novo account.
Varo ($30) – Varo is a free fintech banking app similar to Chime or Current. It’s currently offering a $30 bonus to new users that open a new Varo account with a referral link. The bonus for this bank is very easy to meet, all you need to do is spend $20 within 30 days of opening your Varo account. Check out my step-by-step guide to learn how to earn this bonus.

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $300 if you complete a direct deposit.
5% Savings Accounts. I'm currently getting 5.32% interest on my savings through a company called Raisin. Opening a Raisin account takes minutes to complete, it's free, and all of your funds are FDIC-insured. I explain how it works, why I'm now using it to store my emergency fund and any other cash savings I have, and why I recommend everyone check it out in this review.
US Bank Business. US Bank is currently offering new business customers a $800 signup bonus after opening a new account and meeting certain requirements.
M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $250 for opening an account.
Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

7 Best Cashback Apps That Everyone Should Use - Financial Panther (2024)