In an era where every dollar counts, cashback and rewards apps have become essential tools for savvy shoppers. These apps allow users to earn money back on their purchases, accumulate rewards, and maximize savings effortlessly. Whether you shop online or in-store, using the right cashback app can help you save hundreds of dollars annually. In this guide, we review the best cashback and rewards apps available in 2025 and how they can benefit your finances.
Why Use Cashback and Rewards Apps?
Using cashback and rewards apps offers several financial benefits:
- Earn Money on Everyday Purchases: Get a percentage of your spending back in cash or points.
- Exclusive Deals and Discounts: Access special promotions and offers from top brands.
- Automated Savings: Many apps provide passive ways to accumulate cashback without extra effort.
- Stackable Rewards: Combine cashback with coupons and store loyalty programs for maximum savings.
Best Cashback and Rewards Apps in 2025
1. Rakuten (Formerly Ebates) – Best for Online Shopping
Why Use It? Rakuten offers cashback at over 3,500 retailers, including Amazon, Walmart, and Macy’s. Users earn cashback by shopping through the Rakuten portal or using its browser extension.
Key Features:
- Up to 40% cashback at partnered retailers.
- Browser extension for instant savings.
- Quarterly cashback payments via PayPal or check.
Pros: ✔ Easy-to-use interface ✔ No hidden fees ✔ Frequent promotions and bonus offers
Cons: ✖ Cashback takes time to process ✖ Limited in-store cashback options
2. Ibotta – Best for Groceries and Everyday Shopping
Why Use It? Ibotta allows users to earn cashback on grocery, retail, and even travel purchases. Simply upload receipts or link your store loyalty card to start earning.
Key Features:
- Works with major grocery chains like Walmart, Target, and Kroger.
- Bonuses for completing special offers.
- Direct cash payouts through PayPal, Venmo, or gift cards.
Pros: ✔ Ideal for grocery shoppers ✔ Multiple withdrawal options ✔ Frequent bonus opportunities
Cons: ✖ Requires receipt uploads for some transactions ✖ Minimum withdrawal threshold ($20)
3. Dosh – Best for Automatic Cashback
Why Use It? Dosh links to your credit or debit card and automatically provides cashback at participating stores, restaurants, and hotels.
Key Features:
- Hands-free cashback system.
- Works for online and in-store purchases.
- Travel rewards and hotel discounts.
Pros: ✔ No receipt scanning needed ✔ Passive earnings from linked cards ✔ Strong referral bonuses
Cons: ✖ Limited merchant partnerships ✖ Minimum $25 withdrawal requirement
4. Honey – Best for Couponing and Cashback
Why Use It? Honey’s browser extension automatically applies the best coupon codes at checkout and offers cashback on select purchases.
Key Features:
- Instant discount application at checkout.
- Honey Gold rewards that convert to gift cards.
- Works with thousands of retailers.
Pros: ✔ Effortless savings on online purchases ✔ Works across multiple browsers ✔ No membership fees
Cons: ✖ Not all stores have cashback offers ✖ Cashback is in the form of points, not direct cash
5. Fetch Rewards – Best for Receipt Scanning
Why Use It? Fetch Rewards turns your grocery receipts into points, which can be redeemed for gift cards.
Key Features:
- Works with any retailer – no restrictions.
- Rewards from popular brands.
- Fast and simple receipt scanning.
Pros: ✔ No need for pre-activated offers ✔ Works with any grocery store ✔ No minimum withdrawal limit
Cons: ✖ Points-based system instead of direct cashback ✖ Requires receipt uploads for rewards
How to Maximize Your Cashback and Rewards
To get the most out of these apps, follow these strategies:
- Stack Cashback: Use multiple cashback apps for the same purchase (e.g., use Rakuten and pay with a cashback credit card).
- Use Sign-Up Bonuses: Many apps offer extra cashback when you join and complete your first transaction.
- Shop During Promotions: Watch for double or bonus cashback events.
- Link Credit/Debit Cards: Automate cashback earning by linking your payment methods where applicable.
- Redeem Wisely: Choose cashback payout options over gift cards unless a bonus is offered.
Final Thoughts
Cashback and rewards apps make saving money effortless, whether you’re shopping for groceries, clothes, or booking travel. By using the right apps strategically, you can turn everyday spending into long-term savings. Try out these top-rated apps and start earning while you shop!
Disclaimer: This article is for informational purposes only. Always review the terms and conditions of each app before using them to ensure compliance with their policies.
