In today’s savvy shopping landscape, cashback and loyalty reward apps are powerful tools that help you save money and earn perks on everyday purchases. Whether you’re snapping receipts, linking cards, or simply browsing for deals, there’s an app tailored to your habits. Here’s a curated list of the top 22 Cashback & Loyalty Reward apps your wallet will thank you for—complete with how they shine and why they stand out.
1. Rakuten (formerly Ebates)
Introduction
A pioneer in cashback platforms, Rakuten (previously known as Ebates) launched in 1998 and quickly made a name for itself by helping users get rebates when shopping online. Its global expansion now includes markets in the U.S., Canada, Japan, the UK, and more, making it one of the most trusted brands. Its browser extension and mobile app automatically apply cashback and coupon codes—delivering seamless savings across thousands of retailers.
How It Works
Users start shopping from Rakuten’s website, extension, or app, choose participating retailers, and complete purchases as normal. Rakuten earns commissions and shares a portion back as cashback. Payments are issued quarterly via PayPal, check, or gift card. It also supports in-store rewards via linked credit cards.
Areas Served
United States, Canada, Japan, United Kingdom, South Korea, Singapore, and others globally.
Industries Served
E-commerce (fashion, electronics, home goods), travel (hotels, flights), dining, and in-store via linked cards.
App Store Links
- iOS: Rakuten: Cash Back & Deals
- Android: Rakuten: Cash Back and Deals
2. Ibotta
Introduction
Founded in 2011 and based in Denver, Ibotta has become a leader in receipt-scanning cashback in the U.S., rewarding users over $1.5 billion since inception. Regular users average ~$261 saved per year. It partners with brands and retailers to offer tailored deals, making discovering discounts—whether at the grocery store, online, or even on gift cards—a breeze.
How It Works
Before shopping, users add offers in the app or link loyalty cards. After purchase, they can either scan receipts or rely on linked accounts to automatically confirm eligible purchases. Earned cashback can be withdrawn via PayPal, bank transfer, or gift cards once the $20 threshold is reached.
Areas Served
United States only.
Industries Served
Groceries, pharmacies, restaurants, home goods, toys, tech, travel, beverages, and gift cards.
App Store Links
3. Shopkick
Introduction
Shopkick launched in 2010 to gamify shopping rewards—earning users “kicks” simply for visiting stores or engaging with products. Since being acquired by Trax Retail, it continues to blend digital and physical shopping experiences for reward-savvy consumers.
How It Works
Earn kicks by walking into partner stores, scanning items, shopping through the app or online, or uploading purchase details. Accumulated kicks can be redeemed for gift cards or transferred via PayPal/Visa.
Areas Served
Primarily United States, with limited international partnerships.
Industries Served
Retail (clothing, electronics, groceries), media, and shopping platforms.
App Store Links
Search for “Shopkick” in the iOS App Store or Google Play.
4. Upside (GetUpside)
Introduction
Upside, previously known as GetUpside, specializes in offering cashback on essential everyday spending—gasoline, groceries, and dining. Known for generous offers and flexible payouts, it’s particularly popular with frequent drivers and diners.
How It Works
Select and activate nearby offers, make the purchase, and upload your receipt to claim cashback—no linking necessary. Cashbacks are paid via PayPal or bank account without minimums.
Areas Served
United States.
Industries Served
Gas stations, restaurants, grocery stores.Lifewire
App Store Links
Search “Upside Cashback” on both iOS and Android app stores.
5. Dosh
Introduction
Dosh brings automation to cashback—no receipts or coupon codes involved. Since launching in 2016, Dosh has simplified cashback through card-linked technology, enabling users to earn without lifting a finger at participating businesses.
How It Works
Link trusted credit or debit cards. When you spend at partner merchants, cashback is credited automatically to your Dosh wallet. Withdraw via PayPal or direct bank deposit.
Areas Served
United States.
Industries Served
Retail chains, dining, travel, and hotel bookings.Lifewire
App Store Links
Search for “Dosh” in both app stores.
6. Drop
Introduction
Drop, launched in 2016, simplifies loyalty by matching your card spending to your favorite brands—no extra steps needed. Accumulated points are redeemable for gift cards, and special campaigns can earn you bonus multipliers.
How It Works
Link preferred debit or credit cards and choose brands to “drop” with. Spending at these merchants earns points automatically, which you redeem for gift cards.
Areas Served
United States and Canada.
Industries Served
E-commerce, food delivery, retail, travel.
7. Fetch Rewards
Introduction
Fetch Rewards—a U.S.-centric receipt capture app—turns everyday purchases into rewards using a points-based system. Users simply scan receipts from any store and earn points for teaming up brands with Fetch’s partners.
How It Works
Snap your receipt in-app, and designate products linked to Fetch’s database to earn points. Redeem points for gift cards.
Areas Served
United States.
Industries Served
Groceries, retail stores, pharmacies.Reddit
8. Swagbucks
Introduction
Swagbucks is a multi-faceted rewards platform where users earn points (“SB”) by shopping, watching videos, taking surveys, and more. Over the years, it has become one of the most versatile ways to gamify daily web activity.
How It Works
Accumulate SB via several actions, then redeem for PayPal cash or retailer gift cards.
Areas Served
Primarily U.S. and Canada.
Industries Served
Online shopping, media, market research.
9. Receipt Hog
Introduction
Receipt Hog makes earning fun via gamified receipt submissions. It pays you in coins whenever you upload any shopping receipt, with chances to unlock games, spins, contests, and more.
How It Works
Upload receipts—any store is accepted—and receive coins, spins, or extra rewards. Convert coins to cash or gift cards.
Areas Served
U.S., Canada, and the UK.
Industries Served
General retail and grocery.
10. Checkout 51
Introduction
Checkout 51 is a Canadian and U.S. grocery cashback platform offering rotating weekly deals. Select offers in-app, purchase items, upload your receipt, and once approved, cash out via bank transfer.
How It Works
Choose offers weekly, shop, submit receipt, and once verified, accumulate cashback. Payouts start once you reach $20.
Areas Served
United States and Canada.
Industries Served
Grocery items across major retail chains.
11. ShopBack
Introduction
ShopBack is the leading cashback platform across APAC, with over 30 million users in 13 countries. It combines hourly deals, shopping rebates, and bonus campaigns to deliver dynamic savings for online shoppers.
How It Works
Shop via ShopBack’s site or app to partner merchants, and cashback appears in your account. Withdraw via PayPal or local bank transfer.
Areas Served
APAC (Singapore, Malaysia, Indonesia, Philippines, etc.), plus Australia and Germany.LifewireWikipedia
Industries Served
E-commerce—fashion, travel, groceries, ride-booking, electronics.
12. BeFrugal
Introduction
BeFrugal positions itself with competitive cashback among U.S. and Canadian users. It allows coupon stacking and promotes high cashback rates, appealing to deal hunters who shop online frequently.
How It Works
Shop through the site or extension, earn cashback from participating stores, and withdraw via check or PayPal once the minimum is met.
Areas Served
United States and Canada.
Industries Served
Wide retail: fashion, travel, electronics.
13. TopCashback
Introduction
TopCashback is globally known for offering near 100% of the affiliate commission back to users. Its high cashback rates and minimal withdrawal limits attract international deal-seekers.
How It Works
Access stores through their site or extension, earn cashback from commissions, and withdraw via PayPal, bank, or vouchers.
Areas Served
United States, UK, Canada, and other countries.
Industries Served
Retail, travel, services.
14. MyPoints
Introduction
MyPoints is among the longest-standing reward programs—launched in 1996—offering points through shopping, surveys, and reading emails. Redeemed points can be converted into gift cards or PayPal dollars, making it a flexible resource for diverse online activity.
How It Works
Engage in shopping, emails, or surveys to earn points. Redeem them for cash or gift cards.
Areas Served
United States.
Industries Served
Retail, media, market research.
15. InboxDollars
Introduction
InboxDollars pays users to shop, watch videos, take surveys, and even scan receipts, with an added $5 signup bonus. Over time, it’s become a versatile alternative to pure cashback apps.
How It Works
Complete tasks to earn dollars. Withdraw via check or PayPal after reaching the minimum.
Areas Served
United States.
Industries Served
Media, shopping, daily tasks.
16. Mr. Rebates
Introduction
Mr. Rebates operates similarly to Rakuten—fans appreciate its simplicity and frequent offers. With decades of service, it remains a solid option for online shoppers seeking easy cash back.
How It Works
Shop via their links, earn rebates from retailers, and cash out via PayPal or check.
Areas Served
Primarily United States.
Industries Served
General retail and services.
17. Paribus
Introduction
Paribus automates earning by monitoring your shopping receipts for price drops or shipping delays. When retailers owe you money, it claims it on your behalf—letting you earn savings without proactive effort.
How It Works
Scan receipts or link email accounts; Paribus then watches for eligible refunds and submits claims automatically.
Areas Served
United States.
Industries Served
Online retail, particularly major merchants.
18. SavingStar (Coupons.com)
Introduction
SavingStar—merged with Coupons.com—offers cashback on grocery purchases managed through linked loyalty cards or receipt uploads. It simplifies everyday savings without requiring paper coupons.
How It Works
Activate offers in-app, shop, and receive cashback via bank or PayPal automatically with a loyalty card or receipt upload.
Areas Served
United States.
Industries Served
Grocery retail.
19. Koho (Canada-specific)
Introduction
Koho blends fintech with rewards—this Canadian prepaid Mastercard offers up to 5% cashback in select categories and 4% savings interest. Known also for budgeting dashboards, it’s a hit among Canadian users seeking both rewards and banking tools.
How It Works
Use the Koho card for everyday spending. Cashback and interest apply automatically, and you manage everything in the app.
Areas Served
Canada.
Industries Served
Everyday spending, financial services.
20. EQ Bank Card (Canada)
Introduction
EQ Bank Card delivers what many customers want—both cashback (0.5%) on purchases and a high interest rate (up to 3.5%) on balances. It’s part of Canada’s digital banking trend and ideal for minimalist savers.
How It Works
Use it like a debit card. Cashback applies instantly, and the account accrues high interest.
Areas Served
Canada.
Industries Served
Financial services and everyday spending.
21. Caddle (Canada)
Introduction
Caddle offers a combination of grocery receipt cashback, surveys, and video rewards—perfect for users looking to monetize everyday purchases and entertainment time.
How It Works
Scan receipts for offers, complete surveys or watch videos to earn. Cash out via check once minimum is reached.
Areas Served
Canada.
Industries Served
Grocery, media engagement.
22. Green Jinn / Checkoutsmart (UK)
Introduction
Popular in the UK, Green Jinn and Checkoutsmart let users earn grocery cashback by uploading receipts tied to select product deals. These apps focus on everyday shopping in a familiar and reward-driven format.
How It Works
Activate weekly product offers, shop, and then submit receipts for instant cashback.
Areas Served
United Kingdom.
Industries Served
Grocery and retail.
| App | Regions Served | Key Vertical Focus |
| Rakuten, Shopkick, TopCashback | Global (U.S., UK, APAC) | Online & hybrid retail |
| Ibotta, Fetch, Receipt Hog, Checkout 51, SavingStar | U.S./Canada | Groceries, everyday shopping |
| Upside, Dosh, Drop | U.S. | Gas, dining, automated rewards |
| Swagbucks, InboxDollars, MyPoints, Mr. Rebates | U.S. & Canada | Multi-task earning |
| Paribus, Honey, Capital One Shopping | U.S./Global | Savings via automation & tracking |
| Koho, EQ Bank Card, Caddle | Canada | Banking-linked cashback |
| ShopBack | APAC, U.S., Australia, Germany | Broad e-commerce |
| Receipt Hog variants, Green Jinn | Multiple / UK | Receipt-based offers |
Final Thoughts
These 25 apps span the globe—from North America and Europe to APAC—and cover a wide range of sectors: groceries, e-commerce, dining, banking, and more. Whether you prefer scanning receipts, automating cashback via cards, or even letting apps do the work for you, there’s something in this list for every type of saver.
FAQ’s
A cashback and loyalty reward app is a mobile platform that offers users monetary rewards or points for making purchases through specific partner retailers or service providers. Cashback gives you a percentage of your spending back, while loyalty rewards offer points that can be redeemed for discounts, free products, or exclusive perks
Cashback apps partner with retailers and earn a commission for referring customers. A portion of this commission is shared with the customer as cashback, and the rest is kept by the app. Some also earn revenue through advertising, premium subscriptions, and selling consumer insights.
Most reputable cashback apps are safe if downloaded from official app stores and used as intended. However, users should check app ratings, reviews, and privacy policies before signing up to ensure personal and financial information is secure
Yes, you can use multiple cashback apps to maximize rewards. However, some retailers may only allow cashback from one platform per purchase. It’s worth comparing offers before checkout to see which app gives the best deal.
It depends on the app. Some cashback amounts never expire as long as your account is active, while others may have expiry dates for points or rewards. Always check the terms and conditions of each platform.
Industries like retail, hospitality, travel, food and beverage, e-commerce, and entertainment benefit the most. These sectors rely heavily on repeat customers, and loyalty programs encourage repeat purchases while improving customer retention rates.
Loyalty points are earned when you make purchases with participating merchants. Each dollar spent usually earns a fixed number of points, which can be redeemed for discounts, free products, or exclusive offers. Some programs also offer bonus points for special promotions.
Not all cashback apps operate globally. Some are region-specific due to retail partnerships, currency, and legal compliance. However, global apps like Rakuten, ShopBack, and Honey operate across multiple countries.
Yes, many apps offer cashback for both online and in-store shopping. For in-store purchases, users may need to link their payment cards or scan receipts to track transactions.
Withdrawal time varies by app. Some allow instant transfer to PayPal or bank accounts once you reach a minimum balance, while others process payments monthly or after a set waiting period to account for returns and cancellations.
