Imagine throwing away $2 per day for the rest of your life.
If you live 50 more years, that adds up to $36,500.
Depending on your online and in-store shopping habits, you could be paying more for your purchases than necessary.
Rather than wasting that $2 per day, you could be getting cash back using legit cash-back apps and websites.
I started using multiple cash-back sites within the last few years, and have received hundreds of dollars back on my everyday purchases.
It’s exciting to know that cash-back websites will pay me to shop for the things I already planned to buy. If you want to put money back into your pocket as you shop, check out these cash-back apps.
Cash-Back Sites for Online Retail Shopping
The average American spends $1,804 per year shopping online. Depending on what you purchase and where, you could end up earning between one and 40% back using the right cash-back apps and websites.
Swagbucks is one of the largest microtask websites on the web. Most members earn cash back for shopping online, but the company also pays a percentage on some in-store purchases when you link a debit or credit card to your account.
InboxDollars is a microtask website that has a small cash-back section that’s easy to miss. But it’s a good place to start if you want to earn up to 3.5% back at stores like Walmart, Gap, or Macy’s.
Formerly known as Ebates, Rakuten connects popular retailers like Amazon, Kohl’s, and Walgreens with shoppers to help them earn real cash back instead of points.
MyPoints is another microtask website that lets you earn cash back online for shopping. You can search by retailer name or browse through the alphabetical listing of hundreds of stores.
To simplify your online shopping experience, a browser extension like Honey automatically applies coupons and cash-back savings to your shopping cart.
Dosh is a cash-back app that offers a “set it and forget it” solution to earning money back on your online and in-store purchases.
Raise is best known for its wide selection of discounted gift cards. But now it also lets you earn cash back (called Raise Cash) to use towards future gift card purchases.
Trim is not your typical cash-back site, but it does help you save money in other ways. Their most popular feature is a bill negotiation service.
When the price of items you’ve purchased within a certain time frame drops, Earny kicks in and requests refunds on your behalf.
Paribus is a free service that links to your email account and tracks price drops on your online purchases.
You can earn cash back automatically from up to five major retailers using the Drop app.
Self-proclaimed as the “USA’s Most Generous Cashback Site,” TopCashBack features stores like eBay and Amazon among its thousands of participating merchants.
Cash-Back Sites for Local Grocery Shopping
According to Credit Donkey, single Americans spend an average of $60 and families spend an average of $118 per week on groceries, making grocery shopping inevitable. You can use cash-back apps to earn money back on these purchases.
Shopkick became well-known for letting members walk into stores and make money scanning barcodes. Now, it’s also a cash-back app that lets you earn “kicks” on your everyday in-store and online purchases.
Ibotta is a popular app for Android and iPhone that pays cash back for grocery shopping at stores like Walmart, Target, Wegmans, and many others.
15. Fetch Rewards
Unlike Ibotta, Fetch Rewards lets you earn cash back on your grocery shopping trips without adding offers to a list. It’s a huge time-saver because all you have to do is scan your receipt when you’re done shopping — that’s it.
16. Checkout 51, Inc.
Checkout 51, Inc. is another app that calculates cash-back deals in dollars vs. points. You can see exactly how much money you’ll receive back for your grocery purchases.
There are two ways to earn cash back using SavingStar: automatically and manually uploading receipts.
18. Receipt Hog
Instead of scrolling through long lists of offers, you can submit all of your receipts to Receipt Hog to earn coins.
5 Tips to Get the Most Cash Back
Earning cash back for your everyday shopping is a bonus, but there are ways to get more cash back using some lesser-known tips and strategies.
Stack Your Rewards
Earning cash back using a single app is great, but did you know you can stack your rewards to get even more back during a single shopping trip? For example, when grocery shopping, you can purchase a discounted gift card from Raise, buy your groceries with a cash-back credit card, and then submit your receipt to Ibotta.
For online shopping, you can use Rakuten’s shopping links, Raise discounted gift cards purchased with a cash-back credit card, and possibly rake in more savings by connecting Paribus to your email account. Each company offers a small savings percentage, but stacking them together for each purchase adds up.
Compare Cash-Back Sites Each Time You Shop
Don’t get comfortable with just one cash-back site when you can compare multiple deals and save even more. Swagbucks might offer more cash back for Walmart purchases, but Rakuten might offer more cash back for shopping at Amazon. Take a few extra minutes to check current cash-back rates with multiple companies before committing to your purchase.
Don’t be Brand or Retailer Committed
If you’re willing to shop for brands you don’t normally purchase, you may find better deals on items plus higher cash-back savings.
Save Your Receipts
You may not grocery shop with the intention of earning cash back, but save your receipts when you shop. You can submit your receipts to Ibotta, Shopkick, Fetch Rewards, and other cash-back apps later to possibly earn some cash.
Check the Fine Print
Some cash-back sites (like Rakuten) specify that items added to your cart on Amazon before clicking a shopping link will not earn cash back. Also, many retailers offer different cash-back percentages depending on the categories you shop in. To maximize your savings, read through the fine print so that you never miss an opportunity to earn cash back.
Ignoring Cash-Back Sites Leaves Cash on the Table
Ignoring cash-back sites (even the ones that pay very low percentages) costs you money over time. You won’t see huge savings on a single purchase, but every little bit adds up.
According to GOBankingRates, the average American spends $164.55 per day. If you have 50 years ahead of you, and earn only 1 to 2% on your purchases using cash-back credit cards, you could save yourself anywhere from $30,000 to $60,000. Plus, using cash-back apps on top can double those savings.
Don’t let your money go to waste. Download the best cash-back apps and start saving money every day.