Interestingly, Rakuten also has its own cash-back credit card that can help you earn even more rewards. You'll earn cash back on all purchases you make with participating stores, and you'll receive a check or PayPal transfer for your cash back every three months provided you have at least $5.01 in rewards in your account. You can even link a credit card to your account and use Rakuten to earn cash back on eligible in-person purchases.Ĭurrently, Rakuten offers cash back at more than 3,500 stores including Walmart, Kohl's, Macy's, Nike, and Ulta. Once you do, Rakuten will automatically apply cash back rewards to purchases at participating stores. This mobile app is available for iOS or Android, but you can also add it as a browser extension to your computer. We chose Rakuten as best for earning rewards since this highly rated app is more focused on helping customers earn cash back than it is on helping them accrue savings. Only 3,500 participating stores offer cash back The app also has excellent user reviews across Google and Apple app services.Ĭash back payments are only sent every three months They also feature multi-factor authentication to help prevent unauthorized access to your account or payment details. When it comes time to redeem your cash back, you can transfer amounts of $25 or more to your bank account or PayPal account, or use your rewards for a charitable donation.įinally, Dosh uses bank-level security (256-bit encryption) to keep your information safe. ![]() ![]() Dosh also has its own travel portal that lets you get up to 40% back on stays with more than 600,000 hotels worldwide. We like the fact that Dosh works for purchases made using your mobile device or in-person purchases made in participating stores. Dosh is available for iOS and Android devices. Must connect your credit and debit cards to the appĭosh automatically applies savings to purchases you make with connected credit or debit cards with participating partners, which include brands like Instacart, Walmart, Pizza Hut, Sephora, and more. Redemptions only available once you accrue $25 in your account Ibotta is available for iOS and Android, and it has mostly excellent reviews with Google and Apple app stores. Redemptions with Ibotta are available once you have at least $20 in cash back in your account (or $25 for select gift card redemptions) that you can redeem for transfers to a bank account or PayPal. Ibotta has also paid out more than $1.2 billion in cash rewards since its founding in 2012. Note that Ibotta works for online and in-person purchases and that the app currently partners with more than 2,700 brands and retailers. Cash back will then be added to your account when you make eligible purchases with retailers including Lowe's,, Kohl's, Best Buy, Staples, and more. You can get a bonus just for downloading the app, and you can add special offers to your account from there. Specifically, the app boasts more than 500 exclusive offers on grocery delivery with brands like Walmart and Target. We chose it for our ranking based on the extra savings you can accrue on grocery purchases, including delivery and pickup. Ibotta is a coupon app that helps you save money at participating retailers, including grocery stores. Some offers require you to submit a receipt Must manually add offers to your account before you shop Must have $20 in rewards before you can cash out Honey is mostly meant to be used as a browser extension, although the Honey Smart Shopping Assistant app is available for iOS and Android. ![]() You can even earn points in the Honey Gold program for referring friends. This program lets you rack up rewards when you make purchases at participating stores, and the rewards are also shown to you along with discount codes that can apply to your purchases. We also like the fact that Honey has its own rewards program known as Honey Gold. The Honey app boasts an average discount of 17.92% on purchases, and users receive an average annual savings of $126. With the Honey Smart Shopping Assistant app, savings can apply to stores in the United States, as well as several countries outside of the US. When you shop with the browser extension, coupon codes can be automatically applied to more than 30,000 merchants. We chose Honey as the best option for automatic savings since this app and browser extension automatically searches the web for the best discount codes available. Honey Gold rewards can only be redeemed for gift cards or shopping vouchers for non-U.S.
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