Best cash back apps, compared

Updated Sep 28, 2026 · 7 offers, each checked on the official page

Apps that pay you for things you already buy. What each one actually pays, from its own pages.

Shopping online

Rakuten welcome boost

Extra 10% cash back at eligible stores, up to an extra $50

  • Join Rakuten and shop through it at eligible stores (Amazon excluded)
  • Welcome bonus needs $25+ in qualifying purchases within 90 days

Paid quarterly checks/PayPal (2/15, 5/15, 8/15, 11/15) once you have $5.01+ confirmed; purchases take 3–14 weeks to confirm · Checked Sep 28

rakuten.comStep-by-step

TopCashback

Passes 100% of its store commission to you (rates vary by store)

  • Free account; click through before buying

Paid cash out to bank, PayPal, Venmo, or gift card (some gift cards add up to 5%) · Checked Sep 28

topcashback.com

Groceries and receipts

Ibotta welcome bonus + rebates

Welcome bonus varies (shown in the app); rebates per offer

  • Redeem your first offer
  • Reach $20 in earnings to cash out
  • First cash-out available 7 days after your first redemption

Paid 0–5 days after you request a cash-out (bank, PayPal, or gift card; some gift cards need $25) · Checked Sep 28

help.ibotta.comStep-by-step

Fetch receipt points

Points on every receipt; first reward is a $10, $25, or $50 gift card

  • Scan up to 35 receipts per rolling 7 days, each within 14 days of purchase
  • Most rewards start at 3,000 points; your first redemption must be a $10, $25, or $50 card
  • Enter any referral code before your first receipt

Paid gift cards arrive within 72 hours of redeeming · Checked Sep 28

fetch.comStep-by-step

Gas and dining

Upside cash back on gas, grocery & dining

Company-reported average: 8% back on grocery and dining; $255 average first-year earnings for frequent users

  • Claim an offer in the app before you pay
  • Pay with a linked card or upload the receipt
  • Fees: $1 fee on bank cash-outs under $10; gift card cash-outs are free (usual $10 minimum)

Checked Sep 28

upside.comStep-by-step

Cards you already have

Chase Offers

Cash back on activated merchant offers (varies by offer)

  • Have a Chase card
  • Tap 'add offer' in the Chase app
  • Pay with that card

Checked Sep 28

chase.comStep-by-step

Searching the web

Microsoft Rewards (Bing search)

5 points per search; ~5,000 points ≈ $5 gift card

  • Sign in to Bing with a Microsoft account
  • Daily search limits: 5 searches (Member), 10 (Silver), 20 (Gold)
  • Default-search bonus needs 14 search days a month

Checked Sep 28

rewards.bing.comStep-by-step

Step-by-step guides

Get up to $50 extra back from Rakuten~2 min · paid 1–3 mo Up to $50 Get cash back on groceries with Ibotta~2 min · paid 1–4 wks Scan receipts into Fetch for gift cards~1 min · paid 2–6 wks $10 gift card Get cash back on gas with Upside~1 min · paid 1–2 wks ~8% back Turn on Chase Offers and 5% dining back~5 min · paid 1–3 wks 5% dining Earn gift cards by searching on Bing~2 min · paid 2–6 wks Up to $3/mo

We don't earn anything from these links: no affiliate or referral codes. Offers change; confirm the terms on the official page before you sign up.