How to Use Cash Back Apps to Save Money Effortlessly

Let's be honest, saving money can sometimes feel like a huge, overwhelming task. But what if I told you there was a simple, easy way to rack up rewards on your regular spending? Enter cash back apps – they’re a game-changer for anyone looking to boost their savings without a lot of fuss.

September 23, 2022

I’ve been exploring these apps myself lately, and I'm seriously impressed with how much I've already saved. It's amazing how quickly those rewards add up, especially when you’re already doing your normal shopping. This post will break down how to use them effectively, so you can start reaping the benefits today.

What are Cash Back Apps?

Basically, these apps partner with tons of retailers – from grocery stores like Target and Walmart to online giants like Amazon and Sephora – and give you a percentage of your purchase back as cash, points, or gift cards. You earn these rewards simply by shopping where you already would!

Popular Cash Back Apps to Consider:

Rakuten (formerly Ebates): This is probably the most well-known. They offer cash back on a huge number of retailers and it’s super easy to sign up and start earning.
Ibotta: Primarily focused on grocery shopping, Ibotta offers rebates on specific products and brands. You'll typically need to scan your receipt to claim your rewards.
Fetch Rewards: A really clever app! You scan any receipt, and they'll give you points. You can then redeem those points for gift cards - you don’t have to limit yourself to specific brands like some other apps.
Swagbucks: Swagbucks has evolved beyond just cash back and offers points for taking surveys, watching videos, and playing games. It’s a great way to earn a little extra alongside your purchases.

How to Maximize Your Rewards:

Download & Install: Start with one or two apps – don’t overwhelm yourself. Rakuten is a great place to start because of its broad selection.
Link Your Accounts: Most apps let you link your store loyalty cards and credit cards for seamless tracking and automatic rewards.
Shop Where You Already Buy: Don’t change your shopping habits! Just use the app when you’re already planning to buy something.
Check for Bonus Offers: Many apps have limited-time bonus offers for specific stores or products. Keep an eye out for these to maximize your earnings.
Don’t Forget the Receipt Scanning: For apps like Ibotta and Fetch Rewards, diligently scan your receipts – this is what unlocks the rewards!

A Few Extra Tips:

Stack Rewards: If you're using multiple cash back apps, check to see if you can stack rewards. For example, you might earn cash back from Rakuten and a rebate through Ibotta on the same purchase.
Read the Terms & Conditions: Pay attention to any restrictions or limitations on the rewards.

Saving money shouldn’t feel like a chore. Cash back apps make it easy, intuitive, and surprisingly rewarding. Give them a try—you might be surprised at how much you save!