Everyone is looking for ways to make or save extra money, so I thought it’d be a good idea to share all of the best cashback apps I use to help me optimize my everyday spending. If you use all of the apps I write about in this post, you’ll put yourself in a pretty good position to optimize your everyday spending.
Before we get started with all of the best cashback apps that I use, let me first talk a little bit about how I approach spending. My philosophy with spending money goes like this – anytime I have to spend money on something, I want to do so in a way that will get me the most return on my spend. That’s one of the main reasons that I open up a new credit card every few months. By doing that, I’m able to get money back in the form of hefty credit card signup bonuses, which I can then use for free travel, all while spending the same money I’d already be spending anyway.
Perhaps the easiest way I optimize my spending is by using a plethora of apps that run in the background. These apps give me cash back when I spend money at certain places – either in cash, credits, or gift cards. What’s great about all of these apps are that they’re entirely passive and run in the background without you even noticing them. In short, they’re a great way for you to optimize your financial life just a little bit more.
Note that the apps I talk about in this post differ from the receipt apps that require you to take a picture of your receipt in order to earn cash back. I’ve always found that those kinds of apps – Ibotta, for example – took me too much time for what I was getting in return, plus I didn’t like the fact that those kinds of apps required me to buy specific things at the store. However, I do use and recommend using ReceiptPal, ReceiptHog, and FetchRewards to take pictures of your grocery store receipts – I find those apps very easy to use since they let you take pictures of any receipt, and the money you earn from those apps surprisingly adds up over time.
With all that out of the way, let’s take a look at the best cashback apps that I think everyone should use.
The Best Cashback Apps
If you’re just looking for a list of the best cashback apps, here’s what I recommend (I use every single one of these apps personally). Make sure to read through the rest of the post to learn more about why I recommend each of these apps.
- Dosh (Get $1 if you sign up using my link)
- Drop (Get 1,000 points if you sign up using my link)
- Ebates (Get $10 if you sign up using my link)
- Freebird (Get $10 if you sign up using my link and referral code, financialpanther)
- Pei (Get $5 when you use my referral code, nlvveb)
- WikiBuy and Honey
The first app I recommend you use is Dosh. It’s a mobile-only app that tracks your spending and gives you cash back for purchases you make at certain restaurants and stores. I’ve been using Dosh for over a year now to earn cashback on my spend at various restaurants and breweries around me.
What makes Dosh really great is that it’s completely passive once you set it up. You just link your credit cards to Dosh, and if you spend money at a participating business, you automatically get cash back to your Dosh account. You can then cash out your earnings to your regular bank account once you hit the minimum cashout requirement.
In my time using Dosh, I’ve found that it instantly recognizes when I spend money at a participating place and then credits my Dosh account immediately. It’s pretty crazy how fast it works. For me, Dosh has worked out really well simply because a lot of breweries in my neighborhood seem to offer 5% or more cashback. When you combine that with the credit card rewards that I earn (typically at least 2% back), I’m basically snagging myself a 7% discount at most breweries – all without having to do anything!
I wouldn’t recommend you go out of your way to eat or drink at places you wouldn’t normally go to, but you should definitely link your cards to Dosh to give you a little bit of return on spend for random places you might happen to go to.
Even better, if you sign up for Dosh using my link and link a credit card, you’ll get a free $1 to start off your account. You can’t beat that for a few seconds of work.
Another app I’ve been using to get a little bit of cash back on my everyday spend is Drop. Like other cashback apps, you link your credit cards to Drop and then you earn points that you can redeem for gift cards. 1,000 points are worth $1. It’s not a ton of money, but again, it’s money you’re earning for the money you’re already spending anyway.
When you first sign up for Drop, you’ll have to choose five primary stores that you can earn points at. I picked Chipotle, Uber, Walgreens, Target, and McDonalds as my five base stores. Other stores include Whole Foods, Trader Joes, and some clothing stores that I don’t really shop at very often. My advice is to pick the places that work for you.
Drop also offers special deals which allow you to earn more points for certain purchases. These are rotating categories that you technically have to activate, so every once in a while, you’ll need to go into the app and activate these deals.
It only takes a few minutes to sign up for Drop and get everything set up, so it’s definitely worth the time to set things up. Again, don’t change your spending habits just because of this app, but it’s not bad to just have Drop passively running in the background for you.
If you sign up for Drop using my link, you’ll get 1,000 Drop points to start off your account.
Ebates is pretty much a no-brainer Google Chrome extension that everyone should have in their browser. With Ebates, you get cashback on almost any purchase you make online – typically around 2-5% back, but often more depending on the store and the time of year.
The extension only takes a few seconds to set up, and once it’s in your browser, it’ll automatically notify you if you’re on a website where Ebates offers cashback. From there, you just activate the extension and continue with your purchase as normal. Ebates then tracks your purchase and gives you whatever percent cashback you earned.
If you’re wondering how Ebates is able to pay this cashback, it basically gets a referral fee from the store when someone buys something with Ebates activated. Ebates then shares this referral fee with you. The alternative would be that you don’t use Ebates, in which case you’re just not getting back anything at all – so naturally, Ebates makes a lot of sense to use.
You get paid by Ebates once per quarter, so it’s a nice little bonus when you get an Ebates check in the mail. In my time using Ebates, I’ve earned back several hundred bucks – all while spending on stuff I was already going to buy anyway. And all I had to do was take a few seconds to set up the Ebates Google Chrome extension.
If you combine Ebates with the return you’re getting on your credit cards, pretty much any purchase you make online should be worth at least a 5-10% discount. Basically, if you buy anything online, you should make sure you have Ebates set up – otherwise, you’re just missing out on free cashback.
If you use my link, Ebates will give you a $10 signup bonus once you make your first purchase using the Ebates browser extension!
Freebird is a new app that I’ve found that I’ve now added to my best cashback app list. If you ever use Uber to go anywhere, this is a must-have app that you need to download. Here’s how Freebird works.
A lot of people are taking Ubers to go to various places. At the same time, there are hundreds of restaurants looking to find ways to get people in the door. Freebird partners with restaurants to offer cashback if you take an Uber to that restaurant. For the restaurant, it’s basically a marketing expense – if you take an Uber to their restaurant using the app, the restaurant pays you something, which is worth it for them since it gets a customer through the door. Below is a video from Freebird that explains how it works:
So, basically, instead of ordering Ubers through the Uber app, you should instead order them using the Freebird app. It’s exactly the same thing as ordering an Uber, but by using the Freebird app, you at least get cashback on your rides.
I’ve found that cashback rates tend to be about $4 for the restaurants near me, so if you go to a restaurant that’s not too far away, you can basically subsidize or completely cover the cost of your Uber ride. If you order an Uber to go to a non-participating place, you earn points. 5,000 points in the app equals $10 cashback. I’ve already used Freebird a few times to try it out, and it’s worked out great for me.
If you use my referral link, you’ll get $10 cashback on your first two Uber rides ($5 cashback for each ride). To make sure that the referral link worked, be sure to enter my code, financialpanther, in the promo codes section of the app (you’ll see it when you click on “profile” in the app).
Interestingly, Freebird lets you stack various promo codes, which means, at the time of writing this, you can get yourself $70 worth of free Uber rides with these promo codes. To maximize your cashback with Freebird, enter all of the following promo codes in the Promo Codes section of the app. Depending on when you’re reading this, some of these codes might not work anymore, but try them all just to be sure.
- j622d to get $10 cashback.
- WAM20BAM $10 back on 2 rides.
- APR19BONUS $10 back on an extra ride.
- ATOMVIP to get $25 cashback.
- GOLONG to get $10 cashback.
- 5for5 to get $25 total cashback ($5 each on your first 5 rides).
Pei is a new cashback app that works similarly to Dosh and Drop. Like with those apps, all you have to do is link your credit cards to Pei, and then Pei gives you a certain percentage of cashback at participating restaurants and stores. What’s interesting is that Pei seems to have a lot of national retailers as well, such as Walgreens and Starbucks, so you have a lot more opportunities to earn cashback on your everyday spend.
I’ve been using Pei for a little bit now, and it seems like it stacks with Dosh and Drop, which means that you can have more opportunities to really maximize your cashback. The app is still pretty new compared to a lot of these other apps, but I think its worth using as another passive cashback layer to your cashback system, especially given how many big retailers they seem to have in their system. If it stops stacking with Dosh and Drop, I’ll remove it from this list, but for the time being, it stacks, so its worth using.
Download Pei using my referral code, nlvveb, and you will get $5 once you make your first purchase with a linked card.
6. Honey & WikiBuy
My next set of apps are two Chrome browser extensions that will help you make sure that you’re paying the lowest possible price for whatever you’re buying. I’ve put them both in the same section because they work very similarly and it makes sense to have both of them installed in your browser.
- Honey works by scanning for coupons and promo codes whenever you’re checking out from your online purchase. By using Honey, you’ll always know that you’ve used every possible coupon or promo code out there. If you sign up for Honey with my link, you even get $5 when you use Honey at checkout.
- WikiBuy works similarly to Honey, but its best feature is that whenever you buy something on Amazon, it will automatically tell you if Amazon is offering the lowest price, or if you could find that item for a lower price somewhere else, such as on eBay or another site. WikiBuy works entirely in the background and integrates right into Amazon, so you should definitely have this app installed.
One thing to note is that both Honey and WikiBuy have a cashback thing similar to Ebates on some websites, but these won’t stack with Ebates. Most likely, if either of these apps offer cashback, Ebates offers it too, and I’d recommend using Ebates for your cashback (but obviously, use whichever one gives you the most cashback).
The last cashback program I use is Upromise. Like with Dosh, Drop, and Uber Offers, Upromise tracks your credit card spending in the background and then gives you cash back on eligible purchases.
The main difference is that you’re supposed to use the cash back that you earn through Upromise to pay student loans or to fund 529 plans. I’ve just been putting the cash into my own 529 plan that I set up for myself a few years back.
I haven’t earned a ton of money through Upromise and it seems super slow in actually applying your cashback to your account. Still, it requires no work on your end other than linking your credit cards, so you might as well have it set up.
I have a few other apps that I have included here as honorable mentions. I think these apps are worth setting up just to squeeze out a little bit more cashback.
Earny is an app I use to help me get refunds in the event that something I buy goes down in price. Most people don’t realize it, but if you buy something and the price drops a little later, most credit cards will give you a refund on the difference. The issue, obviously, is tracking this – few of us have time to go around tracking prices on our purchases.
Earny takes away this problem by monitoring your purchases for you and then getting you refunds when there’s a price drop. They charge 25% of any refund they get you, but that’s worth it when you consider that you’d normally get nothing back. So, if you were to get a $10 refund, Earny takes $2.50 of that $10 refund, netting you $7.50 that you otherwise wouldn’t have seen.
It doesn’t take long to set up, and you might as well have Earny running in the background as well. You can sign up for Earny here.
Note that the reason I dropped Earny to “honorable mention” is due to the fact that a lot of credit card companies are starting to reduce price matching because of automated price-matching apps like Earny. For example, Chase got rid of price-matching in the last year because of apps like Earny. I still recommend just keeping this app just because it doesn’t take any effort, but be aware that this app isn’t as good as it once was.
Visa Local Offers From Uber
I recently discovered that Uber has their own cashback program in the Uber app called Visa Local Offers. Like with other cashback apps, you link your credit card and it tracks your spending. When you spend at certain places, you’ll automatically earn cash back in the form of Uber credits. It won’t be helpful for you if you’re looking for straight cash, but if you ever use Uber, this is a nice way to get a little bit back on shopping you’re already doing.
You can also use Uber Offers even if you’re using other cashback apps (like Dosh or Drop), so it’s a nice way to stack some extra return on your spend.
The transactions are immediate as well – literally as soon as my card was charged, I received my Uber credit (which was a nice bonus because I had no idea that I was going to get any Uber credit at the time).
To set up Uber Offers, just go to your Uber app and activate it. It’ll be somewhere on the main screen. After that, you don’t have to do anything else – it’ll just monitor your cards and give you cash back if you spend at eligible places. Note that, as the name implies, it only works for Visa cards.
There are a lot of apps out there that can save you money or give you some cash back on your everyday spend.
You obviously won’t get rich from these apps, but it’s at least something. And none of this requires you to change any of your spending habits. You’re basically adding a cashback component to your financial life that runs passively in the background.
It literally takes a few minutes to set up all of these accounts. Most of you could probably read this post and set up all these apps in the next 15 or 20 minutes. Once set up, you can sit back and just keep doing what you normally do.
What do you think of my best cashback apps list? Any other cashback apps that you recommend?