10 Best Cashback Apps That Actually Save You Money in 2025
In today’s economy, every dollar counts—and cashback apps are one of the easiest ways to stretch your budget further. Whether you’re shopping online, filling up your gas tank, or dining out, these apps reward you for purchases you’re already making.
But not all cashback apps are created equal. Some offer higher percentages, while others provide exclusive deals or instant payouts. To help you maximize your savings, we’ve tested and ranked the 10 best cashback apps in 2025 based on reliability, payout options, and real user experiences.
1. Rakuten (Formerly Ebates)
Best For: Online shoppers who want high cashback rates
Average Cashback: 1–10% (up to 40% during promotions)
Rakuten remains a top choice for online shoppers, partnering with over 3,500 retailers, including Amazon, Walmart, and Best Buy. Unlike some apps that only work in-store, Rakuten specializes in online cashback, though it also offers in-store deals when you link a credit card.
Why It Stands Out:
- Frequent double cashback promotions
- Quarterly payouts via PayPal or check
- Browser extension automatically applies coupons
2. Fetch Rewards
Best For: Grocery savings without scanning receipts
Average Cashback: Varies by product (points system)
Fetch Rewards simplifies grocery savings by giving you points for any grocery receipt, regardless of store. Just snap a photo, and the app scans eligible products. Brands like Pepsi, Huggies, and Dove frequently offer bonus points.
Why It Stands Out:
- No need to select offers before shopping
- Points redeemable for gift cards (Amazon, Target, etc.)
- Works at major supermarkets and convenience stores
3. Ibotta
Best For: Combining cashback with coupons
Average Cashback: 0.25–0.25–5 per item
Ibotta is ideal for shoppers who want to stack savings—combining manufacturer coupons, store discounts, and cashback. It works at grocery stores, pharmacies, and even liquor stores.
Why It Stands Out:
- “Any item” bonuses for non-brand-specific purchases
- Works with Walmart+, Kroger, and other loyalty programs
- Instant PayPal or Venmo withdrawals
4. Honey (by PayPal)
Best For: Automatic coupon codes + cashback
Average Cashback: 1–5% at select retailers
Honey’s browser extension does the work for you—automatically applying the best coupon codes at checkout. Its cashback program, Honey Gold, rewards purchases at stores like Sephora, Nike, and GameStop.
Why It Stands Out:
- No need to activate deals manually
- Redeem rewards for PayPal cash or gift cards
- Tracks price drops for potential refunds
5. Upside
Best For: Cashback on gas, dining, and groceries
Average Cashback: Up to $0.25/gal on gas, 15% at restaurants
Upside is a must-have for drivers and foodies. It partners with Exxon, Shell, Burger King, and more, offering cashback when you check in before purchasing.
Why It Stands Out:
- Real-time gas price comparisons
- Direct deposits to bank/PayPal (no minimum threshold)
- Works even without linking a credit card
6. Dosh
Best For: Passive cashback with linked cards
Average Cashback: 2–10% at select merchants
Dosh is the ultimate “set it and forget it” cashback app. Link a credit or debit card, and you’ll automatically earn money when shopping at partnered businesses like Uber, Macy’s, and CVS.
Why It Stands Out:
- No receipt scanning or promo activation needed
- Cash out anytime via PayPal or Venmo
- Works with Airbnb and hotel bookings
7. Shopkick
Best For: Earning rewards without spending money
Average Cashback: Points system (redeemable for gift cards)
Unlike traditional cashback apps, Shopkick rewards you for walking into stores, scanning items, or making purchases. It’s great for people who window-shop or want small, frequent rewards.
Why It Stands Out:
- Earn points for simply visiting Target, Walmart, etc.
- No minimum redemption threshold
- Gift card options include Starbucks and Visa prepaid cards
8. Capital One Shopping
Best For: Amazon shoppers looking for better deals
Average Cashback: 1–15% at competing retailers
This free browser extension compares prices across the web, ensuring you never overpay on Amazon or other major retailers. It also offers Capital One-exclusive discounts.
Why It Stands Out:
- Earn “Rewards Credits” redeemable for gift cards
- Price-drop alerts for tracked items
- No Capital One card required
9. Swagbucks
Best For: Earning cashback on shopping, surveys, and more
Average Cashback: 1–10% + extra rewards for activities
Swagbucks isn’t just a cashback app—it’s a full rewards ecosystem. You earn “SB” points for shopping, watching videos, taking surveys, and even playing games.
Why It Stands Out:
- Multiple ways to earn (not just shopping)
- Low $5 cashout minimum via PayPal
- Frequent bonus point opportunities
10. Pei (Now Part of Uber)
Best For: Automatic cashback on everyday spending
Average Cashback: 1–10% at local and national merchants
Pei (now integrated with Uber) offers automatic cashback when you use a linked card at supported businesses. It’s especially useful for Uber Eats, Postmates, and local restaurants.
Why It Stands Out:
- No need to activate offers manually
- Cash back in Bitcoin (optional)
- Works with small businesses, not just chains
Final Thoughts: Which Cashback App Is Best for You?
The best cashback app depends on your spending habits:
- Online shoppers → Rakuten or Honey
- Grocery savers → Fetch or Ibotta
- Gas & dining → Upside
- Passive earners → Dosh or Pei
Pro Tip: Combine multiple apps for maximum savings. For example, use Rakuten for online purchases, Fetch for groceries, and Upside for gas.
By using these apps strategically, you can easily save hundreds per year with minimal effort. Which one will you try first?
Want more money-saving tips? Explore our Smart Savings & Deals section for the latest discounts and budgeting hacks!
