9 Best Cashback Apps of 2026

Rakuten is the most complete online cashback portal on this list. It lists Cash Back at more than 3,500 stores and services, and you can start a shopping trip from the website, the iOS or Android app, or a browser extension for Chrome, Edge, Firefox and Safari that flags Cash Back and coupons as you shop. The app adds in-store and dining offers, and Rakuten says members have earned more than $4.6 billion since 1999. Payment is straightforward: once you have $5 or more in confirmed Cash Back, Rakuten pays by PayPal, check, Samsung Cash or Bilt Points every three months, and eligible American Express Card Members can take Membership Rewards points instead. If you do not want to wait for the quarterly date, a confirmed balance of at least $5 can go to a gift card within minutes. The trade-off is time. Online and in-store Cash Back typically takes 3 to 14 weeks to confirm, and travel can take 45 to 120 days after the booking.

Ibotta is built for the grocery run and other everyday purchases. Before you shop, you add offers in the app for items you plan to buy, then shop at a partner store and redeem by uploading a photo of your receipt or linking your loyalty card. Its App Store listing names partners such as Walmart, Kroger, Costco, CVS, Walgreens, Whole Foods and Lowe's, and says cash back is available at more than 500,000 locations. Ibotta stresses that it pays real cash back, not points. Withdrawals go to a bank account, PayPal or a digital gift card, and the help center says funds take 0 to 5 days depending on the method. The catch is the threshold: you need at least $20 in earnings and one redeemed offer, and new members wait at least 7 days after their first redemption. Offers are tied to specific products, so the payoff depends on whether you buy the brands on offer.

TopCashback is the portal for people who check rates before every online order. It lists over 7,000 retailers, from Best Buy and Walmart to Booking.com and Nike, and says it passes 100% of the commission a retailer pays it back to you as Cash Back, funding itself through sponsored ads, promotions and occasional retailer bonuses. A Highest Cash Back Guarantee backs the rates. Cash Back should appear on your Earnings page within 7 days, but it becomes payable only after the retailer's return period ends, or after the trip for travel bookings. Cash-out choices are broad: bank transfer, PayPal, Venmo or gift cards, with bonuses of up to 5% on some options such as the Virtual Visa Prepaid Card and Amazon gift cards. There is a browser extension for Chrome, Edge, Firefox and Safari and a mobile app. In-store earning exists but is a smaller part of the offer than at Ibotta or Upside.

Upside fills the gap the online portals leave: the gas pump, the grocery store and the local restaurant. You open the app, claim an offer at a location near you, then pay as usual with your own credit or debit card, so the cash back stacks on top of your card rewards, fuel rewards and loyalty programs. Upside lists offers at more than 30,000 gas station locations, including Shell, Circle K, Casey's, Marathon and Sunoco, and up to 25 cents a gallon on your first fill-up. For groceries and dining, its website cites an average of 8% cash back. Depending on the offer, you check in or upload a receipt. The payout terms are the friendliest here: Upside says there is no redemption minimum, and you can cash out to a bank account, PayPal or gift cards whenever you like. The limit is coverage, since offers depend on which businesses near you take part, and there is no store portal for general online shopping.

Fetch is the easiest app here to keep using, because you do not have to plan anything before you shop. You snap a photo of a receipt from any store, supermarket, gas station or restaurant in America and earn Fetch Points, with extra points on hundreds of brand offers listed in the app. Fetch Shop and browser extensions for Safari and Chrome add points on online orders. Points redeem for gift cards from Amazon, Apple, Walmart, Target and others, or for Visa Cash Cards, and Fetch says it never asks for credit card or banking information. The rules are worth reading. Most rewards need at least 3,000 points, your first redemption is limited to $10, $25 or $50 rewards, receipts older than 14 days cannot be processed, and points expire if the account is inactive for 90 days. Because rewards are points and gift cards rather than cash, Fetch scores below Ibotta and Upside on value.

BeFrugal is an online cashback portal that stands out for how easily you can get your money. It lists up to 40% Cash Back at more than 5,000 stores, along with coupons for 50,000+ stores and restaurant coupons for more than 250 chains. You click through from BeFrugal to a store, shop as usual, and the store reports the order within 7 days. Withdrawals to PayPal, Venmo or Zelle have a minimum of just $0.01, and BeFrugal also pays by check, US direct deposit or eGift card, with most payouts sent the next business day after you ask. New members get a $10 bonus, but it becomes payable only once you have $20 in payable Cash Back within a year. Cash Back is typically available 15 to 60 days after purchase, and travel can take up to 90 days after the stay. A newer BeFrugal Rewards program adds points for receipts, games and surveys.

Capital One Shopping is a shopping assistant first and a cashback app second. The extension and app automatically look for coupons and promo codes and apply them at checkout, compare prices across sellers including shipping and handling, and alert you when an item you want drops in price or turns up cheaper elsewhere. On eligible purchases it adds Shopping Rewards, which you redeem for eGift cards from select retailers. It is free and you do not need a Capital One bank or credit card account. The rewards side has limits. Capital One Shopping states that Shopping Rewards are not money and have no cash value, so there is no bank or PayPal option, though unused rewards on a valid account do not expire. Its help center warns that other rewards extensions or outside promo codes can interfere with tracking, and travel rewards pay out 60 to 90 days after the trip.

PayPal Honey is best understood as a coupon tool with rewards attached. Once installed, it pops up at checkout, searches for coupons across more than 30,000 sites and applies a working code if it finds one. Droplist tracks the price of items you save and notifies you if they drop, and on Amazon it compares sellers while factoring in shipping and your Prime status. Honey says it has more than 17 million members and is part of PayPal. The cashback side is Honey Gold: on eligible purchases at some stores, Honey activates rewards at checkout and adds them to your account, and you redeem them for gift cards once you have enough. Its App Store listing explains that merchants may pay Honey affiliate commissions, which it shares with users as rewards. Because rewards are limited to some stores and come back as gift cards rather than cash, Honey ranks below the dedicated cashback portals.

Swagbucks is a broad rewards program in which shopping cash back is one part. Through Swagbucks Shop you earn on purchases at more than 1,500 retailers, including Amazon, Walmart, Kohl's and The Home Depot, with rates that vary by merchant. On top of that you can take paid surveys, play web and mobile games, answer Daily Trivia and scan grocery receipts. Everything pays in SB points, which you redeem for PayPal cash or gift cards from brands such as Amazon, Target and Starbucks. New members can activate a 1,000 SB bonus, which Swagbucks values at $10, after spending at least $25 at a featured store within 30 days of registering, though gift card site and travel purchases do not qualify. Swagbucks says it has paid members $709,736,232 so far. If you only want cash back on shopping, a dedicated portal covers more stores, but Swagbucks rewards spare time as well as spending.