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Using all of the best cash-back apps at once feels a little like juggling and a lot like herding cats. You might have dozens of questions. Read on. You will find all of the answers in this, your ultimate guide to rebate and cash-back apps.

When you download the free Krazy Coupon Lady app, you’ll see a lot about the best cash-back apps like Ibotta, Checkout 51, and Fetch Rewards. We love them all. The real trick to getting huge savings is using all the cash-back apps together, whenever you can. And don’t worry — you can!


A table highlighting cash-back app features


What are cash-back rebates?

A person's hand holding an iPhone which is open to a Barcode Search scanning feature of a rebate mobile app. On the table in the background, there are several receipts laid out and grocery items behind them.

Rebate apps get you cash back or other reimbursements for receipts showing proof of purchase for an item or items. So instead of getting money taken off your total before you cash out, like with a coupon, you pay and then get some sort of a rebate once you’ve reached each app’s minimum amount, which I’ll explain.

Each cash-back and rebate app has its own set of limits and rules to get your money back, but it’s not hard, I promise.

TIP: Bookmark KCL’s Ibotta, Fetch Rewards, TopCashback, and Coupons.com pages to get dedicated deals just for those apps!


1. Download Ibotta, the best cash-back app for groceries with the most offers.

A person's hand holding an iPhone with the Ibotta app open to Walmart offers in front of a receipt on the self-checkout scanner inside of a Walmart.

Pros: Ibotta is a very user-friendly cash-back app for beginners. It offers hundreds of rebates, including ones for products that aren’t brand-specific, as well as retail offers.

Con: You have to pre-select your rebate offers before you shop when using Ibotta.

Sign-up bonus: $11 when you sign up and use the referral code GETKRAZY.

If there’s any app to start with, it’s Ibotta. It has tons of rebates for groceries and other products.

Plus, most offers reset up to three times each (about every two days). This means you can use the Tillamook cheese offer once, then wait a couple of days, use it again, and then again (on different purchases of the same product). You can even redeem some offers up to three times per receipt.

You’ll have to rack up $20 before you can cash out. But trust me, that money comes in quickly and Ibotta gives you an $11 head start when you sign up and use the referral code GETKRAZY. You can cash out through PayPal or even use it towards a gift card. (I love cashing out for a Starbucks gift card.)

Learn the ins and outs of how Ibotta works.

PRO TIP: Ibotta can also link with your loyalty accounts for easy redemption.

Download Ibotta now and start redeeming hundreds of offers on items you’re already buying!


2. Fetch Rewards does all the work for you.

A person's hands holding an iPhone with the Fetch mobile app open to the receipt-scanning feature. The user is centering the phone's camera on a receipt that is laying on a table next to some grocery items.

Pros: Fetch is very user friendly for beginners with its simplicity to redeem offers. There’s no need to preselect rebates. You can use its built-in tool to search for your online shopping receipts.

Con: There’s no cash-out option; you can only cash out for gift cards.

Sign-up bonus: 2,000 bonus points with promo code KRAZY.

Fetch Rewards is slightly different from other rebate apps. You don’t have to preselect your intended shopping items.

Earn points by either taking a photo of your receipt or linking your online shopping emails to the app. You can also earn bonus points for brand-specific products.

Link your Amazon account and earn points for Amazon purchases too! Fetch currently gives 25 bonus points for ANY receipt. And when I say any receipt, this can even be your Chick-fil-A receipt!

Cash out with as few as 3,000 points, which is equivalent to $3. Your cash-out options are limited to gift cards. However, there are more gift card options if you wait until you’ve reached 10,000+ points.

Download Fetch now and learn everything you need to know about the Fetch Rewards App.


3. Cash out right away with the Coupons.com app.

A person's hands holding an iPhone displaying the main page of the Coupons.com mobile app with a receipt and some grocery items on the table in the background.

Pros: No cash-out requirement.

Con: You can’t stack cash-back offers with manufacturer coupons.

Sign-up bonus: N/A

Coupons.com isn’t just for printing coupons anymore (but you still can if you want to). Instead, link your loyalty card or take a picture of your receipt to get cash back on a qualified purchase. Within 48 hours you’ll get your rebate.

Coupons.com rebates are still manufacturer savings, so you can’t use a manufacturer coupon AND a Coupons.com rebate offer. Look for new offers every day, but especially on Sunday.

After shopping, tap “Redeem” to submit your receipt and get cash back sent automatically to your PayPal account. If you have a store card linked before you shop, you can skip submitting your receipts.

To get started, download the Coupons.com app.



4. TopCashback is a cash-back app that rewards you for online shopping purchases.

A person's hand holding up an iPhone displaying the TopCashBack mobile app.

Pros: Get rebates on non-grocery items, sometimes up to 100%. You can use the app or their website.

Con: Waiting for your rebate to be funded.

Sign-up bonus: N/A

TopCashback is an app that gives you cash back on anything you buy from its retail partners (except for groceries).

TopCashback is super easy: it gives you actual cash (or you can pick a gift card instead). And, even better, it also gives you promo codes that you can stack on top of your cash-back earnings. To earn cash back, start on the app or website, make sure you’re signed in, and tap or click the retailer you’d like to shop. Then start shopping and earn cash back on anything you buy!

TIP: Get exclusive promo codes and coupons by downloading the free browser extension or setting notifications in the free TopCashback app. The only downside is, to redeem your cash back you have to wait for TopCashback to get paid their referral commission from the retailer you made your purchase through. This can take anywhere from one to three months. They give you 100% of what they get paid right back, rather than take a percentage, like most other apps. When your money goes from “pending” to “payable,” you can request a payout anytime for any amount.

Cash out with PayPal, Amazon gift cards, or other pre-paid gift cards, which sometimes have a bonus for cashing out with them.

Sign up for TopCashback.


5. Earn “kicks” or reward points you can redeem for gift cards with Shopkick.

A person's hands holding an iPhone and using the Shopkick mobile app's barcode scanning feature to scan a package of Starbucks Coffee with Essential Vitamins.

Pros: There are multiple ways to earn kicks (a.k.a. points). Redeem your kicks for gift cards.

Con: It can get tedious trying to tap into all the different ways to earn kicks.

Sign-up bonus: N/A

Shopkick gives you six ways to earn: walking into a participating store (​​≈10 kicks), scanning products in store (40+ kicks), linking your credit or debit card, making a purchase online with a linked card (≈3 kicks per $1), watching short ad videos (1 kick), and scanning receipts (≈1,000+ kicks).

Roughly 250 kicks equals $1 in gift card rewards, and you can cash out once you’ve earned 500 kicks. Learn everything I know about Shopkick.

Download Shopkick and start earning!


6. Checkout 51 is a cash-back app that lets you redeem offers up to five times.

A person's hand holding an iPhone displaying the Checkout 51 mobile app and an offer for Triscuit crackers that the user has claimed. In the background there are two boxes of Triscuit crackers sitting on the table.

Pros: You can redeem offers up to five times. The offers aren’t store loyal but do focus on name-brand items.

Con: The only cash-out options are PayPal or a check.

Sign-up bonus: N/A

The Checkout 51 app allows you to redeem some offers up to five times! If an offer is eligible to be redeemed multiple times, you’ll see a plus sign next to the product. From here you’ll keep hitting the plus until you reach the number of rebates you’d like to use.

Plus, Checkout 51 rebates get better the more you use them. As time progresses, you’ll have access to “Choose Your Own Offer” rebates where you can apply savings to whatever you want.

Offers reset on Thursdays each week — but be sure you’re not missing out on any of those “by Wednesday” bonus offers if you’re checking it on Thursdays for deals.

You’ll need to hit the minimum of $20 in rebates in order to cash out via PayPal or a physical check.

Download Checkout 51 now.

Your Ultimate Guide to Rebate & Cash-Back Apps