In today’s digital age, saving money has become easier than ever, thanks to cash back apps. These handy tools allow Canadians to earn money back on their everyday purchases, from groceries to gas and everything in between.
This article highlights the 10 best cash back apps available in Canada. I’ll discuss how each app works, what types of purchases they cover, and how much you can potentially save.
KOHO
KOHO is a prepaid Mastercard and app that offers cash back on all purchases. Users earn up to 5% cash back on their spending, with higher rates at specific partners. KOHO can also round up your purchases and save the difference, helping you save money automatically.
In addition to the cash back features, you earn interest on your entire balance, and a welcome bonus when you first join. While it requires using their prepaid card, the universal cash back and additional financial tools make it a valuable app for many Canadians.
Learn more: KOHO review.
Rakuten (formerly Ebates)
Rakuten offers cash back for online and in-store shopping at partnered retailers. Users click through the app or website before making a purchase to earn cash back. Rakuten pays out quarterly via PayPal or cheque. The app also provides coupons and promo codes for additional savings. Rakuten is free to use and offers a sign-up bonus for new members.
Learn more: Rakuten review.
Checkout 51
Checkout 51 focuses on cashback on grocery and household items. Users browse weekly offers in the app, buy the products, and upload their receipts to earn cash back. Once they reach $20 in earnings, they can request a cheque. The app updates with new offers every Thursday, making planning your shopping around available deals easy.
Paymi
Paymi links to your credit and debit cards to automatically track your purchases and earn cash back. Users shop at partnered stores with their linked cards to earn rewards. Cash back is deposited directly into your Paymi account and can be transferred to your bank account once you reach $2. This app requires no receipt uploads, making it very convenient.
Caddle
Caddle offers cash back on grocery items and rewards for completing surveys and watching ads. Users browse offers, purchase products, and upload receipts to earn cash back. Caddle also sometimes offers cash back for online purchases. Payments are made via cheque or Paypal once you reach $20 in earnings.
Flashfood
Flashfood helps you save money on groceries while reducing food waste. The app shows discounted food items at grocery stores near you that are nearing their best-before date. While not traditional cash back, the significant discounts (often 50% or more) result in substantial savings. Users pay through the app and pick up their items at the store.
PC Optimum
While primarily a loyalty program, PC Optimum offers points that effectively work, such as cash back at Loblaws-owned stores and Esso gas stations. Users earn points on purchases, which can be redeemed for free groceries or other items. The app provides personalized offers to boost point earnings. PC Optimum points can add up quickly, especially if you shop frequently at participating stores.
Flipp
Flipp helps you find the best deals at your local stores and gives you cash back on select items. You can browse weekly flyers, clip digital coupons, and submit receipts for cashback offers.
Swagbucks
Swagbucks rewards you with points (called SB) for shopping online, answering surveys, watching videos, and more. You can redeem your SB for cash or gift cards to your favorite stores.
Eclipsa
Eclipsa focuses on cash back for online shopping. Users shop at partnered online retailers through the Eclipsa app or website to earn cash back. Once they reach $10, they can cash out their earnings via Paypal.
18 Fun Facts About Canada That Sound Made Up
18 Fun Facts About Canada That Sound Made Up
Canada’s Old Age Security Pension: 21 Facts You Should Know
