If you love earning money back on the things you already buy, cashback apps are one of the easiest ways to save more every month. In 2026, the US market is full of reward apps, but not all of them are trustworthy or worth your time. That’s why we created this clear and convincing guide to help you find the best cashback apps in the US that actually pay real money—not points you’ll never redeem.
This list is based on user reputation, payout speed, ease of use, and the value they offer. Whether you shop online, in-store, or buy groceries, these apps will genuinely help you earn more.
1. Rakuten – Best Overall Cashback App
Rakuten has been a trusted name for years, and it continues to be the top cashback app in the US. You can earn up to 40% cashback at major stores like Macy’s, Walmart, Best Buy, and more.
Why It’s Worth It
- Quick payouts via PayPal or check
- Automated browser extension for instant cashback
- Huge list of partnered brands
- Frequent bonus rewards for new users
If you regularly shop online, Rakuten is a must-have.
2. Ibotta – Best for Groceries
Ibotta started with grocery stores and still dominates the category. You earn cashback instantly on everyday purchases from Walmart, Kroger, Target, Safeway, and many more.
Top Features
- Cashback on groceries, household products, and pharmacy items
- Option to link your loyalty cards
- Bonus rewards through seasonal challenges
- Instant withdrawals through PayPal and gift cards
This app is perfect for families, students, and anyone who shops for essentials.
3. Fetch Rewards – Best Receipt-Scanning App
Fetch makes earning cashback extremely simple. You just scan your receipts, and you earn points that convert into real gift cards.
Why Users Love Fetch
- Works with any receipt (grocery, gas, restaurants, etc.)
- Fastest reward redemption in the category
- Huge choice of gift cards including Amazon, Target, and Starbucks
If you want effortless earnings, Fetch Rewards is the easiest option.
4. Upside – Best for Gas & Dining Cashback
Upside helps you earn cashback every time you fill your gas tank or eat at partner restaurants. Since fuel prices are always rising, this app is extremely useful.
Key Benefits
- High cashback rates on gas
- Works with major fuel brands like Shell and BP
- Restaurant cashback offers
- Direct transfer to PayPal or bank
Drivers and commuters can save hundreds every year with Upside.
5. PayPal Honey – Best for Automatic Savings
Formerly known as Honey, this PayPal-owned tool automatically finds coupons and offers cashback rewards while you shop online.
Best Features
- Automatically applies coupon codes
- Offers “Honey Gold” redeemable for gift cards
- Works with over 30,000 stores
- Free and lightweight browser extension
If you want hands-off savings, Honey is unbeatable.
6. Dosh – Best for Automatic Cashback on Card Purchases
Dosh is the only app that gives automatic cashback the moment you use your linked debit or credit card at participating merchants.
What Makes Dosh Unique
- No need to upload receipts
- Partnership with thousands of hotels and restaurants
- Fast payouts to PayPal or Venmo
People who prefer effortless rewards absolutely love Dosh.
How to Maximize Cashback Across These Apps
To earn more every month, use these strategies:
- Combine multiple cashback apps (e.g., Rakuten + Honey + Ibotta)
- Activate deals before shopping
- Scan every receipt
- Use a cashback credit card for double benefits
- Take advantage of signup bonuses
When used smartly, these apps easily help people save $300–$1200 per year.
Which App Should You Use?
If you want one powerful app, choose Rakuten because it consistently offers the highest overall cashback. When groceries are your main expense, Ibotta becomes the smartest option. For users who prefer effortless rewards, Fetch or Dosh delivers instant value without extra effort. Meanwhile, frequent drivers will benefit the most from Upside due to its strong gas and dining rewards. Overall, each of these cashback apps actually pays and maintains a trustworthy reputation, making them excellent choices for US users in 2026.
