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Cash back: the best money-saving apps in Canada

To the point There are several cash-back applications available to help you save money. Here's our selection of the best.

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With prices soaring in recent years, money-saving apps are a must-have opportunity for Canadians. Whether for grocery shopping, online or in-store, these coupon and cash-back applications turn every purchase into an opportunity to save.

This article presents the best cash-back apps available in Canada to help you maximize every dollar you spend.

Why use cash-back apps?

Where accumulating reward points can be time-consuming and complex in terms of understanding programs and converting points, and redeemable only after sufficient accumulation, cash-back applications prove more straightforward and more flexible.

You receive a direct monetary value to be recovered immediately or later. While we believe that reward points can be more advantageous, the cash-back option remains more accessible and can be complementary to points.

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How do cash-back applications work?

Cashback apps work in partnership with retailers and businesses. When you make a purchase from a partner retailer, the application awards you cash back, which is usually paid into your bank account or credit card. The amount can be released immediately or after a certain amount.

What types of cash back are available?

There are various types of cash back, including :

  • In Percentage: this discount is calculated as a percentage of the amount of your purchase. For example, if you earn 5% cash back on a $100 purchase, you’ll receive $5.
  • In fixed money: this discount is a fixed amount, regardless of the amount of your purchase. For example, if you earn a fixed $5 cash back on a $100 purchase, you will always receive $5.
  • In points: these points can be exchanged for products, services or cash.

How much money can you save with cash-back applications?

The amount of money you can save with cash back apps will depend on several factors, including:

  • The amount you spend: the more you spend, the more you can save.
  • Cash back offered by applications: some applications offer greater cash back than others.
  • Retail partners: if you often store at retail partners, you can earn more cash back.

The Best Cash Back Apps in Canada

Every dollar saved can make a difference, and cash-back apps have become essential tools for savvy consumers, especially in Canada.

Whether you do your weekly shopping at your supermarket, buy online, or store in boutiques, these apps can help you save money significantly. This article explores the best cash-back apps available to Canadians, offering practical solutions to maximize your savings on every purchase.

And of course, before making any purchases, make sure you use the right credit card to reap maximum rewards. Here are the best cards for cash back:

Save on grocery shopping

Before you head out to do your grocery shopping, many cash-back apps offer opportunities to save simply by scanning their receipts or purchasing specific products. Also, consider our gift card tip and use the right credit card at checkout.

One of the most useful free applications is Caddle. Scan qualifying receipts and earn cash back on everyday purchases and restaurant meals. Eclipsa also offers a wide selection of retail partners across Canada, both online and in-store.

Here are a few popular applications in this category:

Caddle Apple Store Google Play Offers cash back on groceries, as well as rewards for taking surveys and watching videos.
Checkout51 Apple Store Google Play Earn cash back by purchasing specific products listed on the app and uploading a photo of their receipt.
Eclipsa Apple Store Google Play Offers cash back on grocery purchases, but also rewards on online shopping, streaming, and dining out.
PC Optimum Apple Store Google Play Loblaw’s supermarket loyalty program offers points for specific purchases that can be redeemed for discounts on future purchases.
Flipp Apple Store Google Play It brings together flyers and coupons from major retailers, enabling users to find the best grocery deals.
FoodHero Apple Store Google Play Offers discounted products from a grocery store near you that can be purchased directly via the app, with the aim of reducing food waste.
Reebee Apple Store Google Play Flyer and coupon applications also offer the chance to earn cash back on certain products.
Toogoodtogo Apple Store Google Play Application designed to reduce food waste by offering bags of assorted products at discounted prices in stores near you.
Save.ca Apple Store Google Play View flyers and find coupons for a variety of products, including groceries. Create personalized shopping lists.
Walmart Apple Store Google Play Store with ease, including discounts and cash back.

In addition to these applications, our team has done the work of comparing prices and reward programs. Here are some helpful tips for saving money at the grocery store:

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Save on in-store purchases

When it comes to online stores, there are savings to be made, and it would be a shame not to take advantage of them. Some can be used both online and with your store tickets.

Do you know Paymi? This cash-back application is new to Canada (2022). As a CIBC partner, your eligible CIBC debit and credit cards will be automatically connected to your Paymi account. The application lets you take advantage of discounts at the following retail partners: Apple, Carter’s, Disney+, Decathlon, Indigo, La Senza, Reitmans, etc. Start earning cash back:

  1. Connect your credit or debit card
  2. Store online and earn points
  3. Redeem your points for cash via Interac transfer

A somewhat similar and well-known one is Great Canadian Rebates .

Finally, the Receipt Hog application is trendy. It’s interesting because it’s free, easy and available in Canada. Scan your receipts, earn points and redeem them for cash, gift cards or products. You must have accumulated enough points to redeem them. You’ll be able to scan your receipts from partner retailers online (Amazon, Best Buy, Cineplex, Netflix, Sephora, Spotify, Tim Hortons, Walmart, etc.) or in-store (Loblaws, Canadian Tire, Costco, Home Depot, Metro, Walmart, etc.).

Great Canadian Rebates Apple Store Google Play Earn cash back on online and in-store purchases, on streaming services and at restaurants.
Paymi Apple Store Google Play Rewards for in-store and online purchases from Paymi partner brands.
Receipt Hog Apple Store Google Play Earn cash back by scanning your receipts.
Shopkick Apple Store Google Play Rewards for in-store purchases. You can earn points by scanning products, making purchases and performing other activities, and redeem them for gift cards or products.

Save on online purchases

For online shopping, before you check out, make sure you’ve checked out these different applications. Some cash rebates can be generous, offering reward points or savings via coupons or special offers.

For example, Rakuten (formerly eBates) is one of the most popular cash-back applications in Canada. It offers a wide selection of retail partners, including online and in-store stores, streaming services and restaurants. Rakuten offers percentage cashback on your purchases, as well as fixed cashback and points rebates.

Also, the Goodshop Coupons app features a wide selection of retail partners from stores primarily online but also in-store, streaming services and restaurants. Goodshop offers percentage cashback on your purchases, as well as fixed cashback and points rebates. Goodshop’s retail partners in Canada include Amazon, Walmart, Best Buy, Sephora, Cineplex, Tim Hortons, Starbucks, Netflic and Spotify.

To supplement your passive income, some applications even offer you the chance to take part in paid surveys. These include Swagbucks and Pawns.app.

Here’s our pick:

Goodshop Coupons Google Play Earn coupons and cash back on online purchases mainly
Mr. Rebates Apple Store Google Play Earn cash back on online purchases and get paid via check, Amazon gift card or Paypal.
Rakuten Apple Store Google Play Earn cash back on online purchases from a wide variety of stores.
Swagbucks Apple Store Google Play Paid surveys with cash back or gift cards

Many other applications exist, sometimes with tempting registration offers. Some have lower ratings or fewer reviews, such as GoCashback, MaxRebates and TopCashBack. We recommend that you always read the reviews first, to simply avoid finding yourself facing cashback that won’t be honored.

Finally, apps are great, but keep an eye out for the following websites and articles that could help you save money or earn rewards points through their cash-back systems:

Bottom Line

Cashback apps are a simple and effective way to save money on your purchases. Coupled with credit cards and rewards points, you can quickly reduce your expenses, reach your financial goals, or earn extra money.

Each application has its advantages and disadvantages. Rakuten offers the widest selection of retail partners, while Shopkick focuses more on in-store shopping. Caddle is a good option for people who like to explore new online offers.

On another theme, if you love travel and apps, we’ve put together the best selection of apps for planning your trips: The best travel apps for travelers

Frequently Asked Questions

How can I save money with apps?

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FR

To save money with apps, several strategies can be adopted.

  • Mobile applications such as Moka automatically round up your purchases and put the difference in a savings account.
  • Use cash-back applications that refund a portion of your online purchases.
  • Consult store flyers on mobile applications to take advantage of exclusive offers and promotional products.
  • Responding to cash-back surveys

Finally, keep an eye on the balance of rewards you’ve accumulated on discount apps so you can use them at the right time and never lose them.

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Do I have to pay for cash-back applications?

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Most cash-back apps are free to download and use. However, some apps offer premium subscriptions with great excellent cash back or additional features.

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What's the most profitable money-making application?

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The profitability of a money-making application depends on several factors. For example, the frequency with which you respond to surveys or shop online will have an impact and may vary the cash back you receive. Also, the “most cost-effective” application varies according to individual needs and preferences. We recommend that you consult our list to find and compare the one that best suits your goals and abilities.

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How do I get paid with cashback apps?

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Most cash-back applications transfer your winnings to your bank account or credit card. Some applications also offer alternative payment options, such as gift cards or products.

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Are cash back app reviews good?

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Reviews for cash back apps are generally positive. Users appreciate the ability to save money easily and effortlessly. However, some users have reported problems with the applications, such as delays in the payment of winnings or refund problems. Only download applications with a high rating to avoid unpleasant surprises.

This post is also available in:
FR

This post is also available in: FR

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Audrey
Mother of two young children, pharmacist, travel hacker's wife and frequent traveller, Audrey shares her advices and destinations recommendations on milesopedia.

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