Best cashback apps for online shopping
On Wall Street, I learned one rule: every percentage point matters. In trading, it’s alpha; in shopping, it’s cashback. With U.S. e-commerce sales projected to reach $1.7 trillion by 2027 (Statista), even a 5–10% cashback rate compounds into thousands in savings. Here are the top apps turning everyday purchases into investment-grade returns.
1. Rakuten
- Partners with 3,500+ stores (Amazon, Macy’s, Walmart).
- Offers up to 10% cashback.
- Has paid users over $2 billion since launch.
2. Ibotta
- Works with both online and in-store purchases.
- Users earn an average of $150+ cashback annually.
- Partnered with 2,700 retailers and grocery chains.
3. Honey (by PayPal)
- Auto-applies coupons + offers cashback through “Honey Gold.”
- Works across 30,000+ sites.
- Average user saves $126 per year just by installing the extension.
4. Dosh
- Automatic cashback when you link your card.
- No scanning receipts; money is credited instantly.
- Offers up to 10% back at restaurants, travel, and retail.
5. TopCashback
- Known for the highest payout rates among cashback apps.
- Partners with 7,000+ brands globally.
- Users report saving $450 annually on average.
Final Word
On Wall Street, I chased basis points that moved billions. In your life, cashback apps are the same principle at retail scale. Small percentages add up. Install the right apps, and you’re not just shopping — you’re compounding wealth with every purchase.
