These days, money-saving cash back or incentive programs are widely available, and with good reason.

The Colloquy Loyalty Census Report states that cash back incentives were a major factor in the 15% increase in loyalty program membership to 3.8 billion in 2017.
Finding the top reward applications, however, may be challenging, particularly given the abundance of options.  Prepare to start earning some free money as I have compiled a complete list of the top shopping reward apps.
The Greatest Apps for Rewarding
1.  Freecash
I've been utilising Freecash, a new rewards network, for the past few months.  With more than 100 earning choices, it's essentially a discovery rewards platform.
To get started, simply provide your email address.  After there, you may make money by viewing videos, installing applications, purchasing online, and responding to surveys.
Since some of Freecash's shopping deals provide $50 to $100+ in cash back, I prefer them.  The real money games are also quite profitable.  To begin earning, simply download a few mobile games or complete few surveys after registering.

You may pay out directly to PayPal using Freecash.  More than a dozen gift cards and cryptocurrency are also up for grabs.
Begin making money with Freecash!
2.  EarnIn
Do you want your pay cheque to arrive sooner?  If so, EarnIn might be the app you need.

In order to receive their pay cheques earlier, users of this U.S. cash advance app can borrow up to $100 each day and $750 every pay period.  Additionally, it's a fantastic method to acquire quick cash for necessities like rent.
In order to access your past pay cheques, the app connects to your bank account.  After that, it establishes your borrowing limit, which you may gradually raise over time.
Because EarnIn doesn't need a credit check or charge interest, we enjoy it.  And when your pay cheque arrives, you simply repay your advance.  But bear in mind that in order to be eligible for EarnIn, you must have steady income.
3.  Upside
Upside, previously GetUpside, is another of the greatest incentive applications available at the moment, especially with petrol prices on the increase.

With the help of this app, you may get up to $0.25 per gallon of petrol at thousands of participating stations nationwide.  Additionally, you may receive cash back for purchases in grocery stores and restaurants.
This is how Upside operates:
   ●  Use the app to get a cash-back offer.
   ●  Pay for that offer and get your receipt
   ●  Submit the receipt through the app
   ●  Earn real cash back
You can redeem your cash back for PayPal cash as well as a variety of free gift cards to companies like Amazon.  And the greatest thing is that Upside works with 45,000+ brand locations nationally, including most major gas stations and numerous fast food outlets.
If you're weary of wasting on petrol and want to save more money, Upside is a nice incentive app to try out.
4.  Scrambly

Currently accessible in the US and Canada, Scrambly is a brand-new discovery rewards website and app.
Since I started using Scrambly a year ago, I have made over $400.  You may make money by playing games, installing new applications, buying, and registering for new goods and services.
To keep things fresh, the Scrambly staff constantly introduces new offerings.  Additionally, it just released a really awesome Android app.
I appreciate that you can pay out using PayPal for just $1.  Additionally, Scrambly offers a selection of gift cards.
5.  Learn about the Cashback Debit Card.
Okay, so this isn't an app.  However, it is a really simple method to earn up to $360 in free money year for regular purchases.
Introducing the Discover Cashback Debit Card, a fee-free debit card that offers 1% cash back on monthly purchases up to $3,000.

There are several reasons why we adore this card.  First of all, it allows you to automatically earn money for just making routine purchases.  Since this is a debit card rather than a credit card, it also has no effect on your credit score.
Discover also offers a tonne of other benefits.  There is a network of more than 60,000 fee-free ATMs that you may use, and you can get paid up to two days early.
Start using Discover to get cash back!
6.  Rocket Money
Are you sick of splurging and squandering money on pricey subscriptions?  The app for you would be Rocket Money.
You may automatically construct a budget that suits your needs with the aid of this all-in-one money software.  Additionally, by keeping track of your subscriptions and alerting you to ones you might want to cancel, it helps you save even more money.
The software also allows you to track your net worth and check your credit score.  However, upgrading to Rocket Money Premium unlocks the true power.
This is because even more budgeting options are available to Premium users.  Additionally, users may collaborate with Rocket Money's staff to have them speak with their cable, internet, and phone companies to bargain for reduced rates.
This is a passive method of increasing monthly savings.  We also appreciate that Rocket Money is a rewards program that prioritises saving and budgeting.
7.  Kashkick
You should look at Kashkick if you live in the US and would want to earn PayPal cash in your free time.

Completing quick surveys on this rewards website earns you money.  Additionally, it enables you to earn money by installing and finding new applications as well as playing real money games.
The fact that Kashkick pays you straight to PayPal when you make $10 is my favourite feature.  Additionally, it is among the gpt sites with the greatest rate of growth in the sector.
8. self
Self is a robust software and website that offers two strategies to quickly raise your credit score.
To begin with, Self offers a free service that notifies all three main credit bureaus of your timely rent and bill payments.  Additionally, this is a really easy (and cost-free) method to start raising your credit score right away.

Additionally, Self offers creative credit building loans.  In essence, this is a tiny installment loan that you pay into Self's partner bank on a regular basis.  When your loan period is up, you receive your money back after self-reporting these payments to credit bureaus.
Self has already helped more than 3.5 million customers improve or raise their credit ratings.  Members also receive a 49-point bump on average.  We also appreciate that you can get back on track with the support of both free and premium options.
9.  Swagbucks
You may earn money online using a variety of methods with Swagbucks, including surveys, gaming incentives, download offers, movies, and shopping rewards.
Amazon, Sephora, Macy's, RONA, Home Depot, Nike, and Roots are just a few of the many companies that are partners of Swagbucks.  Additionally, if you utilise Swagbucks Magic Receipt, a brand-new supermarket rewards area of the site, you may even get paid to scan barcodes.
All things considered, this is a really strong get-paid website with lots of freebies available if you're prepared to work for them!  Additionally, if you take advantage of the cash-back incentives, it's a practical method to get paid to shop.

10.  InboxDollars
Over the past few years, I've also utilised InboxDollars, another U.S. rewards website.
Similar to Swagbucks, this service allows you to earn money by completing shopping deals and uploading receipts.  In addition, there are games, paid surveys, and a generous $5 welcome gift for new users.

Additionally, there is no cost to sign up.  With PayPal funds or hundreds of gift cards from well-known stores, you may cash out for $10 to $15.  Additionally, if you enjoy the concept of InboxDollars, you may get another simple $5 bonus by visiting its sibling website, MyPoints.
11.  Ark7
Do you want to build your real estate portfolio and get passive income at the same time?  If so, Ark7 could be the ideal choice for you.
You may purchase shares of rental properties that generate revenue with this investing platform.  Additionally, it is very accessible and democratising real estate investing, with shares starting at $20.
We also adore Ark7 since it distributes monthly rental earnings distributions.  As a shareholder, you can purchase shares and start receiving consistent payments.
An active trading marketplace where you may sell shares is another feature that sets Ark7 apart.  In addition to allowing investors to sell their shares and profit from property appreciation, this helps guarantee liquidity.
Consider the T-3 property in Atlanta.  The initial price of this property was $20 per share.  But when it peaked at $35, investors were able to profit by more than 50%.
We also appreciate how the Ark7 staff routinely introduces fresh investment options and hand-screens properties.  To discover fascinating new investment ideas, peruse its marketplace right now.
12. Cash Giraffe 

Do you own an Android smartphone?  You should check out Cash Giraffe if that's the case.

You may get paid to play games using this fun app.  And if you play games on your phone once a week, it's our favourite reward app.
Downloading the free app is all you need to do.  After that, you select which games to download and play from your collection.
You get paid more the more you play.  Additionally, pay Giraffe allows you to pay out using free gift cards and PayPal funds.
Not using an Android device?  Don't worry!  Check out our list to the best iPhone money games available right now as well.
13.  Capital One Shopping 
Capital One Shopping is a must-try shopping extension if you live in the US and often buy online.  The next time you need to purchase online, this is actually one of the finest methods to save money at home.
Saving Money with Capital One Shopping
Coupon coupons are automatically applied at hundreds of US online retailers when you use Capital One Shopping.  You will save time by not having to search for discount codes yourself, and if the coupons are valid, the savings will be immediate.
Additionally, purchasing at specific partners might earn you shopping rewards.  Once you have $5 in credits, you may exchange them for a choice of free gift cards.  Additionally, you may save money when you shop on your phone by using the Capital One Shopping app.
Capital One Shopping can help you start saving money!
Note: When you register using the links given, Capital One Shopping pays us.
14.  Bridge Money

Similar to Pogo, Bridge Money is a brand-new rewards software in the US that allows you to receive passive benefits when you make purchases using connected cards.
Online surveys, cash games, sponsored shopping deals, and referral incentives are just a few of the many more ways to make money on the app.  And once you make $4, you may pay out to your bank account.
The majority of transactions pay between $0.02 and $0.20 in coins.  You may increase your account to a premium Earn+ membership to receive even more cashback when you spend, and the more active deals are more profitable.
Additionally, Bridge Money is launching a savings account with an amazing 5% annual percentage yield.  Additionally, this software is a must-have for every smartphone user who enjoys passive money.
15.  HealthyWage
Do you want to work out and lose weight in exchange for money?  The HealthyWage app is something you should try.

Setting and achieving a weight reduction target earns you money with our cutting-edge incentives program.  You bet on yourself to accomplish your objective.  If you succeed, you receive a financial reward for your efforts in addition to your wager back.
HealthyWage also offers competitions with prizes of up to $10,000.  Additionally, this app is a fun and motivating method to be paid while getting fitter.
To find out how much you could make, utilise HealthyWage's calculator.  If you'd want more information, check out our HealthyWage review.
16.  Bonus Bucks
Bonus Bucks is a brand-new and innovative rewards network that offers free gift cards.

Bonus Bucks allows you to do fast online activities and transactions in exchange for free gift cards.  Additionally, you may earn $750 in gift cards to well-known stores like Cash App, Sephora, Amazon, and Walmart.
You may be required to install applications, enrol in free trials, purchase online, and fill out surveys, among other duties.  Bonus Bucks electronically gives you your gift card reward so you may use it when you've completed enough transactions to reach a specific level.
17.  Shopkick
Another well-liked rewards program is Shopkick, which offers advantages for both in-person and online purchases.
In addition to earning "kicks" for purchasing associated products in-person or online, Shopkick users may also earn points for merely scanning things or entering stores.
Kicks may be exchanged for Amazon, Starbucks, Target, and Subway gift cards.  If you reside in the US, you can surely find a method to earn cash back with this app because Shopkick now has partnerships with over 250,000 retail establishments.
programs like Shopkick are ideal if you're looking for a combination of mystery shopping, cash back portals, and incentives programs.
Pro Tip: After earning your first kicks, use my promo code TOW to sign up for Shopkick and receive a $5 bonus!
18.  Rakuten
Rakuten is a well-known website and reward app that gives you cash back when you purchase at thousands of various partners.

You may often find offers ranging from 0.5% to 8% cash back, or even higher depending on the partner. It's essentially a huge cash-back shopping web.
Numerous retailers, like Amazon, Sephora, Groupon, Old Navy, Home Depot, Forever 21, and many more, have collaborated with Rakuten and provide items.
As long as you have at least $5 in your account—which is rather easy to accomplish with a few purchases—Rakuten rewards you every three months.
By recommending friends to Rakuten and making purchases from some of its partners, I have earned a total of $1,200.  For additional information, see my review of Rakuten.
You may use my referral code to register for Rakuten as well!  You'll assist me, and when new Rakuten members spend $30 or more within 90 days, they get a $30 sign-up incentive.
19.  Pogo
Pogo is one of the greatest reward programs available at the moment for passively earning PayPal cash.
Every time you shop and share your transaction information, this app gives you modest cash payments.  Simply register and add your cards to the Pogo app to start earning money each time you make a purchase.

Because Pogo is entirely passive—basically, you get paid for doing nothing—I enjoy it.  And it's a plus because you're making actual money.  Completing quick surveys is another way to increase your income.  You may cash out of Pogo for just $3, which is also a very low barrier.
20.  Fetch Retrieve

Fetch incentives is a free software for iOS and Android smartphones that scans receipts to provide incentives.  Although Fetch Rewards is limited to the US, it differs slightly from other incentive programs.
You see, Fetch Rewards rewards brand loyalty rather than store loyalty.  You receive points as long as associated brands appear on your receipts.  As long as you're in the US, it doesn't really matter where you shop.
Numerous well-known brands, such as Pepsi, Kraft, Heinz, Dove, and Taco Bell, are partners of Fetch Rewards.  Conveniently, the cash out minimum is $3.  Amazon, Target, Walmart, Dunkin' Doughnuts, and many more large stores provide gift cards.
21.  Drop

Drop is a user-friendly iOS and Android software that tries to "supercharge your credit and debit cards" while rewarding you for your purchases.  Additionally, if you frequently purchase on your phone, it's among the greatest incentive applications available.
Spending on active deals will earn you Drop Points; all you need to do is add your credit or debit cards to Drop.
Drop Points may be exchanged for a number of benefits, including gift cards to well-known stores like Amazon, Starbucks, and many more.  Users receive emails informing them of their pending incentives, and payouts occur very promptly.  Additionally, you may utilise the Drop app to earn money by playing video games and responding to brief marketing surveys.
I've earned about $50 from Drop so far without doing anything, so it's a worthwhile rewards app to give a try!
22.  NCP Mobile
NCP Mobile is a clever app that, like other well-known rewards apps, compensates you for expressing your thoughts about the goods you like.

The National Consumer Panel app, also known as NCP Mobile, is a rewards app that pays you to fill out brief questionnaires about your experience and upload information about the goods you purchase.
If you live in the US, you can download the app on both iOS and Android devices.  To start earning after becoming a member, simply scan and enter your daily purchases using the app's barcode scanner.
You can probably use this app to cash out a couple of $10 gift cards annually if you frequently scan products and complete surveys.

Final Thoughts

Unless you have a large shopping budget, none of the apps on this list will generate hundreds of dollars a month.  You might be shocked at how much you can make each year, though, if you use a handful of these well-known incentive programs.
Even totally passive incentive applications like Dosh or receipt scanning apps like Receipt Hog can have an impact over time, even if they may first appear pointless or unimportant.
You might as well give these apps a try as you will receive a few free gift cards each year if you use them!