7 Dead Simple Ways to Earn Cash Back and Save Money When You Shop

Last updated Dec 10, 2020 | By FinanceBuzz Editors
woman in holiday sweater shopping online

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

The holiday season brings with it fancy gifts, delicious meals, and sparkling decorations – all of which can mean a hefty hit to your wallet.

But did you know you might be losing money every time you shop this holiday season?

Lucky for you, there are apps out there to help you earn cash back and other rewards with every purchase you make… and if you’re not using them, you might be missing out big time.

From finding you the best deals and promo codes across the web to getting cash back and earning free gift cards, these 7 apps put money back in your wallet this holiday season.

Turn a photo of your receipt into an Amazon gift card

Every time you spend money at major retailers this holiday season — whether you’re buying groceries, gifts, or decor — there’s an app that lets you earn gift cards from pictures of your receipts.

All you need is your phone and the Fetch app. After you're done shopping, just snap a photo of your receipt. Your photo earns points. Then you can redeem those points for gift cards at popular stores like Amazon, Target, and Home Depot. 

Shopping online? No problem. Fetch works with eReceipts too!

BONUS: You'll get 2,000 points bonus when you enter this referral code: BUZZ before you scan your first receipt.

Sign up for Fetch today

Get cash back for your shopping (and a $20 bonus)

Whether you do your holiday shopping online or in person this year, now you can get real cash back on many of the things you buy.

Ibotta pays you real money on your everyday purchases like pet supplies, groceries, and clothing. Download their free app to receive offers and earn cash back at hundreds of retailers like Walmart, Target, Petco, and grocery stores.

Ibotta has paid out over $600 million in cash rewards to more than 35 million users since its founding in 2012.

BONUS: Sign up now and get a $20 welcome bonus for using the app!

Sign up for Ibotta

Stop overpaying when you shop online

Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.

Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, they will automatically add the best coupon code in their extensive database to help you save cash. And before you check out at favorite stores like Amazon, Target, Home Depot, and Best Buy, Capital One Shopping will notify you with a friendly pop-up if the item you're buying is available cheaper somewhere else.

Capital One Shopping is free to use and will never show you ads. Add it today and stop overpaying!2

Get Capital One Shopping now

This app scans 25+ popular stores to help you get money back on purchases 

Stores like Target, Costco, and Best Buy are slashing prices on all kinds of products every day — like that beautiful new desk for your WFH office, or the scratch tower you got for your feisty lil’ cats — and if you don’t watch closely, you could be missing out on *huge* savings when prices nosedive.

The good news? A ton of retailers have refund policies that can put money right back in your wallet when prices drop — you just have to know where to look. Well… look no further than Paribus.

Paribus scans your email for receipts from your online purchases at over 25 major retailers. Then, with its *fancy* algorithm, it hunts for price drops at eligible stores to help you get cash back if there’s a difference. They’ll even track late deliveries from Amazon and try to get you money back for that, too!

It’s 100% free, takes less than 2 minutes to set up, and you could be saving money before the day is even over.1

Get Paribus now 

Get $5 to start investing today and earn stock on your purchases

Looking for another way to earn money on your purchases this holiday season? Look no further than Stash.3

Stash was built to help beginning investors get started, and now it’s even easier with their Stock-Back Rewards® program. Every time you make an eligible purchase (at over 11 million U.S. retailers) with your Stash Debit card you get rewards in the form of a fractional share of stock.7 That stock may grow over time, putting even more money in your wallet. 

As a bonus, Stash will give you $5 to invest after you deposit $5 or more into your personal portfolio.4

Want even more tools and guidance? If you choose the Stash+ plan5 when signing up, you can earn 2x stock rewards when you spend on eligible purchases!8

Sign up for Stash now

Get a $150 bonus and cash back on your debit card purchases

The Aspiration Spend & Save account offers a promotional bonus and some amazing ongoing benefits.

It's simple to earn this bonus. For a limited time, you can get a $150 bonus for opening a new debit card — just open an account then use your Aspiration debit card to make at least $1,000 in purchases within the first 60 days.6

You can also earn cash back on debit card purchases and up to 1.00% APY on your savings to help you grow your money.9 You'll have access to fee-free withdrawals from a network of 55,000+ Allpoint ATMs and the monthly fee is up to you — pay whatever you think is fair.

Sign up with Aspiration now

  • Earn cash back rewards - up to 10% - when you spend with your debit card
  • Get $150 bonus when you spend $1000 in the first 60 days
  • Up to 1.00% APY interest (up to 25 times higher than Big Banks)
  • Unlimited fee-free withdrawals at 55,000+ ATMs
  • Deposits are FDIC insured

Author Details

FinanceBuzz Editors The editors at FinanceBuzz are a team of personal finance professionals dedicated to providing readers with accurate, helpful advice.