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

Last updated Sept. 23, 2022 | By FinanceBuzz Editors
woman in holiday sweater shopping online

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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


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. 2

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. 3 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+ plan 5 when signing up, you can earn 2x stock rewards when you spend on eligible purchases! 6

Sign up for Stash now

See how much money you can get back from this account

We hate to tell you this, really. But if you aren’t using the Aspiration debit card, you’re missing out on extra cash with every purchase you make. Don’t worry though… it’s easy to fix.

There’s a debit card from a company called Aspiration, and they give you up to 10% cash back every time you swipe your card. Like when you’re…

Shopping for clothes? Yep… cash back.
Going to the pharmacy? Mhmmm. Cash back.
Getting groceries for the week? Yes, cash back!

It’s so simple. Who doesn’t want extra money? To see how much you could earn, just enter your email address and link your bank account 7 . By the way, Aspiration is free, your money is kept safe with military-level security, and your deposits won't fund fossil fuels.

See how much you could earn

  • Earn cash back rewards - up to 10% - when you spend with your debit card
  • Up to 5.00% APY interest (up to 83 times higher than Big Banks) 8
  • Unlimited fee-free withdrawals at 55,000+ ATMs
  • Deposits are FDIC insured