Cashback Apps
Free $200-1,000/year on shopping you do anyway.
Rakuten
FREEBrowser extension. Works at 3,500+ stores. 1-10% cashback.
Best overall.
Honey
FREEAuto-applies coupons + cashback. Owned by PayPal.
Best for coupons.
Ibotta
FREEGrocery rebates. Walmart, Target, Kroger.
Best for groceries.
Fetch Rewards
FREEScan ANY receipt. Earn points for gift cards.
Best receipt app.
Capital One Shopping
FREEDon't need Cap One card. Browser tool finds deals.
Best comparison.
How it works
- Sign up free (no credit card required).
- Use app/extension when shopping.
- Earn percentage back as cash.
- Quarterly check or PayPal.
- Cashback stacks with credit card rewards.
- Stack: Rakuten + credit card cashback + sale = 15-25% off.
Easy senior setup
- Install Rakuten browser extension.
- Pop-up reminds you when stores have cashback.
- Click "Activate" — done.
- Shop normally.
- Cashback shows up automatically.
- Quarterly check mailed or via PayPal.
Best apps by category
- Online shopping — Rakuten + Honey.
- Groceries — Ibotta + Fetch Rewards.
- Drugstore — Ibotta CVS/Walgreens.
- Travel — Rakuten on Booking.com, Hotels.com.
- Gas — Upside (free, $0.05-0.25/gal).
- Restaurant — Dosh, Drop apps.
Privacy + scams
- These apps see what you buy — opt out of data sharing.
- Don't link bank account if not needed.
- Skip if asks for SSN or bank PIN — RED FLAG.
- NEVER auto-pay through them — only earn cashback.
- Real cashback can take 30-90 days to credit.
- Report fake offers via app.
Best credit cards for seniors
Stack with credit cards: Costco Citi Visa — 4% gas, 3% restaurants/travel. Discover It — 5% rotating + 1% all. Bank of America Customized Cash — 3% choose category. Free + senior-friendly. Pay statement balance monthly to avoid interest.