If you’re looking for the best cash back apps or coupon apps in Canada? You’re in the right place.
Getting a portion of your expenses back is one of the proven ways of managing and improving your finances in Canada. Fortunately, cash back apps help you achieve just that without stress.
But with different types of cash back apps out there, you can expect a great deal of competition on the cash back rate, value and accessibility.
In this post, I discuss the best cash back apps in Canada including the best coupon apps that stand out from the crowd.
Understanding Cashback Apps in Canada and How they Work
Cash back apps are a platform through which you can make purchases and get a portion of your spending back.
The apps usually serve as a medium that connects shoppers with partner retail stores. This way, you can make both online and offline purchases through cash back apps the same way you do your regular purchase.
How is shopping through cash back apps different from regular shopping? It’s simple – The cash back rewards you get upon making an eligible purchase.
While different cash back apps have different redemption options, the common options include PayPal, gift cards, cheques, and charity donations.
To use a cash back app, all you need is to download the app or visit the app’s website and create an account. Once you sign-up, you can search for your favourite store through the app from which you will be redirected to the store to make your purchase.
After making a purchase, you will get the exact cash back amount that was tagged on that particular item on the cash back app.
And if you’re interested in taking advantage of the latest deals in your area, there are coupon apps available which I also discuss in this article.
Best Cash Back Apps in Canada
The following are the best cash back apps in Canada that have distinguished themselves with competitive rates, flexibility and accessibility.
1. Rakuten (Ebates)
- Reward: Up to 30%
- Best for: Welcome bonus
Rakuten is a multinational cash app founded in 2012 with over thousands of partner stores. The app had disbursed over $100 million to its users since its inception.
Through Rakuten, you can access up to 30% cash back for online and in-store purchases depending on the partner store or maerchant.
In addition, you will get a $40 bonus for each person you refer to Rakuten with your referral link and your referral also gets the same $40 bonus.
Rakuten makes disbursements quarterly for users that accumulate a minimum of $5.01 (excluding bonuses) earnings. You can receive your cashback through cheque, PayPal, or electronic Amazon gift certificates.
- Reward: Up to 13% cashback
- Best for: Welcome bonus
RebatesMe is a BBB accredited and A+ rated cash back app that has been around since 2013. Besides cash back, RebatesMe also offers access to competitive deals and discounts from more than 4,000 retail stores in the world.
As a multinational cash back app that operates in Canada, US, UK, Australia and other parts of the world, RebatesMe allows you to sign-up using your email address, Facebook account, Google or Apple account.
When you sign-up with this referral link or the referral code “S7G98N“, you will earn the current welcome bonus of $40.
For every person you refer to RebatesMe with your referral code, you will earn a $10 referral bonus while your referral gets a $5 bonus.
That said, you need to accumulate minimum cash back of $10 (excluding bonus) in order to redeem your earnings on RebatesMe.
Learn more: RebatesMe Referral Code
3. KOHO App
- Reward: Up to 2% cash back
- Monthly fee: $0 to 9 per month
- Best for: Prepaid card
KOHO is a popular finance app in Canada that has been around since 2014. As a fintech company, KOHO operates a bit differently than most of the cash back apps discussed here.
Unlike other cash back apps, you need to sign-up for the KOHO prepaid card to earn cash back through the app.
The KOHO prepaid Visa cards are in two tiers with different fees and cashback reward as you can see below:
|KOHO Prepaid Card||None||0.5%|
|KOHO Premium Prepaid Card||$9||Up to 2% plus 5% extra cashback at qualifying stores|
That said, you can use either the KOHO Prepaid or Premium Card to make online and in-store purchases at your favourite stores.
When you sign-up to the KOHO App with this referral link, you will get a $20 welcome bonus. You will also earn a $20 bonus per every person you refer to the app using your referral code up to a total of $1,000.
- Reward: $5+
- Best for: Cash back
Ampli is an RBC powdered cash app that has been around since 2018. Based in Toronto, Ampli partners with over 50 retail stores in Canada that offer competitive cash back on purchases.
Unlike KOHO and PC Money, you need to connect your cards to start shopping through Ampli. You can make purchases at your partner stores for free through Ampli.
Once your cash back reaches $15, you can redeem it for free through Interac e-Transfer.
The interesting part is that you will earn a $5 bonus for opening an Ampli account through this link and linking your credit or debit card. The same $5 bonus will be issued to you when you refer someone to Ampli through your unique referral code.
With over $2 million cash back disbursed to 290,000+ users, Ampli is one of the best cash back apps to consider in Canada.
Learn more: Ampli Promo Code
5. PC Money Account
- Reward: 10 points per every $1 purchase
- Best for: Reward points
Like the KOHO App, the PC Money Account is a digital account with a prepaid card that operates on the Mastercard network.
In addition to no monthly fees, the PC Money Account charges no fees for bill payment, Interac e-Transfers and PC Financial ATM withdrawals.
Instead, the app rewards you with 10 points (A.K.A PC Optimum points) for every dollar you spend online or in-store.
As of the time of writing, the app also offers a $200 value welcome bonus of 20,000 points for new users that make an initial deposit of $150.
Overall, how many rewards you get on a PC Money Account depends on the transactions and activities you make.
Learn more: PC Money Account Review
- Reward: Up to 10 points per purchase
- Best for: Multiple redemption options
MyPoints is one of the oldest cash back and free grocery coupon apps in Canada that has been around since 1996.
The app partners with some of the leading reward loyalty companies namely, Swagbucks and Tada.
With over 1,900 partner stores and shopping categories, you can make your favourite purchases on MyPoints and earn up to 10 points per purchase.
When you refer someone to MyPoints and they spend a minimum of $20 on eligible purchases, you will get 1,750 points. In addition, you will get a welcome bonus of $10.
What sets MyPoints apart from other apps is that it has multiple redemption options as you can withdraw your earnings through gift cards, online certificates, hotels, online stores, airlines, restaurants, etc.
- Reward: Up to 20%
- Best for: Groceries cashback
Tada is one of the partners of MyPoints that also offers access to competitive rewards on purchases.
This cash app partners with some of the popular brands out there including Amazon, Walmart, Target, eBay, Best Buy, Groupon and Expedia.
You can earn up to 20% cashback through Tada. And when you make your first purchase through the app, you will get a $10 bonus. Plus when you sign-up on the app, you will get a $20 welcome bonus, which is one of the highest in the industry.
Finally, you can redeem your Tada rewards through PayPal or gift cards at discount rates.
Unfortunately, Tada is not yet available in Canada. But if you shop in the US from Canada, it is definitely worth checking out.
8. Checkout 51
- Reward: Up to $20 cashback
- Best for: Gas savings
Checkout 51 has been one of the best cash back apps in Canada since its inception in 2013. Based in Toronto, this app has over a million Canadian users and three million American users.
That said, you can save on your gas purchases at over 5,000 partner gas stations on Checkout 51. The app updates it offers weekly and you can get up to $20 cash back on some offers.
Once your earnings reach $20, you can request for withdrawal and Check Out 51 mail you a cheque.
- Reward: Up to 45% cashback
- Best for: High cashback rate
GoCashBack is one of the best cash back apps in Canada in terms of high cash back rates. This app offers you free access to up to 45% cash back at partner stores.
Founded in 2014, GoCashBack partners with over 6,000 brands including eBay, Groupon, Sephora, SkinStore, Kiehl’s and Saks Fifth Avenue among others.
Unlike most cash back apps, GoCashBack also gives you the opportunity to add partner stores by copying and pasting their links to the app.
When you refer your friends and family to GoCashBack with your referral link, you will get a $5 bonus when they earn a minimum of $20 cash back. In addition, you will get a 5% bonus on all your referral’s first-year cashback earnings.
Once you accumulate a minimum earning of $20, you can request for withdrawal through cheque, PayPal or Alipay.
- Reward: Varies
- Best for: Flexible withdrawal
TopCashback is an American cash back app that’s also available for Canadian shoppers. The app partners with over 4,000 stores and has over 20 million members.
With multiple shopping categories, you can make your favourite purchases through TopCashback and get rewarded for that. Shop from fashion, tech, travel, food & drink, health & beauty, home & garden, fitness and market categories.
Like GoCashBack, TopCashback also gives you access to up to 45% cashback, almost half of the purchase price.
When you refer someone to the app through your referral code, you will get a $25 bonus once your referral earned their initial $10 cash back.
The interesting part is that this app doesn’t have a withdrawal threshold. This means you can withdraw your earnings at any time through PayPal, a gift card or a prepaid card.
Best Coupon Apps in Canada
Do you want to take advantage of top deals in Canada? The best coupon apps help you achieve that with convenience.
The following are some of the current best coupon apps in Canada you can access for free.
Best for grocery coupons
Swagbucks is both a cash back and coupon app with over 7,000 online retailers and over 15 million members.
Founded in 2008, Swagbucks gives you free access to some of the top deals in Canada, America and other parts of the world.
Through Swagbucks, you can browse and print grocery coupons for free and earn competitive cash back.
To stay up-to-date with the latest coupons in the market, you can install the Swagbucks browser extension known as SwagButton.
Currently, you can earn 50 SB points when you redeem a coupon code on Swagbucks and 1 SB point for printing up 3 coupons.
As a Wallet Bliss reader, you will earn up to 1,000 SB points (valued at $10) for signing up for Swagbucks through this link.
When you refer someone to the app with your referral code, you will get 10% of their lifetime earnings.
Best for deals finder
Flipp is our overall best coupon app in Canada for deal-finding. The app partners with over 2,000 retail stores and updates its collection of coupons weekly.
You can easily find the best coupon on Flipp through its website or the mobile app available on Google Playstore, App Store and Huawei AppGallery.
All you need is to enter your postal code and the app will automatically present the latest coupons in your area. You can then claim your favourite digital coupon and save on in-store purchases.
Best for digital retail flyers
Reebee is an Ontario-based coupon app that has been around since 2012. The app helps you find the latest digital flyers in your area to claim them right away.
With over 5 million Canadian shoppers, Reebee helps you save time and money shopping across different categories and different parts of Canada.
You can browse current and upcoming flyers through the Reebee web portal or mobile app available on Google Playstore and App Store.
Best for the latest coupon, deals and flyers
Save.ca is a Toronto-based coupon app that also helps you identify the latest coupons in your area at no cost.
As a division of Metroland Media Group Ltd, Save.ca is a one-stop shop for the latest coupons, deals and flyers in Canada. The app updates its listings weekly and allows you to print or have the coupons mailed to your home for free.
That said, you can access Save.ca on its web portal or mobile app available on Google Playstore and App Store.
Best for high-value coupons
Caddle is the last but not the least best coupon app on my list. This app also gives you free access to some of the latest coupons in Canada.
The app updates its listings weekly and you can currently earn hundreds of dollars cash back per coupon. This is one of the best cash back you can get from coupons in Canada.
You can browse deals on the Caddle web portal or mobile app available on Google Playstore and App Store.
Once you accumulate a minimum of $20 cashback, you can request withdrawal right away.
How to Choose the Best Cashback and Coupon Apps in Canada
From the above review, you can see how the best cash back and coupon apps differ in Canada.
As a result, it’s easy to get confused about the one that’s perfect for you. But that shouldn’t be the case.
When determining the best cash back or coupon app for you in Canada, consider the following factors:
- Reward rate: Whether you’re going with cashback or a point-based app, choose the one that offers access to high rewards.
- Reward value: High rewards without significant value is meaningless. Consider the overall value of the app and reward rate before signing up.
- Monthly fee: Paying monthly fees to access a cashback app will be counterproductive to the aim of earning cash back.
- Minimum withdrawal threshold: A cash back with no or low minimum withdrawal should be your priority.
Verdict on the Best Cash Back Apps in Canada
There you have the best cash back apps in Canada. And if you’re also looking for the best coupon apps in Canada, you have different options to choose from.
While you can’t make the wrong choice with any of these apps, I recommend you narrow your selection using the above tips.
But since most of the apps don’t have fees, you can sign-up for more than one app to maximize your earnings. The choice is yours to make!
Kindly let me know in the comment section the app you’re going with.