Earn More with Cash Back Apps

cash back apps for shopping

~ This article may contain affiliate links. I only suggest product or services I believe will benefit my readers. All opinions are 100% mine! ~

Here’s a recent conversation at our house…

Husband: (oozing with sarcasm) Wow! What are we going to do with those 10’s of dollars you made this month from your cash back sites?

Me:(insert slow eye roll)(tribute to Tina Fey 🙂

Has this happened to you?!

You earn swagbucks, kicks, ebates, Ibotta dollars, points, survey money, etc. and it maybe it adds up to $20 – $30. If you save that each month through out the year you could save a couple hundred dollars. Not to shabby, especially when it comes to birthday or Christmas shopping.

RELATED: How to Earn $1000 per Month Online


But what if you could earn more with cash back apps for shopping?

Referrals: Did you know almost every service has a referral program?! All you have to do is share your referral code with family members, friends, co-workers, basically any one who could use the service you are sharing. You can earn extra cash or points when that person joins and completes a task (ex. earning swagbucks or kicks, etc.)

Maybe you feel uncomfortable referring people to a service, but if you really like the service and believe everyone should at least try it then you should definitely share! Some referral programs even give points to the new member plus a referral incentive for you.

How does it work?

Let’s do a little scenario with my FAVORITE ways to save money using Swagbucks, Ebates, Shopkick, Ibotta, and Digit.

Over the next year, you get 100 friends to join your quest for saving cash by referring them to these 5 sites to earn big!

Maybe you’re thinking where am I going to get 100 friends? Most of these apps or programs have made it SUPER easy to share via Facebook, twitter, email, or text. I’m guessing you have at least 100 Facebook friends and probably even more!

So how much can you earn from referrals?


Shopkick is my favorite new app right now! You can earn points just for walking into stores.

Sometimes just to get the energy out we walk around the mall and earn 90 kicks for walking past stores!

If you’re feeling more ambitious, then you can actually scan items in the store to earn more kicks. Some items earn extra kicks if you buy them and scan your receipt.


Earn 250 kicks for each person you refer up to 25,000 kicks…refer 100 people and earn a $100 gift card to Target, Walmart, etc

Find your referral code.

Open your shopkick app and click on the little person icon in the left hand corner.

Scroll to “invite + get kicks”

Then click details at the top under “Earn up to 25,000 kicks.”

Refer 100 friends: $100 gift card

Not a member yet, sign up for Shopkick here.


Ibotta is a way to earn cash when you grocery shop. You can check your app before you head to the store to see what items offer cash back. For example, if you are shopping at Kroger you might find a deal for Milk (any brand) for $0.25. You can get the reward by watching a very short video or answering a question.

Once you have chosen all your products that you plan to purchase, then you go grocery shopping. As you’re unloading your groceries just scan and verify each item on your Ibotta list and take a picture for your receipt.


Use your referral code to earn $5 for each referral you sign up! Each person who signs up and redeems their first rebate will get $10 and you will earn $5! Win-Win!

Pay out is cash via PayPal or Venmo with a $20 minimum. Or a wide selection of gift cards to places like Target, Gap, and Amazon just to name a few.

Find your referral code 

Go to menu (click the 3 white lines) in the top left-hand corner of when you open the app. Then scroll to “invite friends”. You can invite friends via Facebook, twitter, text, email and more.

Refer 100 friends: $500

Not a member yet, sign up for Ibotta here.


You can earn Swagbucks by taking surveys, using the search engine, watching Swagbucks TV, and entering special codes from Swagbucks social media sites. You turn your Swagbucks into giftcards at places like Amazon or Target!


Swagbucks has a great referral program! Anyone that signs up through your referral link, you get to earn the same amount of Swagbucks they earn! So let’s say Suzy signs up under me and she earns 500 Swagbucks this month. That means that you earn 500 Swagbucks on top of your own Swagbucks earnings!

Find your referral code.

On the Swagbucks.com Homepage click on the “Refer & Earn” tab located near the top of the page.

Then you will have three ways to invite others:

  1. Enter a message to send an Email
  2. Post you Referral Link on Social Media like Facebook or Twitter
  3. Your Referral link will be displayed on the page. You can share your referral link anywhere

Refer friends: unlimited amount of Swagbucks you can earn to turn into gift cards! (my favorites…Amazon and Target)

Not a member yet, sign up for Swagbucks here.


Ebates is an online way to earn cash back by shopping through them to your favorite stores. You can earn cash back on stores like Walmart, Amazon, Target, and more!


Refer-a-friend and earn $5 and your friend earns $10! Ebates will pay you for every new member you refer to our site who then shops at our partner merchant sites.

Ebates will often run deals where you can earn additional bonuses like you see in the chart. If you refer 1 friend you earn $5 plus a bonus $20 total $25. So let’s say you refer 100 friends you earn $500 plus a $1500 bonus total $2000!

Find your referral code.

On the homepage menu, click “Refer & Earn.” Scroll down and you will be able to send emails or get your personal link to share on social media.

Refer 100 friends: $2000

Not a member yet, sign up for Ebates with my code and receive a FREE $10 gift card just for joining!



Ok, Digit isn’t a cash back app, but it is an awesome way to save money. And it has a great referral program! Digit is an easy and painless way to save money by taking extra money from your checking account and moving it to your savings account. It’s basically a virtual way to save up your pennies. This is a FREE service and an almost effortless way to save money.


You earn $5 for every person who uses your referral link to sign up and activate their Digit savings account.

Find your referral code.

Once you’ve signed up simply just send a text to Digit with the word “refer.” They will send back your referral link you can share with anyone!

Refer 100 friends: $500

Not a member yet, sign up for Digit here.

Possible Referral Earnings

So how much can you earn with cashback sites using referrals? You could easily make $3100+ (cash and gift cards) just for sharing apps that you love to use! Here’s the thing, most apps have a limit to how much you can earn through referrals. Ebates and Swagbucks are the two best ways to continue

Here’s the thing, most apps or cash back sites have a limit to how much you can earn through referrals. Ebates and Swagbucks are the two best ways to continue earning with referrals.

A couple of tips when sharing…

  • Be honest! Only share apps or products that you really do love. This makes it easy to share and earn points. You really will be helping friends out with valuable ways to save.
  • Help your friends earn referral rewards by showing them how to share.

Do you use cash back sites? What’s your favorite way to save? Do you take advantage of referrals?

Looking for other ways to earn side income?

  • Start a blog! You CAN make money by starting a blog! I am just starting my blogging journey and you can follow along as I grow my blog on my Monthly Goals Page. Find out How to Start a Blog  and follow my Bluehost Guide tutorial on how to get set up. Starting a blog is VERY inexpensive you can get started for as little as $3.49 a month. If you sign up through me you will also get a FREE domain name! It’s really a great deal!
  • Sign up for Ebates where you earn CASH back on your online shopping. The service is FREE and when you sign up through my link you will get a FREE $10 gift card to Walmart, Target, or Khol’s!
  • Teach English to Chinese students online! I teach with VIP Kid and I love it. This is a very flexible job that I can do while my kids are sleeping and I can set my own schedule.
  • Make money with surveys. These are my favorite survey sites that pay with Paypal Pinecone Research, Mintvine, Harris Poll, Toluna, Ipsos Panel, Survey Savvy, YouGov, My Survey, Opinion Outpost, Vindale Research
  • Download Apps to your phone that can help you earn money! There are so many options: Ibotta, Swagbucks, Dietbet, Checkout51, and Pal fish just to name a few. Read “Make Money with Your Smart Phone” for more apps to make you money!
  • Sign up for Ebates where you can earn CASH BACK! The service is FREE and you can get a $10 gift card to Macy’s, Walmart, Target, or Khol’s if you sign up with me here.
  • Become a Freelancer with 30 Days to Freelance Writing Success
  • Become a Virtual Assistant with 30 Days to Virtual Assistant Success
  • Start a business. See 50+ Ways to Earn Extra Income
  • Eat at Home. We just joined $5 Meal Plan to help me overcome the stress of feeding a family of 5 at home for every meal! It’s only $5 a month and you get meal plans sent to your inbox with your shopping list created (which is half the battle!) This will save you time on meal planning, and make grocery shopping even more convenient and order online through Walmart’s Grocery Pick-Up. Order your food online and avoid the temptation to through extra food in the shopping cart. You can monitor your bill as you shop online. And the best part Walmart’s Grocery Pick-Up is FREE and super convenient.
  • Work a flexible part-time job online with Leapforce. I love working for Leapforce. I log into my account when I have time and work on projects. It’s super flexible and I always have work available. You can read more on Working for Leapforce.

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