How to Use Your Cellphone to Get Cash Back

Mobile phones are good for many things. You can use them to stay connected with friends, manage your finances, to pay bills, and even to find your dream house. But did you also know that your cellphone can help you to make money? By downloading cash back apps, your cellphone can help you to make hundreds of dollars throughout the year.

How to Use Your Cellphone to Get Cash Back

Want to learn more? Keep reading for the inside scoop on how you can use your cellphone to get cash back.

Cash Back Apps

One of the best ways to get the most out of your hard earned dollars is to spend in a way that gives you the most return. There are many ways to stretch your dollar even further. For example, you could use coupons or rebates to save money on your purchases. Another way to get the most return is to use cashback apps.

With cash back apps, you’re rewarded each time you shop. These apps allow you to earn cash back when you make purchases at certain stores, or even when you eat at certain restaurants.

What’s nice about cash back apps is that they’re pretty effortless to use. Some apps simply require you to connect your credit and/or debit cards while others require you to activate an offer and then provide proof of purchase.

Top Cash Back Apps

So which cash back apps should you consider using? There are many to choose from but some are more worthwhile than others.


Dosh is a mobile-only app that tracks your spending and gives you cash back if you make purchases at a participating retailer or restaurant. Using this app you can also earn cash back by booking hotel rooms.

What’s really nice about Dosh is that once you sign up and link your credit/debit card, you’re done! This app is entirely passive. Because the app is able to track where you spend your money, it’s able to automatically credit cash back to your Dosh account.

You can compound your savings by linking a credit card that offers cash rewards. Depending on your credit card’s rewards program, you could save more than 10% on some purchases!

Worried about linking your card information to a mobile app? Want to learn more about Dosh? Check out a recent Dosh review to see what users are saying about the app.


If you’re looking for another way to earn cash back on your everyday purchases, Drop is another app to consider downloading. With Drop, you link your debit and credit cards to the app. As you make qualifying purchases, you earn points that can be redeemed for gift cards. Every 1,000 points you earn is worth $1.

While this isn’t a lot of money, it’s at least money that you’re earning for purchases that you’re already making. When signing up for Drop you’ve able to choose five stores to earn points at. Be sure to choose places that you routinely purchase from so that you can earn the most cash back.


Grocery shopping is quite expensive these days and couponing can be time-consuming. Instead of paying full price for your groceries, download Ibotta and start earning cash back today. Similarly to other cash back apps, Ibotta allows users to earn cash back by making purchases at local retailers. Ibotta mostly offers cash back at grocery stores, though other retailers are available.

One of the biggest differences with Ibotta is that it doesn’t connect to your debit or credit card. With this app, you have to take a picture of your receipt and upload it so that your purchase can be verified. Ibotta also allows users to link their loyalty rewards card inside of the app, which allows your purchases to be tracked automatically.

After finding applicable cash back offers on Ibotta, you’ll need to activate the offer and then complete the follow-on task. Some offers require you to watch a short video while others ask you to view an ad.

Once the offer is activated, you can go shopping! Remember to save your receipt if you haven’t linked your store loyalty/rewards card.

Are Cash Back Apps Safe?

Despite the convenience, flexibility, and money-earning possibilities, many people are unsure of these apps because of the amount of personal and financial data that must be provided. But, users can rest assured that today’s most popular cash back apps are well secured against hackers and other malicious actors.

For example, Dosh uses multi-factor authentication and 256-bit encryption in order to keep your personal information protected. The app also doesn’t store any credit or banking information and it never sells your data to third parties.


Your cellphone is good for all sorts of things. Make the most out of your mobile device by downloading a cash back app to get rewarded for spending money on things you need to purchase.

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