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11 Proven Ways to Get Cash Back When Shopping Online
Did you know that you can get money back on the stuff you buy? If you live in Canada or the USA, there are programs and services out there looking to give people cash-back when they shop.
Cashback programs are a great way to earn money by doing what you normally would online – shopping with your favorite retailers. When using cashback sites, you’re likely to be offered a percentage of cashback for making a purchase from a retailer. These will usually be companies that pay out rebates for their products or services and the cashback sites will be the middle-person in taking a percentage.
Investing in a cashback credit card is also great because it will double up on the savings and give you less hassle that comes with cutting endless coupons. If you’re a serious about saving money and making the most of your budget, it pays to have a cashback rewards card in your wallet. Of course, the question is which one to choose, and that largely depends on what you’re looking for. Some cards are clearly better than others, so I made a list of the top cashback credit cards I know.
This post is a roundup of some of the best options out there, how they work, and what you need to know to get started.

1. Credit card cashback

Earn cashback when you purchase online using your credit card. The followings are the credit cards with their cashback percentage and annual fees in Canada and USA:
Odyssey World Elite Mastercard offers lots of benefits for its consumers. They offer travel insurance for up to 60 consecutive days for you and your whole family, free wifi access worldwide with Boingo, and many more. You will also earn 3% in your purchases for groceries, 2% for restaurants, entertainment, and public transportation, and 1.5% for other investments. The annual fee is $130 and an interest rate of 19.9%.
I use mostly this credit card for my cashback on things like gas, groceries and travel tickets. I love this card the most because they offer travel insurance for me and my daughter everywhere we go for up to 60 consecutive days. I also get Free wifi access worldwide with Boingo, free access to airport lounge.. and many more.
A card for all Canadian. If you’re looking for a credit card to use for your everyday spending, then this card is perfect. The new Neo Card gives you cashback on every purchase at places you love and can be cashed out anytime. You can earn up to 5%+ cashback on everyday purchases at thousands of participating Neo partners and 1% at non Neo partners. It has no annual fee for your card, only interest rate between 19.99% and 24.99%. The best feature though is that you can boost your cashback rate to 3% when you subscribe to the rewards plan. That means if you spend $500/month with this card and upgrade to the rewards plan, you will earn an extra $15 in cashback per month. Because these plans are monthly, you will never be trapped into an annual fee and can change plans anytime.
Sign up using the link below to receive $25 cashback when you apply for the Neo Mastercard


BNC ECHO Cashback Mastercard On your regular purchases, receive cashback up to 1.5 %. For up to 90 days from the date of the new purchase, this card will protect your purchases from theft or damage. For the majority of things you buy with this credit card, you will also benefit from an extended warranty that gives you access to up to twice the manufacturer’s warranty. The annual fee for this card is 30$.

BMO Eclipse Visa Infinite Card rewards your everyday shopping and 5x on dining, gas, transit, and grocery purchases. It has an exclusive offer of 70,000 bonus BMO rewards points + $20 Genius Cash. On the first waive, the annual fee is $0.
Tangerine Money-Back Credit Card allows you to be in control of your rewards. You can earn up to 10% cashback on all purchases + $100 GeniusCash for no annual fee. It also has a 15% promotional cashback rate with a $150 value for a limited time. The balance transfer promotion rate is 1.95% for six months when transferred within 30 days of activating the card.
Open an account first applying to Tangerine Credit Card (Get $50 bonus when you use this Orange Key code 17295930S1)
SimplyCash Card from American Express provides a 1.25 % cashback on all purchases after the six-month promo period ends. In addition, it will give 4 % cashback in your first six months up to $200. They offer no annual fee and no limit on the cashback rewards you get. It provides $100,000 travel accident insurance and free purchase protection plan.
CIBC Dividend® Visa Infinite* Card has 4% cashback on eligible gas and groceries, 2% cashback on dining, bills, transportation, and 1% cashback on other purchases. The annual fee is $120 for the first year rebated and $30 for each additional card. The interest rate is 20.99% for purchases and 22.99% and 21.99% for cash.
The best is to compare and depend on your needs. Pay attention to the percentages you’ll earn cashback and the annual fees when looking for a cashback card.

2. Poshmark

Postmark is a largest social marketplace that allows you to sell your clothes directly to customers. It’s an easy way to earn cashback or buy what you want at a lower price. The marketplace is for people looking to earn extra cash in their spare time or expand their options while working from home.
Poshmark is available in both Canada and USA. It is known as a money-making application where you can earn money and bonuses from it.
When you download the app, you will receive a 15 $CAD Posh credit when using a referral code. It is only eligible for a new user, and it’s available in invite code via Poshmark. When you refer people to sign up with your code, you may receive an unlimited amount of free credit. You will receive a 15$ credit for each person you refer who makes their first purchase.
Sign up and receive 15$ bonus when you use my promo code LINHYBANH

3. Tangerine

Tangerine is a safe and secure bank in Canada that will help you save your money and even get cashback. It has no annual fee, plus it makes you earn an extra 10% back that up to 100$. You also get 1,000$ of your everyday purchases in your first 2 months.
Also, every family member or friend who successfully becomes a Tangerine client using your Orange Key will earn 50$. Each person you refer to will also make a 50$ bonus if and only if they open an account with an initial deposit of a minimum of 250$ within 60 days of becoming a client. On January 1st of every year, the annual referral cap renews.
Sign up and receive $50 bonus when you use this Orange Key code 17295930S1


4. Rakuten

Rakuten is a cashback site formerly known as Ebates. It’s the best-known service of its kind. It‘s simple and reliable in giving you money for purchasing through their website or even by using their browser extension. It will be good for everyone because Rakuten is free to use. So there are no hidden fees. 18 years or older, people can use Rakuten, and this cashback program works in both Canada and USA.
The service will put you in a win-win situation. The retailer will pay them a commission when consumers buy through this program. Then Rakuten share the commission with you in order to encourage you to purchase through them. You can definitely find your favorite brand since Rakuten has partnerships with over 750 retailers, including big names like Walmart, Amazon, Nordstrom, Target, Macy’s and Sephora. Consumers can earn from 1% to 30% cashback on whatever they buy using this website. Every 90 days, Rakuten lets you choose to get your cashback by back by check called the Big Fat Check (Miminum of 5.01$) or PayPal deposit. 
Rakuten will also send you a 10$ gift card if you make your first purchase with them. Moreover, it also does referral rewards like when you refer the website to your friends, and they purchase $30 or more, you will earn $30 on your cashback. 

5. Swagbucks

Swagbucks is an Internet search engine and, at the same time, a cashback website. It‘s a popular site that rewards members when they search the internet, shop online, answer surveys, play games and submit your grocery receipts. The company gives rewards with digital points called SB. You can redeem your cashback as low as 5$ in gift cards or 25$ in Paypal Cash. 
The site is easy to use, and the cashback options are very beneficial. They offer many ways to increase and earn points. It‘s a free website, so you don’t need to risk anything when joining. They have more than 1,500 retailers you can shop from, including Nike, Etsy, Walmart, and Sephora.
You can redeem SB points towards PayPal cash, prepaid cards, and gift cards and It’s available in Canada, U.S, and UK.
It takes only a few minutes to sign up and is completely free. Sign up and receive 10$ Bonus with your 1st purchase via Swagbucks shopping.

6. Drop

Drop is a Canadian cashback app that allows you to earn rewards automatically when you shop at your favourite stores like Amazon, Sephora, Lululemon, ASOS, Michael Kors, Disney+ and more. Drop is a free app that gives you cashback for the purchases you make on a daily basis, answer surveys and play games.
Help your family & friends earn money from their favorite shop by spreading the love. You’ll get 5,000 points every time you refer a friend to join Drop (for the first 10 friends you invite). This translates to a $5 payment for each referral, making it a generous referral programme. In order for you to earn referral rewards points, your friends must sign up and link their cards.
Drop is only available in us and canada. To redeem a $25 gift card for your favorite shop, you must have a minimum of 25 000 points.
I’m inviting you to join Drop, the free app that’s giving away millions in cash rewards every day! Use my code foswr to get $5 – no strings attached.
Drop reward cash back

7. Ampli

With this newest cashback app, you quickly get cashback on every online or in-store purchase. Ampli is a Canadian CashBack application that connects your cards and starts shopping in minutes. It offers top brands like Sephora, Adidas, Michaels, WestJet, Rexall, and more. You can use the app with your other cashback programs to maximize your earnings. Ampli can securely connect your Canadian credit and debit cards to the application. You can shop, and then you can get your cashback quickly. Pay with your in-store or connected cards online at any participating brand and automatically earn money.
This newly introduced application offers its members many ways to amplify their cashback. Members can earn cash on top of the rewards associated with any cards or other loyalty programs. Users who spend at Ampli brands with their RBC debit or credit cards will receive an additional 1% cashback. Moreover, you can also get 5$ using a referral code. Simply invite friends using your referral code, and you both will gain 5$ after your friend link their first bank account.
The cash out is free, and the cashback is transferred to your bank account via a free Interac e-Transfer. By downloading a free app like ampli, you can already boost your savings. Even more, it allows you to have extra cashback from many Canadian retailers. You can use Interac e-Transfer to transfer money to your checking account whenever your Ampli earnings total $15. It’s that easy, there’s no weeks of waiting for cheques in the mail!
Get $5 in free cash when you sign up and connect an account to Ampli. When you connect, you get cashback and so do I! Happy cash backing!

8. Koho

KOHO is a cashback website that gives free spending and saving accounts to earn instant cashback and interest. It has a free KOHO prepaid card reloadable Visa that gives you all spending power of a credit card without interest or fees. KOHO offers more than just cashback rewards, where members get access to a free budgeting app. The budgeting app has an automatic savings feature, price matching, and early payroll.
The KOHO works only in Canada. When you sign up to KOHO you will receive 20 $CAD as a welcome bonus to be part of it. You will have a reloadable prepaid card. The reloadable card lets you earn 0.5% on any purchases. You will pay your purchase using your card, and cashback is credited automatically to your balance. Users can quickly deposit funds from their bank accounts. The Interac e-Transfer and bill payments don’t cost any money in the KOHO app. There is no minimum payout, and your cashback can be withdrawn or used as payment for purchases. Members can receive up to 2% cashback if they decide to upgrade their accounts to a premium one.

9. Caddle

Caddle provides a free and secure data insights platform that makes you earn rewards and real cashback. The free cashback site and application started in 2015. You can earn money by watching ads, answering surveys, and shopping for brands you love. It also offers you cashback from your favorite stores by submitting your receipts after your in-store purchase.
Canada is the only place Caddle is available, so you cannot join this site from other countries.
Upon signing up to the site, you will earn a 1$ bonus after completing at least one task. Every week, the Caddle app features new offers to help you save on your grocery purchases. Cashback you earn will appear in your account within 24-72 hours, but you can only request a check when you reach 20$ or more.

It’s easy! You just need to create a new account and complete any activity – like taking Caddle’s Daily Survey! No purchase required.


10. TopCashback

TopCashback is a popular online cashback site that pays you to shop. It works well for online purchases at thousands of retailers and is available in the UK, U. S, and Canada. The cashback site has over 20 million members and started in 2005 with a partnership of more than 4,400 retailers including Nike, Puma, Adidas, Lacoste. TopCashback offers a cashback as high as 30%, where the average member earns about 345$ every year.
To be part of this site, you need to create an account and visit TopCashback before making an online purchase. After that, click on your preferred retailer to visit their site and place an order. Cashback will appear in your account within 7 days. You can easily withdraw your cashback in a many ways, including to your bank account, PayPal account, or as a gift card, which may come with a bonus of up to 5%.

11. Honey

Honey is a trustworthy and safe app that helps you earn cashback. A browser extension alerts you when coupons are available on over 40,000 sites. Upon browsing this little extension, you can save money at over 1 000 stores like Footlocker, Lego, Pandora Coach Outlet. The honey extension will tell you whenever any of the goods in your Drop List have a price change from various online merchants. It will also compare the things you like to buy and find you the best possible deal.
The extension works in the U. S, U. K, Canada, and Australia. You only need to install the Honey browser extension on Google Chrome or any other secure web browser to get started. Honey will find your coupons when you are shopping on a site that has coupons available, and it will directly apply to your cart. You will save money here by shopping with coupons available, free to use. On purchases that qualify, you can earn Honey Gold rewards points that, when you have earned 800 Gold, can be redeemed for a $10 gift card.
Remember that you also get cashback as Honey Gold whenever you purchase via the Honey app. 

Strategies To Maximise CashBack Rewards

If you’re already earning cashback from the sites listed above, then why not double it up?! There are many credit cards that offer cashback as a reward. You can combine a cashback program and earn using multiple sites for some cases. For example, you can use your Odyssey World Elite credit card (pays up to 3%) to purchase an offer available on Drop, Swagbucks, or Rakuten. There are also situations where you can submit the same receipt on both Caddle and Swagbucks. The browser extension would be a big help for you to get alerts when cashback is available.
There are many portals you can choose online that, whenever you shop, will give you cashback rewards. It’s great to shop online or in-store, knowing that you will earn cashback savings. The cashback sites listed here are all proven legitimate and safe. The rewards you will make will depend on what you buy, the cashback site you use, and its price. You can quickly get your earnings whenever you reach the minimum threshold.
Cashback shopping is a great way to ensure you are getting the best deal on all your purchases. The experience is simple, quick and easy to use. You can obtain cashback from shopping, dining out and more. You should use cashback programs as an additional way to save money when shopping online, not a main source of income. It only adds up if you shop online regularly and responsibly. To take advantage of these amazing opportunities, find the discounted sites that offer cashback for the products or services you use and enjoy this exciting shopping experience.
As I mentioned above, it’s important to always read the fine print. When it comes to cashback credit cards, it is vital that you do your due diligence before signing up for one. It is generally wise to avoid cashback cards if you are a greedy spender who will abuse the cashback rewards program. On the other hand, if you’re looking for a way to get some extra cash for your lifestyle and purchase habits, then sign up for a cashback card.
Cashback cards may not be for everyone, but they can definitely help you save money. You should be sure to take advantage of their multiple benefits and rewards points, so you can put cashback dollars in your pocket, the next time you make a purchase.


  • October 6, 2022

    Some great suggestions. The only one I use now is Rakuten but will check out others.

  • October 6, 2022

    I have worked with some cashbacks sites like Honey and Swagbucks but glad to learn some new ones you have recommended in this post like Koho and Caddle.

  • October 6, 2022

    Definitely, I’m going to try some of these apps. Our budget is getting tight and it is great to get some cash. Also, I guess I can educate myself about how to spend less and save more.

  • October 7, 2022

    Some great tips here, a few I didn’t know and I love cash back. Thanks for sharing!


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