Ever finished a shopping spree and thought, “Welp, there goes my budget”? Yeah, me too. But here’s a little secret: shopping doesn’t always have to be a one-way street where your money just vanishes. With a few clever hacks, you can actually earn money while you shop—no, really.
Whether you’re buying groceries, socks, or that weird-but-useful kitchen gadget at 2am (we’ve all been there), these cashback tricks can turn regular spending into sneaky savings. BTW – if you need a refresher on cashback, head here first.
Now, let’s dive in.
1. Stack Coupons Like a Boss
You know those promo codes that pop up in your inbox and disappear before you remember to use them? Time to give them a little love. Sites like RetailMeNot or browser extensions like Honey can automatically find and apply coupon codes at checkout.
Even better? Some stores let you use coupons and earn cashback. It’s like getting dessert with your dessert.
Pro tip: Follow your fave stores on social or sign up for emails with a burner account. Less inbox clutter, more deals.
2. Use a Cashback Credit Card (Wisely)
If you’re swiping anyway, you might as well be earning something for it. Cashback credit cards give you a percentage back every time you spend—groceries, gas, online orders, you name it.
Just one catch: if you carry a balance and get hit with interest, it kind of cancels out the whole “free money” thing. So, treat it like a debit card and pay it off monthly if you can.
Not sure which card to get? Look for ones with bonus categories (like 5% back on groceries or streaming) and zero annual fees.
3. Join Cashback Apps (Seriously, They’re Magic)
Apps like Ibotta, Rakuten, or Fetch basically hand you money for doing your regular shopping. You either click through their app before shopping or scan your receipt after the fact.
Spoiler alert: these apps are pretty great for lazy savings. Just make sure you don’t commit one of the dreaded cashback mistakes.
I once got a $25 gift card just from uploading receipts for things like cereal and paper towels. Like, what? I didn’t even change my shopping habits—I just started scanning.
4. Loyalty Programs = Freebies and Perks
If a store asks you to sign up for a rewards program, don’t immediately roll your eyes. Some of them are actually worth it. You get points, member-only discounts, and the occasional “we miss you, come back!” coupon.
Even better? Many programs let you double-dip—so you earn store rewards and cashback from a credit card or app.
Low effort. High return. We like.
5. Shop Through Cashback Websites
Bookmark this one: before you check out at your favorite online store, go through a cashback site like Rakuten or TopCashback. They’ll give you a cut of whatever you spend—usually a few percent, but sometimes more.
It’s basically a portal to free money. Like Narnia, but for deals.
Make it a habit: click through the cashback site, shop like normal, and boom—money back in your account a few weeks later. Easy peasy.
6. Don’t Ditch Your Receipts
I used to crumple up receipts like they were radioactive. But apps like Fetch and Ibotta will actually give you points (aka money) just for uploading them.
That trip to Target? Yep. Random gas station snacks? Also yes. You just take a photo of the receipt, earn points, and trade them in for gift cards. It’s kind of addictive in the best way.
Heads-up: Digital receipts work too—so if you shop online, you’re still in the game.
7. Share the Love, Get Rewarded
Almost all cashback apps and sites have referral programs. That means you can send your link to your mom, cousin, co-worker, or the group chat, and when they sign up, you both get a bonus.
It’s like a little pyramid scheme… except not sketchy and totally legal.
So next time someone says, “How do you always have Starbucks gift cards?” you can say, “Funny you ask…” and send them your link.
Final Thought
So there you have it—7 totally doable ways to earn while you spend. Try a few, try them all. Your bank account will thank you, your future self will high-five you, and hey, maybe that 2am kitchen gadget was worth it after all.
Got a cashback tip of your own? Drop it in the comments—I’m always down to learn new tricks. 💸
