Best Cashback Apps for Moms in 2025 (That Work)
Being a mom means juggling a million things, and budgeting smart is one of them. If you’re not using cashback apps, leave money on the table. Whether you’re buying groceries, ordering kids’ clothes, or snagging a Target run, these apps can help you earn cash back on your purchases.
Best Cashback Apps for Moms in 2025
Here’s a quick list of my favorites (with referral perks too!):
Best for Receipts & Brand Rewards: Fetch Rewards
If you’re constantly grabbing snacks, diapers, or baby formula, Fetch makes earning rewards ridiculously easy. Just snap a photo of your receipt and boom, points in your account.
But that’s just the start.
- Connect your accounts: Fetch can automatically pull eReceipts from stores like Amazon, Walmart, and Kroger, no photo needed. Perfect for busy moms who shop online.
- Bonus offers: Fetch features rotating brand-specific promos. Buy a participating product (like Huggies or Pepsi), scan your receipt, and score extra points.
- Pro tip: Stack Fetch with other cashback apps or digital coupons to boost your rewards.
- Redeem for gift cards at top stores like Amazon, Target, Starbucks, and Ulta, perfect for treating yourself or saving on family essentials.
Use my code 45GUE when you sign up to instantly earn 2,000 bonus points (that’s halfway to a $2 gift card!).
Best for Grocery Cashback: Ibotta
Ibotta is a go-to app for moms looking to save on weekly groceries. You can upload receipts or, in some cases, link your store loyalty accounts (like CVS or H-E-B) to automatically track purchases.
Heads up: For most stores, you’ll need to scan a physical receipt unless Ibotta gives you the option to connect your account.
Important note for Walmart shoppers: Walmart recently launched its own cashback program. If you activate an offer on both Ibotta and Walmart, you’ll only receive cashback through Walmart, not both, so choose wisely.
- Works with popular stores like Walmart, H-E-B, CVS, Target, and more.
- Payout is fast and flexible cash out via PayPal or choose a gift card from your favorite retailers.
Use my referral code EIJPKQY at sign-up to get a $5 welcome bonus after your first offer redemption!
Best for Online Shopping: Rakuten
Rakuten makes it ridiculously easy to earn cashback on everything from clothes and beauty to hotel bookings and school supplies. Shop through the app or browser extension at 3,000+ stores and you’ll earn a percentage back, no receipts required.
Bonus tip: Link your debit or credit card to earn cashback on in-store purchases at select retailers. Just activate the offer in the app before you shop, or it won’t track.
- Works with popular brands like Old Navy, Sephora, Macy’s, Target, and more.
- Payouts are sent quarterly via PayPal or check, but your balance must hit $10 or more to receive payment.
Click here to sign up for Rakuten and get a $30 bonus after your first qualifying purchase!
Best for Coupon Stacking & Sale Alerts: BeFrugal
BeFrugal is a hidden gem for moms who love stacking savings without the extra effort. You’ll get cashback and promo codes at stores you already shop from, including family favorites like Target, CVS, and Walgreens.
- My favorite part? BeFrugal sends sale alert emails, so I can quickly grab laundry detergent and toilet paper deals before they’re gone. It’s been a total game-changer for my Walgreens and CVS runs.
- It’s also great for travel bookings and larger purchases where cashback really adds up.
- Payout options are quick and flexible cash out via PayPal, direct deposit, or gift card.
Click here to sign up for BeFrugal and earn a $10 bonus once you get $10 in cashback!
Best for Instant Coupon Finds: RetailMeNot
RetailMeNot is a go-to app for moms who love saving money, whether you’re shopping online or in-store. Whether you’re grabbing something last-minute or doing a quick Target run, this app has your back.
- What I love: When you shop online, the app automatically finds available promo codes for the site you’re on, helping you score cashback and discounts in one go.
- Works with top stores like Kohl’s, Macy’s, Ulta, and more.
- Sends real-time deal alerts, so you never miss out on time-sensitive savings.
Click here to try RetailMeNot and start stacking savings!
Best for Price Tracking + Cashback: Price.com
Price.com is like your smart shopping assistant, perfect for busy moms who don’t have time to check a dozen tabs before making a purchase. It automatically compares prices across multiple sites while you shop, helping you score the best deal and earn cashback.
- My favorite feature: When browsing on a desktop, you’ll get pop-up notifications showing if another site has the same item for less. It’s saved me plenty on everything from household staples to kids’ essentials.
- Heads up: Some listings may include third-party sellers (like eBay), so always double-check the seller’s reputation and return policy before purchasing.
- Works with major retailers like Amazon, Walmart, Target, and more.
- Bonus: You can set price drop alerts and track savings over time.
Click here to sign up with my referral link and get $10 after earning your first $10 in cashback! Plus, if you love it, refer friends, you’ll earn $30 for every referral once they reach their first $10 in cashback too!
Best for Highest Payout Rates: TopCashback
If you’re all about maximizing your earnings, TopCashback regularly offers some of the highest cash back percentages, especially during holidays, significant sale events, or back-to-school promos.
- Extra perk: They also offer coupon codes you can stack with cashback to save even more on everyday purchases.
- Works with thousands of partner stores across clothing, home goods, beauty, and tech.
- Pro tip: Cashback rates vary by category; for example, beauty or tech may offer higher percentages than groceries. Keep an eye out to shop smart and stretch your rewards.
- Bonus: If you spot a higher rate on another cashback site, TopCashback lets you file a claim to match or beat it.
- Payout options include PayPal, gift cards, or direct deposit, your choice.
Sign up using my link and get a welcome bonus when you start earning!
FAQs – Top Cashback Apps for Busy Moms
Are cashback apps really worth it?
Yes! Most moms save between $10 and $50/month just by scanning receipts or clicking through shopping links. It adds up quickly—especially with grocery and kids’ purchases.
Can I use more than one cashback app at the same time?
Absolutely. Many moms stack apps like Fetch and Ibotta for the same receipt, or use Rakuten and BeFrugal together for online shopping. Just check the app terms so you don’t miss out.
Do cashback apps cost money?
Nope. All of the apps listed here are free to download and use. You just earn money back from purchases you’re already making.
Which cashback app pays the fastest?
Fetch Rewards and Rakuten are two of the fastest in my experience—Rakuten pays quarterly, while Fetch lets you redeem gift cards once you hit the points threshold.
Is it safe to link store accounts or PayPal?
Most top cashback apps (like Ibotta and Rakuten) use encrypted connections and secure systems. Just be sure to download the official apps and avoid sketchy websites.
Final Thoughts
If you’re going to spend money anyway, why not make some of it back?
Whether you’re shopping for groceries, school supplies, or treating yourself to a little online retail therapy, these cashback apps help you stretch your budget without sacrificing your time. I personally use a mix of them depending on where I’m shopping and what I need.
Pro mom tip: I love using these apps on my desktop, when I visit a store’s website, each cashback offer pops up automatically, and I simply go with the one offering the highest rate. No extra searching, no guesswork, just easy money back.
Start with one or two apps, get comfortable, and add more as you go. Most of them play nicely together, and once you find your rhythm, the savings feel effortless.
If you’re looking to save even more at home, check out my post on budget grocery list tips and how to avoid the lifestyle inflation trap because every dollar saved (or earned back) adds up fast.
Want more easy ways to save on everyday essentials? Join my circle to access the Curly Mama Freebie Library, packed with printables, planners, and guides that simplify mom life one smart habit at a time.
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