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 always grabbing snacks, diapers, or baby formula on the go, 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. This is perfect for busy moms who shop online.
- Bonus offers: Fetch features rotating brand-specific promotions. 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 for a reward boost.
- Redeem for gift cards at top stores like Amazon, Target, Starbucks, and Ulta—perfect for treating yourself or saving on the 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 physical receipts or, in some cases, link your store loyalty accounts (like CVS or H-E-B) to track purchases automatically.
Heads up: For most stores, you’ll need to scan a physical receipt unless Ibotta specifically gives you the option to connect your account.
Important note for Walmart shoppers: Walmart recently launched its cashback program. If you activate an offer on both Ibotta and Walmart, you’ll only receive the 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 incredibly easy to earn cash back on everything from clothes and beauty to hotel bookings and school supplies. Shop through the app or browser extension at over 3,000+ stores, and you’ll earn a percentage back—no receipts are needed.
Bonus tip: You can also link your debit or credit card to earn cash back on in-store purchases at select retailers. Just activate the offer in the app before your shopping trip—otherwise, 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 be $10 or more to receive a 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 doing extra work. You get cashback and promo codes at stores you already shop at, 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 game-changer for my Walgreens and CVS runs.
- It’s also great for travel bookings and big purchases, where cashback adds up.
- Payout options are quick and flexible—cash out via PayPal, direct deposit, or gift card.
Click here to sign up and earn a $10 bonus once you get $10 in cashback
Best for Instant Coupon Finds: RetailMeNot
RetailMeNot is a go-to app when you’re shopping online or in-store and want to save money. Whether you’re grabbing something last minute or doing a quick Target run, it has your back.
- What I love: When you shop online, the app automatically identifies available promo codes for the store you’re on, so you might score cashback and a discount in one go.
- Works with popular stores like Kohl’s, Macy’s, Ulta, and more.
- The app also sends real-time deal alerts, so you never miss out on time-sensitive savings.
Best for Price Tracking + Cashback: Price.com
Price.com is your intelligent shopping assistant—perfect for busy moms who don’t have time to check a dozen tabs before buying. It automatically compares prices across multiple sites while you shop, helping you snag the best deal and earn cashback.
- My favorite feature is that while browsing on a desktop, you’ll get pop-up notifications showing if other websites are selling the same item for less. It’s helped me save on everything from household items to kids’ essentials.
- Heads up: Some listings may include third-party sellers like eBay, so verifying the seller’s reputation and return policy is always a good idea before checking out.
- 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! And if you love it, refer friends—you’ll earn $30 for every referral once they hit 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.
- They also provide coupon codes that can be combined with cashback, making it even easier to save on everyday purchases.
- TopCashback works with thousands of partner stores, so you’ll likely find a deal whether you’re shopping for clothes, home goods, or beauty.
- Pro/Con: Cashback rates are categorized by product type, which means some categories (like tech or beauty) may offer higher rates than others. This can work in your favor if you’re strategic about when and where you shop.
- Bonus tip: If you see a higher cash back rate for the same item 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.
FAQs – Top Cashback Apps for Busy Moms
Are cashback apps really worth it?
Yes! Most moms save between $10–$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.
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