13 Best Cashback Apps To Maximize Your Savings

Looking for effortless ways to stretch your budget in 2025? The best apps for cash back are changing how savvy shoppers save. These platforms offer instant rewards, real rebates, and exclusive deals, all while you spend as usual. Whether you’re buying groceries, booking flights, or shopping online, these apps give you back a portion of every dollar. 

Backed by legitimate partnerships with top retailers, the best cashback apps to save money while shopping, like Rakuten, Ibotta, and Fetch, make saving effortless. They can even help users earn up to $100 or more per month through verified transactions. 

In this guide, H2T Funding has rounded up 13 of the best cashback apps based on reviews and payout reliability. Each one helps you earn money back without changing your lifestyle.

1. What are cashback apps?

Cashback apps help users earn rebates in cash, points, or gift cards when shopping at partner stores. These best apps for cashback act as a bridge between shoppers and brands.

They encourage loyalty and return a portion of your transactions as savings on everyday spending. To make the most of your savings, learn how to track expenses effectively and identify which purchases earn the highest cash back.

2. How do cashback apps work?

And, how do cashback apps work? Cashback apps make saving simple by tracking your purchases and rewarding you afterward. Here’s how the process usually works:

2.1. Step 1: Download and sign up

Start by downloading a cashback app like Rakuten, Ibotta, or Dosh. Create an account using your email and basic information. Some apps may ask for payment details upfront, especially if they offer automatic tracking.

For Android users outside the Google Play region, some platforms provide a verified cashback app download, allowing you to install the app directly without geographic restrictions.

2.2. Step 2: Link your card or activate offers

Depending on the app, you may need to:

• Link your credit or debit card so the app can automatically track your eligible purchases at partner stores.
• Or manually activate offers before shopping (common in apps like Ibotta).

2.3. Step 3: Shop through one of three methods

Cashback apps typically work through one of the following methods:

• Automatic detection: When you pay with your linked card at a participating store, the app tracks the purchase and applies cashback automatically.
• Receipt scanning: After shopping, take a photo of your receipt. The app scans it to verify eligible items and credits your cashback.
• In-app shopping portals: Some apps provide a shopping portal. You simply tap on the retailer through the app and complete your purchase; it tracks everything behind the scenes.

2.4. Step 4: Cashback is processed

Once the app confirms your purchase qualifies, it will credit your account with cashback. Processing times vary; some apps add cashback within hours, while others may take a few days.

To build consistent savings beyond cashback, explore how to automate your savings and make every rebate work harder for you.

2.5. Step 5: Get your money

After your cashback balance reaches a minimum threshold (often $5–$20), you can withdraw your earnings via PayPal, direct bank transfer, or gift cards.

Pair these best cashback apps to save money while shopping with the best budgeting apps 2025 to organize your finances and make smarter spending decisions.

What happens behind the scenes? Cashback apps work through affiliate or promotional partnerships with brands. When you make a qualifying purchase, the retailer pays the app a small commission. The app then shares part of that commission with you as cashback. It’s a seamless way to save, with zero added cost to you.

3. Why should you use cashback apps to save money?

As inflation continues to rise, more people, myself included, are turning to cashback and rebate apps as a simple, low-effort way to save. For more practical strategies to handle rising costs, explore how to live frugally without sacrificing comfort.

When I first downloaded Rakuten and later ShopBack, I was skeptical. But after a few months, I’d earned over $100 in verified cashback transactions from groceries, flights, and even online courses.

It reminded me how small, consistent gains can grow over time, much like compound interest in personal finance. It felt like getting rewarded for spending smart.

Here’s why they’re worth using:

• Cost-saving made simple: You earn money back on everyday purchases: groceries, clothes, travel, or online orders just by using the app.
• No lifestyle changes needed: Keep shopping as usual. Cashback apps work in the background by tracking linked cards, scanning receipts, or redirecting through shopping portals.
• Accessible to everyone: Whether you prefer shopping online or in-store, these apps are designed for all types of shoppers.
• Not a scam: Many people assume cashback apps are too good to be true. They work through partnerships with retailers, so your rewards come from a real business model, not from hidden fees.
• Small savings add up: Even a few cents or dollars per purchase can grow into hundreds over time with regular use.

In short, the best cashback apps are an effortless way to save more in your daily life. They’re perfect for anyone looking to stretch their budget without extra effort. To take your savings further, learn how to create a personal budget and manage your spending smarter.

4. A quick comparison best cashback apps

This table provides a concise overview of the best cashback apps for groceries, gas, travel, and online shopping. Each app is evaluated based on its key features, advantages, and limitations to help you choose the most suitable option for maximizing your savings.

If you want to plan smarter grocery spending, check out these grocery budget tips to pair with your favorite apps for cash back. You can also learn how to improve your personal cash flow to make every rebate and transaction from cashback apps work harder against inflation.

Here’s a concise highlight list you can drop right under the section intro:

• Covers: 5 cashback app types – Groceries, Gas, Travel, Online, and Other flexible earners.
• Tracking: Via linked cards, receipt scans, or in-app shopping portals.
• Payouts: PayPal, bank, gift cards, and even crypto (Trunow).
• Top picks: Ibotta · Fetch · Upside · Dosh · Rakuten · TopCashback · Shopkick.
• Returns: Average 5–10% online, variable for gas and groceries.
• Watch for: Cash-out minimums, payout delays, and regional limits.
• Pro tip: Stack cashback apps with loyalty programs and promo codes to beat inflation.

4.1. Groceries cashback apps

Grocery cashback apps are perfect for anyone who wants to save money on everyday essentials without changing shopping habits. These apps reward you for buying products you already need, from snacks to household items, and turn simple receipts into real rebates. Whether you prefer scanning receipts or automatic tracking, grocery cashback platforms make every grocery run a little more rewarding.

	Ibotta	Fetch Rewards	Bogo
Key Features	Cashback on various grocery items. Supports in-store and online shopping. Payouts via PayPal, gift cards, or bank deposit.	Accepts receipts from almost any store Bonus points for specific brands Supports e-receipts from linked accounts	Automatic purchase tracking via linked accounts. No receipt scanning or manual offer activation. Earns cashback by sharing shopping data
Pros	High cashback rates on branded items. Frequent bonuses and promotions. Wide store coverage	No need to activate offers. User-friendly interface. Daily bonus opportunities	Low-effort process. Personalized offers. Redeem via Venmo, PayPal, or gift cards
Cons	Requires pre-selecting offers$20 minimum balance for cashout	Points-based (1,000 points = $1). Slower point accumulation	Requires financial account data access. Minimum points threshold for cashout

4.2. Gas cashback apps

When fuel prices fluctuate, gas cashback apps can help you offset the cost of every fill-up. Designed for frequent drivers, these apps offer real rebates and location-based deals to stretch your travel budget.

Pair them with smart budgeting habits to balance variable costs, especially if your income isn’t steady. Learn more in this guide on how to budget with irregular income to make every dollar at the pump work harder for you.

	Upside	Trunow
Key Features	Cashback at 45,000+ gas stations, restaurants, and stores. Automatic tracking with linked cards. Payouts via PayPal, bank transfer, or gift cards.	Cashback via gas station receipt uploads. Real-time local gas price. comparisons. Cash or cryptocurrency payouts.
Pros	High cashback rates for gas. User-friendly with location-based offers. Multiple cashout options	High cashback rates for gas. User-friendly with location-based offers. Multiple cash-out options
Cons	Limited to partner stations. Issues with offer redemption. Variable cashback	Requires manual receipt scanning. Smaller network of stations. Limited regional availability

4.3. Travel cashback apps

Traveling doesn’t have to drain your wallet. The best travel cashback apps reward you for hotel bookings, flights, and even dining out while exploring new places. By planning ahead and earning rebates on every trip, you can travel smarter and stress less about expenses. For added inspiration, check out how to stop living paycheck to paycheck and how to set financial goals to align your travel rewards with your long-term money plan.

	Dosh	Swagbucks
Key Features	Automatic cashback with linked cards at partner hotels/restaurants, receipt scanning, or offer activation. Payouts via bank transfer, PayPal, or charity donation.	Earn SB points via travel bookings, surveys, videos, and shopping. Partners with Expedia, Booking.com, and Priceline. Redeem points for gift cards or PayPal cash.
Pros	Hassle-free earning for hotel bookings. Competitive cashback percentages. Simple interface.	High rewards for travel spending. Versatile earning options. Frequent bonuses and promo codes.
Cons	Confusing points system (100 SB = $1), Slow payout processing for travel.	Confusing points system (100 SB = $1) Slow payout processing for travel.

4.4. Online shopping cashback apps

Online shopping cashback apps turn your everyday clicks into extra cash. Whether you’re upgrading tech, buying clothes, or stocking up on home goods, these platforms reward you for shopping through their portals. Combine them with the best money-saving apps to create a smart digital strategy that helps you maximize every transaction and beat rising online prices.

	Rakuten	TopCashback	Quidco	Receipt Hog
Key Features	Browser extension for cashback activation PayPal or check payouts Partners with 3,500+ retailers	No minimum cashout threshold Supports US/UK markets Bonus deals during seasonal sales Exclusive UK retailer deals Premium account for higher rates, in-store cashback via linked cards	Exclusive UK retailer deals Premium account for higher rates In-store cashback via linked cards	Accepts receipts from most purchases Gamified rewards with spins/bonuses Redeem coins for PayPal, Amazon gift cards
Pros	Competitive cashback rates (5-10%+) Trusted brand Easy-to-use interface	Industry-leading cashback rates Fast, reliable payouts No hidden fees	Strong UK market focus User-friendly app Regular promotions	Low-effort, no offer pre-selection Flexible redemption options Works across categories
Cons	Quarterly payouts Limited in-store cashback	Clunky interface Longer tracking periods for some deals	Limited outside the UK Premium account fee	Lower cashback rates Coin system is less straightforward

4.5. Other best cashback apps

Beyond groceries, gas, and travel, several flexible cashback apps help you earn extra rewards through everyday interactions, from scanning barcodes to uploading receipts. These options are especially useful for users managing tight budgets or single-income households. Learn how to make these savings go further with budgeting for single moms and explore weekly budgeting tips for steady, sustainable progress.

	Shopkick	CoinOut
Key Features	Earn kicks by visiting stores, scanning barcodes, or purchasing Redeem kicks for gift cards Online shopping rewards with select partners	Accepts receipts from any retailer No offer pre-selection Payouts via PayPal, bank transfer, gift cards
Pros	Rewards for non-purchase actions Engaging game-like interface Wide partner store range	Easy to use, no pre-planning Flexible for diverse stores Fast payouts with low minimum
Cons	Slow to earn significant rewards Limited to partnered retailers High redemption thresholds	Unpredictable, small cashback amounts No guaranteed rewards Limited earning potential

5. Best cashback apps for groceries

Saving money on groceries has never been easier. Discover practical tips in our guide on how to save money on groceries, thanks to a growing number of best cashback apps designed specifically for everyday shopping. 

These apps reward you for buying items you already need, helping you get a little something back every time you shop. Here are the top grocery cashback apps covered in this section:

• Ibotta: Best overall for flexible cashback and bonuses
• Fetch Rewards: Best for quick receipt scanning
• Bogo: Best for automatic tracking and personalized offers

5.1. Ibotta

Ibotta is one of the best cashback recharge apps that gives you real money back on grocery shopping. It combines cashback and rebate-style offers for both in-store and online purchases.

Users can activate offers before shopping and then submit receipts or link loyalty accounts to earn cashback. Ibotta partners with major retailers like Walmart, Target, and Kroger, making it widely accessible.

Key Features:

• Offers cashback on a variety of grocery items.
• Supports both in-store and online shopping.
• Provides cash payouts via PayPal, gift cards, or bank deposit.

Pros:

• High cashback rates, especially on branded items.
• Frequent bonuses and promotions.
  Wide store coverage.

Cons:

• Requires selecting offers before shopping.
• Minimum $20 balance required to cash out.

5.2. Fetch rewards

Fetch Rewards simplifies the cashback process by allowing users to scan any grocery receipt to earn points, without the need to pre-select offers. Points can be redeemed for gift cards to popular retailers.

Key features:

• Accepts receipts from almost any store.
• Offers bonus points for specific brands or products.
• Supports e-receipts from linked email and Amazon accounts.

Pros:

• No need to activate offers in advance.
• User-friendly interface.
• Daily bonus opportunities.

Cons:

• Points-based system; it takes 1,000 points to equal $1.
• Slower accumulation of points compared to some other apps.

5.3. Bogo

Bogo is a newer cashback app that rewards you for sharing purchase data securely and browsing tailored offers. It’s ideal for grocery shopping and beyond, offering a mix of automatic tracking and personalized deals.

Key Features:

• Link your bank account or card for automatic purchase tracking.
• No need to scan receipts or activate offers manually.
• Earn cashback by sharing shopping data (used for market research).

Pros:

• Low-effort, just connect and shop as usual.
• Personalized offers based on your spending habits.
• Redeem rewards via Venmo, PayPal, or gift cards.

Cons:

• Requires access to financial account data.
• Minimum points threshold before cash-out (e.g., 3,000 points).

6. Best cashback apps for gas

When fuel prices fluctuate, gas cashback apps help you offset the cost of every fill-up. These apps reward you for everyday drives while keeping your fuel budget steady. Here are the top gas cashback apps featured in this section:

• Upside: Best overall for high cashback rates and location-based offers with automatic card tracking.
• Trunow: Best for real-time gas price comparisons and flexible payout options, including cash or cryptocurrency.

6.1. Upside

Upside is a cashback app that allows users to earn rewards on gas, dining, and grocery purchases at participating locations. Users can claim offers through the app and earn cashback by making purchases at partner establishments.

Key Features:

• Offers cashback at over 45,000 participating gas stations, restaurants, and grocery stores across the U.S.
• Users can link their credit or debit cards for automatic cashback tracking.
• Cashback can be redeemed via PayPal, bank transfer, or gift cards.

Pros:

• High cashback rates, especially for gas purchases.
• User-friendly interface with location-based offers.
• Multiple cash-out options provide 

Cons:

• Limited to specific partner stations; may not include all local gas stations.
• Some users report issues with offer redemption and customer service responsiveness.
• Cashback amounts may vary and are sometimes lower than advertised.

6.2. Trunow

Trunow is a cashback app focused on gas purchases, allowing users to earn rewards by scanning receipts from gas stations. The app also provides local gas price comparisons to help users find the best deals.

Key Features:

• Users earn cashback by uploading gas station receipts.
• Provides real-time local gas price comparisons.
• Offers cash or cryptocurrency payouts.

Pros:

• Tailored specifically for drivers looking to save on fuel.
• Unique option to receive rewards in cryptocurrency.
• Helps users find the lowest gas prices in their area.

Cons:

• Requires manual receipt scanning, which may be less convenient.
• Smaller network of participating stations compared to other apps.
• Limited availability in certain regions.

7. Best cashback apps for travel

Planning a vacation doesn’t have to drain your bank account. You can still earn money back when booking flights, hotels, or even grabbing a coffee at the airport.

I started using cashback apps after a friend showed me how she saved nearly $80 on a single trip just by booking through a rewards platform. Whether you’re a frequent traveler or just planning an occasional getaway, these cashback apps can make every mile and every dollar count. Here are two of the best I used to use for my trip for you to consider.

Below are the top travel cashback apps discussed in this section:

• Dosh: Best for automatic cashback on hotel bookings and restaurant spending, no receipt scanning required.
• Swagbucks: Best for versatile earning methods from booking travel to completing surveys with flexible PayPal and gift card redemptions.

7.1. Dosh

Dosh is a user-friendly cashback app that automatically rewards users for purchases, including travel, made with linked credit or debit cards. When you book hotels or shop with participating brands, Dosh tracks your spending and gives you cash back without any effort on your part.

Key Features:

• Automatically earns cashback when using a linked card at partner hotels, restaurants, and retailers.
• No need to scan receipts or activate offers manually.
• Cashout options include bank transfer, PayPal, or donating to charity.

Pros:

• Seamless and hassle-free earning, especially ideal for hotel bookings.
• Frequent travel deals with competitive cashback percentages.
• A simple interface makes tracking rewards easy.

Cons:

• Cashback opportunities may be limited outside major cities or international locations.
• You must link a card, which may not appeal to users with privacy concerns.

7.2. Swagbucks

Swagbucks is a well-known rewards platform that lets users earn “SB points” for various online activities, including booking travel. Whether you’re reserving a hotel or filling out a quick survey, Swagbucks offers flexible earning options.

Key Features:

• Earn SB points through travel bookings, surveys, watching videos, and shopping through the Swagbucks portal.
• Partnered with major travel sites like Expedia, Booking.com, and Priceline.
• Points can be redeemed for gift cards or PayPal cash.

Pros:

• High point rewards for travel-related spending.
• Versatile ways to earn beyond travel making it ideal for everyday use.
• Frequent bonuses and promo codes to maximize earnings.

Cons:

• The points system (typically 100 SB = $1) can be confusing for new users.
• Some payouts take time to process, especially for travel bookings that require trip completion before reward confirmation.

8. Best cashback apps for online shopping

Online shopping is now part of everyday life. Cashback apps make it more rewarding with money back from thousands of retailers. Whether you’re buying clothes, electronics, or home goods, these apps help you save effortlessly.

Here are the leading online shopping cashback apps covered in this guide:

• Rakuten: Best overall for a wide retailer network (3,500+ stores) and frequent double cashback events.
• TopCashback: Best for the highest payout rates, returning nearly 100% of commissions to users.
• Quidco: Best for UK shoppers, offering exclusive deals and boosted cashback via its Premium plan.
• Receipt Hog: Best for gamified cashback, turning receipt uploads into coins redeemable for PayPal or gift cards. 

8.1. Rakuten

Rakuten is a leading cashback platform that partners with thousands of online retailers, making it a go-to choice for savvy shoppers. Users can shop through Rakuten’s portal or use its browser extension. Both methods let them earn cashback on purchases from major brands like Amazon, Walmart, and Macy’s.

Key features:

• Browser extension for seamless cashback activation.
• PayPal or check payouts for flexibility.
• Frequent double cashback events and promotional offers.
• Partners with over 3,500 retailers across categories.

Pros:

• Competitive cashback rates, often 5-10% or higher.
• Well-established brand with a trusted reputation.
• Easy-to-use interface for beginners and pros alike.

Cons:

• Payouts are issued quarterly, which may feel slow.
• Limited in-store cashback options compared to online.

8.2. TopCashback

TopCashback stands out for offering some of the highest cashback rates in the industry, particularly for online shopping in the US and UK. The app connects users with a vast network of retailers, from fashion to tech, and prides itself on passing 100% of commissions back to users.

Key features:

• No minimum threshold for cashing out earnings.
• Supports both the US and UK markets with extensive retailer partnerships.
• Offers bonus cashback deals during seasonal sales.
• Payouts via PayPal, bank transfer, or gift cards.

Pros:

• Industry-leading cashback rates often surpass competitors.
• Fast and reliable payout processing.
• Transparent model with no hidden fees.

Cons:

• The website and app interface can feel clunky for new users.
• Some deals require longer tracking periods.

8.3. Quidco

Quidco is a popular choice for UK-based shoppers, offering cashback on both online and in-store purchases. With a focus on exclusive deals, Quidco partners with major UK retailers like ASOS, Tesco, and Boots. Its premium account option unlocks higher cashback rates, making it appealing for those who shop frequently. 

Key features:

• Exclusive cashback deals with major UK retailers.
• Premium account option for boosted cashback rates.
• In-store cashback via linked payment cards.
• Mobile app for tracking deals on the go.

Pros:

• Strong focus on the UK market with tailored retailer partnerships.
• User-friendly app for managing cashback and deals.
• Regular promotions for extra savings.

Cons:

• Limited availability outside the UK.
• A premium account requires a small annual fee.

8.4. Receipt Hog

Receipt Hog takes a unique approach to cashback by rewarding users for uploading receipts from almost any purchase, including online shopping. Unlike traditional cashback apps, it uses a coin-based system that can be redeemed for cash or gift cards. 

It’s a gamified experience, complete with slot machine spins, that adds a fun element, making it a great choice for casual users who want to earn rewards without much effort. This slot-machine style feature creates a cashback game feel that keeps users engaged.

Key features:

• Accepts receipts from a wide range of online and in-store purchases.
• A gamified rewards system with spins and bonuses.
• Redeem coins for PayPal cash, Amazon gift cards, or other rewards.
• Simple app interface for quick receipt uploads.

Pros:

• No need to pre-select offers, making it low-effort.
• Flexible redemption options for various rewards.
• Ideal for users who shop across multiple categories.

Cons:

• Lower cashback rates compared to dedicated shopping apps.
• A coin system can make tracking earnings less straightforward.

9. Other cashback apps to consider

Beyond the best cashback apps, other options cater to unique shopping habits or offer creative ways to earn rewards. These apps may not be as widely known, but they can still provide value, especially for users looking for flexibility or alternative earning methods.

Here are the best alternatives to consider:

• Shopkick: Best for earning without purchases by walking into stores or scanning product barcodes.
• CoinOut: Best for simplicity, scan any receipt and earn random cashback, redeemable via PayPal, bank transfer, or gift card.

9.1. Shopkick

Shopkick offers a unique way to earn rewards. Users can collect “kicks” by visiting stores, scanning product barcodes, or making purchases. Unlike traditional cashback apps, Shopkick emphasizes engagement with brick-and-mortar retailers, making it ideal for those who enjoy in-store shopping. 

Key features:

• Earn kicks by walking into partnered stores, no purchase required.
• Scan barcodes of specific products to earn additional kicks.
• Redeem kicks for gift cards at retailers like Amazon, Starbucks, or Walmart.
• Offers online shopping rewards through select partners.

Pros:

• Rewards for non-purchase actions make it accessible for budget-conscious users.
• Engaging interface with a game-like feel.
• Wide range of partner stores for in-store earning opportunities.

Cons:

• Earning enough kicks for significant rewards can take time.
• Limited to partnered retailers, reducing flexibility in some areas.
• Gift card redemptions may have high point thresholds.

9.2. CoinOut

CoinOut simplifies the cashback process by allowing users to earn rewards by scanning any receipt, regardless of the retailer. This app is perfect for those who want a low-effort way to earn extra cash without navigating complex offer systems.

Users upload receipts, and CoinOut provides random cashback amounts, which are deposited directly into linked accounts. Some users even upload receipts from entertainment purchases, such as a cash-back film ticket, to earn small rewards.

Key features:

• Accepts receipts from nearly any retailer, including small businesses.
• No need to select offers before shopping.
• Payouts via PayPal, bank transfer, or gift cards.
• Quick receipt scanning with minimal app interaction.

Pros:

• Extremely easy to use, requiring no pre-planning.
• Flexible for users who shop at diverse or non-partnered stores.
• Fast payout process with low minimum thresholds.

Cons:

• Cashback amounts are unpredictable and often small.
• No guaranteed rewards for specific purchases.
• Limited earning potential compared to offer-based apps.

10. Tips to maximize your cashback earnings

With years of experience testing and analyzing cashback apps, I have compiled proven strategies to help you maximize savings effortlessly. These tips are drawn from real-world usage and insights from financial experts, ensuring you get practical, reliable advice. 

Stack multiple savings methods:

Combine apps for cash back with retailer discounts, loyalty programs, or cashback credit cards to multiply rewards on a single purchase. For example, using a 5% cashback card with an app like Rakuten can double your savings on online shopping.

To manage your money more strategically, apply the 50/30/20 budget rule alongside the best cashback apps to balance needs, wants, and savings effectively and explore how to automate savings to make your rebates work for you without extra effort.

Monitor seasonal and exclusive offers:

Check your apps often for short-term deals, especially around Black Friday or back-to-school season when cashback rates jump. Subscribing to app newsletters can keep you informed about high-value deals.

Capitalize on referral bonuses:

Share your unique referral codes with friends or family to unlock signup bonuses, often worth $5–$20 per referral. This strategy, proven across apps like Ibotta and Fetch Rewards, can significantly boost your earnings.

You can also challenge yourself with fun budget challenge ideas to stay consistent and turn every rebate from the best cash back apps to save money while shopping into long-term savings.

Act quickly to secure rewards:

Scan receipts or activate offers right after shopping to avoid missing deadlines. Also, ensure you complete your cashback login before shopping so your purchases are properly tracked.

Many best apps for cashback, such as Receipt Hog, have time-sensitive requirements. Stay organized and avoid missing transactions or deadlines. Learn how to manage bills effectively to ensure your rebates and rewards reach your account on time.

11. FAQs

12. Conclusion: Start saving with cashback apps today

Apps for cash back are simple yet powerful tools that turn your daily transactions into extra income. In times of inflation, these savings matter more than ever. From groceries to online shopping, they help you earn money back with minimal effort.

By choosing the best cashback apps that match your shopping style, you can start saving up to hundreds of dollars each year without changing your routine.

Ready to get started? Download one or two top-rated apps today and watch your small savings add up over time. 

For more smart money tips, check out the Cash Flow & Saving Strategies at H2T Funding and explore how the best cashback apps fit into a smarter financial plan.