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Shop smarter before you choose a retailer

Start with the product, then compare the ways different purchase paths may create value.

Ways to get value back

Program types relevant to shopping for products

Programs are ordered by the supplied reputation assessment score, highest first. Ties are alphabetical; unassessed programs appear last. These assessments are not customer ratings or payout guarantees. See the factors we consider β†’

Shopping Tools

Coupon finders, price comparison, browser extensions and other tools that reduce purchase cost.

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Bank & Card Offers

Citi Shop

Activate percent-back/amount-back offers and complete eligible online purchase.

You get
Statement credits / coupons / shopping savings
To redeem
Not applicable
Payout timing
After merchant confirms transaction; can range from hours to several days plus statement-credit processing.
Meet Citi Shop
Shopping Tools

Capital One Shopping

Activate eligible shopping rewards and complete tracked purchases; coupons/price comparison may also be provided.

You get
Coupons / price comparison / rewards
To redeem
Varies by gift-card reward.
Payout timing
Rewards must become available before redemption. After a gift-card order, allow up to 3 business days for the digital gift card to be issued; merchant reward approval is a separate wait.
Meet Capital One Shopping
Shopping Cashback

Swagbucks

Earn points (SB) from shopping, surveys, offers, search, games and other eligible activities.

You get
Points / gift cards / cash-equivalent rewards
To redeem
Varies by redemption option.
Payout timing
Varies by reward and verification status.
Meet Swagbucks
Shopping Tools

PayPal Honey

Activate eligible cash-back/reward offers and use Honey shopping links/features.

You get
Coupons / eligible PayPal Rewards
To redeem
Redemption thresholds and point values depend on the option and are disclosed when redeeming.
Payout timing
There is no single weekly or monthly payout schedule stated in the reviewed agreement. Availability and fulfillment depend on the chosen redemption option.
Meet PayPal Honey
Shopping Cashback

RetailMeNot

Activate eligible cashback offer, shop through tracked link, meet merchant terms.

You get
Cash back and discounts where available
To redeem
Varies/current policy should be verified.
Payout timing
After merchant confirms purchase; may take weeks.
Meet RetailMeNot

Shopping Cashback

Programs that return cash or reward value when an eligible purchase starts through a portal, app or shopping experience.

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Shopping Tools

Capital One Shopping

Activate eligible shopping rewards and complete tracked purchases; coupons/price comparison may also be provided.

You get
Coupons / price comparison / rewards
To redeem
Varies by gift-card reward.
Payout timing
Rewards must become available before redemption. After a gift-card order, allow up to 3 business days for the digital gift card to be issued; merchant reward approval is a separate wait.
Meet Capital One Shopping
Grocery Rewards

Ibotta

Add/activate offers, shop eligible retailers, submit/link purchase data as required.

You get
Cash back / item rebates
To redeem
At least $20 in earnings, one successfully redeemed offer, and a 7-day wait after your first offer redemption or gift-card purchase. Some gift cards require $25.
Payout timing
After meeting withdrawal requirements, funds can take 0–5 days to arrive depending on the withdrawal method.
Meet Ibotta
Shopping Cashback

Swagbucks

Earn points (SB) from shopping, surveys, offers, search, games and other eligible activities.

You get
Points / gift cards / cash-equivalent rewards
To redeem
Varies by redemption option.
Payout timing
Varies by reward and verification status.
Meet Swagbucks
Shopping Cashback

MyPoints

Earn points from shopping, surveys, offers and other eligible activities.

You get
Points / gift cards
To redeem
Varies by reward selected.
Payout timing
Varies by reward/provider.
Meet MyPoints
Shopping Tools

PayPal Honey

Activate eligible cash-back/reward offers and use Honey shopping links/features.

You get
Coupons / eligible PayPal Rewards
To redeem
Redemption thresholds and point values depend on the option and are disclosed when redeeming.
Payout timing
There is no single weekly or monthly payout schedule stated in the reviewed agreement. Availability and fulfillment depend on the chosen redemption option.
Meet PayPal Honey
Shopping Cashback

RetailMeNot

Activate eligible cashback offer, shop through tracked link, meet merchant terms.

You get
Cash back and discounts where available
To redeem
Varies/current policy should be verified.
Payout timing
After merchant confirms purchase; may take weeks.
Meet RetailMeNot

Receipt Rewards

Programs that reward qualifying paper receipts, eReceipts or purchase submissions.

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Grocery Rewards

Ibotta

Add/activate offers, shop eligible retailers, submit/link purchase data as required.

You get
Cash back / item rebates
To redeem
At least $20 in earnings, one successfully redeemed offer, and a 7-day wait after your first offer redemption or gift-card purchase. Some gift cards require $25.
Payout timing
After meeting withdrawal requirements, funds can take 0–5 days to arrive depending on the withdrawal method.
Meet Ibotta
Receipt Rewards

Shopkick

Earn kicks from store visits, scans, receipts, linked-card purchases and eligible online offers.

You get
Points / gift cards
To redeem
Varies by reward.
Payout timing
Varies; some rewards are immediate after redemption.
Meet Shopkick

Store Rewards

Retailer-specific loyalty, points, member pricing, store cash and related benefits.

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Store Rewards

CVS ExtraCare

Earn 2% back on qualifying purchases plus personalized offers and eligible pharmacy rewards.

You get
ExtraBucks / discounts
To redeem
Not applicable
Payout timing
2% rewards generally available after transaction; pharmacy rewards follow program timing.
Meet CVS ExtraCare
Store Rewards

Nike Membership

Nike Membership is primarily access/benefits rather than cash back; members receive eligible offers, shipping/returns and experiences.

You get
Member benefits / offers
To redeem
Not applicable
Payout timing
Not applicable
Meet Nike Membership
Store Rewards

Sephora Beauty Insider

Earn Beauty Insider points on qualifying Sephora purchases and access tier/member benefits.

You get
Points / rewards / offers
To redeem
Varies by reward option.
Payout timing
Points post after eligible transaction according to program processing.
Meet Sephora Beauty Insider
Store Rewards

Target Circle

Receive member prices, bonuses and eligible Target Circle rewards/promotions.

You get
Deals / Target Circle benefits
To redeem
Not applicable
Payout timing
Per eligible offer/transaction.
Meet Target Circle
Store Rewards

Ulta Beauty Rewards

Earn points on qualifying Ulta products/services and eligible partner marketplace purchases.

You get
Points redeemable toward purchases
To redeem
Redemption starts according to Ulta point-value tiers.
Payout timing
Points generally post after eligible purchase processing.
Meet Ulta Beauty Rewards
Store Rewards

My Best Buy

Points available through qualifying purchases for eligible Plus/Total members, My Best Buy cardholders and promotions.

You get
Member pricing / eligible rewards
To redeem
250 points = $5 reward certificate.
Payout timing
Most eligible Best Buy purchase points post about 15 days after purchase/delivery/shipment.
Meet My Best Buy

Bank & Card Offers

Merchant-specific offers tied to eligible cards or bank accounts, often as statement credits.

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Bank & Card Offers

Amex Offers

Add an offer to an eligible Card, then use that same enrolled Card for qualifying purchase.

You get
Statement credits / points
To redeem
Not applicable
Payout timing
Typically within 30 days of qualifying spend; some offers allow up to 90 days.
Meet Amex Offers
Bank & Card Offers

BankAmeriDeals

Use the deals available in Online or Mobile Banking and meet each offer’s terms with an eligible card or required merchant link.

You get
Cash back / statement credit
To redeem
Not applicable
Payout timing
Most cash-back deals credit an eligible consumer deposit or credit account within 60 days of redemption or transaction posting. Affiliate offers may take up to 75 days; other deal types can have different schedules.
Meet BankAmeriDeals
Bank & Card Offers

Capital One Offers

Activate/click eligible merchant offer and meet purchase terms.

You get
Statement credit / rewards / miles
To redeem
Not applicable
Payout timing
Varies; can take one or more statement cycles depending on offer.
Meet Capital One Offers
Bank & Card Offers

Chase Offers

Add offer to card, then use that eligible Chase card for qualifying purchase.

You get
Statement credits
To redeem
Not applicable
Payout timing
Typically within 30 days/30 business days after qualifying transaction posts.
Meet Chase Offers
Bank & Card Offers

Citi Shop

Activate percent-back/amount-back offers and complete eligible online purchase.

You get
Statement credits / coupons / shopping savings
To redeem
Not applicable
Payout timing
After merchant confirms transaction; can range from hours to several days plus statement-credit processing.
Meet Citi Shop

Gift Card Rewards

Savings and rewards from discounted, promotional or cashback-earning gift cards.

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Shopping Cashback

Swagbucks

Earn points (SB) from shopping, surveys, offers, search, games and other eligible activities.

You get
Points / gift cards / cash-equivalent rewards
To redeem
Varies by redemption option.
Payout timing
Varies by reward and verification status.
Meet Swagbucks
Shopping Cashback

MyPoints

Earn points from shopping, surveys, offers and other eligible activities.

You get
Points / gift cards
To redeem
Varies by reward selected.
Payout timing
Varies by reward/provider.
Meet MyPoints
Gift Card Rewards

CardCash

Primarily save by buying discounted gift cards or receive payment by selling eligible gift cards; not a traditional cashback program.

You get
Discounted gift cards
To redeem
Not applicable
Payout timing
Seller/payment timing varies with card verification.
Meet CardCash
Gift Card Rewards

Raise

Buy eligible gift cards/promotional products and earn Raise Cash where offered.

You get
Cash rewards / gift-card value
To redeem
Not applicable
Payout timing
Per purchase/promotion terms.
Meet Raise
Can methods combine?

Sometimes β€” but terms matter.

A coupon, loyalty program, portal or card offer may be compatible in some cases and conflict in others.

Learn about stacking