Independent rewards app guide · US
Compare cash-back
& rewards apps.
Know what you’ll get.
See what qualifies, how rewards are paid and when you can cash out. Compare official terms side by side, with cash kept separate from gift cards, points and app credit.
Payout terms at a glance
Checked| App | Reward forms | Minimum to redeem |
|---|---|---|
| RakutenMoney option | Money option | $5 confirmed per Help; plan for $5.01 per the blogRakuten Help(opens in new tab, checked 2026-11-12) |
| IbottaMoney option | Money option | $20 earnings, plus 1 redeemed offer and a 7-day waitIbotta Help(opens in new tab, checked 2026-11-12) |
| FetchRestricted rewards | Restricted rewards | Most rewards: 3,000 points; first redemption limited to $10, $25 or $50 rewardsFetch(opens in new tab, checked 2026-11-12) |
| UpsideMoney option | Money option | $1.01 bank minimum; $1 bank fee below $10Upside Support(opens in new tab, checked 2026-11-12) |
| SwagbucksMoney option | Money option | Unverified — set by each reward in the Rewards Store |
| CoinOutMoney option | Money option | 3,000 coins + Silver for $3 gift card; Venmo starts at $5 with Gold; PayPal $25 with DiamondCoinOut Support(opens in new tab, checked 2026-11-12) |
| Capital One ShoppingRestricted rewards | Restricted rewards | $5 in Shopping Rewards for e-gift cards; verification and merchant limits applyCapital One Shopping(opens in new tab, checked 2026-11-12) |
| Receipt HogMoney option | Money option | 1,000 coins for $5; introductory survey, device and email verification requiredReceipt Hog Help(opens in new tab, checked 2026-11-12) |
Minimums aren’t the whole story. Eligibility, fees and payout timing still apply. See full conditions
Start with what you need
How do you want to earn?
A $10 reward isn't always $10
Withdrawable cash(withdrawable as money)
Money you can send to a bank, PayPal or receive by check. Spend it anywhere.
Gift card(restricted value)Points(restricted value)App/store credit(restricted value)
Only usable at certain stores or inside the app. Worth less to you if you wouldn't shop there anyway.