Ibotta is one of the biggest cash-back apps in the US.

Here’s what it does well and where it might not fit.

What Ibotta does.

You earn cash back by adding offers in the app, then shopping in store or online and submitting a receipt (or linking a loyalty account where supported). Payout is via PayPal, Venmo, or gift cards.

Pros - Works at many grocery and retail stores. - Loyalty linking means you don't always have to upload receipts. - Regular bonus events and team challenges can boost earnings. - No fee to cash out to PayPal/Venmo once you hit the minimum. Learn more about grocery rewards apps that work well together.

Cons - You have to remember to add offers before you shop. - Not every item you buy will have an offer. - Some high-value bonuses are tied to specific stores or time windows.

Verdict: Worth it if you already shop at supported stores and don't mind checking the app before a trip. Best for people who do at least a few grocery runs per month. If you shop rarely, the effort might not add up unless you pair it with receipt scanning in Fetch. For a broader comparison, check out our guide to the top cashback apps.