Smart Money Mom

Best Cash Back Apps And Money Saving Phone Apps (Year 2020)

If you are visiting because you saw me on The Real– well HEY! 🙂 Welcome to my little side of the internet where I share easy grocery savings tips and practical money advice to people like you!

Here is a little about me. First and Foremost, I am a mom of 3 boys and just a regular ole’ woman who is tired of paying too much at stores. I started this website 7 years ago, in hopes to help others who are looking for extra ways to save– especially in the grocery store! Find out more about me HERE 

If you are new to saving cash in the grocery store– I highly suggest you download my FREE eBook “Grocery Savings for the Rest of Us” this is a 38-page guide that show you best practical ways to start saving in the grocery store today!

Here is extra info on the best cash back apps that I talked about on the show! Keep reading to find out how you can earn $15 in FREE money from the best cash back apps below when you sign up.

The cash back Apps are easy to use and include offers for many popular stores like Walmart stores and brands. Not to mention when you join, most cash back apps will credit  free cash to your account to get your started! Ibotta is my overall best – but you can check out all 3 of my best cash back apps below.

What is Ibotta App?

It is a free smart phone app that lets you earn real money for items you purchase from most major stores. Ibotta cash back app works at 187 stores.  Once you sign up, ibotta apps will start showing you rewards and how much money you can earn for each particular item. You can unlock offers by completing simple tasks like watching short videos, completing short surveys and more. Once you spend on a qualifying item, just take a picture of your receipt with the app, scan the bar code of the product (sometimes) and ibotta will credit your account within 24-48 hours. You can use coupons in conjunction with these rewards to save even more. Once you earn $20, your cash can be deposited into your Paypal or will credit at Venmo account.  If you prefer, you can redeem your earning for various gift cards.

Tips for using Ibotta App:

  1. Each Product offer is one-time use ONLY. For example if you spend on 3 of the same product, you can only redeem the Ibotta offer for one of those items that you spend on. Sometimes ibotta deals will pop back up a day or two after you redeem it, so you may have another opportunity to redeem it at a later date.

  2. When you earn new rewards in your account and it’s something you know you’ll spend on, be sure to complete the tasks to unlock the offer. Products can disappear or the values can change overnight!

  3. Not all products are available at every store. Before you purchase the product, make sure that product is available to redeem by completing the offers associated with the product and doing the following: Click “redeem” then “pick Store” and you will see all products that are available to purchase at that particular store.

  4. You can be earning bonus for referring a friend or buying a combination of products. Tell your friends about Ibotta and be sure to earn bonuses periodically

Join ibotta here and you’ll earn  $10 sign up bonus to get you started! The app works with iphone or android devices.

What is Checkout 51?

Checkout 51 is a money saving tool – a lot like ibotta, but it does NOT require a smart phone.  Every Thursday morning, Checkout 51 updates with a new list of rewards. All you have to do is pick the ones you like, purchase them at ANY store, and upload a photo of your receipts through their mobile app or website. When your account reaches $20.00, they’ll credit  you a check.

Tips for using Checkout 51:

  1. Offers go live on Thursdays at 12:00 AM in each time zone. They expire the following Wednesday at 11:59 PM in each time zone. You must submit the receipts while the rewards are live

  2. Deals are available in limited quantities. Please check your offer list before you go shopping to ensure that the offer is still available, and upload the receipts immediately after purchase to avoid disappointment.

  3. Read the terms and conditions of each offer – some rewards can NOT be used in conjunction with a coupon.

  4. Offers are not store specific, so you can redeem them from any store (even your local discount chains and online retailers).

For a limited time when you join Checkout 51 via this link, you’ll receive a $5 bonus to start!

What is Shopmium? 

Shopmium is a lot like ibotta! Spend on products that match the available offers at an eligible store, scan the product barcode and take a picture of your receipt through the app and you’ll earn your rebate straight to your Paypal or bank account. Cashing out with Shopmium is the easiest of all the apps because there’s no minimum and it’s automatic! They will credit  your payment in your Paypal account or bank account 24 hours after your rebate has been approved.

Tips for using Shopmium:

  1. Shopmium is store specific, offers can only be redeemed at specified retailers.

  2. Shopmium updates their deals weekly – so be sure to check back weekly to explore the new offers.

  3. Shopmium doesn’t allow coupons stacking, so you can not use a coupon in addition to the Shopmium offer.

  4.  A lot like Checkout 51 and Ibotta – each offer can only be redeemed once.

  5. Tell your friends who love shopping about Shopmium! You’ll earn $2 for every friend who joins.

  6. Shopmium can NOT be used at the following stores: Kroger shop, CVS/ Pharmacy, Publix, Meijer, Harris Teeter, Ralphs, King Soopers, Fry’s, Fred Meyer, Baker’s Supermarkets, City Market, Copp’s, Dillons Food Stores, Dillons Marketplace, Fry’s Food & Drug, Foods Co., Food 4 Less shop, Fresh Market, Gerbes Super Markets, GreenWise, Jay C, Kwik Shop, Loaf ‘N Jug, Mariano’s, Metro Market, Owen’s, Walmart store, Pay Less Super Markets, Pick ‘n Save, Publix Sabor, QFC, Roundy’s, Ruler Foods, Scott’s, Smith’s, Smith’s Marketplace, Smith’s Express, Tom Thumb Food Stores, Turkey Hill Minit Markets.

Download the Shopmium app for your iphone brands or android device and you’ll receive a FREE Chocolate Bar if you use this code: KMCCKFGY. 

What is Berry Cart ?

— Is Organic/Non-Gmo your thing? Be sure to download BerryCart app and find cash back offers on all of your best “best for you” foods!

Berry Cart works just like ibotta and you can use coupons receipt on top of the rebate deals that they offer!

In addition to the 4 cash back apps I mentioned above – there are some other helpful apps that will save lots of money while shopping!

Tips for Berry Cart

  • Gas Buddy – use it to find the least expensive gas in your area!
  • Amazon – when you find something in-store that you must have, scan the barcode via the online search feature in Amazon app. Many times you will find it much cheaper on Amazon. If you happen to be shopping at Target and you find something cheaper on Amazon. Price match! Target will price match items shipped & sold by Amazon at the customer service desk.
  • Target Cartwheel – when you are shopping at Target scan away via the Cartwheel app. Cartwheel has percentage off offers for a ton of popular products. Load them online in the app and have a cashier scan your receipt barcode at checkout. It help ease the pain of those epic Target trips.

If you are looking for a place to hangout and chat with other like minded women like you, feel free to join the online private facebook group. We welcome anyone interested who is interested in saving money!

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