Best Cashback and Rewards Apps of 2026

Cashback and rewards apps can turn spending you already do into small perks, but earnings are modest. Swagbucks and MyPoints reward activity, Snaplii rewards gift-card purchases, and Settlemate helps claim class-action settlements.

What to Look for

Earning rate

Divide expected earnings by time spent. Survey sites often pay little per hour.

Payout options and thresholds

Check minimum redemption amounts and methods.

Privacy

Rewards apps trade on data. Read what is collected.

Subscriptions

Some tools charge fees that can eat the benefit.

Scams

Avoid offers that ask you to pay to earn.

How the Picks Compare

Swagbucks — 3.9/5

Swagbucks is a rewards site that pays points (SB) for shopping, surveys, videos and offers, redeemable for gift cards or PayPal cash.

Best for: Casual extra earnings and cashback.

What we like:

• Many ways to earn: shopping, surveys, offers
• Gift card and PayPal redemption
• Free to join

What to watch:

• Earnings per hour are low
• Survey disqualifications are common

Swagbucks rewards activity with points that convert to gift cards or cash. Shopping portals add cashback on online purchases.

It works as a side perk, not a primary income.

How it works:

1. Join free. Create an account.
2. Earn. Shop, survey and complete offers.
3. Redeem. Cash out via gift cards or PayPal.

Use a separate email; you may receive promotions.

Be skeptical of offers requiring paid sign-ups.

A good fit if you:

• You want small perks on spending you already do

Look elsewhere if you:

• You expect significant income

Pricing snapshot: Membership: Free. Earnings vary.

Read our full Swagbucks review · Visit Swagbucks

Snaplii — 3.9/5

Snaplii is a Toronto-based savings app selling digital gift cards and paying up to 15% back as Snaplii Cash, which can be applied to later orders.

Best for: Frequent gift card buyers wanting cashback.

What we like:

• Instant digital gift cards in-app
• Cashback stacks with other discounts
• No annual fee

What to watch:

• Cash is mostly usable within the app
• Gift cards are tied to merchants

Snaplii lets you buy gift cards for many retailers and restaurants and earns Snaplii Cash on each purchase. New users receive welcome coupons.

The company also markets an AI payments product for developers.

How it works:

1. Pick a brand. Choose a gift card.
2. Pay in-app. Buy and add to wallet.
3. Earn cash. Collect Snaplii Cash.

Gift card balances are tied to merchants; check terms.

Verify store acceptance before buying.

A good fit if you:

• You regularly buy gift cards or dine out

Look elsewhere if you:

• You want cash withdrawals

Pricing snapshot: Fees: No annual fee; Cashback: Varies by brand, up to about 15%. Rates change; check the app.

Read our full Snaplii review · Visit Snaplii

MyPoints — 3.8/5

MyPoints is a long-running rewards program that gives points for shopping, surveys, and offers, redeemable for gift cards and cash options.

Best for: Casual shoppers wanting extra rewards.

What we like:

• Free to join
• Shopping cashback in points
• Established brand

What to watch:

• Low earnings rate
• Email volume

MyPoints rewards members for shopping through its portal, taking surveys and completing offers. Points are converted to gift cards.

Like similar programs, it is best as a small bonus.

How it works:

1. Sign up. Create a free account.
2. Earn points. Shop and complete offers.
3. Redeem. Choose gift cards.

Expect marketing emails.

Avoid offers that require paid subscriptions you do not want.

A good fit if you:

• You shop online often

Look elsewhere if you:

• You want a high hourly rate

Pricing snapshot: Membership: Free. Rewards rates vary by merchant.

Read our full MyPoints review · Visit MyPoints

Settlemate — 3.7/5

Settlemate is a mobile app for iOS and Android that matches users to open class-action settlements and helps them submit claims without a lawyer, reportedly on a subscription basis.

Best for: People who want help finding settlements.

What we like:

• Finds settlements matched to your purchases
• Submit claims in the app
• Convenient for busy users

What to watch:

• Payouts are often small and uncertain
• Subscription required per user reviews

Settlemate asks questions about purchases and services, then shows class-action settlements you may qualify for. It then helps file claims.

Settlement payments depend on the case and claim volume.

How it works:

1. Answer questions. Share your purchase history.
2. See matches. Review eligible settlements.
3. File claims. Submit in-app.

Official settlement websites let you file for free; weigh convenience against subscription cost.

Only provide information you are comfortable sharing.

A good fit if you:

• You like automation for small payouts

Look elsewhere if you:

• You prefer to file directly for free

Pricing snapshot: Subscription: See site; one user review mentions a subscription. Check the app pricing page.

Read our full Settlemate review · Visit Settlemate

Which One Should You Choose?

• Choose Swagbucks or MyPoints for passive shopping rewards.
• Choose Snaplii if you buy gift cards regularly.
• Choose Settlemate only if its subscription is worth the settlements it finds for you.

Common Mistakes to Avoid

• Expecting significant income.
• Using your primary email for sign-ups.
• Missing expiry terms on points.

The Bottom Line

Our highest-rated pick here is Swagbucks at 3.9 out of 5, but the right choice depends on the use cases above. Terms, prices and features change often, so confirm current details on the provider’s site before you buy. ExpertPicked may earn a commission from links on this page; this never changes our ratings.