Earn Cash Back at the Tot

Earning cash back at the tot is a real thing, and it is not just for those with a credit card. Many banks offer cash back via zip code, and some cards also give you a small cash bonus for shopping at certain retailers. A few apps abound that allow you to earn small swag while avoiding the red tape of paper receipts and credit card swipes.

In particular, the Fetch Rewards program offers a decent payoff for your hard-earned dough. It’s free to join, and you can choose from a handful of categories ranging from grocery and drug stores to department stores. To get started, you’ll need to enter your zip code and a few other details about yourself, and then check out the rewards in action.

The Ibotta app is another option to consider, although you’ll have to spend the time and effort to set it up. Once you’re set up, you can start earning rewards for purchases, including online and in-store purchases, as well as gas stations. Although it’s not the cheapest way to shop, you can expect to receive cash back in your pocket, or as PayPal credits, whichever you prefer. As for how much you can expect to earn, the average payout is about $1 per transaction. Some cards offer up to $6,000 in cash back rewards annually.

While you’re at it, you may want to try out a few apps that give you the tiniest bit of incentive for shopping, such as Receipt Hog and Payce. Both of these apps offer some of the best cash back bonuses around.