The 10 most popular cash back apps in Canada

Canada's biggest cash back portal. Click through from Rakuten (or use the browser extension) before checking out at stores like Hudson's Bay, Indigo, Expedia and eBay. New members usually get a welcome bonus.

Earn:

1–30% back at 1,000+ stores

Payout:

Cheque or PayPal, quarterly

Minimum:

$5.01

Best for:

Online shopping

Load personalized weekly offers in the app, then scan at any Loblaw-banner store or Shoppers Drug Mart. Points redeem like cash on groceries — many members earn $200–$400 a year.

Earn:

Points worth ~1–5% back

Payout:

Redeem points at checkout

Minimum:

None

Best for:

Loblaws, No Frills, Superstore & Shoppers

Browse the weekly offer list, buy the items anywhere in Canada, snap a photo of your receipt and the money lands in your account. Offers include produce, brands and gas.

Earn:

$0.25–$5 per qualifying item

Payout:

Cheque

Minimum:

$20

Best for:

Grocery cashback

Similar to Checkout 51 with a Canadian focus: upload receipts for featured products, answer quick brand surveys, and stack offers with loyalty points for bigger savings.

Earn:

$0.25–$5 per offer

Payout:

PayPal or e-Transfer

Minimum:

$20

Best for:

Groceries and everyday brands

Unlike receipt apps, KOHO pays cash back the moment you tap your card on groceries, transportation and eating out — no offers to activate and no receipts to scan.

Earn:

1–2% on groceries automatically

Payout:

Straight to your KOHO balance

Minimum:

None

Best for:

Automatic, hands-free cash back

Link your card, then earn points automatically at partner brands without activating anything. Points convert to gift cards once you reach the threshold.

Earn:

1–5% at featured brands

Payout:

Gift cards

Minimum:

$25 in points

Best for:

Set-and-forget earning

A long-running Canadian portal that sometimes beats Rakuten's rates at the same stores. Compare both before big online purchases and take the higher rate.

Earn:

1–25% at partner stores

Payout:

PayPal, direct deposit or eGift card

Minimum:

$10–$12

Best for:

Alternative to Rakuten

Passes back the full affiliate commission, so rates are often among the highest. Payouts to PayPal or your bank have no minimum, which few portals offer.

Earn:

1–30% at partner stores

Payout:

PayPal or bank transfer

Minimum:

None for PayPal/bank

Best for:

Online shopping with no payout minimum

Beyond shopping cash back, you earn points for surveys, watching videos and playing games. The low $5 payout makes it one of the fastest apps to actually cash out.

Earn:

1–10% back plus survey earnings

Payout:

Gift cards or PayPal

Minimum:

$5

Best for:

Multiple ways to earn

A Canadian app that tracks purchases at partner retailers through your linked card — activate offers, shop in-store, and the cash back appears without receipts.

Earn:

2–5% at partner retailers

Payout:

e-Transfer

Minimum:

$10

Best for:

In-store automatic cashback