Best Cash Back Plus Pay Apps

216+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated July 2026

If you already know CashBack+ Pay, this is the deeper bench. 216+ cash back plus pay apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of July 2026.

Compare top Cash Back Plus Pay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1CashBack+ PayCashBack+ PayFree4.8โ˜… (350)YesNoJul 2026
2Cash AppCash AppFree4.8โ˜… (8.5M)NoNoJul 2026
3Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)NoNoJul 2026
4Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.3M)YesNoJul 2026
5Rakuten: Cash Back & DealsRakuten: Cash Back & DealsFree4.8โ˜… (362K)NoNoJul 2026
6Upside: Gas & Food Cash BackUpside: Gas & Food Cash BackFree4.8โ˜… (670K)YesNoJul 2026
7ShopBack - Deine Cashback AppShopBack - Deine Cashback AppFree4.5โ˜… (1.8K)NoNoJul 2026
8Ibotta: Save & Earn Cash BackIbotta: Save & Earn Cash BackFree4.8โ˜… (2M)YesNoJul 2026

Top Picks for Cash Back Plus Pay

CashBack+ Pay#1

CashBack+ Pay by Prizeout Corp.

Earn instant cashback!
Editor's Choice
๐Ÿ›๏ธ Shopping
4.8๐Ÿ˜Š(350 ratings)
FreeAds
CashBack+ Pay screenshot 1
CashBack+ Pay screenshot 2
CashBack+ Pay screenshot 3
CashBack+ Pay screenshot 4
CashBack+ Pay screenshot 5
CashBack+ Pay screenshot 6

Earn instant cashback on everyday purchases with this app. Connect your credit union account and pay in-store or online with top brands to receive immediate rewards. Enjoy no exclusions or waiting periods for your earned cashback.

What We Love

  • ๐Ÿ’ฐ Earn money while shopping
  • โšก Easy and convenient to use
  • ๐Ÿ’ณ Seamless integration with bank/credit union
  • ๐Ÿ† Generous cash back percentages

Room to Improve

  • ๐Ÿค” Occasional login/setup issues
  • ๐Ÿคทโ€โ™€๏ธ Gift card balances not always updated
  • ๐Ÿ™„ Forgetting to use the app
Cash App#2

Cash App by Block, Inc.

Money. Debit Card. Bitcoin.
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(8.5M ratings)
Free
#5in Finance
Cash App screenshot 1
Cash App screenshot 2
Cash App screenshot 3
Cash App screenshot 4
Cash App screenshot 5
Cash App screenshot 6

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

What We Love

  • ๐Ÿ’ณ Easy money transferring
  • ๐Ÿš€ Convenient and user-friendly app
  • ๐Ÿค‘ Referral bonuses and discounts
  • ๐Ÿค‘ Free tax filing

Room to Improve

  • ๐Ÿ”’ Security issues and account hacking
  • ๐Ÿค– Poor customer service and lack of live support
  • ๐Ÿ’ฐ Unexpected fees and charges
Affirm: Buy now, pay over time#3

Affirm: Buy now, pay over time by Affirm, Inc.

Flexible payments, big savings
Worth Considering
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜ž(1.7M ratings)
Free
#21in Shopping
Affirm: Buy now, pay over time screenshot 1
Affirm: Buy now, pay over time screenshot 2
Affirm: Buy now, pay over time screenshot 3
Affirm: Buy now, pay over time screenshot 4
Affirm: Buy now, pay over time screenshot 5
Affirm: Buy now, pay over time screenshot 6

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

What We Love

  • ๐Ÿ™ Helpful in tough times
  • ๐Ÿ’ณ Convenient financing option
  • ๐Ÿ“ˆ Improved credit score

Room to Improve

  • ๐Ÿค” Confusing payment process
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿ” Difficulty verifying identity

More Cash Back Plus Pay apps to explore

4
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
5
Rakuten: Cash Back & Deals
Rakuten: Cash Back & Deals
Rakuten: Cash Back & Deals
Earn rewards & find coupons
Free

Earn cash back and discover deals from thousands of stores. Automatically apply coupons at checkout and get paid via PayPal or check. Refer friends to earn more rewards.

Earn cash back on purchasesStack cash back with couponsAutomatic coupon application
๐Ÿ›๏ธ Shopping
(362K)
free with in-app purchases
6
Upside: Gas & Food Cash Back
Upside: Gas & Food Cash Back
Upside: Gas & Food Cash Back
Shop & earn on grocery & fuel
Free

Earn cash back on everyday purchases like gas, groceries, and dining. Simply claim offers in the app, pay as usual, and get rewards directly to your bank account or as gift cards. Save money on essential spending and enjoy more of what you love.

Earn cash back on gas, groceries, and diningOver 100,000 participating locationsAverage 8% cash back on groceries and dining
โœˆ๏ธ Travel
(670K)
free with in-app purchases
7
ShopBack - Deine Cashback App
ShopBack - Deine Cashback App
ShopBack - Deine Cashback App
Sicher dir bis zu 50% Cashback
Free

Earn money back on your purchases by shopping through this app. Discover deals, use coupon codes, and get rewarded with cashback on online and in-store purchases. Withdraw your earnings easily via PayPal or bank transfer.

Earn cashback on online shoppingDiscover deals and coupon codesComplete shopping quests for bonus rewards
๐Ÿ›๏ธ Shopping
(1.8K)
free
8
Ibotta: Save & Earn Cash Back
Ibotta: Save & Earn Cash Back
Ibotta: Save & Earn Cash Back
Make Money Shopping Every Day
Free

Earn real cash back on everyday purchases by redeeming offers before you shop. Simply add offers, shop in-store or online, and upload your receipt or link your loyalty card to get paid. Withdraw earnings to your bank, PayPal, or as gift cards.

Earn cash back on everyday purchasesRedeem offers before shoppingUpload receipts for rewards
๐Ÿ›๏ธ Shopping
(2M)
free with in-app purchases
9
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
10
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
๐Ÿ›๏ธ Shopping
(752K)
free with in-app purchases
11
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
๐Ÿ’ผ Business
(40K)
free
12
Grant Cash Advance
Grant Cash Advance
Grant Cash Advance
Get Cash Fast, No Credit Check
Free

Access quick cash advances between $25 and $500 without a credit check. Cover essential bills or unexpected expenses with same-day delivery options. Repay automatically with your next paycheck.

Cash advances from $25 to $500No credit check requiredOptional same-day delivery
๐Ÿ’ฐ Finance
(187K)
free with in-app purchases
13
B9: Cash Advance
B9: Cash Advance
B9: Cash Advance
Up to $1k Before Next Pay Day
Free

Access your paycheck early with cash advances that grow with your direct deposits. This banking app offers simple financial tools, rewards, and opportunities to earn extra money directly from your phone.

Early paycheck accessCash advances up to $1kAdvance limit grows with direct deposit
๐Ÿ’ฐ Finance
(18K)
subscription
14
Gerald - Cash Advance
Gerald - Cash Advance
Gerald - Cash Advance
Get Cash Fast, No Credit Check
Free

Access instant cash advances for everyday essentials and household items without credit checks, interest, or hidden fees. Earn rewards and play games to fund future purchases.

Buy Now, Pay Later with AdvanceInstant FREE Cash Advance TransferStore Rewards
๐Ÿ’ฐ Finance
(28K)
free with in-app purchases
15
BeFrugal Cash Back & Coupons
BeFrugal Cash Back & Coupons
BeFrugal Cash Back & Coupons
by Capital Intellect Inc.
Free

Earn cash back and find coupons for thousands of online and in-store retailers. Get discounts on clothing, electronics, travel, restaurants, and entertainment. Receive your earnings through PayPal, check, direct deposit, or gift cards.

Up to 40% cash back at 5000+ storesCoupons for 50,000+ storesRestaurant coupons
๐Ÿ›๏ธ Shopping
(7.5K)
free with in-app purchases
16
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Get $25-$500* in Minutes
Free

Access fast cash advances, build credit history without a card, and manage your finances with smart budgeting tools. Get personalized loan offers, earn extra money, and protect your identity. Offers free financial insights and paid plans for enhanced features.

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners
๐Ÿ’ฐ Finance
(531K)
free with in-app purchases
17
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
๐Ÿ’ฐ Finance
(359K)
free with in-app purchases
18
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
๐Ÿ›๏ธ Shopping
(831K)
free with in-app purchases
19
Pogo: Earn Cash & Rewards
Pogo: Earn Cash & Rewards
Pogo: Earn Cash & Rewards
Receipts, Games & Surveys
Free

Earn rewards on every purchase and discover automatic savings on everyday expenses like groceries, bills, and insurance. Play games, take surveys, or scan receipts for extra rewards. Cash out your earnings easily via Venmo or PayPal.

Rewards on every purchaseAutomatic savingsEarn from games and surveys
๐Ÿ›๏ธ Shopping
(137K)
ad-supported
20
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Vola: Cash Advance & Credit
Improve Credit health & Save
Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Instant cash advances up to $500No interest, no credit checkBuild credit by reporting rent
๐Ÿ’ฐ Finance
(34K)
free

FAQ about Cash Back Plus Pay

What are the best cash back plus pay apps for iPhone?
CashBack+ Pay tops our cash back plus pay apps ranking as of July 2026, with a 4.8-star average from 350 App Store ratings, and it's free to download.
Yes โ€” 20 of the top cash back plus pay apps we rank are free to download, including CashBack+ Pay and Cash App.
CashBack+ Pay shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 216+ cash back plus pay apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
CashBack+ Pay allows credit union members to earn instant cashback on their purchases. You can use it both in-store and online with a variety of top brands. Your cashback is added to your account immediately after payment.
To begin, download the CashBack+ Pay app and securely connect your credit union account. Then, choose to pay either in-store or online using the app to start earning cashback from participating retailers.