Best Cash Back Plus Pay Apps

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.

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.

Cash App

Money. Debit Card. Bitcoin.

Free

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.

Upside: Gas & Food Cash Back

Shop & save 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.

TopCashback: Cash Back & Deals

Save money on 7000+ brands

Free

Earn cash back on purchases from over 7,000 retailers. Simply sign up, find offers, and make purchases to have your spending tracked and cash back added to your account. Receive bonuses and exclusive deals from top brands.

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

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.

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.

ShopBack: Cashback & Rewards

Save money while shopping

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.

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.

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.

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.

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.

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.

B9: Cash Advance

No Credit Check Payday Advance

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.

Neobanc - Cash Back on Bills

Save on Credit Card, Rent, CRA

Free

Earn cash back on everyday expenses like bills and rent. Maximize credit card rewards by stacking them with the app's cashback offers. Build credit history with optional rent reporting.

ATM Cash Advance・Instant Money

Earn Real Cash・Quick Advances

Free

Access quick cash advances without a credit check, interest, or late fees to cover emergencies. Earn extra money by playing games, answering surveys, and utilizing cashback offers.

MoneyLion: Cash Advance App

Cashback rewards & Loan Offers

Free

Access mobile banking, personal finance tools, and cash advances. Earn cashback rewards and explore loan offers. Build credit with a membership and get paid up to two days early with direct deposit.