15 Legit Cashback Sites in Canada

Which cashback sites are actually worth your time?

Cashback sites and apps give you a portion of your money back when you shop at a partner retailer. So if you spend $100 at a store that pays 5% cashback, you get $5 back.

Shopping through cashback sites is a great way to get rewarded simply for doing your regular shopping. So if you’re a sucker for savings, here are 15 legit cashback sites in Canada to check out.

1. Finder Canada

Finder Logo
  • How much you can earn: $25 to $250+ per transaction.
  • How it works: Finder rewards you for taking a specific action through its website, such as signing up for a new bank account or credit card. You can stack these offers with the banks’ welcome bonuses.
  • How to earn: Apply through the Finder website. Learn about Finder Rewards.
  • Requires spending first: No.

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2. Swagbucks

Swagbucks logo
  • How much you can earn: 1% – 10% cashback bonus. Surveys, games and other offers provide rewards ranging anywhere from $0.50 to $100+.
  • How it works: Swagbucks pays cashback when you shop online at its network of partner retailers. You can also earn reward points by completing surveys, playing mobile games and signing up for special offers.
  • How to earn: Shop online in the Swagbucks Shop to earn cashback on each purchase. You can also shop via a browser extension, or earn cashback by purchasing specific grocery products and then scanning your receipts.
  • Requires spending first: Yes.

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Finder Reward

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  • Access a variety of tasks
  • Make an average of $300 per offer
  • Get a $5 CAD sign-up bonus when you start your first offer

Best for Mobile

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  • Earn up to $800 through offers
  • No limit on how much you play games or complete surveys
  • Earn money while playing games

Paid Surveys

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  • Earn up to $100 per month in rewards
  • Finder readers receive 2,000 LEO welcome bonus points
  • Free, user-friendly, and secure app and website

3. Rakuten

Rakuten Logo
  • How much you can earn: Usually 1% – 10%, but more on some offers.
  • How it works: Earn cashback when you purchase from over 750 partner stores when you shop through Rakuten.
  • How to earn: Make a purchase when you click through to the retailer’s website from the Rakuten site or use the Rakuten app. You can also earn cashback when you link a credit card to your account and shop in-store at some partner retailers.
  • Requires spending first: Yes.

4. Great Canadian Rebates

Great Canadian Rebates Logo
  • How much you can earn: 1% – 10% cashback bonus. Credit card rebates commonly range from $30 – $200.
  • How it works: Great Canadian Rebates offers cashback rebates and discount coupons to online shoppers who purchase from over 900 partner retailers. It also offers rebates to users who apply for credit cards at partner financial institutions.
  • How to earn: Log in to your account and click through to the merchant’s website from the relevant link on Great Canadian Rebates. Once you make a purchase, Great Canadian Rebates receives a commission, some of which is passed on to you as cashback.
  • Requires spending first: Yes.

5. TopCashback

Top Cashback Logo
  • How much you can earn: 1% – 10%. TopCashback says members earn an average of $450 a year.
  • How it works: Earn cashback when you purchase from a partner retailer featured on TopCashback.
  • How to earn: You must first visit the TopCashback website, then click through to the retailer’s site. When you make a purchase, the retailer pays a commission to TopCashback, which is then passed on to you. You can also earn cashback when you buy gift cards from the TopCashback shop.
  • Requires spending first: Yes.

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6. Paymi

Paymi Logo
  • How much you can earn: 1% – 20% cashback.
  • How it works: Paymi has partnered with 17 Canadian banks and credit unions so you can add cashback rewards to your credit or debit card. The platform accesses read-only transaction data to identify when you make a purchase with one of its retail partners in-store or online.
  • How to earn: Link a debit or credit card from a participating financial institution to Paymi. When you use your card to shop at one of hundreds of partner retailers, cashback will be credited to your Paymi account.
  • Requires spending first: Yes.

7. Neo Financial

Neo Financial Logo
  • How much you can earn: 1% cashback on gas and groceries, or 2% cashback on gas and groceries and 0.5% on everything else if you have at least $5,000 in your Everyday Account. Other cashback offers are also available from retail partners.
  • How it works: The Neo Financial Everyday Account can be paired with a prepaid Mastercard to earn cashback on your spending.
  • How to earn: Add a Neo Money Card to your Neo Financial Everyday Account to earn cashback on your eligible purchases. Cashback rewards are also available with Neo’s range of credit cards.
  • Requires spending first: Yes.

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8. BeFrugal

BeFrugal Logo
  • How much you can earn: Up to 40% cashback.
  • How it works: BeFrugal is a free platform that pays cashback when you shop online at its network of over 5,000 partner retailers.
  • How to earn: Sign up to BeFrugal and then shop at partner retailers online. You’ll need to start your shopping journey on the BeFrugal website for cashback to be tracked correctly. Alternatively, shop through the BeFrugal mobile app, or use the BeFrugal browser extension so you can activate cashback directly on the merchant’s website.
  • Requires spending first: Yes.

9. Avion Rewards

Avion Rewards Logo
  • How much you can earn: Up to 40% cashback bonus, save 3 cents per litre on gasoline at Petro-Canada.
  • How it works: Avion Rewards is RBC’s loyalty program. It offers cashback when you shop at over 2,000 partner brands. Access extra rewards if you use an RBC credit or debit card.
  • How to earn: Earn cashback when you shop at partner brands through the Avion Rewards app and the Avion Rewards ShopPlus Chrome extension. Cashback deals and savings are also available in-store at some partner retailers.
  • Requires spending first: Yes.

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10. Snaplii

Snaplii Logo
  • How much you can earn: 5 – 15% cashback bonus.
  • How it works: You earn cashback in the form of Snaplii Cash by shopping for digital gift cards at partner retailers through the Snaplii app. 1 Snaplii Cash = $1.
  • How to earn: Make a purchase from over 400 participating retailers in Snaplii’s Shop. Your Snaplii Cash will then be instantly credited to your account.
  • Requires spending first: Yes.

11. Caddle

Caddle logo
  • How much you can earn: $0.10 – $2 per task/receipt, but some offers may have higher rewards.
  • How it works: Caddle is a cashback app that rewards members with Cash Back Credits for answering surveys, watching ads, writing product reviews, signing up for email newsletter lists and uploading receipts.
  • How to earn: Download the Caddle app and review current offers on the home screen. Coupon offers require you to purchase a specific item and then upload a photo of your receipt in the app. You may also get a follow-up review offer at a later date that allows you to earn feedback by writing an honest review for a product you purchased.
  • Requires spending first: Some offers do, but others don’t.

12. Checkout 51

Checkout51 Logo
  • How much you can earn: Typically $0.50 – $5.00 cashback bonus per item.
  • How it works: Checkout 51 lets you earn cashback on your day-to-day shopping for groceries and essentials.
  • How to earn: Download the Checkout 51 app. Weekly cashback offers go live in the app each Thursday. Add the offers you want to your shopping list and tick off the items you purchase. You will then need to take photos of your receipts and upload them to be credited with cashback.
  • Requires spending first: Yes.

13. ReceiptJar

Receipt Jar Logo
  • How much you can earn: 5 – 20 Points per receipt. 1,000 Points equal $5, so you’ll need 50 to 200 receipts.
  • How it works: ReceiptJar pays Points when you upload offline and online receipts from over 11,000 stores. You can also earn Points by referring friends, completing surveys and playing the Shakes game.
  • How to earn: Shop in-store or online at one of the stores for which ReceiptJar accepts receipts. Upload a photo using the ReceiptJar app as soon as possible to get credited with Points.
  • Requires spending first: Yes.

14. Receipt Hog

Receipt Hog Logo
  • How much you can earn: 5 – 20 coins per receipt. 1,000 coins equal $5, but coins are worth more when redeemed for larger withdrawals.
  • How it works: Receipt Hog pays you coins, slot spins and sweepstakes entries when you upload your in-store and online shopping receipts.
  • How to earn: When you shop in-store at any retailer, you can take photos of your receipts and upload them to the Receipt Hog app. If you shop online, you can connect your email address to your Receipt Hog account to upload your digital receipts. Some receipts, such as grocery, pharmacy and pet supply purchases, earn coins that can be redeemed for cash. Others, like gas or home improvement receipts, earn other rewards such as slot spins and sweepstakes entries.
  • Requires spending first: Yes.

15. GeniusCash

Genius Cash Logo
  • How much you can earn: $25 to $250+ per product.
  • How it works: GeniusCash is a cashback rewards app designed to help you earn maximum rewards when you sign up for financial products. It provides access to exclusive offers and deals, plus customized spending recommendations to ensure that you increase your cashback rewards.
  • How to earn: Download the GeniusCash app to compare financial products, special offers and customized recommendations. When you apply for a new product, you will earn cashback rewards. You can also link your credit cards to your account to receive tips on how you can use your cards to maximize your rewards.
  • Requires spending first: It depends on the offer.

Summary of cashback sites in Canada

SiteBest forHow much you can earnHow to earn cashbackEffort level
Finder CanadaHigh-value bonuses$40 – $200+ per transactionApply through the Finder website.Low
SwagbucksVariety of tasks1% – 10% cashback. Other offers provide rewards ranging anywhere from $0.50 to $100+.Shop online, take long-form surveys, or install and play new mobile games.Low to high, depending on the task
RakutenGeneral online shopping1% – 10% cashbackStart your shopping at Rakuten.ca or use their browser extension.Low
Great Canadian RebatesFinance and utility stacking1% – 10% cashback. Credit card rebates commonly range from $30 – $200.Use their portal for credit cards and Canadian retailers.Low
TopCashbackGeneral online shopping1% – 10% cashbackShop online; they claim to pass the entire commission to you.Low
PaymiDebit and credit card cashback1% – 20% cashbackLink any Canadian debit/credit card; shop at partner retailers.Low
Neo FinancialGas and groceries1% cashback on gas and groceries, or 2% cashback on gas and groceries and 0.5% on everything else if you have at least $5,000 in your Everyday Account. Other cashback offers also available from retail partners.Use a Neo Mastercard or Money account at thousands of local partners.Low to medium
BeFrugalCoupon and rate matchingUp to 40% cashbackShop via their online portal, app or browser extension.Low
Avion RewardsWide range of rewards and perks3¢/L off gas + up to 40% cashback(Formerly Ampli) Link your cards (RBC or other) and shop online or in-store at partner retailers.Low
SnapliiInstant gift card savings5% – 15% cashbackEarn instant cashback when you buy digital gift cards from over 400 partner brands.Low
CaddleGroceries and quick tasks$0.10 – $2.00 per task/receipt, but some offers may have higher rewardsUpload receipts, answer 30-second surveys, watch short ads, write product reviews, sign up to mailing lists.Medium to high
Checkout 51Groceries$0.50 – $5.00 per itemBuy specific products listed in the app and upload your receipt.High
Receipt JarAll receipts5 – 20 points per receipt. NB: 1,000 points = $5Upload any paper or digital receipt from any store to earn points for e-gift cards or cash via PayPal.High
Receipt HogAll receipts5 – 20 coins per receipt. NB: 1,000 coins = $5Upload in-store and online receipts to earn “coins”, slot spins and sweepstakes entries.High
GeniusCashStacking credit card offers$25 to $250+ per productApply for credit cards and other financial products via the app or site; get paid via e-Transfer or PayPal.Low

What are the best cashback sites in Canada?

The best cashback sites in Canada include Rakuten, Swagbucks and Snaplii. These sites offer user-friendly shopping platforms and access to multiple retail partners. Each has its own strengths. If you’re shopping for digital gift cards, Snaplii is worth checking out. If you want a variety of tasks to earn cash, then Swagbucks is a solid option. And if you’re looking for a general-purpose cashback platform, it’s hard to go past Rakuten.

Finder and GeniusCash are also worth a look if you want big bonuses. Ultimately, you need to compare cashback sites and offers alongside your regular shopping needs to decide which platforms are the best options for you.

How should I “stack” these cashback sites to maximize my earnings?

It’s easy to boost your cashback earnings by combining multiple rewards sources on a single purchase. When you combine a rewards credit card, a cashback shopping platform, a store loyalty program and a site that rewards you for uploading receipts, you can potentially earn cashback multiple times on one transaction.

Let’s look at some popular examples of cashback stacks you might like to try.

Overall stack

  • Shop online at Rakuten to earn 1% – 10% cashback.
  • Pay for your purchase with the cash back credit card of your choice. One option is the Tangerine Money-Back World Mastercard, which pays unlimited 2% cashback on 3 spending categories of your choice.
  • Upload your receipts to an app like Receipt Hog or Receipt Jar to earn up to 20 points (worth approx. $0.005).

Grocery stack

Here’s a simple stack that can help you earn more cashback on your day-to-day grocery spending:

  • Let’s say you spend $200 on your weekly grocery shop.
  • Activate weekly offers in Checkout 51 for items you regularly purchase. Let’s say there are two items in your weekly shop, which will equate to anywhere from $1 to $10 cashback when you upload your receipt.
  • Pay for your purchases with a BMO CashBack World Elite Mastercard, which offers 5% cashback on groceries ($10).
  • You’ve just saved up to $20 off your grocery bill.

Dining out (or home delivery) stack

Hate cooking? Here’s how to get rewarded for your healthy appetite for restaurant and home-delivered meals:

  • Dining out? Pay with the American Express Cobalt Card, and you’ll earn 5x points for every $1 spent. Upload your receipt to ReceiptJar to earn up to 20 points (approx. $0.005).
  • Ordering home delivery? Buy an Uber Eats e-gift card on Snaplii and earn 7% cashback. Pay with a Simplii Financial Cash Back Visa, which offers 4% cashback.

Online shopping stack

Let’s look at an example of another stack that can help people who do most of their shopping online:

  • Shop online at Rakuten, where you spend $100 on beauty products at MAC Cosmetics and earn 4% cashback ($4).
  • If you pay with a Scotiabank Scene+ Visa Credit Card, you’ll also earn 100 Scene+ points ($1).
  • Link your Scene+ membership card to Rakuten, and you also earn 100 Scene+ points for every $1 of cashback you earn shopping through Rakuten ($4).
  • Upload your MAC Cosmetics purchase receipt to Receipt Hog to earn 20 points (approx. $0.005).

Driving stack

Cover a lot of kilometres behind the wheel each week? Use this cashback stack to save on gas:

  • Pay with a Scotiabank Momentum Visa Infinite to get 4% cashback.
  • Become a Petro-Canada Petro-Points member to get 10 Petro-Points per litre of fuel (1,000 points = $1).
  • If you’re an Avion Premium member, link an eligible RBC card to your Petro-Points membership to save 3 cents per litre on fuel, plus earn 20% more Petro-Points and 20% more Avion points.

Can you combine cashback sites with credit card perks?

Yes! In fact, combining cashback sites with credit card perks is a great way to increase your earning potential. All you have to do is make your purchase by clicking through the cashback site, app or browser extension, then pay with the cashback rewards credit card of your choice.

This is a simple and effective way to boost your rewards, but there are a few factors to be aware of:

  • Cashback rates vary. Many cards pay different cashback rates across different spending categories. The credit card that pays the highest rewards for gas and grocery purchases may offer a much lower rate for online shopping, for example.
  • Limits apply. Many cards limit the maximum amount of cashback you can earn per month or per year, so check the fine print.
  • Annual fees. The cards that pay the highest rewards generally come with annual fees. You will need to work out whether the cashback rewards and other card perks are enough to offset the annual fee, or otherwise opt for a no-fee card.

What are the scams or risks to watch out for?

  • Potential for overspending. Be careful not to let a juicy cashback offer tempt you into making a purchase you don’t need. Only use cashback sites for your regular spending.
  • Privacy concerns. Check the fine print of any cashback site or app to find out how your shopping data will be used. What information is collected, how is it stored, and is it sold to advertisers or other third parties?
  • Tracking failures. Research just about any cashback platform, and you’ll find complaints from users who claim that they made the required purchase but didn’t receive cashback. Check with the cashback site about how to avoid tracking errors (like downloading a browser extension or turning off ad blockers) and what you can do if you think you’re owed cashback.
  • Slow payouts. Check the fine print to find out how long you will have to wait for the cashback to be credited to your account and how long it will take for your withdrawal to be processed.
  • High minimum withdrawals. You don’t want to be waiting ages to get your hands on your money, so check the site’s minimum withdrawal limit before signing up.
  • Scam sites. Fake cashback sites use phishing tactics to try to capture your sensitive personal information and credit card details. Research any site or app carefully to make sure it’s legit before you create an account.

Bottom line

Searching for the best cashback sites in Canada? You’re spoilt for choice. Compare platforms to find the sites that offer the most lucrative rewards for the shopping you do, and stack cashback sites with credit card cashback and other rewards to maximize your returns.

Frequently asked questions

Sources

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To make sure you get accurate and helpful information, this guide has been edited by Leanne Escobal as part of our fact-checking process.
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Tim Falk is a freelance writer for Finder. Over the course of his 20-year writing career, he has reported on a wide range of personal finance topics. Whether you're investing in stocks and ETFs, comparing savings accounts or choosing a credit card, Tim wants to make it easier for you to understand. When he’s not staring at his computer, you can usually find him exploring the great outdoors. See full bio

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