Saving money

5 mins

Top 4 FREE Cashback Apps in Canada to Save You More Money

person using black smartphone with grey and pink case
person using black smartphone with grey and pink case

Author

Krista Fabbro

Published

Jan 29, 2025

Looking for easy ways to stretch your dollar? 

We've done some digging to find the best free cashback apps in Canada that can help you save money on your everyday purchases. These apps are simple to use and can put extra cash back in your pocket without much effort (or any fees).

Keep scrolling to see our top four free cashback apps for Canadians and start saving today!

These 5 must-know tips will help you save money in Canada.

1. Rakuten

Formerly Ebates, Rakuten has been around for a while and is pretty popular in the cashback world. When you shop through Rakuten at your favourite online stores, you earn a percentage of your purchase back in cash. 

How It Works

After signing up, simply start online shopping through their website or app. Earnings are paid out every quarter and you can choose between PayPal or cheque.  

Why We Like It

  • 750+ participating stores

  • Up to 30% cashback

  • Browser extension automatically applies cashback and coupons when you shop online

  • In-app exclusive offers 

  • Referral bonus of $30 per referral 

  • Earn cashback on gift cards 

  • Link a credit card to your account to earn cashback in-store

2. Checkout 51

Checkout 51 takes a specific approach to cashback, focusing on grocery and household items. It's great for saving on everyday essentials.

How It Works

Each week, Checkout 51 updates with new offers. You browse these deals before you shop, buy the products at any store, and then upload your receipt through the app. Once your purchase is verified, you'll earn cashback. 

Why We Like It

  • Offers are not specific to a store

  • Wide selection of grocery and drugstore brands 

  • Cashback on online purchases

  • Some offers can be claimed multiple times

  • Stack savings by using coupons 

  • By linking a loyalty card, you don’t have to upload a receipt  

Save on groceries in Canada with these 6 hacks.

3. Great Canadian Rebates

As the name suggests, Great Canadian Rebates (GCR) is an OG cashback site made for Canadians. It works similarly to other cashback apps in Canada, but focuses on Canadian retailers and services.

How It Works

Despite a bit of a clunky interface, GCR is in a league of its own with its list of Canadian-specific deals on travel, financial services, and popular Canadian brands. Once you create an account, click through their links before shopping online to earn a percentage of your purchase back as cash. 

Why We Like It

  • 25% referral bonus on rebates your referrals collect

  • Flexible payout options include eGift cards and Direct Deposit 

  • Low minimum payout threshold of $10 (eGift card only, PayPal and Direct Deposit are $12)

  • 4% bonus cashback with eGift card option

  • Extensive list of Canadian-specific offers

  • All rebates are paid in Canadian Dollars

  • Mobile app available

  • $3 sign-up bonus available 

  • List of current coupon codes 

4. Paymi

Paymi’s offers are more automatic, meaning the required effort on your part is very low. Unlike most other cashback apps, Paymi works directly with your credit and debit cards.

How It Works

Once you sign up for Paymi, you’re able to securely link your cards. Then, just shop as usual at participating stores. Paymi automatically detects eligible purchases and adds cashback to your account. No need to activate offers or upload receipts—truly set-it-and-forget-it.

Why We Like It

  • Partner of CIBC

  • Bank-level security and protection 

  • Covers online and in-store purchases

  • Referral bonus of $5 per referral

  • Low minimum payout threshold of $2

  • Send rewards straight to your bank account with e-Transfer

  • Opportunities to double-up earnings 

Speaking of apps, these budget apps are the best for managing money.

Put Cash Back in Your Pocket

These four cashback apps in Canada offer easy ways for Canadians to save on everyday purchases. Used wisely, they can help stretch your budget further and put more money back in your pocket over time. Make them a part of your shopping routine, but don't let them tempt you into unnecessary spending

Why not give them a try? They're all free to use, easy to set up, and could help you save hundreds of dollars a year!

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No credit check?
No interest?
No kidding.

No credit check?
No interest?
No kidding.

No credit check?
No interest?
No kidding.

© 2024 MoneyUp. All rights reserved.

Financial Implications & Maximum APR - MoneyUp offers the FastForward Personal Line of Credit to Canadian residents only (excluding Quebec and Saskatchewan) to a maximum APR (Annual Percentage Rate) of 30.4%. Approvals are subject to MoneyUp’s review and underwriting guidelines which are subject to change at any time. Should you draw against your credit limit, the first payment is due on a date within 31 days of activating your FastForward personal line of credit and can be extended upon request.


Representative Example - A $500 FastForward Line of Credit advanced for 1 month at 0% interest, a one-time Transaction Fee of 2.5% for a total repayment including the Transaction Fee of $512.50. This total repayment assumes money is advanced with no optional service fees or default fees charged.


Suite 200, 4803 87 Street, Edmonton, Alberta

© 2024 MoneyUp. All rights reserved.

Financial Implications & Maximum APR - MoneyUp offers the FastForward Personal Line of Credit to Canadian residents only (excluding Quebec and Saskatchewan) to a maximum APR (Annual Percentage Rate) of 30.4%. Approvals are subject to MoneyUp’s review and underwriting guidelines which are subject to change at any time. Should you draw against your credit limit, the first payment is due on a date within 31 days of activating your FastForward personal line of credit and can be extended upon request.


Representative Example - A $500 FastForward Line of Credit advanced for 1 month at 0% interest, a one-time Transaction Fee of 2.5% for a total repayment including the Transaction Fee of $512.50. This total repayment assumes money is advanced with no optional service fees or default fees charged.


Suite 200, 4803 87 Street, Edmonton, Alberta

© 2024 MoneyUp. All rights reserved.

Financial Implications & Maximum APR - MoneyUp offers the FastForward Personal Line of Credit to Canadian residents only (excluding Quebec and Saskatchewan) to a maximum APR (Annual Percentage Rate) of 30.4%. Approvals are subject to MoneyUp’s review and underwriting guidelines which are subject to change at any time. Should you draw against your credit limit, the first payment is due on a date within 31 days of activating your FastForward personal line of credit and can be extended upon request.


Representative Example - A $500 FastForward Line of Credit advanced for 1 month at 0% interest, a one-time Transaction Fee of 2.5% for a total repayment including the Transaction Fee of $512.50. This total repayment assumes money is advanced with no optional service fees or default fees charged.


Suite 200, 4803 87 Street, Edmonton, Alberta

© 2024 MoneyUp. All rights reserved.

Financial Implications & Maximum APR - MoneyUp offers the FastForward Personal Line of Credit to Canadian residents only (excluding Quebec and Saskatchewan) to a maximum APR (Annual Percentage Rate) of 30.4%. Approvals are subject to MoneyUp’s review and underwriting guidelines which are subject to change at any time. Should you draw against your credit limit, the first payment is due on a date within 31 days of activating your FastForward personal line of credit and can be extended upon request.


Representative Example - A $500 FastForward Line of Credit advanced for 1 month at 0% interest, a one-time Transaction Fee of 2.5% for a total repayment including the Transaction Fee of $512.50. This total repayment assumes money is advanced with no optional service fees or default fees charged.


Suite 200, 4803 87 Street, Edmonton, Alberta