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Earn Cash Back On Your Shopping Sprees With These 6 Apps

Stop leaving extra cash on the table.

Finance

There's nothing like the rush of finding a dress that hits your body in all the right places or the perfect pair of stilettos to match your little black dress. But, sometimes this rush fades after realizing the amount of money you spent on your must-have items. What if there was a way to minimize your shopping guilt while making a bit of extra cash? Lucky for you, there are several apps offering cashback on your shopping spree items.


1. Rakuten

Rakuten is perfect for the woman who loves to shop anywhere and everywhere since you'll have over 2,500 stores to pick from. Whether it's beauty, travel, or clothes, Rakuten offers promotions, coupons, and discounts. It makes earning cashback easy since they offer a free mobile app and browser extension to connect you to your favorite store.

This online retailing platform is completely free because the retailer pays Rakuten a commission on the purchases made by Rakuten members. Rakuten then gives the customer a cut of the commission in the form of cashback. Plus, new members receive a bonus when they make their first purchase. Every three months, members get to look forward to receiving their cashback.

2. RetailMeNot

RetailMeNot is a phenomenal opportunity to find the best coupons that'll save you a ton of money while shopping. This digital destination connects consumers with retailers, brands, and restaurants through in-store and online offers. With over 200,000 offers RetailMeNot helps customers find the best coupons and earn cashback that'll be in their wallet in 45 days or less.

They're so dedicated to finding lucrative offers for their customers that their free app uses GPS technology to alert you to offers in your area. If shopping in person isn't your preference, then download their browser extension to automatically be alerted to any discounts on your favorite e-commerce sites. RetailMeNot is a great way to make sure you're always getting the best bang for your buck.

3. CoinOut

Before throwing away those pesky receipts, download CoinOut to earn cash rewards for your everyday purchases. It's as simple as making a purchase at almost any retailer and taking a photo of your receipt using the CoinOut App. After uploading receipts, you'll receive random cash rewards. The benefits don't stop there. CoinOut also rewards you for shopping at online retailers through CoinOut and they have opportunities to earn rewards from their partners, such as through surveys.

4. ShopKick

Shopkick is the digital place to score in-store and online rewards. Shopkick doesn't provide cash rewards, but they provide the next big thing. They allow you to exchange your reward points for gift cards at major retailers, such as Best Buy, Target, and even Starbucks, and do so through gift cards! It's very simple to earn rewards, or "kicks" as they call it. So easy that you don't even have to purchase anything to start earning reward points. You can earn points by scanning qualifying items' barcodes in-store using their app or simply by walking into the store.

Earn even more points when you make purchases through a connected card or taking photos of your receipts from various retailers including TJ Maxx, Marshalls, and many more. Plus, you can receive reward points simply by watching videos and learning about new products offered in the app.

5. TopCashback 

TopCashback is a go-to for shoppers who rather shop online than in-person. They offer cashback on any purchase from their partner retailers, except for groceries, made through their app or website. Additionally, they offer promotion codes that give amazing discounts on top of the cashback earnings and they promise to match any cashback offer from their retail partners you find off of their platform.

Within 1 to 3 months of making a purchase, TopCash back will pay you 100% of the referral fee received from their retailer partners. Some of their retail partners include Amazon, Bloomingdale's, and H&M.

6. Dosh

Dosh provides automatic cash back at thousands of places, whether shopping, dining, or booking hotels. Dosh is a perfect match for a woman going on a shopping spree because they have retailers like Sephora, ASOS, and a plethora of other options. They make it simple since you don't have to scan receipts nor use coupons. Easily link your card to their app or make purchases through payment platforms that are complementary to Dosh's cashback experience, like Venmo or Jelli.

Unlike other cashback apps, you don't even have to wait for Dosh to pay you. They automatically deposit the funds into your Dosh wallet. Once you accumulate at least $25, you can transfer your earnings into your bank, PayPal, or Venmo.

Now that you know the amount of cash you could be leaving on the table, you should determine which app is right for you and head over to the app store and download one of the aforementioned apps pronto. Or, maybe all of the apps are right for you because they provide a variety of qualifying retailers and different methods to save money. Either way, having at least one of these apps in your back pocket is sure to put extra money in your pocket.

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Featured image by Luis Alvarez/Getty Images

ACLU By ACLUSponsored

Over the past four years, we grew accustomed to a regular barrage of blatant, segregationist-style racism from the White House. Donald Trump tweeted that “the Squad," four Democratic Congresswomen who are Black, Latinx, and South Asian, should “go back" to the “corrupt" countries they came from; that same year, he called Elizabeth Warren “Pocahontas," mocking her belief that she might be descended from Native American ancestors.

But as outrageous as the racist comments Trump regularly spewed were, the racially unjust governmental actions his administration took and, in the case of COVID-19, didn't take, impacted millions more — especially Black and Brown people.

To begin to heal and move toward real racial justice, we must address not only the harms of the past four years, but also the harms tracing back to this country's origins. Racism has played an active role in the creation of our systems of education, health care, ownership, and employment, and virtually every other facet of life since this nation's founding.

Our history has shown us that it's not enough to take racist policies off the books if we are going to achieve true justice. Those past policies have structured our society and created deeply-rooted patterns and practices that can only be disrupted and reformed with new policies of similar strength and efficacy. In short, a systemic problem requires a systemic solution. To combat systemic racism, we must pursue systemic equality.

What is Systemic Racism?

A system is a collection of elements that are organized for a common purpose. Racism in America is a system that combines economic, political, and social components. That system specifically disempowers and disenfranchises Black people, while maintaining and expanding implicit and explicit advantages for white people, leading to better opportunities in jobs, education, and housing, and discrimination in the criminal legal system. For example, the country's voting systems empower white voters at the expense of voters of color, resulting in an unequal system of governance in which those communities have little voice and representation, even in policies that directly impact them.

Systemic Equality is a Systemic Solution

In the years ahead, the ACLU will pursue administrative and legislative campaigns targeting the Biden-Harris administration and Congress. We will leverage legal advocacy to dismantle systemic barriers, and will work with our affiliates to change policies nearer to the communities most harmed by these legacies. The goal is to build a nation where every person can achieve their highest potential, unhampered by structural and institutional racism.

To begin, in 2021, we believe the Biden administration and Congress should take the following crucial steps to advance systemic equality:

Voting Rights

The administration must issue an executive order creating a Justice Department lead staff position on voting rights violations in every U.S. Attorney office. We are seeing a flood of unlawful restrictions on voting across the country, and at every level of state and local government. This nationwide problem requires nationwide investigatory and enforcement resources. Even if it requires new training and approval protocols, a new voting rights enforcement program with the participation of all 93 U.S. Attorney offices is the best way to help ensure nationwide enforcement of voting rights laws.

These assistant U.S. attorneys should begin by ensuring that every American in the custody of the Bureau of Prisons who is eligible to vote can vote, and monitor the Census and redistricting process to fight the dilution of voting power in communities of color.

We are also calling on Congress to pass the John Lewis Voting Rights Advancement Act to finally create a fair and equal national voting system, the cause for which John Lewis devoted his life.

Student Debt

Black borrowers pay more than other students for the same degrees, and graduate with an average of $7,400 more in debt than their white peers. In the years following graduation, the debt gap more than triples. Nearly half of Black borrowers will default within 12 years. In other words, for Black Americans, the American dream costs more. Last week, Majority Leader Chuck Schumer and Sen. Elizabeth Warren, along with House Reps. Ayanna Pressley, Maxine Waters, and others, called on President Biden to cancel up to $50,000 in federal student loan debt per borrower.

We couldn't agree more. By forgiving $50,000 of student debt, President Biden can unleash pent up economic potential in Black communities, while relieving them of a burden that forestalls so many hopes and dreams. Black women in particular will benefit from this executive action, as they are proportionately the most indebted group of all Americans.

Postal Banking

In both low and high income majority-Black communities, traditional bank branches are 50 percent more likely to close than in white communities. The result is that nearly 50 percent of Black Americans are unbanked or underbanked, and many pay more than $2,000 in fees associated with subprime financial institutions. Over their lifetime, those fees can add up to as much as two years of annual income for the average Black family.

The U.S. Postal Service can and should meet this crisis by providing competitive, low-cost financial services to help advance economic equality. We call on President Biden to appoint new members to the Postal Board of Governors so that the Post Office can do the work of providing essential services to every American.

Fair Housing

Across the country, millions of people are living in communities of concentrated poverty, including 26 percent of all Black children. The Biden administration should again implement the 2015 Affirmatively Furthering Fair Housing rule, which required localities that receive federal funds for housing to investigate and address barriers to fair housing and patterns or practices that promote bias. In 1980, the average Black person lived in a neighborhood that was 62 percent Black and 31 percent white. By 2010, the average Black person's neighborhood was 48 percent Black and 34 percent white. Reinstating the Obama-era Fair Housing Rule will combat this ongoing segregation and set us on a path to true integration.

Congress should also pass the American Housing and Economic Mobility Act, or a similar measure, to finally redress the legacy of redlining and break down the walls of segregation once and for all.

Broadband Access

To realize broadband's potential to benefit our democracy and connect us to one another, all people in the United States must have equal access and broadband must be made affordable for the most vulnerable. Yet today, 15 percent of American households with school-age children do not have subscriptions to any form of broadband, including one-quarter of Black households (an additional 23 percent of African Americans are “smartphone-only" internet users, meaning they lack traditional home broadband service but do own a smartphone, which is insufficient to attend class, do homework, or apply for a job). The Biden administration, Federal Communications Commission, and Congress must develop and implement plans to increase funding for broadband to expand universal access.

Enhanced, Refundable Child Tax Credits

The United States faces a crisis of child poverty. Seventeen percent of all American children are impoverished — a rate higher than not just peer nations like Canada and the U.K., but Mexico and Russia as well. Currently, more than 50 percent of Black and Latinx children in the U.S. do not qualify for the full benefit, compared to 23 percent of white children, and nearly one in five Black children do not receive any credit at all.

To combat this crisis, President Biden and Congress should enhance the child tax credit and make it fully refundable. If we enhance the child tax credit, we can cut child poverty by 40 percent and instantly lift over 50 percent of Black children out of poverty.

Reparations

We cannot repair harms that we have not fully diagnosed. We must commit to a thorough examination of the impact of the legacy of chattel slavery on racial inequality today. In 2021, Congress must pass H.R. 40, which would establish a commission to study reparations and make recommendations for Black Americans.

The Long View

For the past century, the ACLU has fought for racial justice in legislatures and in courts, including through several landmark Supreme Court cases. While the court has not always ruled in favor of racial justice, incremental wins throughout history have helped to chip away at different forms of racism such as school segregation ( Brown v. Board), racial bias in the criminal legal system (Powell v. Alabama, i.e. the Scottsboro Boys), and marriage inequality (Loving v. Virginia). While these landmark victories initiated necessary reforms, they were only a starting point.

Systemic racism continues to pervade the lives of Black people through voter suppression, lack of financial services, housing discrimination, and other areas. More than anything, doing this work has taught the ACLU that we must fight on every front in order to overcome our country's legacies of racism. That is what our Systemic Equality agenda is all about.

In the weeks ahead, we will both expand on our views of why these campaigns are crucial to systemic equality and signal the path this country must take. We will also dive into our work to build organizing, advocacy, and legal power in the South — a region with a unique history of racial oppression and violence alongside a rich history of antiracist organizing and advocacy. We are committed to four principles throughout this campaign: reconciliation, access, prosperity, and empowerment. We hope that our actions can meet our ambition to, as Dr. King said, lead this nation to live out the true meaning of its creed.

What you can do:
Take the pledge: Systemic Equality Agenda
Sign up

Featured image by Shutterstock

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