Discover the best credit card reward apps in the USA for 2025. Earn cashback, rewards, and gift cards on every purchase with these trusted apps.
Credit cards are no longer just for spending — in 2025, they’ve become a smart way to earn money back!
With the right reward apps, every swipe can earn you cashback, gift cards, or travel miles.
In this post, we’ll explore the best credit card reward apps in the USA (2025 Edition) that help you save more and get maximum rewards from your daily expenses.
1️⃣ Rakuten – Best for Cashback Lovers
Rakuten (formerly Ebates) is one of the most popular cashback and reward apps in the USA.
It connects with your credit or debit card and automatically gives cashback whenever you shop through partnered stores.
Key Features:
- Over 3,500 partner stores including Walmart, Macy’s, and Target
- Automatic cashback when you use your linked card
- Payout via PayPal or check
💰 Average Reward: 1% – 10% cashback
🌟 Best For: Online shoppers
Website: https://www.rakuten.com
2️⃣ Dosh – Automatic Cashback on Purchases
Dosh is an app that gives you instant cashback every time you use a linked credit card for payment at partner stores or restaurants.
Why it’s great:
- No coupons or promo codes needed
- Automatic tracking via your card
- Works online and in-store
💵 Cashback Range: 2% – 10%
💳 Best For: Dining, travel, and retail shopping
Payment: Direct deposit or PayPal
Website: https://www.dosh.com
3️⃣ Fetch Rewards – Convert Receipts into Rewards
Fetch Rewards is a simple app where you scan receipts and earn points, even from small purchases.
You can later redeem those points for gift cards from brands like Amazon or Starbucks.
Why It’s Popular:
- Works with any receipt (online or paper)
- Partnered with major U.S. brands
- Frequent bonus offers
🎁 Average Reward: $10 gift card for every 10,000 points
📱 Best For: Grocery shoppers
Website: https://www.fetchrewards.com
4️⃣ Capital One Shopping – Rewards for Smart Buyers
If you use a Capital One credit card, this official app helps you earn rewards, discounts, and track price drops.
It also automatically applies coupon codes when shopping online.
Top Benefits:
- Browser extension for Chrome & Edge
- Earn rewards that can be redeemed as gift cards
- Trusted and bank-backed platform
💸 Reward Rate: 1.5% – 10%
🏦 Best For: Credit card users who shop online frequently
Website: https://www.capitaloneshopping.com
5️⃣ Drop – Earn Points on Everyday Spending
Drop connects your debit or credit card and rewards you for spending on everyday purchases like groceries, gas, or dining.
Highlights:
- Partner brands include Starbucks, Uber, and Walmart
- Simple app interface
- Convert points into gift cards
💵 Reward Potential: 1% – 5% cashback equivalent
💎 Best For: Students and daily shoppers
Website: https://www.earnwithdrop.com
📊 Comparison Table
| App Name | Reward Type | Avg. Cashback | Payout Method | Best For |
|---|---|---|---|---|
| Rakuten | Cashback | 1% – 10% | PayPal / Check | Online Shopping |
| Dosh | Cashback | 2% – 10% | Bank / PayPal | Dining & Travel |
| Fetch Rewards | Gift Cards | Up to $10 per 10K points | Gift Cards | Grocery & Everyday Use |
| Capital One Shopping | Gift Cards / Rewards | 1.5% – 10% | Gift Cards | Online Buyers |
| Drop | Points / Gift Cards | 1% – 5% | Gift Cards | Students & Daily Spenders |
❓ FAQs
Q1. Which app gives the highest cashback in the USA?
👉 Dosh and Rakuten offer the highest average cashback rates (up to 10%) on top brands.
Q2. Are these credit card reward apps safe to use?
✅ Yes, all listed apps use secure, bank-level encryption for your credit card details.
Q3. Do these apps charge any fee?
No, all are free to use. They earn from partner commissions, not users.
Q4. Can I use multiple reward apps together?
Yes! You can combine Rakuten + Dosh + Fetch Rewards for maximum savings.
🏁 Conclusion
Earning rewards from your credit card is no longer a secret hack — it’s a smart financial habit!
These top 5 credit card reward apps in the USA help you save more and earn cashback on every purchase.
Start small, use your card responsibly, and watch your savings grow automatically 💳💵
Stay tuned with Sachi News for more real earning and saving ideas for USA users in 2025.
Deepak Kaswan is the founder of SachiNews.com, where he shares genuine and easy-to-understand articles on online earning, AI tools, and money-making tips.
With years of blogging experience, he aims to help readers discover trusted ways to earn online safely and smartly.
📧 Contact: helpme1desk@gmail.com