Ibotta vs Fetch: Which Cashback App is Best for You?

Are you looking for an easy way to save money on grocery purchases and other everyday items? The two most popular cashback apps, Fetch Rewards and Ibotta app, make it simple. In this blog post, we’ll compare Ibotta vs Fetch so that you can find out which will work best for your shopping needs.

Both offer a wide variety of rewards that can help you get discounts on hundreds of participating brands, but which one should you choose?

Let’s find out which is easier to use, the rewards they offer, and learn about the redemption process to discover which app is the best choice for you.

Ibotta vs Fetch: Quick Breakdown

Before we cover this head-to-head in detail, here’s some important information you should know about the two reward platforms!

What’s Fetch Rewards?

fetch vs ibotta - fetch homepage screenshot

Fetch Rewards is a cashback reward app that helps people save on their everyday purchases. The Fetch App allows users to upload physical or digital receipts from any store to earn points.

These points can be used to redeem discounts and earn rewards from major retailers such as Amazon, Target, Starbucks, and more.

Additionally, customers can connect with friends on the app and team up to earn rewards and bonus points.

The Fetch Rewards app has exclusive deals and special offer discounts on select items in-app, so customers can save money on their grocery shopping trip and other everyday purchases.

What is Ibotta?

fetch vs ibotta - ibotta homepage screenshot

Ibotta is a cashback rewards app that helps customers get extra money back on everyday purchases.

It works with hundreds of online and in-store retailers, offering savings on grocery stores purchases, clothes shopping, home goods, travel expenses, and more.

With Ibotta, users can earn cashback either by linking their loyalty cards to their accounts, scanning their receipts, or by shopping online through Ibotta’s partner retailers and brands.

In addition to cashback rewards, users can participate in special offers, sweepstakes, and exclusive deals for even more savings. Ibotta makes it easy to withdraw earnings directly into a bank account, PayPal cash, or exchange for e-gift cards.

Ease of Use

Fetch Rewards and Ibotta make saving money on everyday purchases easy. Let’s look at user experience in more detail.

Fetch Rewards

Fetch Rewards is easy to use. You just need to upload your receipts or link your loyalty card to the app, and you can start earning rewards points for purchases.

The app makes it easy to track your progress and view your reward points balance in real-time.

fetch vs ibotta - fetch homepage screenshot


Ibotta is also very easy to use. All users need to do is download Ibotta from the app store or Google play store and start scanning their receipts to earn cashback rewards.

Additionally, they can link their loyalty cards to the app for even faster cashback earning opportunities.

Ibotta’s free browser extension helps you maximize your savings when shopping online. Installing the extension to Chrome is fast and easy – click ‘Add to Chrome‘ from your desktop, and the extension will work automatically to discover unbeatable deals each time you make a purchase.

fetch vs ibotta - ibotta browser and mobile screenshot

Our Verdict

Both apps allow you to link your loyalty cards and scan receipts using their app, making ease of use very similar for each.

But Ibotta’s browser extension is an added bonus, making it easier to save money when shopping online from your laptop.

How Much Can You Earn?

Let’s look at the all-important question of how much you can earn using these cashback apps.

Fetch Rewards

Fetch Rewards offers a variety of rewards points that can be earned on eligible purchases.

Whether it’s from grocery stores, fast-food restaurants, or clothing retailers, you’ll be rewarded with a minimum of 25 Fetch points for each receipt scanned.

Shopping at retailers in designated categories will reward you with an extra 1% bonus. With Fetch, every 1,000 points you accrue generally corresponds to approximately a dollar, so with regular use, users can earn significant rewards over time.

When you sign up, you can often get a bonus of 3,000+ points with a referral code.

With Fetch Rewards’ referral program, you can extend an invitation to your friends and family, who will earn points when they sign up.

Once someone joins using your code, both of you receive extra points once that person uploads their first receipt! 

Check out our full, in-depth Fetch Rewards Review for more info.

fetch vs ibotta - fetch treat yourself to the things you love screenshot


Ibotta offers cashback rewards on a wide range of items, including groceries, electronics, and apparel. The amount you can earn varies depending on the item and store you purchase it from.

The lowest available reward rate is $0.10, while many options offer anywhere from $0.50 to $1.00 or higher! You might even stumble across a sweet deal of $3.00 or more!

On average, Ibotta users earn between $10-20 a month for their activity on the app. For more frequent and engaged users, those earning potentials can reach as high as $100 to $300 per month!

There is currently a sign-up bonus of $10 when you spend $30.

Users also get rewarded with a $10 referral bonus for every individual who creates an Ibotta account and submits their first receipt by using their exclusive Ibotta code or link.

Our Verdict

Ibotta and Fetch Rewards work in various ways to earn rewards. The sign-up bonus offered by Ibotta is a great incentive to get started.

Both Fetch and Ibotta offer referral bonuses for inviting friends and family, which can help you to maximize the extra cash you can earn. 

Payout Options

So how do you redeem the rewards points or cashback once you earn them?

Fetch Rewards

Following your first redemption of $10, the Fetch Reward payout threshold drops to $3.00! To redeem rewards, simply hit the “Redeem” button on the home screen or in your profile and find your preferred reward from gift cards, magazines, and more. Gift cards can take up to 3 business days to arrive.

Visa Rewards by Fetch are rewards that can be redeemed for a physical or digital Visa debit card. The physical Visa card can be used in stores that accept Visa debit, and the digital version can be used online where Visa is accepted. Both options expire 7 months after they are obtained and require a verification code to use.


When you’ve earned a total of $20 in cash back, you can request to have your earnings paid out within the Ibotta app.

Ibotta offers a variety of payout options, including PayPal, direct deposit to your bank, or the option to convert your earnings into gift cards.

You can expect your e-gift card link delivered straight to your inbox in as little as an hour!

Our Verdict

Ibotta offers more flexibility with its variety of payout options but has a higher cash-out threshold.

Fetch vs Ibotta: Similarities

Both Fetch Rewards and Ibotta are easy to use and make it simple to track your progress. Both apps offer rewards on everyday purchases, with a variety of payout options for users to choose from.

Additionally, both apps have attractive sign-up bonuses that can be earned when you join!

Fetch vs Ibotta: Differences

The main difference between Fetch Rewards and Ibotta is the type of rewards they offer. Fetch Rewards users earn points that can be redeemed for e-gift cards, magazines, or Visa debit cards. Meanwhile, Ibotta offers customers cash back on their purchases that can be withdrawn directly into a bank account, PayPal, or converted into e-gift cards.

With FetchRewards, you can withdraw your earned rewards after reaching the low payout threshold of just $3 (after your first withdrawal of $10). This is significantly lower than the Ibotta minimum requirement of a whopping $20!

Ibotta allows you to access your rewards quicker after your cash-out request, with most e-gift cards being available within the hour. FetchRewards may take up to 3 days for your e-gift cards to arrive.

How do Fetch Rewards and Ibotta Make Money?

Fetch Rewards and Ibotta make money by taking a commission from participating retailers. This small percentage is paid to the apps in exchange for promotional services, such as connecting customers with deals, discounts, and coupons. The apps also often receive additional revenue from advertisements or sponsored offers.

Can I use both Fetch Rewards and Ibotta?

Yes, you can use both Fetch Rewards and Ibotta simultaneously to maximize your rewards earnings. Both apps offer different types of rewards and payout options, so it’s worth taking advantage of the variety they both offer!

Final thoughts: Fetch vs Ibotta

Our Fetch vs Ibotta review found that both the Fetch Rewards app and Ibotta cashback app are great resources for earning rewards on everyday items. Both apps make the process of tracking rewards and redeeming them a breeze, so it’s easy to get started!

With these two apps, you can take advantage of attractive sign-up bonuses, generous cashback offers, and points that can be used for a variety of rewards.

The Ibotta App has the edge as the best cashback app with more flexible redemption options. And there is the attractive $10 sign-up bonus to consider.

FetchRewards has a low payout threshold of just $3, while Ibotta requires a minimum of $20 for cash-outs. You can use both apps simultaneously to maximize your rewards earnings!

Looking for more approaches to make a few extra bucks? Read our article about the best apps to make money for further tips to do just that.

Tran Danh

Tran Danh

I'm Tran Danh, the author behind Smart Passive Income (SPI), a blog dedicated to online business and entrepreneurship. I started this blog in 2008, following in the footsteps of Pat Flynn, the founder. Being one of the leading business blogs globally, SPI attracts over 2 million readers each month. Through my content, I aim to assist individuals in generating passive income from various online sources. Join me on this transformative journey as we delve into the world of online business and uncover the strategies and tactics that have led to tremendous success for myself and countless others.

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