Tag Archives: CVS

Cash Back Websites That Are For Real!

Lets get back to my favorite cliche; Black people don’t play when it comes to money! So one of the things you need to know is what websites are for real when it comes to getting cash back.

The bottom line is, who is being real about giving you money back? Rather-Be-Shopping writer Kyle James researched and ranked cash back sites that are for real when it comes to getting you money. James checked out the dirty details of some of the most popular cash back sites to show us the ones with the best rewards program or the biggest payout. So lets begin.


topcashback_logoTopCashback.com touts itself as “USA’s Most Generous Cashback site.”  According to TopCashBack they have over six million members around the world and guarantee the highest cash back. Quite a claim.

TopCashBack is fairly easy to work with. First of all  you can join for free then you start shopping at their website, or via their mobile app, and leave the rest to them. Once you make a purchase your account will get a percentage of cash back in seven days and a confirmation email.

TopCashback offers cash back rates higher than even Ebates.  And you can withdraw your money anytime you want since TopCashBack has no minimum required on withdrawals.

Another thing you probably want to know is who are their merchants and how much money can I get back? Here is a list of their top merchants. Amazon up to 10% back, Groupon up to 10% back, Walmart up to 6% back, Lowe’s 6% back, Gap brands 8% back, Macys.com 8% back, American Eagle 6% back, Overstock.com 5% back.

Get the TopCashBack app for Apple here. For Android click here.



With ibotta you can forget points or credit. You get your money via PayPal or you can buy a gift card with the cash back. And it works with any product. You start by downloading the app. Then activate rebate offers and redeem them on the things you buy daily. You know simple stuff like bread and milk, vegetables, snacks, beer, wine, and even ice cream. How easy is it to make money with this app? As easy as a selfie!  After you buy your stuff just take a picture of your receipt with the app and wait for the cash to rain into your account. Pays more than a selfie don’t it? Truly, the number of cash back offers makes the app special. And here is a little something extra; click here to give ibotta a try and score a $10 bonus once you redeem your first rebate.

ibotta has hundreds of partners that include, Walmart, Target, Rite-AidWalgreens, CVS, Sam’s Club, Safeway, Dollar General, Whole Foods Market and many, many others. To see the whole list click here.

Download iBotta for Apple here. And for Android click here.



This site boasts 3,000+ partners, How’s that for a start? SwagBucks is a website that allows you to earn “SwagBucks” that you can use to get free gift cards and the much beloved cash back. Here’s what you need to know.

You earn SwagBucks by shopping online using the SwagBucks search engine. You watch sponsored videos, complete surveys, play online games like Deal or No Deal and Bejeweled 2. These activities allow the shopper to earn SwagBucks for gift cards from merchants like Amazon and Starbucks. And if you earn 5,000 points you can score a $50 ExxonMobil gift card. You can rack up SwagBucks fairly quickly. For example one SwagBuck equals one cent so 100 SwagBucks adds up $1.00. Lets do the math; if you can shoot for 100 SwagBucks a day that equals a $10 Amazon gift card per week. Nice! You can also get a PayPal cash card for your SwagBucks.

This link will show you how you can earn a $50 Amazon gift card every month from SwagBucks.

SwagBucks app for Apple here. For Android click here.



This site guarantees the highest cash back rates. That should interest you especially if you are a Walmart customer. And who isn’t? Walmart customers can get as much as 4% cash back. But lets not stop there! BeFrugal will not only match any competitors cash back rate, but they’ll “match 125% of the higher cash back rate.”  BeFrugal also guarantees that every coupon they post will work. If you find one that doesn’t they fork over $5 to you. And if you redeem your cash back with a Amazon gift card you get an additional 3% cash back. The icing on the cake is BeFrugal has over 5,000 merchant partners.

You’ll find that BeFrugal just doesn’t have the name recognition and notoriety of Ebates or SwagBucks. But don’t shy away from any company that works this hard to get cash back in your pocket. BeFrugal also offers a generous $10 bonus for new members. And lets be real, how can you beat a company who’s tagline is, “We are a bunch of cheap, thrifty, penny pinchers who believe that a dollar saved is two dollars earned.”



Ok, Ebates has been around since the late 90’s. Thats pretty much the birth of the Internet if my calendar serves me correctly. So that makes them the oldest cash back website.

Ebates has over 2,000 merchant partners and if you like shopping at JCPenney then you can get as much as 12% percent cash back. Other partners include Kohl’s, Nordstrom, Target and Macys.com.

This site works by having you shop online through their site and click through to the store you want to shop at. Ebates keeps their site up to date with money saving coupon codes.  Their site is newly designed to make it easier to use and intuitive. Basically you won’t need a tech degree to use it. Ebates also offers a strong sign-up bonus of $10 which will get credited to your account when you spend $25 at any of its merchant partners.

Ebates app for Apple is here. Click here for Android.

Mr. Rebates


Mr. Rebates has 2,000 retail partners and has been in business since 2002.  One of their unique selling points is the “Store of the Week” which offers a really nice wad of cash back for a limited-time. Once Nike was the “Store of the Week” and offered 15% cash back up from the normal 4%. Don’t miss the “Store of the Week” sale because their cash back percentage is sick! I mean its outrageous and you’ll be sorry you missed it.  How do you not miss it?  Just sign-up and get their newsletter via email and you’ll know what  stores they’re currently featuring. Then sit back and wait for your favorite store to be featured. Don’t sleep on this one.

Finally, Mr. Rebates does not have a mobile app or a sign up bonus, But you can get your money via check or PayPal. But there is a $10 minimum.

Main Street SHARES


Maybe you remember BigCrumbs.com? I don’t but thats not important. Well they have changed their name and their game. This company takes cash back to the next level by letting you buy into the company itself! Wait…what? Yes, you can buy your way into the company!

MainStreet Shares has 2,000+ partners including Dell computer, Sears and Walmart. The company uses pretty much the same cash back model as the others and pays its users monthly via PayPal. They have no mobile app or sign up bonus.

But they do have a new way to get you some money. As I said you can buy into the company. Here’s how; After you register for free, you’ll earn a commission when shopping and receive “virtual shares” or msSHARES.  As the owner of these msSHARES you get paid back when MainStreetSHARES is acquired (bought out) by a larger company. According to their website, “MainStreetSHARES is the only program that shares everything with its members.” The company is contractually bound to set aside at least 50% of the net cash proceeds for members to share. The company  believes they will be ready for purchase within the next two years. This is where the expression “getting in on the ground floor,” comes from.

Now you’re gonna ask, how much money can I make on this deal? The website explains it best. According to Main StreetSHARES a $1 billion selling price shakes out like this.  “If the net cash proceeds to MainStreetSHARES from a sale is $1 billion, then MainStreetSHARES will set aside $500 million (50% of $1 billion) for members to share. If Sally has earned .01% (one hundredth of one percent) of the total msSHARES earned by all members, then Sally will receive .01% of $500 million, or $50,000.” You like the sound of that don’t cha!

Other cash back sites you may want to have a look at;





MyPoints offers different ways to earn points, many don’t even require you to shop at all. You can also redeem points for airline miles and hotel bookings or redeem your points for cash via PayPal.



CouponCabin has a lot of “Exclusive Offers” that have a higher, limited-time, cash back rate. It looks like some of these offers are only good for 24 hours and some are only good for a certain number of redemptions.



Now you know.

App of the Week – Blink Health

BlinkThe greatest travesty of living in America is the cost of health care.  Far too many people simply suffer because that can’t afford to see a doctor or pay for medication.

Even with the Affordable Care Act (ACA) many black people are still uninsured. According to the Pew Charitable Trusts  over half of  all African-Americans, 55 percent,  live in the 23 states that have not expanded Medicaid eligibility under the ACA. The numbers are not much better for other groups. The Urban Institute reports that by comparison, 42 percent of whites, 38 percent of Latinos and 23 percent of Asians live in states that have not expanded to the ACA standards.

Even worse in non-expansion states a disproportionate number of African-Americans fail to qualify even for the narrower Medicaid program in place now. The result is that far too many black people have little or no medical or prescription coverage.

 That is why Blink Health is the App of the Week.

According to Blink Health as much as 30 percent of all medications are left on the pharmacy counter for one simple reason; the patient can’t afford them.

Blink Health co-founder and chief operating officer Matt Chaiken says people wrongly assume that if they have insurance they also have prescription coverage.  “There’s a common misconception in this country. Patients believe that, because they’re covered by insurance, they’re paying the lowest price at the pharmacy counter. This is not the case.”

Blink says it can offer lower prices on more than 15,000 mostly generic medications for less than $10. These price reductions are made possible because of the purchasing power of the combined membership of Blink Health and partner company MedImpact. The list of pharmacy chains that accept Blink Health includes Walmart, CVS, Rite Aid, Walgreens, Target, and many others

The BlinkHealth app allows the user to enter the name of their medication, dosage and quantity and the app will return a price quote. The user can pay for the prescription online. After the prescription has been paid for the app issues a proof of purchase known as a  “Blink Card” directly to the users phone. The user can then go to the pharmacy with their prescription and show their Blink Card. As long as they have a valid prescription from a physician the prescription will be filled. Nothing is paid at the pharmacy.

BlinkHealth is free and available for both and Apple and Android devices.

Online Holiday Shopping Series #3

Its the holidays and the one thing just about everybody will be doing this season is eating, drinking and shopping. African-Americans love a good holiday meal with friends and family. The only way to improve upon this holiday joy is to get the ingredients for a great meal for a substantial savings and possibly even get a little money back.

There are a lot of coupon apps available and all of them can help you save a few dollars on your holiday grocery shopping. What you have to understand is that some are easier to use than others. And some deliver more savings and bigger rebates than others. All these apps work a little differently from each other. To choose the best app consider your shopping habits and style and where you shop. These are some things you need to consider before you choose a shopping app.

  • Where you live should be considered before you select a shopping app. Different apps offer coupons at different stores. Some regional and national chains may offer their own shopping app. So consider an app that works in your area and in stores you normally shop. Making a good choice and having success using an app to get coupons will depend on the supermarkets in your area and your shopping list.
  • Paper coupons still rule. Don’t ignore your local newspaper or coupon flyer. Smartphone apps aren’t all about delivering digital deals. Sometimes they can help point out online or newspaper coupons that you have to print or clip. Consider that a lot of apps can deliver coupons to your email inbox.
  • Mobile coupons are similar to paper ones. Digital coupons, sometimes in the form of bar codes will help you save on the same products as paper ones will.
  • It pays to be loyal. Digital coupons often work very well when they are linked with your store loyalty cards. You can link the coupon to your card and get the savings when you scan at check out.

In this article we are going to highlight money saving grocery apps. Saving on groceries should be a key priority for black households every day and not just during the holidays. These apps can help you do exactly that.

Ibotta –  The Ibotta app provides rebates on many retail items at both national and regional grocery stores.

Once the app is downloaded the user will be asked to complete small tasks that provides the rebates. Unfortunately these tasks include watching videos, taking polls, playing trivia games, and learning facts about products. These tasks could save you as much 75 cents on items and change frequently. It can be a bit of a headache and inconvenience in my opinion. But it could pay off bigger than playing Candy Crush.

You can find offers of rebates on items such as milk, fresh meats, salad, frozen dinners, ground coffee, and even some generics.

Here is another thing about this app I am not a big fan of. After you do your shopping you verify purchases by uploading your receipt using your smartphone. Another way to verify your purchase is to link your grocery store card to the app. Basically its another way to collect information about your shopping habits, the things you buy regularly and where you buy them. Its not that great of an intrusion into your privacy since you have one of those grocery cards any way. Its just means you are sharing your info with a few more data collectors.

After you have earned $5 in rebates, you can have the cash transferred to a PayPal account and continue to accumulate the savings or you can use it to buy a gift card from various retailers. You can find the list of Ibotta Preferred Partners here.

Ibotta is available for Apple and Android devices.


Checkout 51 I call this the “checks-in-the-mail” app because of the way it delivers your savings. Checkout 51 works differently than Ibotta. Every Thursday morning this app offers a new list of 20 or so items. These offers include rebates on fresh produce like tomatoes, strawberries, and bananas. Best thing about it is there are no tasks to complete to get the discounts but you do have to upload your receipt to the app. You can shop at any store where the items are sold.  And when you reach that magic $20 mark in savings you get a check in the mail. Checkout 51 is available on Apple and Android devices.

ShopmiumMuch like Checkout 51 the Shopmium app offers rebates that can be redeemed at any store where the products are sold. Rebates range from 25 cents to more than a dollar. Like the other apps you have to verify your purchases by scanning the products bar code and uploading your receipt to the app. Your rebates are deposited into your PayPal or bank account and there is no minimum before you get your money.

Shopmium offers regular as well as exclusive offers to its users. According to the website, “Shopmium’s offers are only available to ours users: you won’t find them anywhere else and they’re the most advantageous on the market. They are private offers, available in every store the product is sold.” Shopmium is available on Apple and Android devices.

Cellfire – One of the cool things about this app is that it works by sending coupons directly to your loyalty cards. You just add your store loyalty card to the app.  Use the app to browse the available deals and tap on the ones you want. The deals are then saved to your store card and savings delivered at check out. It is almost effortless in the way it works. However easy this app is to use the one drawback is that the list of stores is limited. But count yourself lucky if there’s a store near you. This app is well worth it.

I give this app the privacy edge because you can use it without registering. But if you do register members get access to bigger, better deals. Another cool thing is on the website you can find both digital and printable coupons and you can have the coupons emailed to you. The app also offers a nice feature that allows you to get store alerts reminding you of coupons when you walk into a store. The app is available on Apple, Android and Blackberry devices.

Coupons.com – Coupons.com is the big man on campus when it comes to grocery and everyday items. The listing of items on the home page seem to never end. A great benefit of this app is that it makes it easy to access the deals on the go. The app delivers a coupon in your e-mail to be printed. Your tablet or mobile device can also be used to print out coupons if you have an iPad, iPhone, or iPod Touch and certain HP printers, or, and this is the most convenient, added to your store loyalty card to scan at checkout. For Apple technology owners this app has some special features. You can browse digital coupons from select retailers such as Old Navy and Petco then add those coupons to your Apple Passbook app. Just show you phone at checkout to get the savings. Coupons.com apps are available on Apple and Android devices.

Grocery IQNow here is a an app that can really be useful. Why? Because most people buy the same thing over and over again. We all have some brand we are loyal to and wouldn’t think of switching or even trying something else.  With Grocery IQ you begin by making your shopping list then saving it to the app. Grocery IQ  will match your list with applicable coupons. You get a few options to add items to your list. You can type them in, scroll through the master list and select them, scan a bar code, or speak them. This app shares the same data base with Coupons.com and you get them by printing them out or linking your loyalty card. But be prepared to spend some time getting it all set up. Available for Apple and Android devices.

SavingStarLogo – This app allows you to  register your loyalty cards then browse a list of exclusive offers. Some of the deals offer as much as $5 off and if you see something you like you just tap on the “I Want This” link  and scan you store card when you check out. But you won’t get any money off your purchase at the register. Instead the savings builds up in your SavingStar account. When you hit $5, you can select how you want your money from one of four options; bank deposit, PayPal deposit, Amazon gift card, or donation to conservation group American Forests. The app usually offers  about 30 deals at any time and works with lots of grocery chains, including A&P, Kroger, and Pathmark, as well as with CVS and Rite Aid.

You are  going to be buying a lot stuff this holiday season. You may eat too much but these will keep you from spending too much. But like so many other things worth having you have to do the work. These apps make that work a lot easier and can actually put some money in your pocket.

Now you know.