Is the Fluz app a good way to earn money shopping? I’m a big fan of cashback apps but some on the market make big promises so I wanted to check out Fluz for myself.

What intrigued me the most about Fluz is that it allows you to double-dip on discounts from other cashback apps to get money back on your purchases (more on that later). 

I tried it out myself to see if the savings are worth the hype. In this Fluz app review, I’ll share my experience and show you how to earn rewards with the Fluz app. You should learn enough to decide whether Fluz is an app you would love to try out.

What is the Fluz App?

Fluz is an app that allows you to receive discounts while you shop online and off. The app is 100% free to download and use. The company partners with large retail chains to provide discounts and other perks for users who shop through them. 

In a nutshell, you’re basically buying gift cards or codes through Fluz and using them to pay at checkout whether online or in-store. The benefit is that you’re getting cash back for those purchases and you’re able to use it with other cashback programs to double-dip on the savings (my favorite part).

How Does Fluz Work?

On their website, Fluz breaks down how it works pretty well but I’ll go over it here. You don’t have to shop somewhere new or change your shopping routine much. 

When you’re ready to shop, you can simply purchase the items you want from your favorite stores. Head to the online or physical store checkout as usual. Open the Fluz app when you’re about to pay and select the store you’re at, along with the exact amount you spent. 

Next, pay Fluz for your code and use it to pay by presenting your barcode to the cashier or copying the code down during your online checkout. Complete the purchase and earn cashback. It’s that simple.

TIP: Use Fluz Referral Code ESAVINGSBLOG to get 3 Free Vouchers for up to 35% off Gift Cards.

Below is a video demonstration from Fluz themselves to show you how it looks in action. If you already have your card saved you won’t have to enter it each time but the video will show having to enter your card info. I go more into the security of the app later in this article.

How Much Can You Make from Fluz?

You could earn up to 35% cashback using the Fluz app. To get the most cashback use a referral code when signing up (here’s mine: ESAVINGSBLOG). The referral code will give you three vouchers for 35% cash back for your first three gift card purchases at select retailers.

There is a limit on the cashback so you won’t get 35% back on a $100 gift card for example. But I was able to grab a few $10 gift cards.

What you make is all up to how much you shop and if you decide to refer friends or not.

If you want to earn more, you can invite your friends. Fluz has a referral program where you can earn more cash when your friends make purchases and invite their friends. 

To refer friends, invite them through the app or share your Fluz referral code online. Each time one of your friends joins using your link, they join your network. Your friends will get three vouchers for 35% cashback when they sign-up and you’ll get a voucher as well. 

How Do You Make Money with Fluz?

All you have to do to make money with Fluz is to use the app when you shop. 

You can use it with any of your favorite stores and restaurants, in-person or online. The Fluz app even has a searchable Stores section you can cruise through for a full list of options. Sort through the stores by category or search for individual restaurants for the latest deals. 

There’s no points program to keep track of or hidden membership fees. Use the app for up to 35% cashback on your purchases, then transfer the money you earn to your bank account using PayPal. Keep in mind there is a one-time $26 withdrawal minimum.

To quickly build up your cashback just go ahead and pay with Fluz every time you shop at one of their retailers.

Pros and Cons of the Fluz App

The biggest benefit of using the Fluz app is the savings. You have tons of excellent options to rack up more money compared to other cashback apps. The two best parts of Fluz are the referral program and your potential to stack savings by combining cash back apps. 

Use category rewards, loyalty credit cards, or other rewards to grow your income. Or you could even use the Fluz app with other cashback sites or browser extensions, including Swagbucks, Rakuten, Ibotta, Fetch, ShopAtHome, or Earny. 

My favorite thing to do is start at Rakuten so I can get cash back from them and then when I go to pay at checkout I purchase a gift card from Fluz for the exact amount and use that to pay. This way I get cashback from both apps! If you’re new to Rakuten check out my Rakuten review.

Let’s look at the pros and cons of Fluz:

Pros:

• Get cashback by shopping at your favorite stores.
• Fluz keeps your data safe using bank-level encryption.
• You can combine Fluz with other reward options. 
• Earn more by referring friends. 
• The company won’t sell your personal information. 
• Grab the money you earn through your PayPal account.
• There are many stores available, both in-store and online. 
• You can stack rewards and savings. 

But as with everything else, the app comes with a few downsides too. 

Cons:

• They have a one-time withdrawal minimum of $26 for the first cashout, so savings are not instant.
• The in-store shopping experience could improve.

The biggest con to using Fluz is with in-store shopping. When you’re at the store, the process can take too long to be convenient. 

You have to find the store in your Fluz app (I recommend doing this before you get to checkout) and wait for the cashier to ring you up before typing in your total. You pay Fluz directly and wait for your barcode to pay the cashier. Once Fluz gives you the barcode for the cashier to scan, you can finally move on.

It’s a bit of work to earn your cash, and in certain situations, the process can be annoying to some. If you’re at a busy store with a long line, making people wait as you mess around with the Fluz app can feel awful.  

One way I’ve worked around this was to just buy the gift card ahead of time. You can either add up what you’re spending on your own before you get to the register (be sure to include tax) or just buy a set amount like $20 to CVS for example and just use it when you shop until the gift card runs out. I do this with stores I shop often.

My Fluz App Review & Experience

So what is using the Fluz app like? So far, I enjoy using it. Compared to other cashback apps, I find Fluz complementary because you can use them with Fluz for ultimate savings. But let’s go through a few more important details.

Security

With online shopping, keeping your information safe is crucial. One of my favorite parts about the Fluz app is the security. 

Fluz uses a two-factor authentication system to encrypt any data they store using bank-level protocols. AES-256 encryption is among the strongest in the industry, making it nearly impossible for cyber thieves to break through. 

Earning Potential

If you love cashback apps, browser extensions, receipt scanning apps, or other money-saving tools, you’re going to probably love using Fluz. 

Anyone who uses reward systems like these can combine their rewards with the Fluz app for unlimited earning potential. Why not score more cash for shopping online?

Fluz alternatives don’t really match up. Some think the company works as a multi-level marketing (MLM) deal. However, most MLMs require you to pay a fee to join and you don’t really have to invite friends with Fluz if you don’t want to. Inviting friends just gives you extra cashback and bonuses.  

In my opinion the invite a friend is just an added benefit. While it will help you get to your first $26 cash out threshold much faster, it’s not mandatory to do.

To me, Fluz is another way for me to stack savings since I’ll be doing most of my online shopping through Rakuten anyway. And now I’ll even earn shopping in-store so it’s a no-brainer.

TIP: If all this app talk is overwhelming and you would love to learn more about saving money using apps and tools, check out my new course Become a Money Saving Pro.

Fluz Referral Code

I guess this is where the MLM comparison comes in, Fluz allows you to create an entire network. Everyone you invite will get three free 35% cashback vouchers and you’ll also get a voucher for inviting them once they buy their first gift card.

One of my favorite parts about the referral program is that you can edit your referral code to make it easier to share. My referral code is: ESAVINGSBLOG feel free to use it to get your first three 35% off vouchers! Sign up here to get your vouchers.

Plus, you can provide your friends with deals to get them to sign-up. Send your friends, family, or followers your Fluz referral code, and they get 35% cashback immediately.

Instead of thinking of it like an MLM, I think of it as sharing a way to save money with my friends. They’re going to make purchases anyway most likely so why not give them cashback?

Fluz Tips

After using the Fluz app for a while, I wanted to share a few useful tips. Use them to get the most out of your experience. 

Buy Gift Cards Ahead of Time

I love shopping in-person and online, but because the process sucks to go through in a busy store, I started buying gift cards ahead of time from Fluz for the stores and restaurants I like to shop in physically. 

Go to the Fluz home screen and scroll down. Under the voucher store list, there is a grouping of your favorite stores. You can purchase gift cards from them, which is great because you no longer need to search for the store in the app at the register. 

If a store isn’t on your favorite list yet, all you have to do is search for it. Tap the heart by the store’s name to add it to your list. 

You could also click “All Stores” for the full list of stores with gift cards available in the Fluz app. Using gift cards at in-person stores takes a bit of upfront work, but the process takes much less time at the cash register. 

Voucher Expiration

I also learned that you only have 60 days to claim your reward if you sign-up for the Fluz app using a voucher. Limits are a newer feature. You must spend at least $10 to avoid wasting the voucher, so you’ll want to monitor the expiration date. 

I found out the hard way when I lost one of my 35% cashback vouchers (ouch). But as long as you remember to use them you should be ok.

Plus, signing up through a voucher is probably the best way to maximize your earnings. Some brands give you more than the base of 35% cashback when you redeem the voucher. A few eligible retailers include well-known brands like Netflix, Dunkin Donuts, and DoorDash. 

So say for example you signed up today with my code and you got your three free 35% off vouchers, you’ll want to use them within 60 days. I suggest following my first tip and buying some gift cards to places you’ll shop anyway.

How to Get Started with Fluz

The Fluz app is great for people who love to shop for deals online or off.  

Signing up with Fluz is straightforward. To get started earning money with Fluz, sign-up. Use my Fluz referral code ESAVINGSBLOG to get your first three 35% off vouchers. You can sign up here.

Next, you’ll have to take a few minutes to register and verify your new account. Add your payment method using a secure platform. The Fluz app will have you verify your phone number during the sign-up process to make sure it’s you. 

You may think it takes a bit to setup but I appreciate the security so I know my gift cards and account info are safe.

Now you’re ready to shop and earn cashback on qualifying purchases! 

Head to the Fluz home screen to search for a retailer or check out the list of stores Fluz works with. The home page has a section to see voucher stores, where you can collect up to 35%. 

Shop your heart out. Transfer the money to your bank account using PayPal or save it for next time. What you do with your money is up to you. 

What do you think? Would you try out Fluz?

This post may contain affiliate links. Read my disclosure policy here

Dosh App Review

There are hundreds of apps today that promise to make you money in ways that are too good to be true. But is Dosh one of them?

The Dosh App is a card-linked program that allows you to earn cashback as you shop. Sounds easy enough, but does it live up to the hype?

My Dosh app review will give the insight you need to figure out whether Dosh is a solid cashback option for you. From Double-Dip Rewards to cash-out options, I’ll try and cover it all. 

Is Dosh App Legit?

Dosh App functions like any other cashback program — you shop and receive rewards. But since there are so many scams out there, it’s understandable if you’re wary of yet another sweet-sounding offer. 

The good news is that Dosh is a legit business and has a BBB rating of A+. The not-so-good news is that not everyone is happy with Dosh.

Their reviews on BBB aren’t great. But what I appreciate is that Dosh does take the time to address consumer concerns, something that not all companies do. When I’ve reached out via email ([email protected]), they’re responsive and pretty pleasant to deal with.

Plus, considering that Dosh’s apps are highly-reviewed at nearly five stars, they’re doing something right! 

How Does Dosh App Work?

Dosh App gives you cash back at select stores or venues. What’s unique about the app is that it tracks your spending based on your debit or credit card. You don’t have to scan receipts, type in codes, or check back at all — until it’s time to cash out.

With Dosh, you can earn up to 10% back on store purchases and services, and it all adds up. But one of my favorite things about the Dosh App is receiving up to 40% cashback on hotel stays. Travel can get expensive, so it’s awesome to have this built-in discount wherever you go.

Download & Link Up

To get started, you download the Dosh app on your smartphone. Dosh will ask for your email, the phone number to verify, and then connect a debit or credit card. You can link as many cards as you like, as there is no limit.

Currently, Dosh is compatible with Mastercard, Amex, and Visa. Dosh does not accept Discover cards at the moment. But you can also connect other banking information like Venmo or Jelli.

But before you worry about compromising your financial info, consider this: Dosh uses Braintree (it’s a PayPal service) to protect your details. Braintree is a “banking vault,” and your card and account numbers are stored via a “highly secure tokenization and vaulting” system. But more on that later!

Start Shopping

After signing up and plugging in, you’re exposed to hundreds of retailers and services that are willing to give you cash back just for shopping there. Online shopping also receives cashback, sometimes more than brick-and-mortar retailers. 

All transactions are automatic, so no receipts or coupons necessary. You can continue racking up rewards with regular shopping trips, but there are additional perks, too.

Every week there are new offers available to splurge. If you allow location services, you can see which offers are available in your area. 

Dosh has teamed up with over 100,000 retailers and services, including popular retailers such as Walmart and Costco. Services include Apple and Disney Plus, with restaurants like Pizza Hut, Dunkin’, and more.

More than likely, places you shop at are already on the Dosh app. But you might find some new favorites by scrolling through their list of partners.

Once you rack up the rewards, you can cash out the cashback or even donate your rewards to charity.

Is THE Dosh App Safe?

One of the things I love about the Dosh app is that it doesn’t store card or account information. All of my data is tokenized and secured using Braintree, one of the most trusted payment transaction services to-date (according to their website).

Two-factor authentication prevents unauthorized logins, and all transactions are SSL-encrypted, secured with 256-bit encryption.

How Much Can You Make From THE Dosh App?

The rewards are endless on Dosh. The more you shop, the more you’re rewarded. If you already frequently shop using a credit or debit card with cashback and use the Dosh app, that’s double the rewards.

If you’re a frequent shopper, restaurateur, or traveler, the rewards can add up hundreds per year.

The Dosh app does have a $25 minimum cashout requirement, but there are no expiration dates on your earnings.

One complaint I have is that Dosh does wait 60 to 90 days to credit your account. It makes sense, though — the rules are in place to prevent people from buying a ton of stuff, then returning it and keeping the cashback rewards.

Ready to start earning? There are five ways to make money from Dosh app:

• Earn a sign-up $5 bonus by linking your card
• Receive cashback for online shopping
• In-store shopping rewards, with no scanning or receipts involved
• Travel cashback with hotel rewards on thousands of hotels around the world
• Refer friends and businesses through your referral code once they link a card

How Does Dosh Make Money?

Essentially, Dosh makes money through affiliate marketing. They’re promoting a brand or service (by offering you an incentive to shop there) and receive a commission. Then, they split that commission with their subscribers.

Dosh likes to explain it this way: brands choose to invest in cash back programs with Dosh, rather than running costly advertisements. The result is the same — you still buy from brands you love or want to test out — but the cash winds up in your pocket instead of advertisers’.

Pros and Cons of THE Dosh App

Like most apps, there are pros and cons, and my Dosh app review will cover both sides.

Pros of THE Dosh APP

Automatic Transactions

I love that transactions are automatic, everything is linked up, and there are no codes, coupons, or scanning to deal with. 

Link Popular Bank Cards

Dosh accepts a long list of credit and bank cards, but you have other flexible options for payment (Venmo, anyone?).

Easy to Use

Signing up with Dosh is simple, and there’s nothing to keep track of and no complicated account processes.

Solid Cashout Options

It’s easy to receive your cash, either through PayPal, Venmo, or a linked bank account.

Lots of Vendors

Dosh has thousands of partners to do business with, including popular stores and services you probably already use.

Great for Travel

You can get competitive rates and discounts of up to 40 percent (in the form of cash back) on stays at over 600,000 hotels. The app makes it simple to find places to stay and guarantee your rewards.

No Start-Up Costs

There’s no cost to joining Dosh. Download and go!

Several Different Ways to Earn Money

There isn’t one way to earn cash, as you can receive rewards through online shopping, in-store retailers, hotels, referring family and friends, and possibly more options in the future!

Secure

Dosh is secure, and they’re up-front about what services they use to protect your information. 

Cons of THE Dosh App

No Discover Card Option—Yet!

Unfortunately, Discover card users cannot take advantage of Dosh’s perks.

Can’t Change Hotel Bookings or Receive Elite Benefits

There’s a slight catch to using Dosh for its hotel perks, as you cannot alter the date once it’s booked. Also, if you’re a rewards member of a particular hotel, you will not receive your elite benefits because you’re booking through a 3^rd party app. This is one to definitely keep in mind.

Double Dipping Isn’t Guaranteed

Some cashback platforms let you double-dip, but Dosh’s terms of service specify that if your debit or credit card already receives ‘third-party card-linked offer programs,’ you “may not be able to link” to Dosh.

Basically, this means you’re not guaranteed to be able to pair your rewards credit card with Dosh offers.

Long Time to Clear Transactions

It may take up to 60 to 90 days for the transactions to clear on Dosh, while other services are often faster at getting your rewards to you.

Dosh App Tips

Dosh can provide ample rewards if used right. Here are some tips to maximize your rewards to receive as much cash as possible!

Use All of Your Options

With Dosh, you have several options to make money. For instance, shopping online is convenient and does provide substantial rewards. However, if you see in-store offers higher than online shopping, it may be a better option to shop in-store.

Rotating promotions help you earn higher cash back amounts, and you can also refer friends and family for even more perks.

Read the Terms

Some offers may have limits or spending requirements, so like with any other couponing or rewards app, reading the terms is essential.

Compare Hotel Rates

The cashback for hotels is amongst the best in the business, but the rates themselves may not always be the lowest. Do your research and compare rates, just like you normally would, to secure the best offer.

Who is the Dosh App For?

While Dosh is an excellent rewards program for many consumers, it may not be the best fit for everyone.

Who Should Use the Dosh App?

Bargain Shoppers

There is nothing like looking for a bargain, and with Dosh, everything is right there at your fingertips. 

Frequent Shoppers

If Dosh supports special offers with the places you already shop, that’s money in your pocket with zero effort.

Busy Bodies

Dosh is a set-and-forget app, and it’s easy for busy individuals to manage without having to track anything, as Dosh handles the calculations for you.

Travel Enthusiasts

If you love traveling, more than likely, you have a credit card with hotel and travel perks. These cards also benefit from using Dosh, especially with the hotel cashback rewards.

Who Shouldn’t Use the Dosh App?

Cash Only Individuals

Cash is king for some people, and they are not good candidates for using Dosh because you need a card. So if you’re using the cash envelope system then this app may not be for you.

Debit Card Spenders

When using local offers, you must run the debit card as credit to receive the Dosh rewards since using a PIN bypasses Dosh’s scanning capabilities.

How to Get Started with THE Dosh App

If you’re interested in joining this rewards program after reading this Dosh app review, it’s time to get started!

1. Sign up by downloading in the Apple store or Google Play.
2. Verify your email and phone number.
3. Choose payment options: Paypal, Venmo, or bank account
4. Start shopping and refer friends and family

Dosh App Alternatives

Not impressed with the Dosh App? Here are some alternatives that may be more appealing to you.

Rakuten

Rakuten offers discounts on tons of brands, and they’ve been in the industry (as Ebates) for a lot longer — plus their cashout limit is far lower.

Swagbucks

Swagbucks is one of the most trusted platforms for making money through surveys, watching videos, and doing just about anything.

Fluz

The Fluz app allows you to buy gift cards on the fly when checking out at stores or whenever you like and get cash back for the purchase. Plus if you sign up using my referral link here, you get 3 vouchers for up to 35% off your first three gift cards. You can also check out my full Fluz review.

This post may contain affiliate links. Read my disclosure policy here

RebateKey has kindly sponsored this post but all opinions are my own.

RebateKey almost seems too good to be true, this is why I decided to check it out for myself. As someone who loves to shop on Amazon, I was definitely intrigued by the amount of Amazon rebates they offer.

After seeing a few ads about RebateKey, I decided to sign up, give them a try, and share my experience.

Full disclosure, after having such a positive experience (spoiler alert), I did reach out to them and they offered to sponsor this review. But all opinions are my own and I stand by them.

Is RebateKey legit?

If you’re doubting the legitimacy of RebateKey, let me just start by saying yes they are legit and they do payout like they say they do. Below is a screenshot of my first payout (I chose to get an Amazon gift card).

If you need more validation they also have an A- rating with the BBB and growing reviews on Trustpilot.

HOW DOES REBATEKEY WORK?

RebateKey gives you direct access to manufacturers’ deals, coupons, and rebates. They list all the deals on their site and show the rebate amount and coupon code value so you can see how much you’re saving.

To claim a rebate, simply go through the link on Rebatekey to the manufacturer’s website (ex. Amazon) and purchase the product.

After you purchase the product, you then need to report your order number to RebateKey right away. Once the seller verifies your order, RebateKey will approve your rebate and the rebate amount will be credited to your account.

One important thing to note is that your funds will be held for 35 days to make sure there is no error or product returns. After that, you can cash out for a check, cash to PayPal, or a gift card.

For coupon codes, simply use the coupon code provided on the RebateKey website and apply it at checkout on the manufacturers’ website to get instant savings. As you can see from the screenshot below, Rebatekey makes it super easy to just copy and paste the code with a click of a button.

HOW MUCH CAN YOU MAKE FROM REBATEKEY?

RebateKey is a deal and rebate site so you’ll basically save money or “make” as much as you spend. If you want to make a little extra money from RebateKey, you can refer friends and get a small commission from that, but for the most part, you’re getting reimbursed for some or all of your purchases made through them.

HOW DOES REBATEKEY MAKE MONEY?

RebateKey makes money by charging Amazon sellers a fee for every customer they send their way. This fee doesn’t apply to your order or change what you pay.

Amazon sellers are happy to pay the fee because with each purchase of their products they are getting new customers.

PROS AND CONS OF REBATEKEY

You can pretty much see some of the pros already, but lets go through a list of pros and cons:

Pros of RebateKey:

It’s free to use RebateKey

Sign up here for free and verify your account to start getting rebates and discounts.

You can get free stuff

Obviously, this is the biggest pro for using RebateKey. You get free stuff and who doesn’t like free?

You can save money on items you buy anyway

You’re making purchases anyway, why not save some money and get cash back?

You get to try out some cool new things

I’m loving being able to grab some items I wouldn’t normally budget for, at a deep discount or free. With the 100% back rebates, you can pretty much try all sorts of interesting things you would have never thought to buy.

Cons of RebateKey

Buying things you don’t need

I’ve definitely been caught in the trap of buying things because they are dirt cheap or free! Who can pass up free right? Be careful not to fill your home with unnecessary products and packages that never get opened. Use RebateKey as a way to get a discount on items you would buy anyway and maybe some fun gifts for yourself and others.

35 day waiting period

Even though your account is credited right away, you need need to wait 35 days to cash out your balance. Again, this is so that they can make sure you didn’t return the item.

Free stuff goes fast

The free 100% rebate offers do go fast but you can opt to get notified when they’re available again. This is how I was able to get a few items I was wanting but had sold out quickly.

Can be addicting

Sites like this can be addicting. You can get bargain fever and find yourself constantly checking the website, so be aware.

My RebateKey Review & EXPERIENCE

Now that you know how RebateKey works and that they pay, let’s go over my experience.

I ordered my first item from RebateKey on January 14th, 2021, and was reimbursed on February 18th, 2021. I’ve since ordered three more items waiting for payout.

What did I get?

Below are some of the items I was able to get for free or over 80% off. I’ve been wanting the bamboo utensils (pictured below) for a while, so when I saw they had an 80% off rebate, I jumped on it.

I was able to score them for just $3! The rest of the items pictured were free after the rebate.

I’ve also got my eyes on some pots and plant hangers next. Like I mentioned earlier, it’s kind of addicting!

REBATEKEY TIPS

Since I’ve been using RebateKey for over a month now, I wanted to share some useful tips to help you get the most out of it.

Filter & Sort

There are a ton of products on the website to look through, be sure to use the filter and search options to find just what you’re looking for. If you’re looking to just find the best deals, be sure to filter the results by “discount amount”. This will show 100% rebate items first and so on.

Don’t Use Any Outside Coupon or Promo Codes

Don’t use outside coupon codes in conjunction with Rebatekey as it may void your rebate. Shop directly through Rebatekey and pay the full price listed on Rebatekey. If there’s a discrepancy in price contact the seller (through the RebateKey website) and let them know before purchasing.

Roll your Rebates!

I opted for Amazon gift cards for payout so that I can keep rolling my gift cards to buy more RebateKey items. This way I am not using my money and waiting to get reimbursed. I just keep using my Amazon gift cards over and over again.

Get Amazon Prime

RebateKey has a ton of Amazon deals so having Amazon Prime would be beneficial. You can grab a free 30-day trial here.

Are you a student? Get 6 months free here. Do you have an EBT or Medicaid card? Get a discount on Prime here.

HOW TO GET STARTED WITH REBATEKEY

1. Sign up here.
2. Verify & activate your account. You will need to take a few actions to verify your account. This allows RebateKey to make sure all its users are real people and prevents people from creating multiple accounts. Make sure you read all your emails and follow the instructions.
3. Choose your payout option. Be sure to choose how you want to be reimbursed for your rebates.
4. Start shopping! Browse the site and set up any notifications for deals that you may have missed.

That’s it! What do you think of RebateKey? Let me know in the comments!

This post may contain affiliate links. Read my disclosure policy here