Best Canadian Cashback Apps: Rakuten, Caddle, Checkout 51

Canadian cashback apps have matured significantly, and using them requires almost no effort once you're set up. The key is understanding which app works best for which type of purchase and stacking them together for maximum savings. Here's the definitive comparison.

Rakuten Canada

Rakuten is the largest cashback platform operating in Canada, offering cashback at hundreds of Canadian retailers including Hudson's Bay, Best Buy Canada, Sport Chek, and Walmart.ca. Install the browser extension and it automatically activates cashback when you shop online. Rates typically range from one to fifteen percent, with higher rates during promotional events.

Rakuten pays quarterly via cheque or PayPal once you accumulate at least five dollars. New members receive a signup bonus — typically five to thirty dollars after their first qualifying purchase. Over a year, an average online shopper in Canada can earn seventy-five to three hundred dollars passively through Rakuten.

Caddle

Caddle is a uniquely Canadian cashback app focused on grocery and everyday purchases. Browse available offers, purchase qualifying products at any store, and submit a photo of your receipt. Caddle matches the offers and adds cashback to your account. Cash out via e-transfer once you reach twenty dollars.

What makes Caddle special is its combination of cashback offers and short surveys that earn additional money. Daily survey earnings are small — typically a few cents — but they add up. The real value is in the product cashback offers, which frequently include popular Canadian grocery brands. Many users earn twenty to forty dollars per month.

Checkout 51

Checkout 51 works similarly to Caddle. Browse weekly offers, buy qualifying products at any store, and upload your receipt. The app verifies your purchase and credits your account. Cash out via cheque when you reach twenty dollars. New offers appear every Thursday and are valid through the following Wednesday.

Checkout 51 is available across Canada and works at any grocery store, making it particularly useful for Canadians in smaller towns without access to specific retailer apps. The offers tend to be from major brands, and many overlap with products you're already buying.

Other Canadian Cashback Options

Drop rewards users for shopping with linked cards at partner stores. Ampli from RBC offers cashback through your RBC debit or credit cards at select merchants. Paymi provides cashback at Canadian restaurants when you link your payment card. Each app has a smaller partner network but offers unique deals not found on other platforms.

The Great Canadian Rebates is a website (not an app) that provides cashback for online purchases at Canadian retailers. Similar to Rakuten but with some exclusive retailer partnerships and occasionally higher rates.

Stacking Strategy for Canadians

The optimal strategy is to use all apps simultaneously. Before shopping online, check Rakuten and Great Canadian Rebates for the best cashback rate. After grocery shopping, submit receipts to both Caddle and Checkout 51 for any qualifying offers. Link your cards to Drop and Ampli for passive earn. This multi-app approach can save a Canadian household five hundred to over a thousand dollars annually with minimal effort.