TL;DR
If you think “cash back apps only get me a dollar or two,” friend, let me change your mind. I’ve used the Rakuten cash back app for years, and during major spend seasons like Black Friday, back-to-school, and holiday shopping, I’ve earned up to 30% cash back — and yes, that added up to hundreds of dollars on one purchase. I have over $1000 in cash back earnings so far, and I’m not even super consistent with it! I keep the browser extension ready, shop via it on my phone, and it feels a little like “cheating the system” (in a good way). Join and spend $50 within 90 days of joining, and we both get $50! Join using this link!
Our Big Win: Using Rakuten to Earn While Spending
Here’s the story: We were shopping for a large-ticket home upgrade — a refrigerator and a washer & dryer set. We planned the purchase, picked the timing (during big-season deals), and used the Rakuten cash back app as our secret weapon. Because I activated the deal via Rakuten, stacked it on top of the sale, and used the browser widget and phone app, I ended up earning hundreds of dollars in cash back—not just change.
In real terms: We bought items we’d buy anyway, used the Rakuten cash back app, captured the stacked offer, and then redirected that cash back into our savings “fun fund.” The result? We felt smart, rewarded, and a little smug (which is okay).
What is the Rakuten Cash Back App?
The Rakuten cash back app is a free (yes, free) tool that works for online shopping, in-store offers, browser extensions and more. You start at Rakuten, choose a store or activate the deal, shop like usual, and once the retailer confirms your purchase, the cash back is credited to your account. I have over $1000 in cash back earnings so far, and I’m not even super consistent with it!
It works across thousands of stores that I’m betting you already shop at regularly (over 3,500) and supports browser extensions, in-store linked card offers, app deals, and coupon stacking.
As a mama who values both structure and freedom, this app fits: You’re not changing what you buy—just how you buy it.
Main Features of the Rakuten Cash Back App
Here are the key features I use regularly (and why they matter for real-life spending):
1. Broad Store Network & High Cash Back Percentages
You’ll find thousands of stores, and during major shopping seasons the percentages jump (sometimes up to 30%) if you’re intentional about timing.
2. Browser Extension & Mobile App For Easy One-Click Activation
Install the browser extension so you don’t forget the “enter via Rakuten” step. On your phone you can tap the app and activate the deal before you check out.
3. Stackable with Sales, Coupons & Loyalty Offers
The magic happens when you combine the store’s discount + coupon codes + Rakuten cash back. It’s like layering your savings.
4. In-Store Cash Back & Dining Offers
You’re not restricted to online. The app supports in-store cash back by linking a card + adding offers, so you still earn when you’re out shopping or dining.
5. Payment Options & Schedule
Once your cash back is confirmed, you can get paid via PayPal or check. Payouts come every quarter for eligible amounts.
6. Notifications & Deal Alerts
The app sends push notifications when extra cash back rates pop up or when deals you’ve browsed drop in price. It keeps you in the loop.
7. Refer-a-Friend Bonus
If you invite friends and they join via your link, you earn referral bonuses—another subtle way to boost your cash back. If you’re like me, you’re going to want to do this (like I am now) because it’s just ridiculously awesome earning money back!
Why the Rakuten Cash Back App Works for Intentional Moms
- You already are shopping.
- The app turns that spending into earning.
- It doesn’t require crazy extra effort—just one extra step (activate via Rakuten) and you earn passive savings.
- It gives you control: For example, I schedule large purchases during “high cash back rate” periods and track the rewards.
- The stacking effect aligns with your value of maximizing every dollar without sacrificing quality or time.
- It adds a little fun: Earning $70, $200 or more after a big purchase feels like a win you earned, not just a discount you got.
How I Use the Rakuten Cash Back App in Real Life
- I keep the browser widget installed on my laptop and mobile browser.
- When I’m about to buy something—especially during holiday sales or big purchase seasons—I open the Rakuten cash back app, check the store’s rate, activate the deal, then buy.
- For big purchases (home appliances, electronics), I wait for elevated cash back rates and coupons + loyalty deals. That’s when I’ve earned hundreds.
Getting Started: Tips to Maximize Your Earnings
1. Install the browser extension and mobile app so you don’t forget the activation step.
2. Plan your big purchases during high cash-back windows (holiday sales, promotions).
3. Stack everything you can: store sale + coupon + cash back.
4. Link your card for in-store offers if you shop physically.
5. Track your cash back payout schedule so you know when you’ll get paid.
6. Use referrals to add a little extra passive earnings.
7. Redirect your earnings toward a specific fund (travel, home upgrade, family fun) to keep the momentum.
Final Takeaway
If you’re an intentional mom who wants structure, clarity, and yes—some fun in your money-moves—the Rakuten cash back app is your secret sidekick. You’re not just spending—you’re earning while you spend. That’s a smart use of your budget and your time. Join and spend $50 within 90 days of joining, and we both get $50! Join using this link!
So go ahead: install the app, activate your browser extension, plan your next major purchase, and get ready to stack those savings. You’ll feel like you’re winning at spending.
If you’re looking for a way to get cash back on gas, groceries, and restaurants…Well, I got you, friend! Upside is where it’s at. Here’s more info and why I use it for every fill-up!
Since you’re still here, you may very well be a fellow dollar maximizer like me…have you heard of Copilot? It’s my favorite budgeting app for the last several years, hands down. I share why I love it here.
