The Top 5 Cash Back Couponing Apps For Canadians

thetop5cashbackcouponingappsforcanadians.jpgMany brand manufacturers are opting to go paperless when offering coupons on their products. When you consider the printing, paper and postage costs they incur with paper coupons, it makes sense because they can still offer great savings to potential customers while controlling their costs.

Since there are often no restrictions except for size and quantity on these offers, some really great stacking opportunities can present themselves which is great news for couponers. All that is needed to access these apps is a compatible smartphone, and a data plan or wireless connection. Quite often the same product will be offered on more than one app, in addition to paper coupons, meaning you might get 3 or more discounts on the same product!

The Top 5 Apps In Detail

1) Checkout 51

Checkout 51 is one of the better apps because they have plenty of good offers on commonly used household products. You can cash out after $20 is accumulated in your account and they will mail you a cheque.

One thing to be aware of is that Checkout 51 uses barcode verification on some of their offers. It is initiated when you submit your receipt to redeem the offer and you will be prompted to scan the UPC of the product in question to ensure that you have purchased the required item.This is a very quick procedure that I do not find to be a hassle. So far, Checkout 51 is the only app to require this.

Accounts are limited to one per member and two per household. If you have more than one membership in your household, there may be differences in the products or rebate amounts for the same offers. Sometimes I will get a lower cost on an item by redeeming it on my husbands membership other than from my own, due to different rebate amounts for the same product.

2) Snap by Groupon

This app generally has fewer offers than Checkout 51, but usually have higher customer limits and rebate amounts. Most of the offers feature commonly used household products but there are also some financial based offers like cash back for credit card applications. The cashout minimum is $20 and they will mail a cheque to your home.

Accounts are limited to one per person, and two per household. Offers that advertise no weekly limits actually do have a limit of 50 per customer as stated in the terms and conditions of the app. Some offers have limits of one item per receipt with no weekly limit, but if you purchased 50 of that same item in separate transactions you will be approved for them all.

3) Zweet

Zweet features offers for both common and ethnic products, with varying customer limits. Zweet offers tend to have lower rebate amounts, but there are more featured products than some of the other apps. There is a $20 minimum for cashout, and the check is mailed to your home.

Accounts are limited to one per person, and two accounts per mobile device. Members must be at least 16 years old. They also have a rewards program called zweet points. These points can be earned by redeeming offers, updating your profile, and by performing other in-app activities. These points will be redeemable for rewards in the upcoming Zweet rewards store.

4) Cartsmart

Cartsmart is still new in the world of coupon apps. They generally feature fewer offers with varying limits. They have the added benefit of being able to cashout to PayPal with only a $5 balance, or request a mailed check with a minimum $20 balance.

Accounts are limited to one per person, and two per household. Cartsmart also features occasional hidden offers, unlocked with IQ codes that are entered from the main menu for occasional bonus offers. Two IQ codes that are available right now are BETTERCART, and HERSHEY.

5) Save.ca Cashback

This app is the newest and has fewer offers along with a standing limit of one redemption per offer per customer. This app deals exclusively with PayPal, so any amount accumulated in your account can be transferred to there. You are eligible to cash out to your Paypal account when you have accumulated at least $5.

Accounts are limited to one per member and two per household or device. Save.ca will frequently feature offers for certain types of products that are not specific on the brand name. Examples of ones I have received lately are, “any size or brand of popsicle”, or “any dairy milk of 1 liter or more”, which makes qualifying for the cash rebates much easier.

Related: The Best Cash Back Websites For Canadians

How These Cash Back Apps Work

The five apps listed above, are all now available for either Android and iOS. Each app offers a list of products and rebate amounts, and product specifics like volume or weight and customer limits, if any. When an offer is redeemed, the amount of the offer is deposited into the member’s account. Upon cashout, the money is either transferred into your personal PayPal account, or a physical check is mailed to you. There are other points and savings apps in Canada, but in my opinion these are the five best and most popular.

You can obtain membership by first going to either Google Play or iTunes, depending upon the device, and downloading any or all of the apps. You must then register with a valid email address and some basic personal information, and confirm membership usually through clicking on a confirmation link in an email sent to you by the company. After that, you are on your way to receiving and redeeming some great offers.

Stacking Different Offers Together To Increase Savings

Shoppers are unable to stack two different paper or printable coupons on the same item in Canada, but you can stack app cash back with existing paper coupons and there are other ways to stack like using rewards programs and credit cards. Using a virtual coupon binder, like I will describe in an upcoming post, can help you stack offers efficiently.

Some of the offers on these apps will specifically state that they are not to be combined with any other offer, promotion or coupon. It helps to have a glance at the fine print for each offer to determine this before you go shopping. On the other hand, the receipts from most retailers do not use any definition in the wording for the manufacturer coupon used. Where a coupon has been redeemed, they state only ”Manufacturer's Coupon” and the amount redeemed. Because of this, there is nothing to tie a certain coupon to a certain product on your receipt.

You can be honest and not stack offers where is is not technically allowed, or you can use a coupon on the item and still submit the receipt. The only way for the receipt to be rejected, is if you have only purchased one item in the transaction and used the coupon. In this case there is no other product on the receipt that the coupon could have been used for, so your receipt may be rejected. In the case where two apps will have an offer on the same product, there is really no way for them to tell that you have redeemed two different app offers on the same product, as there is no change made to the receipt to indicate this. In these cases you can really choose to either listen to the little angel or the devil that is your conscience, and make your own decision on it.

Related: Multiply Your Savings With A Coupon Book

Is the Money Taxable?

I have checked around, and concluded that this money is not taxable as income under Canadian tax laws. It is a post purchase price reduction. By all means, when your cheques come in the mail, save the cheque attachment for your records to prove the money’s origin. But it is not classed as income, and should be void from any income tax clawback.

Do You Use Them?

Do any other people take advantage of these great money saving apps? I would love to hear any positive or negative feedback on your experience with them!

Disclosure: Some links in this article may be affiliate links. We're letting you know because it's the right thing to do. Here’s a more detailed disclosure on how HTS makes money.

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Comments

Ashlee
Ashlee's picture

I've been using checkout 51 for a bit, haven't collected much but mainly because I try to only buy items that we need not everything that gives me cash back. I was using Snap but the few offers that I would use sell out quickly. I haven't been able to collect enough cash back to request a cheque, but when I do, I will stop using snap.
I look forward to trying the other three! Thanks for the article :-)

September 02, 2015 @ 2:21 am
Stephen Weyman
Stephen Weyman's picture

No problem Ashlee, it definitely helps to be quick to scoop up some of the better offers for sure! Thanks for sharing your experience.

September 03, 2015 @ 11:07 am
Condoleeza
Condoleeza's picture

SNAP is terrible. I used to use to buy things and when I went to submit the receipt, it would sold out. Like the previous person said, everything is always sold out. I like and use Checkout 51 and I like that now you can submit multiples of the same item.

September 25, 2015 @ 3:09 pm
Stephen Weyman
Stephen Weyman's picture

I like how SNAP has some everyday items available but they do sell out quickly. I'm sure the reason for that is they make no money on those kinds of deals so they limit quantities to remain profitable. They get their income from brands who are willing to pay to have their products listed in the app. It's better than nothing, but can certainly be frustrating when you miss out.

September 28, 2015 @ 11:14 am
Wendy
Wendy's picture

Snap used to be much better before Groupon purchased it. I used to be able to save a lot more money on snap.

December 05, 2015 @ 7:47 pm
Stephen Weyman
Stephen Weyman's picture

Unfortunately that's often the case when a big company gets ahold of a smaller startup.

December 07, 2015 @ 9:49 am
Char Dorey
Char Dorey's picture

Yes, you really have to act fast to claim some of their offers. I do really well with some of the less obvious stacking opportunities that I come across with my deal finder. But when the item in question is marked down low enough that a single offer is almost enough to make it free, everyone spots that and they are gone in no time.

October 01, 2015 @ 12:59 am
Char Dorey
Char Dorey's picture

Try setting up a program like I have mentioned in one of my other articles, and you will be amazed at how fast you can amass a stockpile, using only 30% of your household grocery allowance. I am moving to Nova Scotia from Ontario in a month, and I am so far ahead I only need to buy fresh food and milk from here on out. All the rest I can't take will go to the food bank.

October 01, 2015 @ 1:03 am
Marilyn*
Marilyn*'s picture

We don't have Android or iOS phones, but can still participate with our desktop computer and scanner for Checkout 51 and Snap.

October 05, 2015 @ 2:10 am
Stephen Weyman
Stephen Weyman's picture

That's good to know about using your scanner and desktop computer if you don't happen to have a smartphone! I like the idea of just snapping a picture of the receipt because it's so quick, but smartphones can be expensive too :)

October 05, 2015 @ 3:14 pm
Louise
Louise's picture

Watch the offers....some offers do NOT allow a coupon to be used with it, do NOT allow another cashback app to be used.

AND, if anyone thinks, and I'll use Checkout 51 as an example, that a sale price (or price matching a sale price) is allowed, when it states on the item "it cannot be combined with any other offer or in-store discount", that means "that the item must be purchased at regular price without any store discounts, sales, coupons, or any other discount offers from the manufacture or other apps."

January 22, 2016 @ 1:13 pm
Stephen Weyman
Stephen Weyman's picture

Usually "another offer" never includes sale prices. Otherwise you'd rarely ever be able to use a coupon anywhere at all because people almost always combine them with sales. It's open to interpretation so there is no harm in trying and if they deny it - then fine.

January 24, 2016 @ 7:35 pm
Denise
Denise's picture

Caddle is the newest one.

October 25, 2016 @ 11:21 am
Pussycat
Pussycat's picture

I have been using Checkout51 since December 2014 and have recently received my third cheque for a total savings of over $300. Some weeks there is nothing I am interested in purchasing and other weeks I redeem over $10. I miss the fresh produce savings and the $2 off wine that were there when I started. Overall it is a good site. I use both the computer and scanner method and my smartphone. The phone has a few more offers.

January 24, 2017 @ 5:39 pm
m
m's picture

Can anyone recommend a blog/enewsletter that collates all the rebate and coupon offers with grocery ads, eg, "At Loblaws this week iogo 1L is $3.99, use the save.ca $1 coupon with the Checkout51 $1 rebate and pay $1.99 net"?

February 09, 2017 @ 1:30 am
Stephen Weyman
Stephen Weyman's picture

This used to be a thing on several sites. It was called "coupon matchups". However, due to the time-intensiveness of the process and that most offers are being switched to personalized - they all pretty much stopped doing it. It's really a shame.

February 12, 2017 @ 9:01 pm
Rebecca
Rebecca's picture

The Flipp app will pair coupons with what's on sale in your flyer. That might help a little bit.

March 02, 2017 @ 11:54 pm

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