How Cashback Apps Work at Discount Retailers

Cashback apps have become one of the easiest ways to earn rewards while shopping—especially at discount retailers. Whether you’re picking up groceries, household essentials, or school supplies, apps like Fluz, Rakuten, and Ibotta can help you save money on the spot or accumulate cash rewards over time. But not all cashback platforms work the same way—and not all of them are accepted at every store.

Here’s a breakdown of how major cashback apps work at discount retailers, and how to get the most out of every trip.

Understanding the Different Types of Cashback Apps

Not all cashback tools operate the same way. Generally, they fall into three categories:

1. Receipt Scanning Apps – Like Ibotta or Fetch, which require you to upload a receipt after purchase to unlock offers or points.

2. Shopping Portals – Like Rakuten, which give you cashback when you click through their platform before making online purchases.

3. Gift Card and Payment Apps – Like Fluz, which let you earn cashback instantly when paying with gift cards or virtual payment methods.

Each works differently—and not all are accepted at the same stores.

Which Discount Stores Work With Cashback Apps?

Here’s how popular discount retailers align with major cashback platforms:

• Dollar General: Supports digital coupons via its own DG app. Ibotta works here for some item-based offers. You can also earn cashback at Dollar General with a Fluz gift card.

• Five Below: Works well with Fluz for digital gift card cashback. Rakuten occasionally offers online cashback during promotions.

• Family Dollar: Accepts Ibotta for select items. You can also combine with digital coupons from the Family Dollar app.

• BJ’s Wholesale Club: Supports Rakuten and Fluz for cashback online and via gift cards. You can buy a BJ’s gift card with cashback to save more.

• Sam’s Club: Works with Rakuten online and supports Fluz gift card purchases. Some Ibotta offers apply in-store.

Always check each app’s latest participating retailers and current promotions before heading out.

How to Stack Cashback Rewards

To truly maximize your rewards, try combining two or more cashback tools:

• Step 1: Use Rakuten or Ibotta to activate item-specific or storewide offers.

• Step 2: Pay using a Fluz digital gift card to get instant cashback on the full purchase.

• Step 3: Use store loyalty apps (like the DG App) for additional savings.

Many shoppers are surprised to find they can earn cashback from multiple platforms on the same purchase.

Tips for Success

• Save receipts just in case you need them for Ibotta or Fetch.

• Compare cashback rates before choosing which app to use for online purchases.

• Set alerts in Fluz or Rakuten when your favorite stores offer limited-time promos.

• Combine rewards with store sales, manufacturer coupons, or digital codes.

Final Thoughts

Cashback apps take just minutes to set up but can deliver serious long-term value—especially when used at discount stores where prices are already low. Whether you prefer scanning receipts, using gift cards, or shopping online, there’s a way to earn money back every time you shop.

Start with the method that fits your routine—and if you’re looking for instant cashback without extra steps, download Fluz to turn your gift card payments into real savings.