8. Benefit From Cash-Back Shopping

Cash-back apps reward you with a percentage of your purchases. You just sign up, shop through the platform, and earn cash back at no extra cost. Rakuten offers high cash-back rates and access to over 3,500 stores but doesn't provide Walmart gift cards—only PayPal, AmEx points, or checks. For Walmart gift cards, use Drop, which links to your cards and earns points passively. However, Drop has lower cash-back rates and needs periodic offer reactivation.