Dosh Review 2024: Pros, Cons, and How It Works

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Dosh is a cash-back app that allows you to link your credit or debit card and receive automatic rewards when you make a qualifying purchase. Here are five ways you can earn cash back with the Dosh app.

Our mission at DollarSprout is to help readers improve their financial lives, and we regularly partner with companies that share that same vision. If a purchase or signup is made through one of our Partners’ links, we may receive compensation for the referral. Learn more here.

The Dosh App has received a lot of buzz since its official launch in late 2017.

Many who have written Dosh app reviews say it’s the cash-back app to beat. In a world where Rakuten and Swagbucks have typically dominated, Dosh has really come out of nowhere.

Its “set it and forget it” approach, an impressive list of participating merchants, and generous referral bonuses are enough to make anyone sit up and take notice.

Dosh Review: What Is the Dosh App?

Dosh is an app that gives you cash back when you make a purchase at participating outlets using your credit card. It also works with debit cards, but you have to choose the “credit” option when checking out.

Dosh is the only cash-back app that automatically sends cash back without the usual hassle involved. No coupons, no scanning receipts, no promo codes, no clicking on a special button. Just shop normally and get cash back.

Is Dosh Legit?

Here are my current Dosh lifetime earnings:

dosh lifetime earnings

Not having to jump through hoops to earn cash back is probably Dosh’s biggest perk. For instance, I’ve been getting cash back from Exxon each time I get gas; and I didn’t even realize it until recently. The money just gets added to my Dosh account.

How Does Dosh Work?

Just download the app and link your credit card. You can start shopping at participating merchants using your credit card, and points will be added to your “Dosh Wallet” right away. Once your balance reaches the minimum of $25, you can cash out via direct deposit or PayPal.

The company has formed a partnership with major brands, merchants, companies, and hotels to help you get money back (up to 10 percent) every time you make a purchase.

As with all cash-back apps, you have to spend money to save money. If you shop a lot and live near many participating stores, then having Dosh will save you a ton of cash.

How to Make Money with Dosh

Dosh offers users several ways to make money or get cash back.

1. Earn $5 by linking your card

When you first link your credit card with the Dosh App, it’ll instantly add $5 cash to your Dosh Wallet. There’s no need to “unlock” this bonus; you get it as soon as you link your card. And you can add additional cards for more cash.

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2. Online cash back

If you’re a frequent online shopper, then you’ll have a blast using the Dosh App. When you make a purchase at a participating online retailer, the amount goes straight to your Dosh Wallet.

3. In-store cash back

Bought yourself a new pair of shoes at Nike? You get 4.5% cash back. Grabbed a bite at Jack in the Box? 7% of the money you spent goes back to you. No coupon, no receipts, and no scanning involved. Just let the cash accumulate in your Dosh Wallet.

4. Travel cash back

By booking hotels using Dosh, you’re guaranteed cash back every night of your stay. Dosh partners with more than 600,000 hotels around the world. And get this: you can receive up to 40% cash back when booking a hotel through Dosh.

5. Refer friends and businesses

As soon as you sign up on the Dosh App, you’ll see the option Refer on the dashboard, where you’ll be given a referral code. You can then send this code to friends and family. If one of the recipients clicks the link, downloads the app, and links his or her credit card, you earn a referral bonus of $5.

If you could manage to get 25 friends to download the app and link a card, you’d earn $125. If you want to earn the big bucks, referring businesses to Dosh is even better. Refer a business to the Dosh App and you earn 20% of the business’s Dosh fees for two years. To become eligible, you need to agree to some terms and conditions and then fill out a form on the app.

How Does Dosh Pay You?

It’s really simple. You pay for stuff at participating stores, and a small slice of your purchase gets put back into your Dosh balance. Once you have a minimum of $25, you can cash out the balance through your PayPal or bank account. You can cash out referral fees using these same methods as well.

PayPal is more convenient for me, and I’ve never run into any issues with cashing out. See screenshots below:

Dosh Review: Screenshot of Dosh Payouts

Related: 11 Best Shopping Apps for Epic Savings

Other Cash-Back Apps Like Dosh

Cash-back apps are nothing new. But unlike Dosh, other programs require you to do a lot more work before you get your cash back. But some cash-back apps have unique advantages that may be a better fit.

1. Swagbucks

Swagbucks works like other cash-back apps, but you can also earn free gifts and cash for the everyday things you do online.

These include playing games, watching videos, shopping, doing searches, answering surveys, and more. You can earn points (referred to as “SBs”) to redeem for cash back by shopping online at over 1,500 retailers including Walmart, Starbucks, and Target.

You can get free gift cards to popular retailers like Amazon and Walmart by redeeming points through the Swagbucks dashboard. If you prefer cash, you can have your points converted into cash and deposited to your PayPal account.

2. InboxDollars

Since its launch in 2005, InboxDollars has paid a total of $25 million to its members and counting.

Just like Swagbucks, InboxDollars rewards you for doing stuff online, such as watching TV, taking surveys, shopping, and more.

3. Shopkick

Launched in 2009, Shopkick has millions of users who regularly earn rewards for shopping both in-store and online. The company has a solid list of partners, including American Eagle Outfitters, Best Buy, eBay, and Groupon.

Like other cash back programs, Shopkick has its own rewards system. You buy an item from a store, scan a product, and you get “kicks” as a reward. The “kicks” you earn can be redeemed for gift cards or physical gifts.

4. Ibotta

As with the Dosh App, Ibotta gives you money back when you make a purchase at selected stores, restaurants, and hotels. To earn cash back from a transaction, you have to scan the receipt using your smartphone.

After taking a photo of the receipt, you need to wait between 24 and 48 hours before the money shows up in your Ibotta balance. Ibotta also offers cash back through referrals as well as special promo codes for bonus discounts.

5. Rakuten

This is probably Dosh’s biggest competitor. Rakuten (formerly Ebates) has a $10 signup bonus and sometimes has better cash-back deals than Dosh, but it’s a less flexible platform.

To get cash back from Rakuten, you must make your purchases through the app or by visiting its online portal first. You can also download its browser extension which notifies you when there’s a cash-back offer.  However, there’s no rule saying you can’t sign up for multiple cash-back websites or apps, so it doesn’t hurt to add Rakuten to your shopping arsenal.

Is The Dosh App Safe?

Judging from my own experience and other positive reviews, it’s safe to use Dosh. While the product isn’t perfect, multiple online sources and personal accounts can attest that Dosh is a legitimate business.

Dosh doesn’t have the capacity to store your credit card information since all data is tokenized and vaulted using Braintree. Braintree is a division of PayPal, one of the most trusted payment platforms.

All transactions taking place in the Dosh App are SSL-encrypted, meaning that it’s highly unlikely that the data can be accessed by third parties.

BBB Rating

Since November 2017, the Better Business Bureau has determined that Dosh Holdings, Inc. meets the agency’s standards of accreditation. The company has an A- rating.

Drawbacks of Dosh

Even Dosh has its drawbacks. Here are some of the downsides of Dosh:

  • It’s only available in the U.S. As of this review, the Dosh App is only available to those who are living in the United States. The company may expand to other countries in the future.
  • You can’t link credit cards you’re using on similar sites. Are you registered under the Yelp Cash Back program? If so, you won’t be able to use Dosh (with the same card, at least), as Dosh prohibits using cards on similar sites.

What Are Some Participating Dosh Merchants?

As far as participating merchants go, Dosh boasts an all-star lineup. It has Nike, Walmart, Gap, Fitbit, Sam’s Club, Callaway, Patagonia, Snapfish, Forever 21, Hilton, Jack in the Box, and more.

Here’s a partial list of participating Dosh merchants and their corresponding credit rates (note: verify these rates before making a purchase, as the cash-back percentages can change):

Walgreens – 4.5% Cash Back
Safeway – 3% Cash Back
Office Depot – 2% Cash Back – 2% Cash Back
Sam’s Club – 2% Cash Back
Nike – 3% Cash Back
Home Depot – 6% Cash Back
Staples – 2% Cash Back – 2% Cash Back
PetSmart – 10% Cash Back

Should You Get the Dosh App?

It never hurts to earn money back when you’re already shopping. It’s even better if you live in an area populated with businesses participating in the program. If you love to travel, the Dosh App has great hotel offers that can help you save money.

The biggest perk of Dosh over other cash-back apps is that there’s no hassle or hoops to jump through to get cash back.

More importantly, the Dosh App is not a scam. It’s a legit business that can provide long-term benefits to regular or frequent shoppers.

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Jeff Proctor

Hi! I'm Jeff. A personal finance nerd and entrepreneur at heart, I'm here to bring you all the latest cool ways to make and save extra money. I am a quoted contributor in several online publications, including Entrepreneur, NBC News, GoBankingRates,, Credit Karma, US News & World Report, Lifehacker, MSN Money,, Yahoo! Finance, and more.

Bryan E Andersen
Bryan E Andersen

Hi, Jeff! I myself like the app but I can’t seem to get any of my friends to even give it a try.

I sent my link to my daughter and had her place it on her social media accounts (she has thousands of followers). Nobody has used the link and I still have no referrals.
Is this normal? I have sent it out to everyone on my phone and email list, also. Any tips for getting referrals?

Father of three here and struggling to feed them, and their pets too. Any and all help would be greatly appreciated!


I saw the link to this app in a Facebook post. Between the reviews and this awesome article, I’m in. Thank you so much.


Thanks for the informative article. I redownloaded the app because of it.

To clarify: If I sign up for both Ebates and Dosh, would Dosh require me to use a different card?

Yes, I believe that is correct.

Debra Merrill
Debra Merrill

Anyone had any problems with deposits being really slow? I’ve been waiting on a $38 payout since 12/27 which shows as still pending on their end. How long does it normally take?

Travis Jones
Travis Jones

I’ve been having the same trouble. Have you had your money deposited yet or has it still been saying pending?

Christopher DeWolfe
Christopher DeWolfe

Why do certain businesses show up on my wife’s Dosh account but not mine?


Hi! Have you seen/are you aware of a cap to earnings, daily or otherwise, with Dosh? Thanks!

Hey Marcy!

I (we) are not aware of any daily (or monthly/yearly) earnings cap with Dosh. Have you been hitting some sort of roadblock?


Hi! I’ve been using Dosh for a while now, but I recently had my card renewed with the chip in it. I know that I need to do credit transactions to receive the cashback, but sometimes the card reader forces it as a debit. I have looked on the Dosh site and it says to send an image of the receipt to get the cashback, but I can’t figure out how to do that. Any ideas? Thanks.

Hey Mary — you’re totally right, sometimes it forces debit on customers and there really isn’t a way around that, unfortunately.

All you have to do is send a picture of your receipt to Dosh Support according to this FAQ article. (There is a “Submit Request” link in the top right portion of the page).

Hope that helps!

Rebekah S
Rebekah S

How can Sam’s club be linked to this app when you can only use cash or a debit card when making a purchase? Dosh requires you to use a credit card and Sam’s won’t allow you to use the debit card option at check out.

Dosh will let you link a debit or credit card. If you do use a debit card in a store, you’ll need to utilize the “use as credit card option” you’re referring to. If a store does not allow you to swipe as credit (although most do), you can always take a picture of your receipt and send it to Dosh support if necessary. It is rare to have to do this, however.

Peggy Cutler
Peggy Cutler

I’d really rather use my desktop computer to do this. I read this page to make sure it is not a scam, so thank you!

Toni Banks
Toni Banks

I can’t see a way to link up businesses with Dosh. Can you point me to a link?

Leslie Black
Leslie Black

I used Dosh all last year with ease in 2018. I have not had one deposit this year and I use the stores listed and have gotten no money back (Pier One, Kroger, Sams Club, etc.).

I sent an email to Dosh and they did not understand. I reentered my credit card…still nothing. I am very disappointed. Can you help?


I bought some Disney gift cards at Walmart. I already had my debit card linked to Dosh but haven’t received any credits to my account. Do gift cards count? It’s been about a month.


I just joined Dosh but not through your link. Is that why I only got $1 for linking my credit card instead of $5?


I’ve noticed that a particular local restaurant we frequent is listed on Dosh some days and some days not, particularly Friday and Saturday. How sneaky. Is this common practice? Has anyone else noticed this with other merchants?


It’s really not sneaky if you consider why a restaurant would work with Dosh. On slow days, they are happy to pay Dosh to attract some more business; any additional customer helps defray their fixed costs.

It wouldn’t make much sense to do so on Fridays and Saturdays when they probably have no problem filling up the place. Just like you wouldn’t put someone out on the sidewalk trying to get people to come in (is there a name for that?) when all your tables are already filled.


Yes, of course I know WHY they would do it. Thing is, I went to this particular restaurant one Friday because I knew they were on Dosh. Except then they weren’t. So, I felt tricked. Definitely check the app that day before you patronize!

Mike Duffy
Mike Duffy

How can I view the participating stores in my area before I add my credit card info?

Unfortunately, Dosh doesn’t have that info readily available on their website as far as I can see.

That said, if you download the app and open it, there’s a “What’s Nearby” map that shows the businesses they have near you. That essentially accomplishes what you’re looking for and you don’t even have to create an account/enter any credit card info before doing it.

Hope that helps!


I would like to have a more complete list of merchants. Dosh claims there are 1000s, but I have yet to see more than 20.

Is Costco a Dash merchant? If so, at what % for regular purchases?

Costco is listed as a Dosh merchant at 3% cashback, although it does look like there may be a cap of $10 in annual cashback (which obviously isn’t very much).


So, how does Dosh know that I used the card that is assigned to my account? Are they going to scan my bank statements or through the merchant?

Dosh uses one of the most popular financial services in the US, Plaid. The service is a data transfer network that can match payments at institutions that you make through the app! (No need to scan your bank statement).

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