Rakuten (formerly Ebates)

Rakuten leads as the most straightforward cashback app, automatically activating 1–15% cashback at 3,500+ stores without requiring coupons or codes. In 2025, members averaged $140 in annual cashback, outperforming #10 Instacart's lack of any purchase reward system. The quarterly "Big Fat Check" payouts have accumulated over $3 billion total cashback paid to users. This payout model is 30% more efficient than the average competing cashback app, which often imposes minimum withdrawal thresholds.