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Fetch Rewards Review: Here’s How Much We Earned

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Fetch Rewards promotes itself as “the easiest and quickest way to save,” and more than a million users have given the popular receipt-scanning app a five-star review on the iOS app store. But is the program legit and worth your time? 

In this Fetch Rewards review, I’ll walk you through my two-week test of the app, showing you exactly how much money I earned and how much work was involved.

Plus, I’ll go over the type of person who shouldn’t even bother downloading the app. 

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Fetch Rewards offers one of the best overall experiences of any receipt-scanning app that we’ve tested, thanks to its consistent payout amounts (each receipt earns at least 25 points) and its low minimum withdrawal ($3). Users can upload up to 35 receipts per week, so frequent shoppers may be able to earn a few free gift cards per year with consistent usage.

FETCH PROS:
  • Has a clean interface and uploading receipts only takes a few seconds.
  • You earn reward points for all eligible receipts (you don’t have to activate offers or purchase specific items).
  • The payout structure is transparent (so there’s never any mystery about how much you can earn).
  • The minimum cash-out amount is just $3.
FETCH CONS
  • Uploading receipts is easy, but the earning potential is low on a per-hour basis, and points accumulate slowly.
  • Most of the promotions in the “Special Offer” section — where you’ll find the best bonuses — are for rarely-purchased items (like magazine subscriptions).
  • Fetch doesn’t offer a cash-back shopping portal, so the only ways to earn are by uploading receipts and sharing your referral code.

Fetch Rewards Review: Key Facts

Before we dive into the Fetch Rewards app’s inner workings, let’s do a quick overview. 

  1. Fetch accepts paper receipts from all physical retailers. This includes all restaurants, gas stations, pet stores, clothing retailers, bodegas – everything
  2. Fetch also accepts e-receipts if they come from one of 50+ partnered online retailers.
  3. Receipts earn a base rate of 25 points, whether you spend $10 or $1,000.
  4. You can earn bonus points for purchasing qualifying items, but you don’t need to activate offers before shopping.
  5. Fetch lets you redeem your points for gift cards, prepaid Visa cards, charity donations and sweepstakes entries.
  6. You can earn a 3,000-point sign-up bonus when you join using our link (no referral code is required).

How Fetch Rewards Works

Essentially, you snap a picture of a receipt (any receipt) and earn Fetch rewards points. When you’ve collected enough points, you can redeem them for free gift cards. Simple enough, right?

Once you download the Fetch app, you can start taking pictures of any receipts you’ve collected over the previous two weeks.

Any receipt from any retailer counts. As long as the receipt has a merchant’s name, the total amount spent and the date, Fetch will accept it and give you at least 25 rewards points. The whole receipt scanning process takes about 10 seconds from start to finish.  

This simple, easy rebate app is CEO Wes Schroll’s brainchild from way back in 2012, when he was a sophomore at the University of Wisconsin-Madison. Since then, he’s grown the company to a whopping $1 billion valuation. 

Fetch makes its money by partnering with companies and selling them the data it compiles. Personal info, shopping lists and spending habits are all considered fair game for Fetch to share with these partners.

Their privacy policy doesn’t actually answer how they share your data (i.e., whether it’s encrypted, personalized, etc.). Instead, they suggest you do your own research on its hundreds of partnered brands to determine what other companies may or may not know about you.  

Fetch Rewards Partnered Brands

Most users will earn more than 25 cents per receipt. Fetch has partnered with 350+ of America’s most popular brands, like Pepsi and Cheerios, and you earn extra points (generally 50 points) when you buy their products.

A screenshot from the Fetch Rewards app showing some of the partner brands that offer bonus points.
You can browse partnered brands by category, or search for them by name.

You don’t have to purchase any specific items from these partner brands — the extra points are added automatically when a brand appears on your receipt. 

Bonus Points

Some brands also run limited-time special offers, which you can find on the app’s main dashboard. These offers are unique to you and can earn you hundreds or thousands of points each. 

Here are the 10 most valuable bonus offers I found at the time of publication, ranked based on total points awarded.

ProductCriteriaPoints
hum© electric toothbrushesExcludes children’s sizes and replacement heads.10,000
Magazines.comMust spend $35+.6,000
AleveX pain relieving lotionLimit one per user. Only valid on 2.7 ounce size.5,000
Ancient Nutrition collagen peptidesOnly available when purchased at Target.5,000
Real Simple, Martha Stewart Living, and Better Homes & Garden MagazinesMust buy three magazines.5,000
Subscribe to any two fall titles at Magazines.comMust use link provided to be valid.4,000
VetIQ supplementsCan’t be stacked with other offers.4,000
Aleve50+ count only, must purchase at Walmart.3,500
Pet Armor Plus Fleas and TicksCan’t be stacked with other offers.3,500
EVOLVE plant-based protein powderMaximum of two redemptions.3,500


As you can see, most of these aren’t things the average shopper buys on a regular basis. 

If you scroll down to view the bonuses available at the 2,000-point level, you start to see more commonly purchased items, like diapers, snacks and paper towels. However, you’ll spend a lot of time scrolling through the bonuses because they change from week to week and there’s no way to filter or search them. 

Some of the most useful special offers are percentage-based rather than fixed point amounts. For example, when writing this review we found offers for 100% back on a package of Klondike Reese’s Bars and 4% on Barilla pasta products. 

How Much We Earned Using Fetch Rewards

After exactly two weeks of use, I earned 2,502 points, which is the equivalent of $2.50.

1,000 Fetch Rewards points = approximately $1. 

2,000 of those points were for a “welcome back” bonus, as I had tested the app previously prior to writing this review. (It wasn’t specifically called that, but I’ve noticed that Fetch does offer more special bonuses when you’re a new or returning user.) 

I earned 202 points in bonuses for buying products from partnered merchants. The rest were from normal 25-point receipts. 

Here’s my Fetch Rewards earnings breakdown:

Paper receipts uploaded:14 
Digital receipts uploaded:1
Total points earned:2,502
Total time spent in the app:23 minutes
Earnings per hour:$6.52

So is Fetch worth the effort?

Well, like most things in life, little effort results in little reward. Without that 2,000-point bonus, my “earnings per hour” would actually be $1.30.

However, I buy mostly store-brand products, which lowers my earnings. Those who buy products from the partnered brands, or who shop more frequently, will have somewhat better luck. 

More Fetch Rewards Earnings Data

One of The Ways To Wealth’s editors tested Fetch Rewards over a 10-month period from January 2021 to October 2021, using the app for both personal and business purchases.

Here’s his data from that test period:

  • 252 receipts uploaded.
  • $10,661.10 in total spending.
  • 14,445 points earned (11,945 from receipts and 2,500 from promotional offers).

As we noted above, 1,000 fetch points equates to about $1. So this 10-month test produced a total return of $14.45, or approximately .136% of his total spending.

Getting Paid

With Fetch rewards, you’ll need to collect at least 3,000 points to cash out. Remember: 1,000 points = $1, so the minimum cash-out is $3.

Redemption Options

Fetch offers five point redemption options:

  • Prepaid Visa cards.
  • Gift cards (for restaurants, shops, online stores, hotels, flights and more).
  • Magazine subscriptions.
  • Charity donations.
  • Sweepstakes entries (i.e., you can spend points for the chance to win a $100 or $500 Visa gift card).
  • Note: There is no option to receive PayPal cash, Venmo or a bank transfer.

The final option has the lowest barrier to entry, as you can play the sweepstakes with only 100 points.

Next, at 3,000 points, you can cash out the lowest level gift card ($3). However, as shown in the screenshot below, not all gift cards are available is $3 allocations.

Some of the Fetch Rewards gift card redemption options.
Fetch shows you the different options available based on your current points level, as well as your progress to the next level for each gift card.

At 5,000 points you can redeem points for a magazine subscription.

Finally, the lowest level Visa card requires 6,000 points, but only gives you a $5 digital card (if you want a physical card, they take out $3 for shipping and handling). 

Time Required to Earn Rewards

Let’s assume you buy at least one name-brand item each time you go to the store. Let’s also assume you got that 2,000-point bonus at the beginning, but not afterwards (since you’re now a loyal user).

Here’s how long it would take you to earn…

  • The lowest value, $3 gift card: 20 days (uploading one receipt every day).
  • A $10 gift card: 11 weeks (uploading two receipts every day).
  • A $25 gift card: 15 weeks (uploading four receipts every day).

Based on the data collected in our 10-month test, you can expect a total rate of return of around .136%. CNBC reports that the average American household spends approximately $22,665 per year, so that same average family could expect to earn points worth around $32.80 of gift cards (assuming they uploaded every receipt).

Our Cash-Out Process

If I only had the 2,502 points I earned over the course of this two-week test, I’d only be able to play the sweepstakes because the minimum points for a gift card is 3,000.

However, because I had some points left over on my account from a few months ago, I was able to test the current cash-out process. 

I opted for a $5 Dunkin gift card, which the company says can take up to three days to process; I received mine via email about an hour after requesting it. 

Fetch Rewards: Additional Features

Like all companies trying to keep a competitive edge, Fetch tries out new features every so often. Here are some of their additional features they’re showcasing. 

Fetch Pay

Fetch Pay is a physical debit card you can use at any location for any purchase.

In exchange, you earn one point per $1 spent. (Meaning you’d need to spend $3,000 to earn a $3 gift card). You can also snap pictures of receipts you received when paying with Fetch Pay, thus double-dipping on rewards.

Given Fetch’s points-to-dollars exchange rate, 1 point per dollar amounts to a cash-back rate of 0.1% — well below what you can earn with other cash-back debit and credit cards.

Related: These cash-back apps often pay 5-10% on online purchases with minimal effort.

Activity Dashboard

Fetch keeps track of your spending with neat graphs and monthly breakdowns. It can show you how much you’ve spent at a particular store in a particular week, month or year, and exactly what you spent each trip. 

A graphic showing the Fetch Activity tracker.
Fetch gives you quick access to a breakdown of your overall spending.

This is great for people using budgeting apps like Truebill, which only track spending for two budget categories with their free plan. Fetch basically does some of the budget tracking for you, as long as you snap a picture of every receipt.

Also, fetch keeps a record of every receipt you upload. This can be helpful for expense tracking, if you need to dispute a charge later, or if you want to make a return or price protection claim after you’ve discarded the paper receipt.

Here’s an example of what the receipt log looks like:

Fetch Rewards Referral Program

If you’d like to make some extra gift card cash and you have a large, untapped friend network, you might consider using the referral program.

Though the bonus point amount changes every few weeks, most people earn a referral bonus of somewhere between 2,000 to 4,000 points. You’ll get a bonus every time a friend signs up and snaps their first receipt. 

You can find your unique referral code by opening the Fetch app and navigating to Me > Refer a friend

Fetch Clubs

Currently, Fetch is piloting two club programs: one with Huggies and the other with Pepsi. 

Clubs are essentially loyalty programs, giving you access to extra reward points, special bonuses when you hit certain spending milestones (like $150), and bonus content like recipes, sweepstakes, and even a year’s subscription to a magazine.

Fetch vs. Ibotta

Ibotta is another popular receipt-based rebates app. You snap a picture of your receipt (or link your Ibotta account to your store loyalty card) and earn rebates based on your purchases.

You can redeem that money in the form of gift cards or a cash deposit. However, you need to manually scroll through and select each desired Ibotta offer from the hundreds available at any given time (I counted almost 650 available at my local grocery store today). If you forget to “add” an offer, you get $0, even if you bought the item. 

Learn more in our in-depth Ibotta Review.

Another key difference between Fetch and Ibotta is that you can only use Ibotta when you shop at specific stores. When shopping in person, the majority of offers are found in major grocery stores. However, Ibotta also has a browser extension so you can earn cashback when you shop online at a ton of major retailers, (frequently 1% cashback, but some stores offer more).  

Unlike Fetch, Ibotta’s rebates are pretty high. They frequently offer large rewards like “$10 for redeeming 16 offers,” “buy one, get one free” offers, or even completely free items. They also have the “any brand” offer section, where you can get cashback for buying any brand of household staples like soda, diapers or laundry detergent. 

Ibotta takes more work but earns you more cash. Though I haven’t done a comparison as to how many hours I’ve spent with Ibotta, I’ve earned close to $200 in the year and a half I’ve used it. In a year with Fetch, I’ve earned about $13.

Fetch Rewards FAQ

Is there a limit to how many receipts you can upload?

Yes. There’s currently a limit of snapping no more than 35 receipts in a 7 day period. 

Can you upload the same receipt to multiple apps?

Yes! The same receipt can be uploaded to Ibotta, Receipt Hog and other rebate apps.

What is an eligible receipt? 

Fetch accepts receipts from all merchants, but only if they meet certain criteria. To be deemed an eligible receipt, it needs to be no older than 14 days, and it must include both the merchant’s name and the total amount you paid. 

Do Fetch points expire?

Yes. If you’ve done nothing on your account (no receipt scanning, no redeeming rewards, etc.) your points will expire in 90 days. You get an email after 60 days, and if you snap another receipt before the 90 day mark, your points will stay valid.

Can you earn points for online purchases?

Fetch Rewards is strictly a receipt-scanning app and does not offer a cash-back shopping portal. However, you can earn points for online purchases at a limited selection of popular retailers and restaurants by linking your Amazon and/or email account and allowing Fetch to scan your e-receipts. You can see the list of participating brands here.

Can Fetch Rewards points be exchanged for an Amazon gift card?

Yes, you can redeem your Fetch Rewards point for an Amazon gift card. Additionally, Fetch has one of the longest lists of gift card options we’ve seen in a rewards app, with options from dozens of popular retailers.

Fetch Rewards App: Our Final Thoughts and Recommendation

The Fetch app can be a useful tool for certain people. If you shop frequently (even multiple times a day), you’ll get at least 25 points for every trip to the store, gas station or restaurant. If you already buy items from Fetch Rewards partners (or are willing to switch brands), you’ll get even more points. For this reason, we rank it as one the best cash back apps for groceries.

If you’re looking for a way to save money at the grocery store, we recommend signing up and using it for a month to see if it’s worth your while.

And any app that can buy me a Dunkin’ mocha with basically zero effort is a win in my book. 

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Hillary Swetz reviews personal finance products, apps and services for The Ways To Wealth. Connect with her on Twitter @hillaryswetz and read more of her work on her frugal living website Homegrown Hillary.

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