Ibotta is considered by many to be the best grocery rebate app, but you’re missing out if you haven’t tried Fetch Rewards.

Since I first downloaded Fetch Rewards in January 2018 and started uploading my grocery receipts every week, I’ve redeemed my points for more than $500 in Amazon gift cards.

Even better, sometimes I’m able to earn double the cash back by using Ibotta and Fetch Rewards for the same purchase.

RELATED: Ibotta cheat sheet: How I earned $3,000 cash back

What is Fetch Rewards and how does the grocery rebate app work? 

I know that you may be thinking you really don’t need ANOTHER cash back app on your phone, but I’m going to explain why you do.

If you’re just here for referral codes, they’re listed below the table of contents…

Fetch Rewards review: Table of contents 

Fetch Rewards and Ibotta referral codes


  1. Use my referral link to sign up
  2. Download the Ibotta app and redeem an offer
  3. Collect your $20 welcome bonus

Fetch Rewards

  1. Download the app: App Store (iOS) or Google Play (Android)
  2. Enter referral code MICHAEL 
  3. Collect your bonus points (Usually 2,000-4,000 points for new members)

Fetch Rewards is legit! An overview of the grocery rebate app

Fetch Rewards is based in Madison, Wisconsin. A company spokesperson told me the app has more than 2.5 million monthly active users and has awarded nearly $40 million in Fetch Points to date.

There are a few differences between Ibotta and Fetch Rewards, but the reason why I think everyone should download Fetch Rewards is that it’s SO MUCH EASIER to use.

There are no offers to unlock or barcodes to scan — you just need to upload your receipts!

Perhaps the biggest difference between Fetch Rewards and Ibotta is that Fetch doesn’t care where you shop. In addition to grocery receipts, you can scan receipts from any retailer where you shop or dine to receive points. Here are some examples:

  • Grocery stores
  • Warehouse club stores
  • Convenience stores
  • Drugstores
  • Liquor stores
  • Sporting goods stores
  • Home improvement stores
  • Clothing stores
  • Restaurants

Ibotta may require you you to unlock an offer, scan the product’s barcode and then upload your receipt. However, Fetch just asks that you scan the receipt.

Fetch Rewards is usually able to read my scanned receipt and add the points to my account within seconds.

4 ways to earn points with Fetch Rewards

Now that I’ve explained what Fetch Rewards is and how it works, here are four ways that I maximize my rewards.

1. To earn the most points with Fetch Rewards, take advantage of “Special Offers.” You’ll find about two dozen of these deals when you click on the “Discover” tab within the app.

From time to time, there are free product offers featured on this tab. You simply pay for the product at the store, then receive 100% back in Fetch Rewards points. These limited-time promotions are typically sponsored by food manufacturers.

Fetch Rewards special offers = Earn the most points!
Fetch Rewards special offers = Earn the most points!

2. Also under the “Discover” tab is a list of brands. Whenever you upload a receipt with an item from one of the hundreds of participating brands, you’ll earn points.

Earn points with 200+ brands using Fetch Rewards
Earn points with 200+ brands using Fetch Rewards

3. And even if you shop at a store with limited national brands, like Aldi and Trader Joe’s, you’ll typically still get points. Even if I buy just one item, I scan my receipt and get at least 25 points.

Scan any receipt with Fetch Rewards and get points
Scan any receipt with Fetch Rewards and get points

To recap, here are the three main ways that you can earn points with Fetch Rewards:

  1. Take advantage of bonus Special Offers
  2. Earn Base Points from every participating brand
  3. Scan any eligible grocery receipt

Pretty easy, right? I like to check the Special Offers and Brands sections before I shop because it helps increase my points balance quickly. Sometimes I’ll find items that are also featured on Ibotta. Since these are different apps, you can upload the same receipt to Fetch Rewards and Ibotta.

4. The fourth way to earn points with Fetch Rewards is to refer family and friends. Find your code under the “Me” tab. When you share your code, you’ll typically receive between 2,000 and 4,000 points when your friend uploads their first receipt. If you’ve just downloaded the app, use the referral code MICHAEL to receive a welcome bonus.

Fetch Rewards referral code: MICHAEL
Fetch Rewards referral code: MICHAEL

Gift card redemption options

Now that I’ve explained how you earn points with Fetch Rewards, I’m going to tell you what you can do with them!

When you click on the “Rewards” tab, you’ll see the number of points available to redeem for gift cards. You can get a gift card for as little as 3,000 points, which is equivalent to $3.

Unlike Ibotta, cash back isn’t an option with Fetch. The closest thing is virtual Visa and Mastercard gift cards.

Keep in mind that some retail gift cards can be redeemed in stores and online, while others are in-store or online only. They are delivered immediately via email. For security purposes, Fetch Rewards uses two-factor authentication to verify a member’s identity before awarding a gift card.

Amazon.com, Walmart, Whole Foods Market and Target are just a few of the many gift card options. Southwest Airlines, Hulu and dozens of other restaurants and stores have also been added.

If you want to redeem multiple gift cards at the same time, that’s a problem. Due to security measures, Fetch Rewards will require you to wait six hours after redeeming your first gift card to get the second one.

In general, I like to cash out when I have enough points to redeem a $10 or $25 gift card. The reason? There are fewer gift card options at the $3 or $5 level.

I also don’t like to have too many unredeemed points sitting in my account with Fetch Rewards, Ibotta or any other cash back website or app. My advice is to earn your points, redeem them and use the gift cards quickly before you forget that you’ve earned them!

Frequently asked questions

After getting started with Fetch Rewards, you may still have some questions along the way. There are help documents under the “Me” tab with video tutorials and answers to common questions.

Here are some of the questions I had while using Fetch Rewards and the answers I found through my research and by interviewing a company spokesperson:

  • What do I do if I didn’t get my points?: Find the submitted receipt, tap “Correct my Receipt” and follow the prompts. Here’s my step-by-step guide.
  • Do my points expire?: If your account is inactive for 90 days, your points will expire. Gift cards that you’ve already redeemed should not expire, but check the retailer’s terms and conditions to be sure.
  • Is there a time limit for submitting receipts?: Receipts must be scanned within 14 days of the checkout date.
  • How does Fetch Rewards make money?: Fetch Rewards makes money from contracts with major companies like KraftHeinz, MillerCoors, General Mills and PepsiCo.
  • Can long receipts be processed?: Yes, you can submit more than four images for a single receipt.
  • Why did I receive a Fetch Reward security audit?: On occasion, your account may be subjected to a temporary security audit. This is an additional security measure. If you can’t log in for more than 48 hours, email support@fetchrewards.com.
  • Can I submit electronic receipts?: Yes. To get credit for digital receipts, you must use the e-Receipts feature, which allows you to connect your Fetch account to an email inbox containing digital receipts (like grocery delivery) and pull them into the app to get points. This is now available for iOS and Android devices. Learn more here.

Fetch Rewards vs. Ibotta: Which is better? 

I’ve tried to lay out the differences between Ibotta and Fetch Rewards throughout this post, but let’s do a quick review…

First of all, Ibotta is still the app that I use to earn the most cash back. I’ve made more than $3,000 since I first joined Ibotta in May 2014. Join here for a welcome bonus.

However, Fetch is worth it because it requires much less work and I get points for every grocery trip.

With Ibotta, I redeem my earnings for cash back to a PayPal account. That’s not an option with Fetch Rewards. You have to be okay with only getting a gift card, not real money.

Overall, I think both apps are great and they’re even better used together! You may also want to try Checkout 51 if you can handle a third cash back app!

Fetch Rewards vs. Ibotta comparison

Fetch RewardsIbotta
Upload receipts from retailer where you shop or dine, not just grocery stores Most grocery stores participate, including some pickup and delivery options
Easy to use! Just scan your receipt Must unlock offers, check barcodes and scan your receipt
About 20 special offers to earn points faster Dozens of special offers and teamwork bonus opportunities
Redeem for gift cards with as few as 3,000 points ($3 value)Redeem for cash back or gift cards when your balance hits $20
Sign-up bonus equal to $2 with referral code MICHAEL$20 welcome bonus

To make sure that I don’t miss out on earnings, I always scan my receipts right away. I unpack my groceries, upload my receipts and then go on with my day. Don’t procrastinate!

To collect your Fetch Rewards bonus, download the app and use my referral code MICHAEL. Thanks for reading!

For more tips, read my list of the 10 Best Ways to Save Money on Groceries.

Best credit cards

Best Credit Cards for Groceries

To determine the best credit card to use at the supermarket, I conducted a comparison based on $500 monthly grocery spending. The top card earns 6% cash back. See the results of my comparison here.

More Michael Saves Stories You May Like: