Fetch Rewards is a legitimate app that helps you earn free gift cards by uploading your grocery receipts, but how safe is it?

I downloaded the Fetch app in January 2018 and upload receipts multiple times per week. I’ve earned more than $1,000 in gift cards since I started using the app.

In this article, I’ll share three things to know about the Fetch Rewards app and its security. Let’s get started!

1. Fetch Rewards Doesn’t Collect Bank Information

Fetch Rewards doesn’t ask for your bank or credit card information. When you sign up for the app, it collects a limited amount of personal details:

  • Name
  • Birth Date
  • Email Address
  • Home Address
  • Phone Number

A social media login option is available, but I prefer to use my email address and leave Facebook out of it.

I only use Fetch Rewards to upload receipts for in-store shopping, but there’s also a Digital Receipt Program (eReceipts) that works a little bit differently.

For eReceipts, you must agree to link your email account with Fetch. Here’s the fine print:

In processing your Digital Receipts, Fetch may retrieve Personal Information such as billing address, mailing address, name, payment method, and other information contained in the Digital Receipt email. The account credentials that you enter for these accounts are not stored with Fetch, but are stored on your device through appropriate secure methods, such as Keychain.

Fetch Privacy Policy

Fetch Rewards isn’t the only app that scans your email for digital receipts, but it’s up to you to decide if that’s something you feel comfortable doing.

Personally, I’m not there yet. I’ll stick to uploading physical receipts to the Fetch app.

2. Verification Is Required to Redeem Rewards

Fetch Rewards puts additional security measures in place when you go to redeem your points for gift cards.

After selecting a reward to redeem, Fetch Rewards will text and email you a 4-digit security code. You must enter this code to validate your reward.

Typically, your reward will be available immediately after this verification step is completed.

In addition, Fetch Rewards allows only one redemption every six hours. If you try to redeem back-to-back rewards, you’ll receive a security audit message. It reads:

“Oops! As a security measure, you must wait 6 hours to redeem another gift card.”

Fetch Rewards app security audit: One gift card redemption every 6 hours.

3. Your Fetch Rewards Password Should Be Unique

To keep hackers from accessing your account and draining your points, you want to make sure that you have a strong Fetch Rewards password.

Fetch states on its website that it’s not responsible for lost or stolen points/gift cards.

To protect your account, Fetch Rewards recommends creating a password that’s at least 12 characters long and includes at least one capital letter, one number and one special character.

You should change your Fetch Rewards password periodically and never use it for any other service.

If your Fetch Rewards account has been deactivated, Fetch says it likely flagged fraudulent behavior. If you think there’s been a mistake, email account-inquiry@fetchrewards.com.

Final Thought

Fetch Rewards says that it takes security seriously, but it’s up to the individual user to protect their account and the personal information they provide. The key is to create a strong password.

Some people may choose to test out the eReceipts feature, but it’s not required to earn free gift cards. I don’t use it myself.

Unfortunately, no app is 100% protected from hackers. That’s why I don’t let more than $50 in rewards sit in my account and I always use my gift cards promptly.

To learn more about the Fetch app’s security, here’s a link to the privacy page.


If you’re not a Fetch Rewards member, download the app (Android or iOS) and enter promo code MICHAEL before scanning your first receipt for a 2,000 point bonus.


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