Top Rated Crypto Cashback Apps for Shopping

Find the best ways to earn rewards on everyday purchases without changing your main bank. This short guide highlights top platforms like Fluz, Rewards Bunny, and Fold and explains how each turns routine buys into extra value.

Fluz issues virtual cards through partner banks and offers up to 25% back on gift cards and 1.5% back via custom Mastercard virtual cards that work with Apple Pay and Google Wallet. Fold provides FDIC pass-through coverage up to $250,000 for card balances, while crypto assets remain uninsured.

Rewards Bunny grants rewards in crypto or USD at 1,000+ merchants and lets users withdraw to PayPal or a wallet. Learn how each app’s key features—instant gift card bonuses, virtual card rebates, and flexible withdrawals—affect how much cash and crypto you actually keep.

Key Takeaways

• Top platforms convert purchases into real value via gift cards, virtual cards, or direct withdrawals.
• Look for FDIC-backed balances and clear terms on crypto holdings.
• Virtual cards that add to mobile wallets enable easy in‑store taps and instant rewards.
• Compare actual reward rates and withdrawal options before committing.
• Explore referral and promo bonuses early to boost initial returns; try Rewards Bunny.

Why shoppers in the United States are moving to crypto cashback for everyday purchases

A growing number of Americans tap reward systems as an easy way to get more from everyday spending.

Low friction matters. Many platforms, like Fluz, work with the bank accounts, debit, or credit cards you already use and charge no membership fee. That makes it simple to collect extra value on regular purchases without changing habits.

With price pressure on essentials and wants, predictable cashback helps offset costs. Consumers can convert or withdraw rewards on their own terms to get immediate money utility.

Smart features matter too. Rewards Bunny sends alerts on a website or in an app before you buy, and supports stacking with debit/credit and brand loyalty programs. Those reminders reduce missed offers and boost real returns.

Flexible payouts and clear rules make this option workable. Some shoppers choose crypto for upside, while others prefer USD to spend now. Transparent redemption and simple processes turn rewards into a reliable, repeatable benefit.

How crypto cashback apps for shopping work

Most reward platforms follow a predictable path from merchant sale to your wallet. The system relies on tracking links, commission splits, and clear attribution so the platform can share a portion of merchant payments with users.

From merchant rewards to your wallet: the affiliate flow

When you start a purchase inside an app or its in‑app browser, the merchant pays a commission to the platform. That commission becomes the pool used to create cashback or token rewards.

The platform records your session, tracks the order status, and waits until the merchant confirms the sale. Once confirmed, funds move to your wallet or account.

Stacking with credit card rewards and brand loyalty programs

You can often stack platform rewards with your credit card benefits and merchant loyalty points. Follow the app’s click‑through rules and complete the cart in the same session to preserve attribution.

Rewards Bunny partners with merchants like eBay, Booking, Shopee, Lazada, Hotels.com, Alibaba, Aliexpress, and Nike, passing commission-based rewards to users via its in‑app browser.

Choosing payout options: crypto vs USD

Platforms usually let you pick between USD payouts or token transfers. Choose based on your goals and risk tolerance: USD is stable; tokens can offer upside but add volatility.

Fluz supports use with existing bank accounts, debit, and credit cards with no membership fee, making it easy to set up accounts and start earning right away.

• Best practice: always begin from the platform link and finish the purchase in the same session.
• Virtual cards: broaden merchant coverage when affiliate links don’t apply.
• Onboarding: accounts are usually free and quick to create.

Fluz: instant gift card rewards and 1.5% virtual card cashback

If you want fast, visible returns on regular buys, Fluz combines steep gift-card bonuses with a virtual Mastercard that works almost anywhere.

Instant gift-card rewards: Purchase digital gift cards for major merchants and get up to 25% back delivered immediately. That value is redeemable online or in stores, so you can use rewards right away and save money at checkout.

1.5% universal virtual card

Create a custom virtual card in seconds to earn 1.5% cashback wherever Mastercard is accepted. The virtual card broadens earning beyond listed partners to everyday online and in‑store buys.

Tap-to-pay with mobile wallets

Add your virtual card to Apple Pay or Google Wallet for quick contactless payments. Tap-to-pay turns routine spend into steady rewards with no extra steps at checkout.

Security and funding terms

Fluz partners with FDIC-member banks to issue virtual cards under a Mastercard license. Security includes Face ID/Touch ID, 2FA or passcode per transaction, and card numbers that expire after 24 hours or a single use.

There are no fees when you fund gift-card or virtual-card transactions with a U.S. bank account domestically. Debit or credit funding and international use may incur fees or conversion charges, so check the in‑app listing and terms before you buy.

• Integrates with your existing accounts so you don’t have to switch banks.
• Rates vary by merchant and can change over time; always review the current listing.

Fold: shop and earn with FDIC pass‑through on card balances

Fold is a rewards platform that issues a branded card but is not a bank. Eligible card balances are held through Sutton Bank, Member FDIC, so qualifying funds may receive FDIC pass‑through coverage up to $250,000.

Important: FDIC protection applies to fiat balances when pass‑through conditions are met. Bitcoin assets and other tokens are not FDIC insured, so holding digital assets carries separate risks.

Platform positioning and user checks

Review the program terms on the Fold website before you enroll. New user offers sometimes need a referral code to claim promotional value.

• Not a bank: Fold runs a card and reward program; Sutton Bank provides the FDIC pass‑through.
• Insurance scope: Up to $250,000 applies to qualifying balances; digital assets sit outside that coverage.
• Practical tip: compare how card rewards and cashback credits post, and decide how much money to keep as insured fiat versus in tokens.

Rewards Bunny: earn cashback in crypto or USD at 1,000+ merchants

Rewards Bunny is a cross-platform app that pays rewards in USD or tokens like BTC, ETH, BNB, and RBunny. Sign-up is free via email or social accounts.

Shop via in‑app browser and get alerts before you buy

The built-in browser starts your tracked session so the platform can confirm attribution. You’ll get an alert before landing on a partner website, which helps secure earnings on each purchase.

High promotional rates and stacking with debit/credit programs

Promos often boost rates—sometimes up to 50% on select stores. You can stack rewards with card benefits and brand loyalty points to amplify net returns.

Flexible withdrawals to PayPal or your crypto wallet

Withdraw in USD to PayPal or send tokens to your external wallet once minimums are met. A simple referral flow lets you invite friends and collect extra value.

• Wide merchant reach: eBay, Booking, Shopee, Lazada, Hotels.com, Alibaba, Aliexpress, Nike and more.
• Choice of payout: USD or token rewards, then withdraw to PayPal or a wallet.
• Practical feature: pre-buy alerts and stacking make it easy to earn on routine purchases.

Compare features, rewards, and merchant coverage

Choosing between platforms comes down to how they pay and where they work. Look at instant gift‑card bonuses, persistent virtual card rates, and short-term promos when deciding where to route a purchase.

Reward rates: instant gift cards, virtual cards, and partner promos

Fluz pays up to 25% on instant gift cards and about 1.5% via a virtual card that works with Apple Pay or Google Pay. Rates change by merchant, so check listings before you buy.

Ways to earn: purchases, boosts, and referral programs

Rewards Bunny runs promos that can spike to 50% on featured stores and supports stacking with a credit card or loyalty program. Both platforms offer boosts, Parties, and referrals to increase net returns.

Merchant networks and categories that matter

Compare category coverage—travel, electronics, fashion, groceries—and spot which merchants appear most often. Use promos and calendar spikes to time big buys and get the best price and rewards mix.

Security, compliance, and account protections that build trust

When a platform mixes banking services and rewards, transparent safeguards make the difference between risk and confidence.

Virtual card safety: temporary numbers and biometric checks

Modern virtual cards reduce exposure by limiting how long a number works. Fluz issues short‑lived card credentials that expire after 24 hours and can be set to end after a single use.

Each transaction can require Face ID/Touch ID, 2FA, or a passcode. These layers cut the window an attacker has to reuse a number and make fraud harder to pull off.

FDIC context: card balances vs crypto assets

Fluz partners with FDIC member banks to deliver banking services. That creates a clearer path for insured fiat balances held via partners.

Fold uses Sutton Bank for FDIC pass‑through coverage up to $250,000 on eligible card balances when conditions are met. Digital tokens, including Bitcoin, are not FDIC insured.

• Short‑lived credentials: reduce risk over time and limit recurring misuse.
• Biometric & 2FA: add a second layer beyond credit or password checks.
• Know your holdings: insured fiat differs from rewards balances and tokens; treat them accordingly.

Terms, fees, and payout options to review before you sign up

Terms and payout mechanics can cut into your returns, so review fees, funding rules, and withdrawal timelines closely.

Rates change by merchant. Fluz notes that offer levels vary and may shift without notice. Always confirm the current rate on the merchant listing inside the app before you complete purchases.

Funding method matters. There are no fees when you use a U.S. bank account to buy gift cards or fund virtual cards domestically. Funding with a debit or credit card may add platform fees and could trigger card issuer rules that affect rewards or interest.

International and conversion considerations

International use can add conversion fees. Visa may assess currency conversion on virtual card transactions, which reduces your net cash return.

Payouts, minimums, and referrals

Platforms differ on withdrawal methods and timelines. Rewards Bunny allows withdrawals to PayPal or a wallet when minimums are met. Check processing times, minimums, and any transfer fees.

• Confirm what counts: read disclosures on returns, reversals, and pending periods.
• Estimate referral value: note qualifying actions and delays when you plan to share invites.
• Travel tip: if you spend overseas, compare settlement currency and foreign transaction rules to protect your effective return.

Start earning more from your purchases today

Start turning routine buys into steady returns by picking one platform and making a single tracked purchase to see how fast rewards post and which route keeps the most value.

Try gift cards, virtual card spending, boosts, and referral bonuses to compare real returns. Use an app that posts quickly and offers clear payout choices so you can convert value to money when needed.

Add your virtual card to a mobile wallet for easy in‑store taps. Invite friends through a built‑in referral flow to unlock extra value and speed your path to withdrawals.

Prefer insured fiat? Pick platforms that route card funds through partner banks with pass‑through coverage, and keep tokens separate if you want.