Dosh Review 2024: Legitimate or Cash Back Scam?

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Dosh is an app that gives you automatic cash back for your shopping, travel, or dining purchases. Here's my experience with the app.

Bottom Line:

If you find it difficult to save money, using the Dosh app to help you automatically save can get you on the right track. By saving money regularly you get in the right habit and start building wealth.
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dosh app review

Dosh is the free cash back app that finds you money for shopping, dining out, and booking hotels and travel activities with more than 100,000 merchants and brands nationwide.

You probably already heard about apps like Ibotta that give you cash back for your everyday purchases such as Fetch Rewards and Drop. However, there is a new app that is giving these rebate apps a run for their money, and for good reason. Dosh not only allows you to get cash back on everyday purchases, but no receipt scanning required.

Learn more about Dosh in our review.

Dosh App Reviews

In this article, we will review the Dosh App and you can see if it's right for you. Well, to start wouldn't you want to start getting paid for doing the things you already do?

Dosh is pretty straight forward and easy to use.

How Does Dosh Work

Simply download the Dosh app, securely connect your credit and debit cards, and live life as usual.

Every time you use those cards, Dosh searches for available offers. If it finds one, Dosh automatically redeems the offer and converts it into cold, hard cash, then deposits it directly into your Dosh Wallet.

You don’t have to do a thing.

Here is how easy the process is:

  • Connect your card: Securely link your credit and debit cards. Whenever you pay with your linked cards, Dosh gets you cash back.
  • Shop and dine out: Pay with your linked card at 1,000s of stores and restaurants, and get up to 10% cash back automatically in your Dosh Wallet.
  • Get paid to refer: Refer your friends to Dosh and get $5 for each one who signs up and links a verified card.
  • Transfer your cash: Do what you want. Transfer your cash to bank accounts, PayPal, or donate to charity from the app.

Is Dosh Legit?

Dosh is legit and safe to use. It is not a scam and you won't ever have to refer any friends to earn with the app. The referral program is just a bonus and you can easily earn passive income just by linking your card and going about your life as regular.

Is Dosh Safe?

dosh review

Yes, I believe Dosh is safe. According to its website, Dosh uses bank-level like security.

This company is serious about your security and they make it a point that they protect every piece of data you share with them.

Here are some key security features that the Dosh app implements:

  • SSL Encryption: The app is secured with 256-bit encryption to ensure your information is protected.
  • Data Safeguards: Dosh does not store any credit or banking information. All credit card information is tokenized and vaulted using Braintree, a PayPal service.
  • Anonymity: Rest assured, Dosh does not sell personally identifiable information to any third party.
  • Account Authentication: Dosh uses Multi-Factor and Two-Factor Authentication to prevent unauthorized access.

Dosh Referral Program

As of January 29, 2024, Dosh's referral program has been suspended indefinitely. Dosh will no longer offer referral bonuses for new referrals starting on that date.

You can view expired Dosh referral codes here.

Dosh App Stores

Here are some of the stores the work with Dosh:


Dosh App Reddit

We like to check to see if an app is legit by reading Reddit reviews. Based on some initial research, people are having positive experiences.

The Dosh App even has its own subreddit:

Why Do You Need to Connect a Credit Card?

So they can give you cash! Dosh connects securely with your credit or debit card, then each time you use that card to pay at stores and restaurants, Dosh automatically gives you cash back.

You can link a Visa, MasterCard, or American Express card. They do not accept prepaid, Discover, or department store cards at the moment.

Also, it is similar to other cash back apps except there is no scanning involved. If you are interested in other savings apps like Dosh you can consider Ibotta, Rakuten, and Trim.

Dosh Alternatives

This wouldn't be a complete Dosh app review without sharing some of the apps similar to Dosh. If you want to see the best money saving apps in one place, then you'll be happy to know that we personally tested and reviewed 6 free and paid money saving apps.

And you can filter through the list below to find the best savings app for you that will help you save money.

Managing personal finances is a painstaking task, but that doesn’t mean you shouldn’t pay attention to budgeting. Managing your money is the best thing you can do for yourself in today’s unpredictable economy. And, there are several money saving apps that can help you achieve your goal.

Whether you want to save money for a vacation or saving up for a car, it’s crucial you stick to a saving or spending plan.

Apps Like Dosh

Here are a couple of apps like Dosh that you should consider using to save money:

Dosh vs Ibotta

ibotta app savings

Ibotta allows you to earn real cash back shopping online and in-store with Ibotta. The average Ibotta user earns $150 a year on groceries, online purchases, delivery, and more. Register for the free Ibotta browser extension and app today to start saving.

You can probably file this one under “sounds too good to be true, but isn’t.” Ibotta is an app that works with 250 major retailers, including big-box stores, to help you get some money back, retroactively, on purchases you already make regularly. Some users report savings of up to $25 in their first month without changing their shopping habits and using Ibotta cheats.

Dosh vs TopCashBack

topcashback is one of the United States’ most generous cashback sites. In addition to passing at least 100% of the commission rate that stores pay back to their members, they also provide discount coupons that can be used in conjunction with cash back.

Dosh vs MyPoints


MyPoints is another app that gets you paid just for answering simple questions about your purchasing habits. Your first survey should take about three minutes and will earn you 10 points in the process. After that, you can earn additional points and other rewards by playing games, watching videos and clipping coupons.

Dosh vs Upside

getupside referral code

Upside promotes shopping locally so it can put you back in touch with your community and help you uncover hidden gems. But you still want to get the best deals, which is why Upside is so helpful. The app maintains a local focus and points you toward discounts in your local area on the products you’d be buying anyway, like groceries and gas.

Pro TipUpside promo code (SMGJQ) gives you a 20¢/gallon savings bonus!

Dosh vs Rakuten


Rakuten functions a little like an outlet store for 2,500 Internet retailers. By making Rakuten your “shopping portal,” either through the web app or a browser extension, you have access to thousands of great deals — up to 40 percent off — on almost anything you can imagine, straight from your retailers of choice. You can also get cash back on your purchases.

Learn More: Rakuten Review

Dosh vs Checkout 51


Checkout 51 is an excellent tool for anybody who frequently shops for household groceries and other items. Using the app is easy — you create a free account and then upload receipts of purchases you’ve made for qualifying items. Checkout 51 keeps a continually updated list of manufacturer deals and sends you cash back any time you buy something for which there’s a posted deal. Earn $5 cash back once you redeem your first offer through this link.

Learn More: Checkout 51 Review

Dosh Review Summary

If you find it difficult to save money, using the Dosh app to help you automatically save can get you on the right track.

By saving money regularly you get in the right habit and start building wealth. I hope you enjoyed our Dosh app review and if you are interested in using the app — good luck!

About the author

Brian Meiggs
Hi, I'm Brian Meiggs! A personal finance expert, entrepreneur, and the founder of My Millennial Guide. My drive is to help others unlock the wealth of freedom and pave the path to financial success. With my bachelor's degree in finance, I help millennials follow the smart money in order to increase their earning potential and start building wealth for the future. I write regularly about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. I have been quoted in major publications including Business Insider, Yahoo Finance, NASDAQ, Discover, GoDaddy, BiggerPockets, Fox News,, Quick Sprout, Money Geek, MSN Money and many more!
If you find it difficult to save money, using the Dosh app to help you automatically save can get you on the right track. By saving money regularly you get in the right habit and start building wealth.Dosh Review 2024: Legitimate or Cash Back Scam?