The cashback apps offer a simple and practical way of receiving part of the money spent on purchases, whether online or in physical establishments.

Today, we're going to explore everything you need to know about cashback and how to use these applications strategically to maximize your savings.

What is Cashback?

The term cashback comes from English and means "money back". In other words, it's a form of reward you receive when you make purchases, usually from online or physical partner stores.

The idea is: you buy something and, in return, part of the amount paid comes back to you, either in the form of credit for future purchases, a transfer to your bank account or even a discount voucher.

This concept of "cash back" is gaining more and more traction, especially with the growth of online shopping and the digitization of practically every aspect of our financial lives.

How does cashback work?

When you make a purchase in a partner store of a cashback app, the amount you spend is recorded by the platform and, after payment confirmation, a percentage of the amount spent is returned to you.

This cash back can be used for new purchases or transferred to your bank account.

Best of all, the process is very quick. In some cases, cashback can be received in a matter of days, depending on the app's policy.

The Best Cashback Apps in Brazil

Today, there is a wide range of cashback apps on the Brazilian market, each with its own characteristics. Here are the best known and most recommended:

1. Méliuz

O Méliuz, available for Android e iOSis one of the most traditional and well-known platforms in Brazil. It offers cashback at a variety of online stores, from Americanas, Submarino and Netshoes to smaller stores.

In addition, the app also often offers discount coupons that can be combined with cashback, which increases the savings even more.

What many users love about Méliuz is how easy it is to redeem the money. You can transfer the balance to your bank account or use it for future purchases, making the process very flexible.

2. Ame Digital

O Ame Digital stands out for also functioning as a digital wallet, which allows you to accumulate cashback when you make purchases at B2W group stores, such as Americanas and Submarino.

In addition, the app has several promotions and extra advantages, such as discounts with external partners and the accumulation of points for more cashback.

Another positive point of Ame Digital is that it allows you to use the accumulated balance to pay at various other stores, giving you more freedom to enjoy the cashback.

3. PicPay

Although PicPay, available for Android e iOSAlthough it is best known as a digital wallet for payments, it also serves as a cashback option, especially during special promotions.

With the PicPayYou can earn cashback when you pay bills, make transfers and even make purchases in partner stores.

The app also has a progressive cashback program, meaning that the more you use it, the more benefits you receive, making it a good option for those who make recurring payments.

How to Choose the Right Cashback Apps for You

With so many options on the market, it can be difficult to choose the right cashback apps. I'll give you some tips to help you make your choice:

• See if the App Has Partnerships with Your Favorite StoresIf you have some stores or brands that you love to buy, check if the cashback app has a partnership with these companies.
• Compare Cashback RatesCompare the rates offered by the apps and see which offers the greatest advantage for the purchases you usually make.
• Easy to Redeem Cashback: Choose the app that has the type of redemption that best suits your routine.
• Security and ReputationBefore registering, research the experience of other users, see if it has good reviews and if it is reliable.

The Future of Cashback: Trends for 2025

The cashback market is constantly growing, and by 2025 we can expect some innovations that will make the process even more advantageous for consumers:

1. Integration with Pix

O Pix, an instant payment system, is already revolutionizing the way we pay for products and services.

Soon, many cashback platforms will allow the accumulated balance to be transferred directly to your bank account via Pix, making the process of redeeming the cashback even easier.

2. Cashback on Bill Payments

In addition to purchases, some apps are starting to offer cashback on payments for consumer bills such as water, electricity and telephone. This can be a great advantage, as it will allow you to save even on the fixed expenses you have during the month.

3. Exclusive Partnerships and Loyalty Programs

Increasingly, cashback apps are seeking exclusive partnerships and creating loyalty programs to retain their users.

This means more opportunities to earn cashback on everyday purchases and exclusive benefits for those who use the platform frequently.

Tips for Making the Most of Cashback

Here are some tips for getting the most out of cashback apps:

1. Take advantage of promotions: Cashback often increases on commemorative dates, such as Black Friday e Christmas. Keep an eye out for special promotions to guarantee a good return.
2. Use Several Applications: Don't limit yourself to just one app. Try several and take advantage of the best deals each has to offer.
3. Accumulate CashbackInstead of redeeming small amounts, wait to accumulate a larger balance to use for more advantageous purchases or even to withdraw directly to your account.

Conclusion

The cashback apps are an excellent way to optimize your purchases and save money quickly and conveniently.

With so many options available on the market today, choosing the best app can make all the difference.