New Craze: Card Linked Offers

Last Modified: March 14, 2023


There's a new way to save through cashback, and companies like Groupon are risking their existence on the latest savings craze:  🤑 Card-Linked Offers 🤑

As an average person, these offers are really a nifty way to save cash without whipping out a printed Groupon voucher, and for partnership marketers, why wouldn't you look into this amazing opportunity for it's targeting capabilities!?

So, what exactly is a Card Linked offer?  The app Dosh, for example, will link an existing credit r debit card and give you money back for shopping near's that simple.  It's a must-have app, and I'm not going to fill your precious time with fluff and other lengthy explanations.  It's an app you should have in your wallet because it's so darn easy to use.

Here's how this Card Linked Offers work:

  • Sign Up to a Particular App
  • Link a Credit or Debit Card
  • Look at the Dashboard
  • Find Stores with Different Cash Back Rates near you
  • If You Shop at One or All of these Stores You Get Advertised Money Back
  • You Must Use the App-Linked Credit or Debit Card 

How to Sign Up for a Card Linked Offer

To sign up properly, you'll need:

  • A Valid Email Address
  • A Real Debit or Credit Card (VISA, AMEX, Mastercard)
  • Android Device or Apple iOS Device

1:  DOSH

Dosh is one of the more popular card link apps out there with a wide array of options.  From the Dashboard (below screenshot) you'll see the Cash Back rates of local places including restaurants, gas stations, events, hotels, and much more.  This is an app that you simply need to have!

Dosh also carries Cash Back for Travel reservations, but we'll admit they aren't great deals.  You might also note they offer Online Cash Back; sadly, we don't recommend these two parts of the app.  You'll need at least $25 to use PayPal to Cashout.  And if you are a business, you'll be required to fill out proper tax forms for documentation purposes!

2:  Drop

This app has been recently released and offers a hands-off approach to earning points.  Link your primary credit/debit card and earn points when you spend on merchants like Walgreens, Chipotle, or Target (few others).  You'll need to select five merchants you will spend the most with and have only one time to do this!  You can still earn points through online merchants and offers. Soon you can redeem points for gift cards at places like Starbucks.

Another fun way to earn more points is to play their game where it's similar to the game Snake, make one point for each thing you eat with your Snake!

3:  Groupon +

Has Groupon solved it's the biggest issue of the embarrassment of showing paper coupons to your waiter?  For many, Groupon is an excellent gateway for deals and discounts through our local community.  There is one major flaw though: Social Conscious of Taking Out a Groupon and Presenting It.

Sure most of us don't feel wrong handing over a Groupon, but for many, we know that when you offer a Groupon to a server or event, the business itself will lose money doing so.

For many of us, it's pretty embarrassing to hand out a paper Groupon or even handing our phone to a waiter for them to redeem.  It feels dated and kind of irritating.

Coupons have been around for ages now, but Groupons tend to be more significant discounts than a typical coupon cut-out.  When you fork over a restaurant based coupon, you may feel wrong in doing so.  Well, with Groupon's newest addition, you can swipe your card and feel like you've always have been without any contempt.

How Groupon Plus Works

Before you go looking for Cash Back (Plus) offers you'll need to do a few things first to make sure you'll get money back correctly.  To do so head to this Groupon Plus Page directly  You'll likely be prompted to sign up or log in there.

From this page, you'll need to link a credit card (or debit) to assign cash back to.


Now that you've linked card(s) to your account you can start to claim offers at no additional cost (YAY!).  Doing this, however, isn't fully advertised by Groupon yet.  In fact, in our trials, we've noted that Plus deals aren't even on the front page yet.  This means you are ahead of the game when it comes to saving on restaurant deals!!

Finding Groupon + Cash Back Deals

If you are subscribed to Groupon's newsletter, there's a good chance you've received some Plus notification, but for many of us, email isn't always checked.  You can find + deals by heading to the regular search page of Groupon.  Once you are there in the search bar, enter in "Cash Back."  Oddly enough entering in "Groupon+" or "Plus" won't get results.

4: Payce

While it's not the most up to date in terms of looks, this card linked portal actually offers some solid merchant offers including AMC Movies and, wait for it...HOME DEPOT (5%)!

There's a few other noteworthy merchants on this app, which is only available through your browser.  This makes sense though considering you can lock in your offer and forget it about monitoring it!

5: iDine (Rewards Network)

If you like dining out, perhaps the best entrant that has been hiding in this category is the RewardsNetwork.  These guys actually host several programs and are apparently partnered up with Dosh (a card linking app above) too.

RewardsNetwork hosts the technology of card linking capability and licenses it out to several companies!

One of the apps we take a look at is the Card Linking service.  It's definitely one you'll want to add.  All it takes is an email address and a valid credit card.  When we signed up, we were stunned to find restaurants as close as walking distance take part of a card linking offer from idine!

If you combine this card linking app with the Capital One Savor / UBER Barclaycard (4% cashback on dining), you'll be racking up to 9% back on dining purchases!!  Simply put, this card linking app is a must!

6:  Yelp Cash Back (closed)

The famous review website, Yelp, has released new card-linked cash back feature allows you to try out new restaurants while also earning money back.   Probably Yelp Cash Back the most underutilized Card Linked App!

It's as simple as linking your credit or debit card to your purchase at the given Yelp location you about to go to, and you'll get an advertised cash back amount.  Here are the steps you'll need to do to get Cash Back!

Step One:  Link a Card

Head to the Cash Back Card Linking Page:

Step Two:  Find a Place

If the card is successfully linked, you are automatically eligible for Cash Back Places.

Make sure to Filter for Cash Back Places when you search!!!

Step Three:  Pay with Linked Card

Let's say you spend $20 at this Restaurant:

You get $1 back on your statement


Yelp's Link Card integration makes a ton of sense because most people tend to look for good restaurants nearby and hope for deals elsewhere.  With its integration with Card Link technology (from a company called Empyr) you'll be able to score sweet cash back deals!

7:  Fuel Rewards

Some apps allow you to save on every gallon of gas, and Fuel Rewards is a part of it.   There are additional saving options when it comes to the Fuel Rewards program at Shell.  Link any credit card (Discover excluded), and you may earn supplementary per gallon savings.

  • Shop at participating grocery stores
  • Dine at participating restaurants
  • Participating hotel and car rentals
  • Fuel Rewards Online Shopping Portal

Mastercard Bonus

Just by having any Mastercard (Credit Card) you'll be eligible for an initial bonus of 25c off each gallon!

8:  Stash

This popular investing app just announced their automatic cash back function.  With this version of a Card Link, you'll unlock similar offers at dining and shopping places, but when you earn money back, the money can be deposited into your investment account.  It's almost like rewards your finances by dining out!

9:  Acorns

Like Stash, Acorns is now entering the space where you'll earn a certain amount for shopping in person and online and get money towards your investment accounts.  Same idea, but this would be focused on those who are already using the Acorns Investing App.

Acorns Found Money, which is the actual name of the Card Link function, will give you more premium online shopping partners, along with shopping in store at places like Nike Outlet, for example.

There's also a convenient Chrome Extension tool that will help you find more offers when you are shopping online.

10:  Swagbucks Local

The popular survey website offers a similar function where you can earn additional Swagbucks for shopping and dining nearby.  You'll be required to link the card of your choice to the app, and you should probably do this through a Desktop, but once you've done it, you'll be eligible for extra earning opportunities instantly!

For example, if you shop at an available dining location and they offer 5% in Swagbucks, you'll get the cash back in the form of Swagbucks.  You can start redeeming Swagbucks through PayPal Gift Cards when you reach a plateau of 10,000 points.

One of the major benefits of using Swagbucks Local is that you get a bonus of 500 Swagbucks just for linking a card!

11:  AMEX Offers

American Express sports not only excellent customer service, a slew of fantastic credit cards, and a secure online interface for bill payments, but the modern financial institution offers one of the best value propositions for any credit card holder out there.  American Express has offers from Delta, SPG (Marriott now), and other larger companies.

AMEX Offers links potential deals and coupons to your card so that if you spend your card at specific locations and follow the offer, you can receive money back (sometimes AMEX points).  For example, recently was on there.

If you linked the AMEX Offer and spent $75, AMEX would credit you with $25 in statement credit.  Yes, it's pretty instant to get into your account!!

12:  Your Bank!

It's a possibility that there are card linked offers found online through your bank.  Though you wouldn't find these offers through smaller FDIC insured banks, you are likely to find offers on these banks:

  • Bank of America
  • Wells Fargo
  • Suntrust

All of these bank offers work the same, and you are likely to be enrolled very quickly since you have an applicable debit card inside your pocket already...unless you lost it somewhere.  For the above example, you don't have to do much other than click "Add" and you'll be eligible for an offer from Carabbas or Shipt.


It comes as no surprise to us that a popular coupon clipping website is getting into this field before it explodes. is well known for their digital coupon cutouts where you can print or save to your phone several in-store redeemable coupons.

Using the Card Link technology, they've also entered the field with similar offers to Yelp and Groupon.  You can shop and dine locally and get cash back for shopping!

14:  EBates

This one is most known for their online shopping rebate portal offers in-store cash back.  Although not the largest selection that others carry, EBates focuses on the retail side of things pretty well with offers from many major retailers like BuyBuyBaby for example.

For this one, you'll need to have an Account with Ebates and simply link a card just like we do with the other apps.

15:  Freebird Rides

The Freebird Rides app leverages this amazing technology and makes an interesting twist on it.  Through the app, you'll link with UBER.  Once you open up the Freebird Rides app, you can earn money by using an UBER to go to specific locations.

This is amazing for businesses that want additional exposure, while great for customers who want to explore their town!  It's a win-win!  Try our Freebird Rides Promo Code: EC945 to get $10 for signing up.

16:  VISA Local Offers

UBER definitely sees the opportunity within Card Linked offers since they've also worked hard with VISA to get additional offers inside the UBER app itself.

You'll need to have a VISA linked to your UBER account, plus you'll need to browse the UBER app to see these offers!

See how VISA Local Offers works through this video:

17:  Shopkick

Like getting easy rewards?  For those unfamiliar with this popular loyalty app, you can earn points by scanning receipts or even walking into a store!  You'll need to download the ShopKick app and proceed to find locations eligible for points (Known as Kicks).  You can also hunt for particular products that will reward points as well!

Recently, they've introduced their own Linked Card function that adds an additional way to earn "Kicks" when you shop at certain locations.

 Shopkick takes all of the neat ways to earn rewards and places them into a single app!

18:  Chase Offers

One of the biggest financial institutions has added their own spin on Card Linked opportunities.  If you have one of the major credit cards offered by Chase Financial, you'll have access to the Chase Mobile App.  Through this app, you'll see several card-linked offers.

 To earn additional cash back through a card linked offer on Chase, you'll need to use the Mobile App.  It's the same mobile app where you pay your bills and look at statements.  So all you need to do here is:

  1. Have a Chase Card
  2. Head to the Chase Mobile App
  3. Find the "Chase Offers" section
  4. Click once on an any or all offers
  5. Shop at that location using the Card
  6. Get Money Deposited into Your Account Directly!!

19: Shop Your Way

Remember Sears, the popular mall anchor store?  Shop Your Way is owned by them and maybe their last leg of existence.  It's foreseeable that Shop Your Way will eventually become the Sears Online Shopping portal.

If you were a customer at Sear's or Kmart, you might recall this Loyalty program.  The Shop Your Way Loyalty program would allow you to purchase items with points earned through your loyalty (and previous purchases).  Now, Shop Your Way has evolved to enable you to earn points from other places like:

  • Sears (ones that are still around)
  • Kmart
  • Burger King
  • Popeye's Chicken
  • Several of Your Local Restaurants

Operating much like the other card link apps, Shop Your Way will link to your card and will give you points for your loyalty to these locations as well!  Plus, get points from Online stores like Ace Hardware, AliExpress and several hundred of others!

Shop Your Way's Major Partner is UBER

It's no secret that if the app wants to survive, it'll need some significant value proposition.  Enter their exclusive UBER partnership.  By connecting to the favorite ride-sharing app, you'll be able to earn $2 in points for Every Single Ride You Take with UBER.  If you live in a city or often travel Shop Your Way has decent value for you.

Redeeming Points

Another one of Shop Your Way's significant points of interest is their redemption process.  This is where you will encounter the full Sear's catalog of products and services.  When you've earned a $2 ride on UBER, for example, you'll be able to redeem the $2 in their storefront, sporting thousands upon thousands of products that may suit your needs.  Unfortunately, as of now, there appears to be no way of extracting money directly, so the only way to redeem is to spend more on this catalog.

20:  Others (we'll eventually get to)

The list is growing, and it makes good sense as to why.  This is exciting technology that bridges the online world to in-store shopping and dining.  This could be a game changer and we think it is!  Here are some others that have popped up:

  • Nerdwallet Cash Back
  • UPromise Dining
  • JetBlue Dining
  • Pei
  • United MileagePlus X
  • Southwest RapidRewards Dining
  • Hilton Honors Dining
  • MOGL
  • RetailMeNot
  • HawaiianMiles Marketplace

What is Online to Offline Shopping? (O2O)

Promo codes may become a thing of the past with this new value proposition that is taking the mobile world by storm.  These apps and they are growing in quantity, link online apps and shopping to offline shopping.  Online to Offline Shopping bridges the gap between online research and rewarding for offline dining and shopping!

Can I Use Multiple Card Linked Apps?

Although you certainly should use multiple apps that save you money, some of these apps actually use the same systems to reward you money.  That's right, these multi-million dollar websites use the same people for this kind of technology.  On the other hand, there are only a few companies controlling this space as of now.

  • Augeo
  • Cardlytics (publically traded)
  • Rakuten Linked Card Offers Network

If you happen to use the apps that utilize Rewards Network, for example, you may not get cash back on both apps.

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