Cashback apps earn referral commissions from retailers when you shop through their platform. They then share a portion of those commissions with you as cashback. This means the retailer pays the cost, not you — it's a genuine win-win where you save money on purchases you'd make anyway.

Yes! Stacking cashback apps is one of the best ways to maximize savings. For example, you can use a cashback portal like Rakuten, pay with a cashback credit card, and use a coupon code simultaneously. This can easily add up to 10–20% total savings on a single purchase.

Most cashback apps have no earning limits — the more you shop, the more you earn. Heavy shoppers who use multiple apps and shop through portals for all online purchases can earn $500–$1,000+ per year. The key is consistency and always checking for available cashback before buying.