Upside: Gas & Food Cash Back

Upside Review: Real Cash on Gas, but the Offers Shrink as You Use It

Claim first: 4-hour windows, 5 offers a day, 50 gallons per fill-up

Nothing earns unless you tap Claim before paying, which locks in the rate. A gas or restaurant offer then lasts 4 hours, a grocery offer 24. Daily caps are tight: 5 claims across all locations, 2 per gas station, 1 per restaurant, 3 per grocery store, and 50 gallons per gas offer. Purchases must be made in person, and cash, EBT, SNAP and gift-card payments never qualify. Stacking a station's loyalty discount is allowed, but the per-gallon rate may drop to cover it, down to a 1¢ floor, and a fill-up already credited by GasBuddy or Checkout 51 earns nothing. The service is US-only and runs on phones, not tablets or laptops.

Linked card, receipt or Pay with offer code: three ways to verify

Most offers validate through the card saved in your Wallet: the retailer sends transaction data, which is matched to your claim, usually in 2–4 days and sometimes up to 10. The terms say a purchase not validated within 10 days carries no obligation to pay. Apple Pay, Google Pay and Samsung Pay hide the card number from the store, so those purchases always need a receipt photo with the store address, time and card digits. A claim marked "needs review" means no matching retailer data arrived; you then have 90 days to send a receipt or bank statement. Pay with offer code, offered at some locations, credits instantly because you buy a merchant gift code at checkout, capped at $400 and five codes a day.

What merchants, Stripe, Plaid and ad partners learn from your purchases

Signing up instructs participating merchants to send your purchase history to the company, and your first redemption at a merchant authorizes sharing your history there back with that merchant, per the September 2, 2026 privacy policy. Card entry goes to Stripe, and the app keeps only the first six and last four digits. Bank cash-outs run through Plaid and Dwolla, leaving it your bank's name and the last four account digits, though a linked bank can also supply purchase history. The policy says app data is not sold, yet it may feed lookalike ad audiences on other platforms, and Apple's label lists usage data as used for tracking. The opt-out sits under Account > Data and privacy > Your privacy choices.

Cash-out rules: $1 under $10, no PayPal, and a six-month expiry clause

Bank transfers need at least $1.01 and cost $1 below $10; above that they are free and take up to 7 business days after you confirm a 24-hour email link. Gift cards carry no fee, but most require $10 and a few, like Uber Eats, $15. PayPal was removed from all accounts on August 14, 2026. The help center says cash back never expires while an account is in good standing, yet the February 4, 2026 terms say it expires after six inactive months, and closing an account forfeits the balance. Ibotta makes you reach $20 before a bank or PayPal withdrawal, and Fetch points lapse after 90 inactive days. Fees may change.