You can use multiple rewards apps on the same purchase and stack savings.

Here’s a simple way to do it.

1) Use Rakuten (or another cash-back portal) first. Before you shop online, open Rakuten and search for the store. Click through to the retailer and complete your purchase. You’ll earn a percentage back from Rakuten.

2) Add Ibotta for groceries and in-store. Check Ibotta for offers that match what you’re buying. Add offers, then either link your store loyalty account or submit your receipt after shopping. You get cash back on top of any store or credit card rewards.

3) Scan your receipt in Fetch. After any shopping trip, scan the receipt in Fetch. You earn points on eligible items and brands. No need to activate offers first for many items—just scan.

4) Combine with store loyalty and cards. Use your store loyalty card and a rewards credit card as usual. Fetch, Ibotta, and Rakuten sit on top of those, so you’re not choosing one over the other—you’re layering them.

Start with one app you’ll use every time (e.g. Fetch for all receipts), then add Ibotta and Rakuten when you’re ready. Small steps add up.