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Personal Finance

I scored a free $25 gift card simply by scanning receipts — here’s how

Fetch is an app that lets users earn points for scanning receipts; here's how to use it.

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Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

You may want to think twice before throwing out your next receipt.

With the Fetch app, you can turn any receipt into points that can be redeemed for gift cards. This means that instead of waiting for a birthday or the holidays to receive a gift card to your favorite store, you can earn it yourself on purchases you'd make anyway.

I first signed up for Fetch in 2021 and while I don't always remember to scan every receipt I have, I did accumulate enough points to cash them in for a free $25 gift card at one point. Here are my tips for using the Fetch app.

Fetch

Information about Fetch has been collected independently by CNBC Select and has not been reviewed or provided by the company prior to publication.
  • Cost

    Free

  • Mobile app

    Yes

  • How to earn points on purchases

    Scan receipts from online and in-person purchases

  • How to redeem your points

    Redeem through the app to receive virtual gift cards

Pros

  • Gift cards available for popular retailers and brands
  • Offers a browser extension to help you find shopping deals
  • Enable finding offers near you
  • Earn rewards from over 500 brands

Cons

  • High number of points required to redeem gift cards
  • Can take a while to rack up enough points for redemption

How Fetch works

Fetch is an app that lets you earn points for scanning receipts every time you shop, whether online or in person, and redeem those points for gift cards and cash back.

You can also earn points for playing games, however, Fetch usually prompts you to download another app to play the game and earn points. Some users, including myself, have reported that sometimes when you play the games, all the points you earn aren't always reflected in your Fetch account.

You can redeem your points in the Fetch app and you'll be sent a virtual gift card of your choosing. You can also redeem points for a Visa cash card, entries into sweepstakes and on Fetch merchandise.

What rewards does Fetch offer?

When it comes to redeeming points with Fetch, different point values correspond to different gift card amounts. For instance, 5,000 points can get you a $3 or $5 gift card; 15,000 points can get you a $10 gift card; 30,000 points gets you a $25 gift card and 60,000 points gets you a $50 gift card.

Fetch has offered gift cards from brands and retailers like Delta, Amazon, Airbnb, Starbucks, Barnes & Noble, Chewy, IKEA, Nordstrom and more.

There are a ton of retailers and brands you can get gift cards for and categories include retail, entertainment, restaurants, health and beauty, home and office, fashion, charity, travel, pets and recreation. Again, if you don't see a gift card offer from a desired brand, you can also redeem your points for a Visa cash card and spend it wherever you want.

How to get the most points

Fetch allows you to gain points by scanning receipts every time you shop. However, the receipts cannot be more than two weeks old, so you need to remember to scan them through the app sooner rather than later otherwise you'll miss out on earning points.

You also cannot scan the same receipt twice. When receipts are scanned, Fetch checks for the date scanned, the store name and the total spent.

Unfortunately, you don't get points based on the amount of money you spend at stores — so more spending does not equal more points earned. Most receipts on Fetch will only earn you 25 points. However, Fetch has featured offers on its homepage where you can earn hundreds or even thousands of points for purchasing specific brands or products for a limited time.

For instance, past offers have allowed users to earn 5,000 points for placing an online DoorDash order, or 750 points for purchasing Simply Fruit Drinks. Purchasing items highlighted for higher point earnings is the best way to rack up points faster. Of course, it's only a true reward if you only purchase things you were going to buy anyway rather than making random purchases you don't need just to gain points.

You can also get a nice boost in points for referring friends to the app. The bonus offer may be subject to change but in the past, when your friend signs up and uploads their first receipt, they'd earn 2,000 points and you'd earn 3,000 points.

Once I hit the 30,000-point mark on the app, I redeemed it for a $25 gift card — just enough to treat myself to free coffees over the course of a few days.

Pros and cons of Fetch

Fetch is free to use, but if you're wondering if it's worth your time and effort, consider these pros and cons from my experience.

Pros
  • You don't need to activate special offers for higher point earnings; you'll automatically earn the offer when you upload a receipt with the eligible items or brands on it
  • Redeeming points is quick and simple
  • Easy to navigate user interface
Cons
  • Racking up enough points to redeem can take a while, and it's sometimes easy to forget to upload your receipts
  • Spending more money doesn't mean you get more points, so sometimes it feels like you aren't earning enough points for the things you're buying

Other ways to get gift cards for "free"

Many rewards credit cards let you redeem your points or miles for gift cards. Usually, one point or mile is worth one penny. The Chase Sapphire Preferred® Card (see rates and fees) and the American Express® Gold Card both let cardholders redeem their points for gift cards. However, as with any card, redeeming points for gift cards typically isn't the best way to maximize your points. You're generally better off redeeming your points for perks like free or discounted travel because the redemption value is greater.

Chase Sapphire Preferred® Card

CNBC Select Rating
5.0

On Chase's site

CNBC Select Rating
5.0

On Chase's site

Spotlight

With Points Boost, your rewards will be worth up to 1.5x on thousands of top-booked hotels and flights from select airlines through Chase TravelSM.

Credit score

Good to Excellent670–850

Regular APR

19.24% - 27.49% variable

Annual fee

$95

Welcome bonus

Earn 75,000 bonus points

See rates and fees. Terms apply. Member FDIC.

Read our Chase Sapphire Preferred® Card review.

The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and more.

  • You can transfer rewards to all of Chase's travel partners including World of Hyatt, Southwest Rapid Rewards and many more
  • Long list of travel and shopping protections
  • $50 annual Chase Travel hotel credit
  • Has an annual fee
  • Requires a high credit score

Highlights

Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.

  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase TravelSM
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater

American Express® Gold Card

CNBC Select Rating
5.0

On the American Express site

CNBC Select Rating
5.0

On the American Express site

Spotlight

The Amex Gold Card offers over $400 in statement credits every year.

Credit score

Good to Excellent

Regular APR

See Pay Over Time APR

Annual fee

$325

Welcome bonus

You may be eligible for as high as 100,000 Membership Rewards® Points

See rates and fees, terms apply. Read our American Express® Gold Card review. The American Express Gold® Card Welcome Offer: To view your personalized offer, you must first submit an application. If approved, you will: (1) receive your Welcome Offer details, (2) have the option to accept the Card with that offer, (3) be required to spend $8,000 on eligible purchases within the first 6 months of Card Membership, and (4) earn Membership Rewards® points. Welcome offers vary and you may not be eligible for an offer. If you're approved and accept your offer, a credit check may be conducted, which could impact your credit score. Terms apply.

The American Express Gold Card is great for earning valuable Membership Rewards® points at restaurants worldwide and U.S. supermarkets.

  • You can earn $400+ in dining and rideshare credits every year (Enrollment required for select benefits mentioned)
  • Exceptionally rewarding for eligible restaurant and U.S. supermarket purchases
  • No foreign transaction fees
  • Larger annual fee
  • Credits are more complicated, you earn them monthly or semi-annually

Highlights

Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.

  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted. 
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. 
  • Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. 
  • Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. 
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay. 
  • Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required. 
  • $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required. 
  • $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction. 
  • New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
  • Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
  • Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
  • See Rates & Fees

Foreign transaction fee

None

Should you use Fetch?

It doesn't hurt to download and use the Fetch app if you want to score free gift cards. Some avid users redeem points for multiple gift cards per year (even if it's redeeming for lower value gift cards). Others may choose to save up their points for one huge gift card redemption.

Some individuals report being denied for some of the gift cards they try to redeem with no clear reasoning. Personally, I haven't had any issues with Fetch but if something comes up, users can contact support for assistance.

Whether you want to use gift cards to treat yourself or to purchase things you need, or you're looking to use gift cards to offset the costs of birthday and holiday presents, it's worth seeing how many gift cards you can earn for spending you had to do anyway.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every personal finance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of financial products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

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For rates and fees of the American Express® Gold Card, click here.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Fetch: How I Got A Free $25 Gift Card For Scanning Receipts

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