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Short answer: Ibotta pays real dollars on specific offers, cashed out to PayPal, a participating bank or gift cards from $20. Fetch pays points on receipts, redeemed for gift cards and cash cards (roughly 1,000 points to $1, Fetch says). Many people use both on the same receipt.
| Ibotta | Fetch | |
|---|---|---|
| How you earn | Cash back on offers in the app | Points for snapping receipts, with bonus points on featured brands |
| Reward | U.S. dollars | Points (about 1,000 = $1 in gift cards, as an approximation per Fetch) |
| Cash out | Bank (if your bank participates), PayPal or gift cards (some gift cards have a $25 minimum) | Gift cards, cash cards and sweepstakes entries |
| Minimum | $20 earned, at least one redeemed offer, and 7 days after your first redemption; new accounts also need a verified phone number | Not verified yet: check the issuer’s current terms |
| Referral | Bonus shown in the app; not verified by us yet | Both people get bonus points when the friend uses your code before their first receipt |
Which to choose
- You plan grocery trips: Ibotta’s offers pay in cash on specific items.
- You don’t want to plan: Fetch rewards receipts you’d otherwise throw away.
- Both: scan the same receipt in each app when it qualifies for each.
Pair receipt apps with store coupons using I Need Coupons’ coupon stacking guide.
Frequently asked questions
Does Ibotta pay cash?
Yes. Ibotta lets you withdraw to a participating bank, PayPal or gift cards once you reach $20 and meet its other withdrawal requirements.
How much are Fetch points worth?
Fetch says 1,000 points are approximately worth $1 in gift cards, though some gift cards differ.
Can I use Ibotta and Fetch on the same receipt?
Generally yes, if the receipt meets each app's own rules.
Sources
- Ibotta: ways to withdraw earnings (checked Oct 29, 2026)
- Ibotta: withdrawal lockout rules (checked Oct 29, 2026)
- Fetch: understanding Fetch Points (checked Oct 29, 2026)
- Fetch: referral program (checked Oct 29, 2026)