Dosh Review – How Does it Work and is it Worth It?
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Do you love earning cashback but don’t have the time to track what you must buy or to clip the rewards? Dosh is a set-it-and-forget-it cashback app. Once you link your debit or credit card to the app, you automatically earn cashback with qualifying purchases. You just shop and earn – it’s that simple.
Is the Dosh app worth the hype? Check out our review below.
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What is Dosh?
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Dosh is a cash back app that pays you back for your purchases. Most stores pay between 2 and 5% cashback, but some stores pay as much as 10%. The nice thing about the Dosh app is you don’t have to take time to clip coupons, look at offers, or do anything special.
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How Does it Work?
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To earn cashback you must link the Dosh app to your credit or debit card. Note, if you link your debit card, you must use it as credit when you checkout or you won’t earn the cashback. Once your cashback earnings reach $25, you can redeem your earnings by taking them as PayPal cash, Venmo, a direct deposit in your bank account, or to make a charitable donation.
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Dosh works with thousands of stores and restaurants, including:
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Sephora
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Costco
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Dunkin Donuts
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Office Depot
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Forever 21
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Home Depot
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So many more
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Also, if you book a hotel through your Dosh app, you’ll earn 40% back each night you stay in the hotel!
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Dosh Features
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Earn cash back automatically
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I don’t know about you but any rewards app that requires more work from me is usually short-lived. Scanning receipts and clipping offers adds more time to my already busy lifestyle that I usually give up after a while. Dosh is automatic. You don’t need specific codes, or anything special to earn cashback. Link your credit or debit card and shop like normal, all while earning cashback in the background.
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Works at thousands of retailers and restaurants
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Dosh adds new deals daily. You can shop in-store or eat at restaurants. Either way, you earn cashback automatically with your purchases when you use your registered debit or credit card. You don’t have to do anything special to earn the cash.
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Earn cash back online
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If you prefer to shop online, earn cash back by shopping through your Dosh app. Dosh partners with thousands of retailers, allowing you to earn cashback on your purchase. Just shop through the link at your favorite stores like you normally would and earn cashback.
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Get cashback on travel
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Dosh works with over 600,000 hotels around the country, paying you back as much as 40% of your night’s stay.
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Another feature most people love is the Dosh referral codes. You earn cashback for every person you refer to Dosh. Here’s how it works. In your dashboard, you’ll find Dosh referral codes. Send them to your friends and family and share them on your social media pages. Anyone who clicks on the link downloads the app, and links their credit card to the app will earn you a $5 bonus.
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You can earn a bonus for every referral you send to Dosh. If you have business connections, you can earn even more money. If a business signs up under your referral, you earn 20% of their Dosh fees for two years.
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How to Sign up for Dosh
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It’s easy to sign up and use Dosh. Here’s how:
[/fusion_text][fusion_text rule_style=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″]Step 1: Download the app on your Apple or Android phone
Step 2: Enter your personal information including your email, phone number, and your credit card information
Step 3: Enable notifications (if you want)
Step 4: Enable location services (if you want)
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What’s the Cost?
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On the surface, Dosh is free. In fact, they pay you to use the app. But, if you download the app and sign up for an account, you can incur inactivity fees if you don’t use it for a year or longer. The fee is somewhat hefty at $4.99 a month. They take the funds from any Dosh balance you have. They say this is to cover the cost of maintaining your account without you earning them any money by using the app.
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Pros and Cons of Dosh
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Who Should Use Dosh?
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Honestly, anyone that shops should use Dosh. If you enjoy earning cashback on your expenditures, you should use it.
Whether you love shopping or only do it when absolutely necessary, you’ll earn cashback on your purchases. If you travel or shop online, there’s even more reason to use Dosh since you can increase your earnings by staying at partner hotels (booking through Dosh) or shopping online via the Dosh app.
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Since you don’t have to do anything extra to earn on the Dosh app, anyone can benefit no matter how busy you are.
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Who Shouldn’t?
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While Dosh is for everyone, if you aren’t comfortable sharing your credit card information with the app, you may want to use an app that requires you to select the offers and/or upload your receipts.
Additionally, if you don’t use a credit card for most purchases (you use cash or a debit card as debit), you won’t earn cashback using the Dosh app.
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How Does Dosh Make Money?
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At this point, you’re probably wondering, how does Dosh make money? They pay you to shop and they even pay you to refer friends and family, so what’s in it for them? Dosh earns money from the retailers, restaurants, and hotels they partner with and that you use. When you spend money at these retailers, restaurants, or hotels, Dosh earns a commission from them, which they share with you. Dosh profits by earning the funds and keeping the difference between what they pay you and what they earn.
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Dosh FAQ
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Is the Dosh app legit?
Yes, the Dosh app is legit. Millions of people have earned money from them and have enjoyed it because they don’t have to put in any extra effort. They link their debit or credit cards and earn money every time they shop, eat out, or stay at a hotel.
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What’s the catch with the Dosh app?
That’s the thing – there is no catch! The Dosh app works just like other cashback apps like Ibotta or Rakuten. The only difference is you don’t have to activate the offers or upload receipts so it’s even easier to earn cashback.
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Does Dosh sell your information?
Dosh does not sell your information to third parties – they state this in the agreement when you sign up. In addition, they don’t store any of your personal information including your credit card information on their app. Everything is encrypted and they don’t share your information with anyone else.
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Does Dosh cash expire?
If you aren’t careful, your Dosh cash could expire. But to prevent that from happening, make at least one eligible transaction in 12 months or withdraw cash from your Dosh app. If you switch credit cards you use most often, switch out your credit card linked to your Dosh app. If your account becomes inactive, it could cost you $4.99 a month in your Dosh cash. They won’t ever charge your credit card, but you’ll lose your earnings $4.99 at a time.
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Final Thoughts
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If you shop, you should use the Dosh app. They protect your information and if you link a credit card (not debit), you should have $0 fraud liability protection. What you have to gain is a portion of each of your purchases given back to you via the Dosh app. You need just $25 before you can cash out which is a small amount. If you earn 10% back at most stores, that’s just $250 you have to spend. Even if it’s 5%, once you spend $500 you can redeem your cashback.
If you love the Dosh app, share it with friends and family. If you download the app from a referral link, you also help the person who referred you to the Dosh app. It’s a great way to share the wealth all for doing something you normally do – shop!
If you’re curious about how Dosh compares with Rakuten, check out this Dosh vs Rakuten article and find out which app is better.
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