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This week in our #ThriftyThursday series we continue with another credit card linked cash back app, DO$H. If you happen to miss last week's post, be sure to check it out here.
What is DO$H?
DO$H is a mobile application that links to your existing debit and credit cards and earns you cash back. Some offers may be a percentage and some may have a fixed amount. As with other apps, there is a $25 minimum to cash out. These funds can be easily transferred to your PayPal or Venmo account.
How to Use DO$H
Just like credit cards, I like to diversify and use a number of apps similar to DO$H. It gives you more opportunities to earn cash back and not pay full price. Whether you want to look at it as a discount or simply free money, it’s a winning situation. While it seems like it may take forever to build up cash back, having multiple apps like this can be beneficial.
The great thing about apps like DO$H, Pei, and others, is they include a variety of restaurants. I have dined in a different city and forgot to check my app first, but pleasantly surprised when I get a DO$H notification!
I will warn people about couple things with DO$H. First, you will see targeted offers. This means some users will see an offer, while others will not. In addition, these apps have been known to not track some purchases just like with shopping portals. I always recommend people keep records or screen shots of purchases, especially purchases that should earn large amounts of cash back. Second, DO$H has a hotel booking section, too, but those are third-party bookings. These hotel stays won’t get you any status benefits and I have found them to be actually more expensive at times than booking direct. This nullifies any cash back. Lastly, my final advice is that some offers can disappear quickly. Others are mainstays and seem to stick around for a bit. If you see a good one, jump on it.
Overall, if a purchase doesn’t post, I send a message to DO$H to see what the issues was. I tend to stick with the main apps and portals that have worked for me. Most of the time, DO$H is reliable. Depending on your location, you may have better offers or success than others.
A “stack” is when you make a purchase, but can combine more than one discount, cash back, or points-earning method, thus “stacking” the deals.
You must use one of your registered cards, so you’re already earning credit card points, in addition to the cash back. On top of that, I have noticed that AMEX offers and DO$H oftentimes have several of the same merchants. For example, wine.com is on DOSH, and also is a popular Amex offer which seems to show up frequently. You can earn 4% cash back on that wine purchase plus whatever your Amex offer is if you are using your linked Amex card.
Overall, I have found DOSH to not have as many stacks as some other outlets, but it is still a good cash back option. Plus, you never know when they will add a new merchant. Many local favorites have shown up for members of ToP such as Safeway and Costco.
I am always excited about free money and that is no different with the Dosh app. You’re earning cash-back for merchants that you were planning purchases anyway. It’s nice to cash in that $25 every now and again. Overall, I've earned over $100 cash back without doing anything!