Reader Andrew sent in about another card-linked rewards program called Pogo Cash. Add your card to Pogo using the Plaid system, and then earn cashback at retailers with certain categories. You can also link your merchant logins (e.g. Amazon login, Walmart.com login, Kroger login, etc) and earn points on your purchases that way.
No need to scan any receipts – just shop in the categories and you’ll earn cashback (around .1%-.2% back, according to reader Andrew) via PayPal or Venmo. You do need to click ‘redeem’ on each transaction every day, but it’s an easy click.
As always, you’re basically giving away your data for a bit of cashback. Do what you’re comfortable with.
Feel free to share your thoughts and analysis on the app in the comments below. You can use reader Andrew’s referral link to signup if you’d like to gift him 250 points ($.25). No referrals in the comments.
You better be a big shopper to qualify to collect that $3. It obviously resets the points. It took me 6 months to get 4,000 points and even though all time points is 4 000 I can’t cash them out. You have available points and all time points. My available points right now is at 800. I never got to cash out the other points because I cannot hit the amount of points into whatever time limit they have for it. This app is not worth it.
“(around .1%-.2% back, according to reader Andrew)”
No, it is far worse than 0.1-0.2%.
Converting their point system into a cashback rate, it is actually:
Purchases without linked receipts:
$10-$50: 0.008% – 0.04%
$50-$100: 0.008% – 0.016%
$100+: 0% – 0.015%
Purchases with linked receipts:
$10-$50: 0.04% – 0.2%
$50-$100: 0.035% – 0.07%
$100+: 0% – 0.05%
Keep in mind that the majority of the average person’s large purchases (e.g. bills and invoices, business purchases etc.) would be without linked receipts.
Based on your description of 0.1-0.2% in the post, I was hoping that it would be effective for large business purchases or MS, but nope…on a purchase of $500, that’s 0.003% for no receipt, and 0.01% for receipt. Absolutely not worth anyone’s time.
1,000 points = $1.00
Minimum cashout: 3,000 points
How are points determined?
Purchases without linked receipts:
$10-$50: 4 pts
$50-$100: 8 pts
$100+: 15 pts
Purchases with linked receipts:
$10-$50: 20 pts
$50-$100: 35 pts
$100+: 50 pts
You can link receipts by providing account login information for:
Amazon, Walmart, Walgreens, Kroger, Target, Publix, Instacart, Wegmans
They claim that login credentials are stored only on your phone.
Non-eligible transactions:
taxes, transfers, bank fees, credit card payments
Transactions need to be redeemed within 14 days.
Cash out via Venmo or Paypal.
Pogo 10% Data Dividend:
Whenever a company uses the purchase data you’ve provided to Pogo, you receive 10% of the money we make. In the early days, payouts will be small but we hope these can become substantial as Pogo continues to grow.
So, you can earn $1 with 50 linked $10 purchases or 250 non-linked $10 purchases.
I signed up, one interesting datapoint is that it takes back transactions from the last 14 days. I had enough points from signing up and the past transactions to already have a little over 1k points.
I also did a few surveys, it took 10 minutes or so and I have just under the 3k points to cash out. It’s really not a great use of time but a mindless click once in a while for some extra cash back isn’t too bad. I have a big monthly amazon shipment that gets charged per item and each of those were worth between 10 and 20 points.
It’s not going to get anyone rich, but it may be an extra hundred bucks a year I guess for a few clicks every now and then.
Need to spend $3000 to earn the min redeemable amount of $3 at .1% cashback rate. Pass.
.1% and you have to click redeem every day? Hard to imagine this being worthwhile for anybody.
Do we know the backend? will it work with pei or dosh as a doubledip?
I have no problem double-dipping with dosh or pei
Do you still use the app/recommend? And if you’re the Andrew that is mentioned up in the post I am thinking of using your referral link that is included just making sure it is still active.
*date = data 🙂
IDK man i’ve had some pretty shitty dates I would give away for Cashback.
dates as in the fruit? or dates as in going to dinner with someone? or dates as in missing the date on a sign up offer and not getting the cashback?
I think you made a typo here meaning to write “data”.
“As always, you’re basically giving away your date for a bit of cashback.”
Fixed, thanks
I haven’t signed up yet, but always interested to hear about new programs and users experience.
I wanted to point out that the description provided here for claiming rewards differs from their FAQ, so I’m curious if their FAQ is out of date or the description provided by OP is misstated.
FAQ under “How do I earn points…” indicates 2 weeks to claim, not daily:
“You simply go into the app and click “Claim” on each (you’ll have 2 weeks to do so after each purchase!). In some cases, you will unlock bonus points for filling out surveys or receive personalized cash back offers at places you shop.”
Points are worth $1 per 1000 and $3 minimum to redeem via Venmo/Paypal.
Also interesting that they advertise any purchase, any store and in addition to that they pay 10% of what they earn any time your data is used… presumably this is separate from the cash back itself since stated separately, but no indication of how much the average value would be.