Card Linked In-Store Cashback: How Does it Work?

To redeem an In-Store Cash Back offer, you must link it to the card you’ve added to your Swagbucks: Linked Cards account. To do that, visit In-Store Cash Back under SHOP, find the offers you like, and link them to the card.


Offers must be linked to your card before you make your purchase, and they must be valid (not expired) when you make your purchase. To see which offers you’ve linked to your card, and to ensure they have not expired, follow these steps:


  1. Sign in to your Swagbucks account 
  2. Visit In-Store Cash Back 
  3. Click on see details of your ‘Linked Store’


How to go Shopping

Find an offer on, link it to your card and use that card to go shopping in-store. In-Store Cash Back offers are good for only a single purchase at a time, but if you want to make a second purchase, you can relink the offer. Offers are relinked in real-time. 


In-Store Cash Back Email Alerts

After you’ve made your purchase, Swagbucks will send you a notification that Cash Back has been added to your account. This process can take up to 10 business days. You can find your reward amount on the Activity’s ledger of your account. 




What is Swagbucks In-Store Cash Back?


In-Store Cash Back enables Swagbucks members to earn rewards when shopping in-person at participating local retail stores. Yes, you can earn online and in-store!


How do I earn In-Store Cash Back?

Swagbucks In-Store Cash Back is available to all current members. Add one or more eligible American Express, Mastercard or Visa credit cards to your Swagbucks profile and link available In-Store Cash Back offers to your card(s). When you shop at participating local stores and pay with your eligible linked card, you will automatically earn Cash Back on qualifying purchases. Cash Back will typically be added to your Swagbucks account within ten days of your purchase.


Can I earn In-Store Cash Back for online purchases?

No. Swagbucks In-Store Cash Back offers are valid only for purchases made in physical stores. You can still enjoy Cash Back for online purchases when you start your shopping at


Can I earn In-Store Cash Back for purchases made via phone?

No. Swagbucks In-Store Cash Back offers are valid only for purchases made in person at physical stores. Orders placed via phone — whether to a merchant’s call center or to a specific store location — are not eligible for In-Store Cash Back.


Can I earn In-Store Cash Back while shopping outside of the United States?

In-Store Cash Back is currently available only for in-store purchases at participating merchant locations in the 50 United States unless expressly stated otherwise on the offer details.


Can I earn In-Store Cash Back when using a mobile payment method, such as Apple Pay, Android Pay or Samsung Pay?

We recommend using only physical credit cards for In-Store Cash Back purchases because payments through third-party mobile payment processors may not track properly. If your payment isn’t tracked properly, Cash Back will not be awarded.


Can I use a credit card issued outside of the United States to earn In-Store Cash Back?

Only cards issued in the United States and Canada are eligible to earn Cash Back at participating stores in the United States. Please note that any Canadian credit card must be enrolled in the In-Store Cash Back program to earn rewards.   


Does Swagbucks In-Store Cash Back cost extra?

Absolutely not. Swagbucks In-Store Cash Back is offered to all Swagbucks members for no extra cost.


Do I need to upload a receipt to Swagbucks to earn my Cash Back?

No. Swagbucks does not require that you upload a receipt to earn Cash Back; simply shop with your linked card as described in this FAQ. We recommend, however, that you retain your receipt in the event of any issue related to your transaction; for example, if you do not receive your Cash Back as expected. Your receipt is a valuable tool to help our Swagbucks Member Services team research a missing transaction.


What type of credit cards can I use?

Swagbucks In-Store Cash Back works with most American Express, Mastercard or Visa credit cards. Exceptions include Macy’s American Express cards, corporate and purchasing cards, Health Savings Account cards, Flexible Spending Account cards, government-administered prepaid cards (including EBT cards), insurance prepaid cards and Visa Buxx. Diners Club and Discover cards are not eligible for In-Store Cash Back at this time.


Can I use my store credit card for In-Store Cash Back?

Swagbucks In-Store Cash Back is awarded when American Express, Mastercard and Visa report your linked purchase to us. Unfortunately, most store cards, even if they have a major credit card logo, are processed through the store’s bank and not the major credit card networks. This prevents us from being able to award Cash Back on these transactions.


Can I use my debit card to earn In-Store Cash Back?

It is recommended that you use an eligible American Express, Mastercard or Visa credit card for Swagbucks In-Store Cash Back. If you choose to use your debit card, do not enter your PIN at checkout. Instead, select “credit” instead of “debit” when your card is swiped or inserted, which means you will sign a receipt instead of entering your PIN at the point of sale. If you use your PIN for debit, Swagbucks will not get your transaction information and you will not be eligible for In-Store Cash Back.  You are responsible for any fees and costs related to choosing to transact with “credit” with your debit card.


How many cards can I enroll for In-Store Cash Back?

You may enroll as many eligible credit cards as you like. There is no limit to the number of eligible American Express, Mastercard or Visa cards that can be added to your Swagbucks profile to earn In-Store Cash Back.


How do I know my credit card information is secure?

Swagbucks takes your privacy and security very seriously. Your credit card data is safely stored in a secure, encrypted environment that has been certified as compliant by the Payment Card Industry Security Standards Council (PCI). You can learn more about PCI compliance at For more information on how Swagbucks handles your private information, please see Swagbucks  Privacy Policy and the Swagbucks  In-Store Cash Back Terms and Conditions and Privacy Statement.  


Linking Offers


How do I link an offer to my credit card?

Once you’ve added an eligible credit card to your account, go to the Swagbucks  In-Store Cash Back page to view all available In-Store Cash Back offers. Find an offer and click “Add Offer” to add it to the cards you have enrolled for Swagbucks In-Store Cash Back. You may also link an offer by clicking “Shop In-Store” on each participating store Swagbucks page. Now you’re ready to start earning.


When I link an offer to my card, do I get In-Store Cash Back for all future purchases at the merchant?

No. For some offers, when expressly indicated, you may make additional qualifying purchases within a 24-hour window following your initial redemption, but, for others, the link is good only for a single redemption. Check “See Details” on the In-Store Cash Back site to determine the rules for a specific offer. To earn additional Cash Back on the same In-Store Cash Back offer, where permitted by the offer terms, please re-link the offer to your card and then make your subsequent purchase. We recommend reconfirming your link status before your next purchase. 


How many times can I link an offer?           

If there is a limit on the number of times you can link a Swagbucks  In-Store Cash Back offer, it will be specified in the offer’s details. Select “See Details” for an offer to see additional offer terms and restrictions. For example, if the offer has a limit per person of three, then you can link the offer up to three times and redeem it to earn Cash Back on three separate qualifying purchases.


Do links expire?

Yes. Link expiration varies by merchant, so please check the details of your offer on the In-Store Cash Back site to determine the rules for a specific offer. If the offer is no longer linked to your card, you will not receive Cash Back for your purchase. We recommend reconfirming your link status before your shopping trip. You can confirm that an offer is linked by checking the status on the in-store shopping page. If the offer status is “added” the offer is linked to your card(s) on file. 


If I make a purchase before I link an offer, will I still get Cash Back?

Unfortunately, no. You must link In-Store Cash Back offers to your eligible American Express, Mastercard or Visa credit card before you make a purchase in order to earn Cash Back.


Redeeming Offers


How do I redeem an In-Store Cash Back offer?

Redeeming an In-Store Cash Back offer is simple. Once you’ve linked an offer to your eligible American Express, Mastercard or Visa credit card, simply use that card to make an in-store purchase that meets the terms and conditions of the offer. Remember, if you use your debit card to redeem an offer, do not enter your PIN. You must use your signature in order for Swagbucks to be notified of the transaction.


Do I need to present anything at the time of purchase?

No. That’s the best part! With Swagbucks In-Store Cash Back, there are no coupons to clip, no vouchers to print and nothing extra to present to the store at the time of purchase. Remember to use a valid and eligible credit card you’ve linked to the offer!


Do all product purchases qualify for In-Store Cash Back?

Most in-store purchases at participating merchants are eligible for In-Store Cash Back. However, some stores may exclude certain products or categories from eligibility. For example, some merchants may not reward In-Store Cash Back for gift-card purchases or for transactions within certain departments of the store, such as pharmacy or automotive. Be sure to review the In-Store Cash Back Offer details for each of the offers you link to your payment card for any exclusions that apply. Swagbucks reserves the right to deduct Cash Back from your account if we determine that your purchase is for a product or category that is ineligible.


Do offers expire?

Yes, merchant offers expire. Expiration dates are specific to each offer and may be found by selecting “See Details” on the offer. In addition, offers that are expiring in five days or fewer will usually display the message “Ending Soon” on the Swagbucks  In-Store Cash Back home page. You will not qualify for Cash Back on any purchase made after the offer has expired.


What happens if an offer expires and I haven’t redeemed it?

If an offer expires and you have not redeemed it the offer will be unlinked from your card. You must relink the offer to earn cashback. 


How will I know if I’ve successfully redeemed an offer?

Swagbucks will send you an email when we learn of your in-store transaction. Cash Back earned from In-Store Cash Back offers will be added to your shop activity page along with all the other Cash Back you’ve earned.


When will Cash Back be added to my account?

It can take up to ten business days for In-Store Cash Back to be added to your account. If you do not see your Cash Back within ten business days of your in-store purchase, please contact Swagbucks  Customer Service.


Do I need to keep my receipts?

Yes. If the Cash Back does not automatically report to your account, or, if we need to investigate your transaction for any reason, we will need to see your receipt to investigate.


Can I remove my credit card from my Swagbucks Wallet after my purchase?

Yes, you can remove your card from your Swagbucks Linked Card page at any time. Please note that your Cash Back will not post to your Swagbucks account if your credit card is not linked at the time the payment is fully processed.


What percentage of Cash Back will I earn? Do Cash Back rates change during the offer period?

When using In-Store Cash Back, you will earn the amount of Cash Back that is advertised on the date you made your purchase. For example, if you linked an offer when the Cash Back rate was 4% but made your purchase during a 2x Cash Back promotion, you will earn the promotional rate of 8%. Conversely, if you link at the promotional rate of 8% but make your purchase once it has returned to 4%, you will earn the 4% Cash Back rate. If you link during the promotional period, we recommend you shop before it has ended so you can maximize your Cash Back.