Is Fetch Rewards safe? How Does Fetch Rewards Work? Is It Dangerous?

Fetch Rewards is a safe app. “How does Fetch app work?”, is a common question among new users before they try to use the Fetch Rewards app. We will take a look at what are the pros and cons of this legit app.

If you are wondering if Fetch Rewards is a dangerous app, we will answer that too in this post.

I have been using this app since 2019 and so far I have had no problems earning points for my receipts. The rewards that I redeemed in the app were delivered to me promptly and the app itself worked well.

I have redeemed more than $850 for my Fetch Rewards points.

Is Fetch Rewards safe?

Yes, Fetch Rewards is safe. It is a legit app. It is not a dangerous app base on my own experience of using this app. From the past four years of using this app, I got no trouble with it. My points were properly credited to me and the e-gift cards I received worked without any issues.

So, take my word, Fetch Rewards is absolutely safe. Hey, but you got to take steps on your side too like creating a strong password in the app. Rest assured your information and shopping receipts are kept safe and private.

Fetch does not scam users of money or share your personal email address, phone number, etc. It is a real app that rewards you with real money for uploading your receipts.

Here are the 4 facts that I uncovered when I investigated how Fetch Rewards work with the receipts.

5 facts to prove that Fetch Rewards work fine and it is a legit app

1. Fetch Rewards keeps your personal information secure

When you register an account on the Fetch Rewards app, you pick your password (a strong password with eight characters is what I personally recommend).

No one can access your information unless they know your password. So, keep it secure only remember it in your mind. Keep reading and I will show you are protected even when someone gets your password somehow. You are still safe

As far as Fetch is concerned, your personal information such as name, phone number, and address is not stored anywhere on their website or in their stores. The information that the Fetch Rewards app collects from your receipt is only stored on your smartphone.

Even the information stored in your smartphone is secured using technologies such as Keychain secure.

When you connect your email address and Amazon account, Fetch scans your inbox securely and picks any valid eReceipts there, and awards you with points.

Personally, I keep a separate email account for apps like Fetch Rewards and other apps such as Fluz, Upside, and Cash app.

The information in the receipt such as the convenience store name and items purchased are shared with market research companies and that is how Fetch Rewards get paid and you get the points for your receipts. This is what they get out of your uploaded receipts.

Again, your personal information is made anonymous to the marketing companies and it is totally safe. This is good since your purchase items and store name and location in no way can be traced to your name or home address.

2. Credit card information is secure

Any physical or digital receipts (e-receipt) your upload are scanned and information is verified to make the uploaded receipt a valid one.

This is the most concerned topic among Fetch Rewards users and now you know this app is safe indeed.

They only store the last four digits that appear in the receipt that you upload. This is good because the information that they share with market researchers does not need the credit card information or the type of credit card you have used to buy items at a grocery store. So you don’t have to worry if your credit card info is stolen.

That’s a big relief for me as I was concerned if my credit type being stored anywhere.

3. Your Fetch account password is secure

When you register for a new Fetch Rewards account, you can select a username and strong password (12 characters in length containing a mix of uppercase, and lowercase alphabets, numbers, and special characters).

Fetch offers an option to authenticate your account login using the device authentication method to make it even more secure.

Basically, this authentication means that if someone successfully logs into your account on his/her smartphone or browser, Fetch will notice this discrepancy.

Fetch will verify the device is yours by sending you a device verification email. To see how it works, you can check their page here.

This tells us that Fetch Rewards is safe when it comes to your login credentials.

Even if someone hacks and gets your username and password, they have to verify they are real by confirming the email they got from Fetch Rewards.

fetch rewards device authentication screen in the app
Image courtesy: Fetch Zendesk

4. E-receipts are not dangerous but you can opt-out

If you like, you can skip the e-Receipts enrollment so you don’t have to connect your email or Amazon account to Fetch Rewards.

This is just for your peace of mind but again I have used e-receipts with Frecth Rewards and it is safe.

You can always skip the setup for eReceipts and continue earning points using the app by only uploading physical receipts.


5. Do your part to keep your Fetch Rewards account safe

Keep your Fetch Rewards account safe, by picking a strong password (a mix of upper and lower case letters, numbers, and symbols, with no ties to your personal information, and no dictionary words.)

Earn up to 25¢/gal cash back every day!

Do Fetch Rewards steal credit card info?

Fetch does not steal your personal credit card information. Here’s why.

You have the last 4 digits of the credit card info on your receipt and it is scanned by the Fetch Rewards app along with other receipt details such as date, items, and price.

Even if that info was hacked somehow, you have nothing to lose. If it is not possible to use those 4 digits of your credit card to buy anything.

Fetch Rewards scans your receipt with the last four digits of your credit card and does not steal it and store it somewhere. Now you might wonder if that information is safe and if your privacy is guaranteed.

Why does Fetch want my receipts?

When you upload receipts, Fetch Rewards work by using that information in your receipts such as what items you bought, when and where you bought them, and so on. They send this data to market research companies to understand consumer behavior.

But Fetch Rewards will never expose or share your name, address, or credit/debit card information with marketing companies.

Join Fetch Rewards today using this invite link and get 2000 points as a sign-up bonus.

Do you have to pay taxes on Fetch Rewards?

No, you don’t have to taxes on your Fetch Rewards earned points. You might have redeemed more than $600 worth of money or e-gift cards in exchange for your Fetch Rewards points.

If so, those are still considered coupons or discounts and not as earned income. There is a lot of discussion on Reddit about this that you can take a look at.

So, in other words, the Fetch Rewards cashback earnings that you earned by spending on your everyday purchases are not taxable. Generally, any earnings or rewards earned through purchases are tax-free.

Is the Fetch app good for Amazon?

It is totally safe to use your Fetch Rewards for earnings cashback for your purchases on Amazon. Fetch Rewards does not share or misuse your Amazon account email address, password, or other personal information.

Sometimes, I have noticed the Fetch Rewards does not scan the Amazon purchases or your email e-receipts regularly and misses my latest purchase and e-receipts.

To rescan my recent purchase, I had to disconnect and reconnect my Amazon and email account.

Is Fetch Rewards worth it?

Fetch Rewards is worth your time when you use it regularly. Although you only 25 points for every receipt you upload, you do get bonus points for some products.

For example, you could get 500 points for face cream products or for some promotion items then Fetch posts every day.

It is definitely worth using it and earning points. It really helps you save money by earning cashback which you can redeem as cash money.

Is Fetch legit

Yes, Fetch is a legit app. It gives you points for scanning your receipts. The receipts are secure and your privacy is guaranteed. The points can be redeemed for e-gift cards which are legit gift cards.

My personal review of Fetch Rewards

From day one when I installed Fetch Rewards, I noticed that it showed special offers for popular items like diapers, cookies, milk, bread, and so on. I was earning 0.25¢ for every receipt that I uploaded.

This looked like small cashback money for a single receipt but it adds up. That’s what happened to me. In one month I was earning $5 to $10 from my receipts.

Then, I noticed even more earnings for certain things I bought from the store. Snack items especially gave me more points since they were part of promotional offers. So I understood that I should buy when there is a special offer in the Fetch Rewards app.

This is not to suggest that you should always buy the brands that the Fetch app suggests in order for you to earn 500 or 1,000 points. A simple rule is that if a product or brand is worth 250, 500, or more reward points, think about the original price of the product.

If the original price and the reward make a difference in savings, go ahead and buy that item. Your goal is not to earn points and thereby end up buying costly items just to just more points.

I then started sharing my referral code and it earned me big points pretty quickly. When my friends and their friends start using my referral code it earned me 2000 to 3000 points based on the referral bonus offer that was going on in the Fetch Rewards app. So I highly recommend this referral bonus to earn more points easily and quickly.

Here are the pros and cons that I found from using this app and from user reviews. But I can tell you that I loved this app and so will you too. Try the Fetch Rewards app today and see it for yourself.

Easy-to-use interfaceLimited in-store availability
Offers a wide selection of productsLimited earning potential
Offers cashback rewardsRewards may take some time to appear in your account
Has a referral program for earning bonus pointsRequires access to your email and location data
Offers bonus points for completing certain tasksLimited customer support
No minimum payout thresholdNot available outside of the US


In conclusion, Fetch Rewards does work pretty well when it comes to earning cash for your receipts. It is indeed a safe app. This legitimate cashback app has very good security and the cashback money you save is real.

During my usage of this app, my information was always safe and I did not receive any scam emails from Fetch Rewards or marketing companies.

You can use it without thinking about privacy. Your privacy is totally guaranteed. I have been using it for several years now and redeemed e-gift cards for points.

Read my post on How To Redeem Fetch Rewards and Ibotta vs. Fetch Rewards: Which Is Better? to help you get more understanding of this app and how real it is.

If you like Fetch Rewards, you definitely want to use this Upside promo code and save up to 45¢/gal on gas.

You should also check out the Dosh referral code to get $1 and also start earning cashback without uploading receipts with the Dosh app.

Fetch Rewards Referral Code NCTUU3 For 3000 points ( Plus 1000 points on your 1st receipt scan)

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