DOSH, The Cash Back App, Is Not a Scam

I have been using DOSH for the last few months. I downloaded, registered, and added my credit cards.

I turned off DOSH push notifications, so it doesn’t annoy me anymore with daily deals, near-by sales, etc.

I only remember Dosh when I get a notification email about my earnings.

Earnings are pretty irregular in this setup-and-forget mode I am in. I’d earn much more if I actively buy things out of their promotions and leads.

Other reviewers would ask you to – have push notifications ON, check the app before purchasing online, check the app before drinking your morning coffee.

I won’t do that. I’ll rather ask you to forget the app after adding your credit cards. And enjoy some beer money from time to time.

I earned only $16.44 since I registered with Dosh.

You can say this is not enough for your time. Absolutely.

But the fact is I am not spending any time, I accumulated $16 out of nothing.

In this post, I won’t teach you how to setup Dosh, how to link your cards to it. You can find Dosh in Appstore or Google play store

If you have been using a smartphone for some time, you will figure out those steps.

If you’re still undecided about Dosh, let me pick your mind and answer some of the questions for you.

Is Dosh legit?

Absolutely! they maintain an accurate historical earnings report and you can withdraw once you cross the threshold earning ($25).

While using Dosh, sometimes you will feel cheated, but scrutiny would tell you why you didn’t earn when you were expecting to earn for that particular purchase.

For example, this happened with me – I got a cashback from drinking coffee at Dunkin’s, suddenly I stopped earning. Sure enough, the deal was gone!

Dosh is one of the new-age, new-economy startups, vying for the digital marketing pie while waiting to be bought over by some giant.

Your data is secured with Dosh.

I looked into some of the job openings the Austin based company had.

They employ some of the best technology talents. Their data security is robust.

I don’t have any suspicion so far that my credit card data is compromised in any way.

Go ahead, link all your credit cards. If fraud happens, it can happen any time, any day, with or without you signing up for Dosh.

Fortunately, most credit cards provide fraud protection services.

Sign up for Dosh here.

Dosh business model

Their business model is to make you spend more so that they can get more commission from the businesses and brands.

Who doesn’t do it?

Your bank, your insurance company, your school everyone wants you to pay more and spend more.

You can still come out winner, like me, by setting up and forgetting about Dosh.

So, you can end up earning beer money for buying things you’d buy anyway, without letting Dosh causing you to spend more.

Why Dosh pays money

They are promoting the brands and businesses. When you see deals on Dosh and buy, Dosh gets some commission. Dosh pays you a part of it.

We buy things when we see discounts.

When we earn cash back one day, we go back their repeatedly to earn more cash backs.

Once my nearest Dunkin Donuts was in the Dosh map for 4% cashback. I went there on weekends for morning coffee.

Now I don’t earn there anymore. I still go there but occasionally I got o Starbucks nearby as well. As the lure of Cashback is no longer there.

They also send you to push notifications and emails. Those serve as marketing on behalf of their contracting businesses.

When you buy from them, Dosh earns commissions and pays you a part of it.

This is no different than your regular credit card offer.

How much could I earn?

No limit.

The more you spend, the more you’ll earn.

Although I noticed. reduction in the number of cashback offers, since the COVID crisis.

If you dedicatedly follow Dosh deals and leads, you can earn much more.

I can’t change my favorite store or brand to get 4% cashback.

But that’s how I am.

You may be willing to drive 2 more miles to get the cashback.

To my experience, you earn a similar amount as with answering surveys, but the big difference is the passive nature of earning through Dosh.

Availability of deals

Dosh was better before the COVID crisis. So were other similar apps.

Now deals are severely limited.

Some big brands like Adidas, Nike, BJ’s, and Sams Club are present. But, not all locations participate in the offer at any given time.

There are local restaurants as well, but their numbers declined since the crisis.

How you get the Dosh earnings to your bank?

You have multiple redeeming options, including bank account, PayPal, and Venmo.

Remember, the minimum redemption threshold is $25, which I haven’t made up yet.

Can you stack offers from credit cards or loyalty points?

One good thing about these cashback apps like Dosh is that you can stack all the rewards.

Example – My AMEX Gold card earns 4% reward (MR) points at restaurants. So when I add the same AMEX Gold card in Dosh app, I earn Dosh cashback on top of regular credit card rewards.

Some Dosh don’ts

Do not book hotels on Dosh if your travel is not certain. You won’t get a refund in case you need to cancel your trip. And you don’t earn hotel loyalty points.

It is useless, almost, to link your debit cards. But why do you spend on the debit card anyway? Debit cards generally don’t earn cash backs

Don’t spend too much time in their push notifications and emails. They are meant to make you spend more. Better you opt-out of them.

Don’t use a card at stores, which is not linked to Dosh. Else, you’ll miss out.

If you’re using other cashback apps like IBotta, etc. You can’t link the same card on multiple apps.

Why I am telling you all these?

Because of the affiliate income, I’d receive if you signup for Dosh using links in this post.

So, yes, I have some vested interest.

Let us know about your experience with DOSH in the comments below.