12. MyPoints

MyPoints has been in business for almost 20 years. Members earn points, which can be exchanged for gift cards or cash. These points are earned by making purchases through the MyPoints cash back portal, or participating in one of their other activities — surveys, games, searching the internet, reading email, watching videos, and printing and using coupons.

This rewards/cash back program has a couple of aspects that could potentially make it less desirable than other sites. First, the cash back rates. I compared MyPoints with other sites and looked at 10 merchants. In eight instances, the cash back rate was about half a percent lower, and in two cases it was about half a percent higher. Second, members who use the site earn points. Many sites do this and it's not a bad thing as long as points are equivalent to currency (i. e. one point = one penny, so 100 points = $1). In the case of MyPoints, the value of the points varies, and all are worth less than a penny each. For instance, a $10 Applebee's gift card is 1650 points, the equivalent of $16.50 if each point were worth a penny. Still, with a $10 gift card bonus for signing up and making a cash back purchase of $20, it's worth a shot just for that.

Where Available: USA, CAN.

Number of Merchants: More than 1900.

Cash-Out Threshold: $10 gift card or $25 PayPal.

Payment Methods: Gift card or PayPal when enough points have been accrued.

Mobile App Available: Yes.

Sign-up Bonus: $10 gift card when a purchase of $20 or more is made through their cash back shopping portal.

Try MyPoints and get a $10 gift card!