How much does Fetch pay?

Fetch is the fifth answer this format has found, and the first one where the denominator is not dollars by design. Its Terms of Service say you have no property rights in points and that points have no cash, monetary or other value. Then Fetch turns around and prices them exactly — not in the app, not in the help center, but in sweepstakes rules, where a company has to put a number on a prize whether it wants to or not.

What one receipt pays

The earning side of Fetch is published, and it is a single number. Snap a physical receipt from any store and you earn at least 25 points. The help center names the retailer types that can earn more than the minimum — grocery stores, supermarkets, club wholesalers, home improvement and hardware stores, pet stores, liquor stores, convenience stores and gas stations — and non-itemized receipts are accepted at the 25 points and are not eligible for offer points at all.

Three published limits sit around that rate:

• 35 receipts in a rolling seven days. That is five a day, and it is the only ceiling Fetch puts on receipt earning. There is no cap on what an account can earn in total.
• 14 days from the checkout date. Older receipts are not processed, and the terms repeat the rule.
• 1,000 points for a referral, to both people, once the new user snaps a first receipt.

That is a genuinely good disclosure, and it is more than Mistplay publishes about a single action. It is also the last number on this page that Fetch prints in the ordinary way.

The price of a point, from the documents that have to say it

To turn 25 points into money you need the price of a reward in points, and Fetch does not publish one. The rewards page on its website shows a wall of gift card brands with no price on any of them. The help center says the catalog can be viewed by category or by points needed, inside the app. The terms say points may be redeemed at the rate specified in the Services at the time of redemption, which is a way of saying the rate is whatever the app says when you look.

There is one class of Fetch document that cannot be vague, because sweepstakes rules have to state what a prize is worth. Read three of them together and the missing number falls out:

Three sets of rules, fourteen months apart, all Fetch's own, all landing on exactly one dollar per thousand points. Nothing here is derived except the last column, which is the middle column divided by the one before it.

The Good Rewards page is the one worth reading twice. Having valued the prize at approximately $2,500, the very next sentence says points can only be used in exchange for rewards and have no other use or value, per the Terms of Service. Both statements are true in their own frame: prize law wants a dollar figure, and loyalty-program law wants points to be nothing you can sue over. A reader trying to work out what a receipt is worth is caught between them, and the answer is in the paragraph that had a regulator looking at it.

Fetch's blog says the same thing more loosely: roughly 1,000 points is about $1 in gift card value, and gift cards start at $3 to $5 across a catalog of 600-plus brands. So a receipt's 25 points is 2.5 cents. That figure is derived, and every input is above.

The guaranteed half, multiplied out

Now the sum, and everything in it is Fetch's published rate, Fetch's published cap and long division:

• 875 points a week — 35 receipts at 25 points, which is the most receipt snapping can pay. About 88 cents.
• 45,500 points a year — 875 times 52. That is $45.50, for five receipts a day, every day, for a year.
• 13,000 points a year — the same sum for someone snapping ten receipts a week, which is closer to a normal household. About $13.00.
• 120 receipts — what the advertised 3,000-point minimum costs at the base rate.

That last figure has a catch in it, and it is the most useful thing on this page for anyone deciding whether to start. Fetch's FAQ says 3,000 points redeems most rewards, and then adds that until you have redeemed a reward worth $10, $25 or $50, only those three denominations are available to you. The $3 and $5 rewards open up afterward.

So the real first threshold is 10,000 points, not 3,000, which is 400 receipts at the minimum rate. At Fetch's own cap of 35 a week that is about eleven and a half weeks of snapping five receipts a day. Nobody takes that route, because the offers exist. But it is the floor, and the floor is the only part of this app that can be worked out before installing it.

Fetch's own estimate, and why the published rate cannot reach it

In July 2026 Fetch's blog put a figure on a year for the first time we have seen. It is framed as an illustration rather than a promise, in a passage arguing that you should redeem regularly: if your points earn you a $5 to $10 gift card each month, that is $60 to $120 a year.

Set that against the arithmetic above. The maximum receipt snapping can produce is $45.50 a year, and that assumes five receipts a day for 365 days. The bottom of Fetch's own illustration is $60.

This is not a contradiction and we are not going to present it as one. Fetch says plainly that you earn a baseline on every receipt plus bonus points on featured brands. What the arithmetic does is size the gap: at least a quarter of the low end of Fetch's illustration, and around two thirds of the high end, has to come from somewhere other than the rate it publishes. That somewhere is the offers, and the offers are the part with no numbers on them.

The half that is personalized

Everything above the 25 points is priced inside the app, and several parts of it are priced per user. Fetch says so itself, in four places:

• Offers. The help center describes the Discover tab as offers personalized just for you, with new ones added every day, and the blog says each user has unique offers based on what you share and your buying history.
• Fetch Play. Every game has unique tasks personalized just for you. The article explaining how to earn points from games contains no rate at all, only that points arrive within 24 hours.
• PointPass. A newer feature of personalized challenges, currently available to a limited group of users, with a help article that answers the question “why do I have different challenges than my friends?” by saying the challenges are personalized.
• The terms. Not all rewards or offers are available to all users, and different rewards or offers may be available only to certain users.

None of that is hidden and none of it is unusual. It is worth naming because it is exactly the mechanism Mistplay's terms describe, arriving in an app whose reputation rests on being the simple one. Fetch is less far down that road: the base rate is flat and published, and nothing we read says the same action pays different users differently. But the layer that supplies most of the money is a layer nobody can quote you a rate for, including the people who write about it.

One rate does escape into public, and it is instructive. The Fetch Shop article explains that a mixed order is paid at a blended Points Per Dollar rate, then sets out the two halves of the blend: commissionable items earn “[X] Points Per Dollar” — a literal placeholder, in the published article — and non-commissionable items earn 1 point per dollar. That second figure is real and it is worth converting: one point per dollar is a tenth of a cent back on the dollar, or 0.1%. It is the floor of the shopping side, and it is the only Points Per Dollar number Fetch prints anywhere.

There is no cash, and the nearest thing costs $3

Every other page in this format eventually reaches a dollar. This one cannot, because Fetch has ruled it out permanently and says so in three separate clauses: users have no property rights in points; points have no cash, monetary or other value; points cannot be redeemed in whole or in part for cash. There is no threshold above which this changes.

The nearest thing is a Visa reward, which the help center says is the only reward with a physical card option, and the physical option carries a real fee. Visa charges a $3 shipping and handling fee, deducted from the card itself. The digital card is free of it. Because the fee is flat, it lands like Swagbucks' flat 30 SB surcharge: against the $10, $25 and $50 denominations Fetch names as the only ones available on a first redemption, $3 is 30%, 12% and 6% of the reward. We cannot tell you which denominations the Visa reward comes in, because that list is in the app.

Two clocks run on it as well. You have six months from the confirmation email to pick a physical or digital card and activate it, and seven months from getting the card to spend it. That is a shorter life than the gift cards Fetch correctly points out mostly do not expire.

Ninety days, and the notice that comes at sixty

The other thing that can happen to a balance is that it disappears. Fetch expires points after 90 days in which you neither earn nor redeem, and the terms add a detail the FAQ leaves out: the warning goes out after 60 days of inactivity, with 30 days' notice by email or text. Requesting to leave the program expires the balance immediately.

Ninety days is the shortest window of any large app in this category, and Receipt Hog's three months is the only thing close to it. It is disclosed, it is warned about, and one receipt a quarter defeats it entirely. The reason it belongs on a page about what an app pays is that a balance you lose pays nothing, and 10,000 points is eleven and a half weeks of work at the published rate.

The whole sum, side by side

Same rows as the other pages in this format, so all five compare. Every Fetch figure is published or derived from a published one, read on 31 August 2026.

The second row is the odd one. It is the only figure on this page that Fetch states nowhere a customer would look for it, and the only one it has stated three times in a row without varying.

What Fetch does better than we do

This section is on every page we write about a competitor, and Fetch fills it without much help from us.

• It publishes a per-action rate and we do not. Twenty-five points for any receipt, from any store, stated before you install. Our own Step and Earn page says a milestone lands every 500 steps and never says what a milestone pays. That is the same criticism, on our side of the table.
• There is no ceiling. Every other app in this format has one — Mistplay's $550 a year, Receipt Hog's 100 coins a week, Sweatcoin's 10,000 steps a day. Fetch caps how many receipts you can send and puts no limit at all on what an account can earn.
• The effort is retrospective. You already did the shopping, and the whole interaction is a photograph. Nothing we make pays for something you finished before opening the app.
• The reputation is the largest in the category. 4.85 stars across more than 7.5 million App Store ratings, which is not a sample anyone can manufacture, over a catalog of 600-plus brands.
• It is on Android, and it ships as a universal app. Three of our four are iPhone and iPad only, and two of those are iPhone-only in practice.

Five ways this question gets answered

Five of these pages in, the pattern has stopped being about individual apps. Which case you are in tells you what to do next, and Fetch adds one nobody would have predicted.

• Both halves published. Swagbucks. Read the same reward at every denomination and the answer is a number you can act on.
• The rate published, the price hidden. Sweatcoin. A ceiling to one decimal place and still no dollar figure.
• Neither published, and the rate is personal. Mistplay, whose terms say different users may be paid differently for identical actions.
• Both published for the capped part, neither for the rest. Receipt Hog, where the guaranteed half finishes at fifty cents a week.
• The price denied in the terms and stated in the prize rules. Fetch, and this page. The number exists, in public, in Fetch's own words, in the one document type where somebody outside the company decides whether a value has to be printed.

That fifth case is the one to carry to the next app, because it suggests where to look rather than what to conclude. When a company will not price its currency, read the documents it does not write for customers. Sweepstakes rules, prize disclosures and regulatory filings are written for somebody else, and they are where the number a marketing page rounds off tends to appear exactly.

One figure is published about the whole program, and it runs live on Fetch's rewards page: $2,032,073,253 given away in rewards when we read it on 31 August 2026. We are not going to divide it by the 12.5 million active users the FAQ claims, because the top of that fraction covers everyone who has ever used the app and the bottom counts only the people using it now. It is a real number and it is the largest one here. It is just not a number about you, which is true of almost every figure this category advertises.