Dosh Review: Read This Before Signing Up (Updated 2019)


Cash back apps are a great way to passively earn money. You’re going to shop anyways, right? You might as well get a little bit back while you do. Imagine if you would’ve gotten a few percents of every purchase you’ve made over the past couple of years. That could be a lot of money!

The cash you earn is nothing to scoff at, either. You could be paying off tuition faster, improving your credit, or just putting it into a savings account.

That’s why we created this Dosh review for you. It covers everything you need to know about the app, from how to use it to its advantages and legitimacy. Let’s get into it!

What is Dosh?

Dosh is a cash back money app. They are currently available for download on the Apple Store and Google Play, meaning they are usable on both Android and Apple.

It’s a set-and-forget model. You simply connect your credit card, shop as usual, and money will get deposited into your account.

How does Dosh work?

Dosh works in two different ways. The first of which is the standard cash back model. You attach your credit or debit card, do shopping as normal, and you’ll be awarded up to 10% in cash back. That is the highest amount we’ve seen during our reviews of money apps.

The second way you can earn with Dosh is through referrals. You are given a special link, which you’ll see later in our review that you can send to friends. If they sign up through your link, you will be awarded $5.

Follow along as we show you how to sign up for Dosh and do both of these things.

Signing up for Dosh

Getting started with Dosh couldn't be easier.  First go download the app for your android or IOS device.  I'm a fan of the iPhone, so I went the IOS route.

Dosh Sign Up

After you download the app you are prompted to create a profile.  Once done, you'll come to the home screen for the app.  This is where you can find cash back opportunities both locally and online.

You'll also be prompted to link your credit card, for which you'll receive a $5 bonus.  Nice!

Dosh Bonus

The reason they are asking you to add a credit card is so they can verify purchases that will earn you cash back.  It also lets them find cash back opportunities for you that you didn't even know about! Thanks for looking out!

Dosh Add New Card

You'll also want to sync Dosh with your Paypal or bank account.  This lets this seamlessly deposit money into your bank account once you want to cash in your earnings!

Dosh Add Account

Another cool way to earn money with Dosh is through their referral system.  For every one of your friends who signs up using your code, they'll pay you another $5.  

You can start to see how this can add up quick!

Dosh Refer a Friend

Who is Dosh for?

Dosh is a great app for students, those on a budget, and individuals that shop online frequently. You will be able to get money back for shopping that you were already going to do, anyway.

Is Dosh legit?

Dosh is trusted and has been featured on large publications, such as Fortune and Forbes.

Dosh Legit

However, it’s always recommended to do your research before using a money app like Dosh. You want to ensure that you’re not wasting your time, and most importantly that your information is in the right hands. 

Checking out the Dosh Better Business Bureau page shows they scored an impressive “A” rating and nearly 3 out of 5 stars for customer service.

Dosh BBB Review

We also took the liberty to analyze some Dosh reviews on HighYa. These often give insight into users experience with apps and websites. They scored 3 out 5 stars again, and there were some testimonials that stood out to us.

Dosh BBB Review

This user claims that while payouts were sometimes inconsistent, they always were paid out and mentioned a good point: you should be understanding of startups and these newer cash back apps. They still have some improvements to make, so they won’t be perfect. However, overall you can only gain by using their service.

Dosh BBB Review

Another user claims that they continued to receive an error any time that they added credit or prepaid card. Since they were unable to connect a card, this also meant that they were not able to receive the $5 welcome bonus.

Dosh is serious about security

They are also very serious about security. This is why their website and app is secured by a 256-bit encryption SSL. Don’t worry if that sounds like gibberish, it means that there’s an extra layer of security that data goes through to protect it from outside attackers.

Similarly, Dosh does not store any personal or banking information. You might think “Then how does the app track what I do?” and we’ll explain: credit card information is tokenized through Braintree, which is a PayPal service.

You can also rest assured that Dosh isn’t giving away or selling your data to other companies. Two-step and multi-factor authentication also keep your account safe. SSL certificate. Doesn’t worry if you don’t know what this means exactly -- just know that provides an extra layer of security between you and the website.

Dosh doesn’t store any of your personal or banking information, either. This is because they use Braintree, a PayPal service that handles transactions on their behalf.

Your personal information also isn’t given away or sold. In a time where data is a super sensitive topic, this gave us peace of mind during our review.

Multi-factor and two-step authentication ensures that no one will be accessing your account but you.

Dosh advantages

These are some of the main pros of Dosh that we found during our review.

  • Welcome bonus: You will receive an easy $5 for signing up and connecting a credit card. It doesn’t get any easier than that!
  • Refer a friend: Sending a friend your special link will credit $5 to your account. If you send your referral link across social media, you could be getting plenty of extra money.
  • High cash back amount: It’s not uncommon to see cashback apps reward 2% to 3% on every purchase. However, Dosh awards up to 10% cash back! This is the highest we’ve seen out of any of the money apps we’ve reviewed.

Dosh disadvantages

These are some of the Dosh cons we noticed while conducting our review of their app.

  • Country restricted: Unfortunately at this time, Dosh is only available for United States residents. You will not be able to see this app on the Apple or Google store if you’re from another country.
  • Slow customer service: Some of the most common complaints against Dosh were related to customer service. Don’t be surprised if you receive delayed responses when you contact them.
  • Not all cards can connect: Not every credit card is eligible to connect with Dosh, and prepaid cards are not able to at this time, either. You may sign up to find out that you can’t use the app based on what credit cards you own.

Other money making apps like Dosh

Wrapping up our Dosh review

Overall, our Dosh review found it to be one of the best cash back apps we’ve had the pleasure to try. They offer a high cash back percentage and offer a plethora of stores to shop from.

You will receive a $5 welcome bonus after registering and connecting a card, and the referral program makes earning extra money simple.

The app is available on both Android and Apple devices, so you won’t be restricted if you use only use one of them. However, you can only download the app if you’re in the United States, so many users won’t be eligible to begin.

You can download the app on iTunes here and from the Google Play store here.

About the Author

Hello, I'm Ryan Rollins. I've been passionate about personal finance and entrepreneurship for as long as I can remember. After earning my Bachelors of Science in Business and Marketing, I soon found myself at my first software start-up. That experience led to me earning my MBA in Entrepreneurship from the University of Louisville, and eventually to a career in the fintech industry focusing on educating consumers about the importance of being financially resilient. Learn more about me here, and you can also follow me on twitter @TMPF_Ryan and Linkedin.