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Put two or three platforms side by side

Pick the ones you are actually choosing between. The same questions get asked of each, the answers come off the company's own pages, and every figure carries the day we read it.

Places that pay youThings you build on

Ten questions about whether the money reaches you, asked of each one.

Set your country and every row that publishes a country rule gets marked with whether it accepts you. Nothing is removed and nothing moves.

3 PLATFORMS · 10 QUESTIONS · 6 ANSWERED BY ALL · 1 WHERE ONE STAYS SILENT

This is the starting set. Change any of the three boxes above to compare what you are actually choosing between.

Ibotta
Fetch
Freecash

Can you even be here

Where you can sign upIs my country on the list at all?
IbottaWhere it worksUnited States and Puerto Rico onlysource · checked 2026-09-06 · read the page
FetchUnited States onlyUnited States only; the service is not offered to residents outside the US.source · checked 2026-09-07
FreecashWe have not checked this one yet
Where you can be paidTwo lists, and they are not always the same one.
IbottaUnited States onlyUnited States only. A withdrawal needs a verified phone number, and a number based outside the US cannot be verified.source · checked 2026-09-07
FetchWe have not checked this one yet
FreecashCountries on the PayPal cashout list124, page last updated 28 May 2025source · checked 2026-09-06 · read the page
Minimum ageHow old do I have to be, and is it higher for some offers?
IbottaMinimum age18, and 21 for offers on alcoholsource · checked 2026-09-06 · read the page
Fetch18 for Fetch PayNo figure for a basic account, only the age of majority; the Fetch Pay debit card requires 18.source · checked 2026-09-07
FreecashMinimum age in the Terms16 years, one account per person and per householdsource · checked 2026-09-06 · read the page

Getting the money out

What you are paid inCash, or something that is only spendable in one place?2 of 3 publish this
IbottaBank, PayPal or gift cardsBank transfer, PayPal or digital gift cards. Cash is paid directly, so there is no points currency and no gift-card-only lock-in.source · checked 2026-09-07
FetchFetch cash value of pointsNone. The Terms say points cannot be redeemed in whole or in part for cashsource · checked 2026-09-06 · read the page
FreecashDoes not publish thisNot published; the cashout page uses coin language but gives no ratesource · checked 2026-09-06 · read the page
Ways to get paidIf the one method fails, is there a second one?
IbottaBank payoutLinked through Plaid, up to 5 business dayssource · checked 2026-09-06 · read the page
FetchGift cards onlyGift cards only - no PayPal, bank transfer or cash; points can also go to sweepstakes entries or charity donations.source · checked 2026-09-07
FreecashWe have not checked this one yet
Minimum payoutHow much must pile up before they let go of it?
IbottaMinimum withdrawal$20.00source · checked 2026-09-06 · read the page
FetchMinimum to redeem most rewards3,000 points, about $3 at Fetch's own approximate ratesource · checked 2026-09-06 · read the page
FreecashMinimum first withdrawal$5 to $20 by region in the help centresource · checked 2026-09-06 · read the page
Fee taken out of the payoutWhat is deducted that the payout page does not mention?
IbottaWithdrawal feeNone published for bank, PayPal or gift cardsource · checked 2026-09-06 · read the page
FetchVisa physical card fee$3 shipping and handling, deducted from the card itselfsource · checked 2026-09-06 · read the page
FreecashPayPal withdrawal fee5% of the withdrawal, applied to every amountsource · checked 2026-09-06 · read the page
Time from earning to money in handThe whole chain, not the speed they advertise for the last step.
IbottaPayPal payoutWithin 2 hours, 1 to 3 business days at peak, mobile app onlysource · checked 2026-09-06 · read the page
FetchRedemption processingUp to 72 hourssource · checked 2026-09-06 · read the page
FreecashStated payout speedMost within 30 minutes, bank transfers up to 3 business dayssource · checked 2026-09-06 · read the page

Keeping what you earned

How a balance can be lostDoes it expire, get charged rent, or vanish if I go quiet?
IbottaAccount maintenance fee$3.99 a month, or the balance if it is smaller, after 180 days without qualifying activitysource · checked 2026-09-06 · read the page
FetchPoint expiryAfter 90 consecutive days of account inactivitysource · checked 2026-09-06 · read the page
FreecashHow a balance can be lostAccounts not logged into for one year may be closed, and any remaining rewards, balances or cashback claims expire on closure.source · checked 2026-09-07

Who is on the hook

Who is legally on the hookWhich company, and does it publish anything about whether it can pay?
IbottaOperating companyIbotta, Inc., 1400 16th Street, Suite 600, Denver, Colorado 80202, SEC CIK 1538379source · checked 2026-09-06 · read the page
FetchOperating companyFetch Rewards, LLC., 1050 E. Washington Ave., 2nd Floor, Madison, WI 53703source · checked 2026-09-06 · read the page
FreecashOperating companyAlmedia GmbH, Koppenstr. 8, 10243 Berlin, Germanysource · checked 2026-09-06 · read the page

There is no winner at the bottom of this table

Nothing here gets added up. A score would have to decide that these questions weigh the same for everyone, and they do not. A lower cash-out bar is better if you need the money this month and worse if it arrives as a gift card you cannot spend on rent. One payout method is fine right up until it is the one that does not work where you live.

The rows worth your attention are usually the ones where the columns disagree about whether to answer at all. A platform that publishes its fee and a platform that does not are not two platforms with different fees. One of them has told you, and you can hold them to it.

Rows marked as not checked are about us, not about them. They mean nobody here has gone looking yet, and they stay visible for that reason. Found a figure that has moved? Tell us, and it gets a new source and a new date rather than a quiet edit.

ALL PLATFORMS