Disclaimer: The statements made in this post are the opinion of the author. They should not be viewed as financial advice. Please consult with a financial specialist before making any financial decisions.
This post may contain affiliate links, meaning I’ll receive commission at no extra cost to you for your purchase.*
I love getting as much cash back as I can on my purchases because I’m a little cheap. There I said it. So every time a new cash back app pops up I want to check it out. POGO is the most recent cash back app to pop up and I’ve used it pretty regularly since then.
Let me start by saying that I am not paid by POGO to write this. My reviews of different apps are meant to help you decide if you want to use them or not. I won’t just make it sound good then try and sell you on an affiliate link.
But if you’re only here for the POGO referral code then here is your link or you can use my referral code DQN8J. I get a whopping $1 if you use that code, so let me restate that I am not doing this for the money.
With that said, let’s get into the POGO cash back reward app honest review.
How POGO Works
Unlike many other cash back rewards apps, POGO connects directly to your credit cards and rewards you for purchases you make with the touch of a button instead of uploaded receipts.
When you make a purchase the number of points awarded are automatically uploaded into your app dashboard. All you have to do is log into the app and click the claim button to get rewarded.
That might seem like an unimportant extra step, why not just give you the points automatically? Well the catch is that every so often you need to take a two to three question survey to get your points.
So by consistently having you return to the app they’re more likely to get you to take a survey.
Surveys are their main goal, so getting you back to the app is really important to them.
Your points are added up and once you reach the incredibly low threshold of $3 you can cash out your points directly onto Venmo or Paypal. No gift cards or gimmicks, just straight cash you can use.
The best part for me is that it consistently reminds me to claim points. Other apps don’t ever remind you and if you stay inactive long enough you start to lose points. So if you get forgetful about your cashback apps this apps is incredibly helpful.
How Does POGO Make Money?
Pogo is similar to all of the other cashback rewards programs in that they make money by selling information or data collected as part of your participation in their program.
First let me say that they don’t sell your personal information, and they don’t even sell your individual responses.
The information they sell is general or aggregate information. That means that your responses or shopping patterns are collected with a lot of other people’s responses and sold as an anonymous package.
This helps businesses get a better idea of consumers like you in an area, but not about you specifically.
The other way they make money is facilitating ads. They help direct ads to you that are relevant to you on different platforms. So based on you buying a lot of power tools you might get ads for tools on Facebook. Not that I have experience with that….
In these two ways they make money with the information that you provide through their platform.
POGO Rewards Points to Dollars
In this area Pogo is rather underwhelming. 1,000 points in equal to $1. That doesn’t sound bad until you realize that, in general, you spend between $3 and $10 to earn 1 point. There are ways to get more points, but that baseline is pretty low.
That means that you’d need to spend between $3,000 and $10,000 to get $1 back.
$10,000 spent to $1 reward is a 0.0001% return.
Now, there are ways to get more points. Right on the Pogo dashboard you can take surveys to get points. But keep in mind that any survey that gives only double digit points is paying you less than a dime for your time.
I occasionally do surveys, but only the ones that will give hundreds of points at a time. And that only when I have nothing else to do.
POGO: Is It Worth It?
With how little you actually make on each purchase it almost seems silly to have Pogo. I mean if I spent my entire teacher’s salary I could get back as little as $4 in an entire year.
On the other hand, that is extreme. Most purchases give more rewards that the worst case scenario I laid out. And the surveys for higher point values aren’t as long as many of the survey apps out there.
It also takes such minimal effort to press the button to accept the points that it is basically free money.
I literally spend 5 seconds on it once a week. Which comes out to making about $1 a minute if I made $4 a year. Not bad.
So really it depends on how committed you are to getting small amounts of cash back. If it is worth it to you to click on an app occasionally then great. If not, then don’t bother.
If you like doing surveys then Pogo is also for you.
POGO Vs Fetch Rewards
There are so many cash back rewards programs it would be impossible to compare POGO to them all. But I’ll compare it to Fetch Rewards since Fetch is my favorite of the cashback rewards apps.
1 Survey Focus
POGO is definitely more of a survey app than a pure cashback app. The cashback function is meant to get you into the app to take surveys. Fetch Rewards on the other hand is entirely cashback for purchases.
What this means is that to get cashback on purchases in any significant amount on POGO you have to take surveys too. On Fetch you just snap a picture of the receipt and call it good.
2 How Much Money You Make
While technically the 5-10 seconds a week I spend on POGO gives me a higher dollar per hour average ($30 – $60 an hour) the need to take surveys to really make any money worth making increases that time spent.
Fetch Rewards on the other hand comes in at around $24 an hour in time spent using it (around 15 seconds per receipt) versus money earned, and the amount of cash back you can get is much higher.
Using only the cashback function on POGO for a year will make me around $4. I have only seldomly used Fetch throughout this year and I have $10 of rewards saved up.
3 Ease of Use
Ease of use is where POGO shines. When someone asks about the best method for keeping a budget my answer is “what ever way you’ll actually do it”. That applies here.
POGO sends notification reminders that I need to accept their rewards whenever I’ve made a purchase. That means that I consistently accept my POGO rewards.
Fetch on the other hand only sends me reminders when my points are about to expire. So I often forget to upload my receipts. Since I’m not uploading receipts often I’m missing out on a lot of rewards.
Should I Use POGO or Fetch Rewards?
This really comes down to your personality. If you can get into the habit of consistently uploading receipts to Fetch then hands down that is a better use of your time because the rewards potential in actual dollars is higher. Fetch Rewards can make a dent in your purchasing while POGO is more just nice to have.
On the other hand, POGO is just easy. So if you can get lazy about it like I have then POGO is better because you actually get rewards. Reminders are important.
Fetch is more streamlined because the only thing you do is upload receipts. So if cashback on purchases is your focus then Fetch is better for you.
POGO on the other hand is a survey site. So if you want to take surveys and earn some pocket change in your spare time then use POGO, it is really good for that.
It really just comes down to your personality and what you will use and want to use to get cash back.
Can I Use Both POGO and Fetch Rewards?
The short answer is absolutely!
Each cash back rewards company is slightly different. They have different clients, make money in different ways, and are competing companies.
So if you want to use the same purchase to get cash back from POGO, Fetch Rewards, Ibotta, Receipt Hog and any other cash back app then go for it. This compounds your cash back and can be quite lucrative.
I would recommend using POGO for the reminder function because it can remind you to use all of your cash back apps. When POGO tells you to get cash back go for it, then remember to upload your receipts to Fetch Rewards for even more cash back. That would combine the best of both apps.
My Recommendation on POGO
Since POGO is really easy to use and it takes very little time I use it. I’m not getting rich off of it, but every little bit helps.
If I wasn’t reminded by the app to get in and claim the rewards I wouldn’t use it though. That is POGO’s redeeming quality.
If you can be more consistent with receipt upload without the app reminder then I do not recommend POGO since the payout is so little.
What is your favorite cash back rewards app? What other money related apps should I review? Tell me about it in the comments
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