Is Dosh a Scam? My Honest Dosh App Review [2019]

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Welcome to my Dosh app review!

Dosh is a very popular app these days, and there are a lot of people making decent money with it. So, I downloaded it myself to see what all the hype was about. Let’s dive in!

  • Update 1 (2/5/19): You can now link your Venmo account to Dosh!
  • Update 2 (7/8/19): Hotels are back on Dosh! Now users can save up to several hundred dollars per night through the app.
  • Update 3 (8/13/19): From now until 8/26, you will get $15 for each referral who links a card.

Dosh App Review

Dosh App login page

Dosh is the latest cash back app to dominate the app stores (it’s available for both Android and iOS), and it’s easy to see why. Unlike most other cash back apps, you don’t need to scan receipts or do any “work”. You simply connect your credit card to Dosh, and automatically get cash back whenever you make a qualifying purchase.

Is Dosh Safe or a Scam?

Since you have to link a card, it’s especially good to be concerned about privacy.

Dosh is perfectly safe to use. Dosh cannot even store your credit card information since all data is securely tokenized and vaulted using Braintree, a PayPal service.

The Dosh app is also secured with 256-bit SSL encryption, meaning your data is safe from hackers.

Dosh has an A rating from the Better Business Bureau (BBB), and works with companies such as Walmart, Forever 21, and Pizza Hut.

I think it’s safe to say that Dosh is safe.

How Does Dosh Work?

If you do any kind of shopping, you probably know there are ways to get a small percentage of cash back on your purchases by using coupons, discount codes, and cash back apps.

The problem with these conventional methods that deters most people is the work involved. The regular run-of-the-mill coupons for like 1-5% cash back can be too much of a hassle to even bother with.

And that’s where Dosh comes in.

Dosh is essentially a “set it and forget it” application. All you have to do is sign up, link your card, and then whenever you use that card you get cash back automatically. No digging around for coupons, no scanning receipts, no hassle.

Once Dosh is installed on your phone and your first card is linked, Dosh shows a list of “offers” – nearby businesses that are partnered with Dosh. Next to each listing is the cash back percentage they offer.

If you live out in the sticks like I do, there probably won’t be many nearby offers available. If you’re in a decent-sized city however, you should have tons of options.

There are also tons of online offers available, including huge names like Walmart, Target, and Nike. So if you do a lot of shopping online, this would be a great way to cut down on some costs.

Dosh stores
Some of the stores that work with Dosh

Once you’ve accrued at least $25 (doesn’t take long), you can cash out immediately.

Another thing that sets Dosh apart is the huge earning potential. You’ll see why soon.

How to Make Money with Dosh

Dosh referral earnings

Dosh is good for more than just cash back from stores. There are other ways to earn money with Dosh, which can be very lucrative.

Link a card for a free $1

When you link your first card, you will immediately get $1 for free. If you use more than one card, you will want to link the others in order to get cash back for purchases you make with them. Each additional card you link will earn you an extra $1 for free.

Refer your friends to Dosh

In the Dosh app, you’ll see a menu item called “Refer”. When you click this, it will display your unique referral link/code. You can send this to friends and family through SMS, email, and social media, or you can manually copy and paste it wherever you want.

When people click your link or enter your referral code, download Dosh, and link a card, you will get a referral bonus – in other words, free money!

The referral bonus is currently $15. Normally, the referral bonus is $5. But Dosh is running a special $15 referral promo that lasts until August 26th.

The income potential here is quite high. Let’s say you send the link to 100 people. Even if only 20 of them sign up and link a card, you’ll earn $300!

If a referral books a hotel through Dosh, you will earn a $25 bonus.

Dosh Earnings

The above screenshot shows my earnings, most of which come from referrals.

Join Dosh here and start referring your friends. Enter code IANH1

Book hotels through the Dosh app

If you are planning a trip somewhere, you can use the Dosh app to save money on hotel stays. In the app, click the “Hotels” menu item. From there, you will see a list of popular hotels and the average cash back per night you can get using Dosh.

Most show savings of $40-50/night, but some (the more expensive ones) offer over $200 back per night! You can only get these savings using Dosh.

How Does Dosh Pay?

Once your Dosh balance reaches $25, you can cash out by Direct Deposit, PayPal, or Venmo. Usually the funds take several business days to transfer, but sometimes all it takes is a few minutes.

UPDATE 12/16/18: Starting now, you have to get cash back from a Dosh merchant at least once before you can cash out, even if you’ve hit the $25 minimum. Thankfully, there are tons of offers available on the app now that this requirement shouldn’t be too cumbersome.

The below screenshots show me cashing out $50 from Dosh. As you can see, the funds transferred in a minute.

Dosh $50 payment
Cashing out $50…
Dosh payment proof
Dosh payment proof! The funds transferred immediately.

Dosh App Complaints

Not getting cashback for online purchases

According to this article, it takes about 90 days to receive cashback for online purchases. But what’s worrisome is that some users reported that after making an online purchase, it did not show up on their Activity page in the Dosh app.

Nearby offers are few and far between

Even if you reside in a well-populated area, don’t expect loads of nearby offers.

Update (12/17/18): Dosh has partnered with Chevron and Texaco, so now you can get 3% cashback for gasoline. You can also get 1% cash back from Exxon/Mobil. This also means that nearby offers are a lot more ubiquitous, as most people have an Exxon/Mobil gas station nearby.

Linking a credit/debit card

The fact that you have to link your card to Dosh is enough for a lot of people to refuse to use it. However, Dosh makes it clear that they don’t store your password, credit/debit card data, or bank account information on the app or on their servers. Dosh uses bank-level, encrypted security, and all transactions made using Dosh are encrypted.

However, if you’re still uncomfortable linking your card, there are plenty of other ways to make money online. Here’s my top recommendation.

Slow customer service

Because Dosh is growing like crazy, apparently they get a lot of support tickets, and it can be difficult for them to get back to you in a timely manner. Generally, you can expect a response within several business days.

Is Dosh a Scam? Final Thoughts….

With millions of downloads and a 4.6 star rating on the Google Play store, Dosh is definitely a legitimate and safe cash back app. Dosh is working hard to address any issues with the app and is improving all the time.

I downloaded Dosh, linked a card, and have cashed out numerous times and have had no trouble. It’s by far the best cash back app I know of, and the referral bonuses are crazy high!

I highly recommend Dosh – it provides a great way to earn a little extra income, just by living life like normal.

If you download Dosh with my link below, you will get a free $1 bonus after linking a card!

If you are interested in other ways to get cashback for your purchases, definitely look into IbottaEbatesand Paribus. All are highly recommended.

Thanks for reading my Dosh review! Have you ever used Dosh? What do you think of it? Feel free to leave a comment below, and if you have any questions, I’d love to help out!

Dosh pin

60 thoughts on “Is Dosh a Scam? My Honest Dosh App Review [2019]”

  1. After reading about this ‘Dosh App’ on this page, etc..I, just now, downloaded the app on my cell {and yes, used your link/code..}..I then opened the app on my cell & ‘Joined’..Then, I went to Link 1 of my cards and got an Error page..?? I’ve been, repeatedly, exiting and No Avail..this app is Not letting me even Add a credit card and then states, when you are exiting the app, that the app will not work/pay without a Linked card..?? Any ideas/suggestions would be appreciated..Thank You!!
    Have a Blessed Day to All!!

  2. I use my Discover card for most transactions. I downloaded then quickly deleted the app after discovering that they don’t connect with Discover cards.

  3. Hi, I’m thinking about joining DOSH, but I’m looking to find a complete list of businesses (especially Nationwide businesses like Walmart) that participate in the program. I have searched online with no luck, so I’m reaching out to you, in hopes that you can help me. I would like the names, and what cash back percentage they offer. I hope you can help. Thanks in advance! Have a great day!

    • I do not think a complete list exists (I have looked extensively as well). But on their homepage, there is a scrolling list and if you hover over the company logo it tells you the cashback percentage. There is also a list of available merchants within the app itself, but the offline offers change based on your location.

  4. Wait, so I just recently signed up to DOSH, and it comes up as a dollar sign in cash. Reading through comments, it’s only for Americans, meaning British people won’t get money? I’m British, and the money comes up as dollars, so is there a point in me continuing to the site, or no? because the comments say it works in ‘America’ only?


    • That’s an interesting question…I did not even know it was available outside the US. I suppose you will find out once you try withdrawing your earnings. Let us know how it works out!

  5. I have contacted Dosh numerous times about cashback that was not put in my account. I have received emails asking me to send them receipts so they could manually apply my cashback I sent them in twice and I am still waiting. Terrible app very few places and terrible customer service.

  6. Dosh is actually a decent and legit way to make money on the side the hardest part is just getting people to believe how easy it really is to do

  7. This is also where they “get you.” Do you see the fine print at the bottom of the Walmart ad in the app? Well it says at “participating stores only.” No word on which ones do either. So good luck finding a Walmart that will give you cash back in Dosh. I’ve tried at least 8 different ones around me.

  8. Do you have to make online purchases through the app to get cash back? Or will it recognize your debit card if you purchase through a website?

  9. I have referred several people. 6 signed up and linked their cards. I immediately received $10 for each of them. I have several that signed up but never linked their cards so they are pending and no reward. $20 has already been transferred to my checking account. It took about 3 business days from transfer date to being available. I have not made any purchases yet. I love the referral program.

  10. I used this app twice on yesterday at Walmart which is in the DOSH app and I have yet to receive my cash back and it also doesn’t show in activity I feel really cheated . After making a purchase , how long does it take for you to receive cash back and for it to show in your activity log ?????

  11. Has anyone had trouble logging into their account due to your phone number changing? I recently changed my number and didn’t update it in the app and when I login it doesnt give me the option to login in with email. I have also tried to contact them twice with no reply.

  12. I referred 4 people and hit transfer to my bank account and still haven’t received any money. I think this is a scam. Super disappointing

  13. It is stating on my pending referrals that one of them is pending cash back transaction and it is only saying that for that one referral? Not the other one I just received the money from. Why would it require her to make a in store transaction but the other referral I had it did not require her to do that in order for me to get my money?

    • It could depend on the circumstances. Several months back, you only got money from referrals if they made a purchase. So if you referred her during that time period, the only way to get the referral bonus is for her to make an in-store transaction.

      Otherwise, the only other feasible explanation would be that Dosh can’t verify the card she linked until a purchase is made with it. Who knows if this is the case, just a guess.

  14. Not accurate! I have referred 3 people over the past week and I have verified with all three that they have not only linked a card, but have used in to get cash back already. Yet I still haven’t received any referral compensation. They all three still show as “pending cash back transaction.” Their advertisement clearly states that the newly referred user only needs to link a card, not make a transation. I’m beginning to believe Dosh is a scam and has some underlying purpose.

    • That doesn’t sound right. I can verify that I am receiving the bonus after referrals link a card; I would get in touch with Dosh directly about this. Something must be amiss with your account.

      • Well, it’s right. I’ve only had a couple referrals work upon card linking. The rest, a no-go. It’s pretty clear to me that they are not following through. It clearly states bonus awarded upon referral card linking. It does not say pending cash back transaction, which I noticed in your article above you having the same issue before. So, I don’t think it is far fetched to believe that Dosh just doesn’t want to distribute bonuses to existing users as long as they get new users. Oh, and I’ve had a ticket open for days with them reporting this. Of course, no response. I’m sorry, but I call scam on this one!

        • That really is disappointing! I’ve never had any issues like that, so I’m not sure there’s anything I can do to help. I wouldn’t give up though – I had a ticket open with them for over a week before they got back to me, so you might still get this resolved. Hope it works out!!

          • Very dissapoiting indeed, but no worries. Thank you for the hope, but I’m moving on. Too many other good apps out there. I’m not wasting time on one that doesn’t care for it’s users and has some questionable business practices.

  15. I have been using dosh since the beginning of summer and was able to quickly earn $16 from exxon alone but then they took away exxon, for a month I waited and was so happy exxon came back but as I go there almost daily I noticed I received credit for my first transaction, but each day used after I have no received my 3% back.. my account is stuck at $17.. at this rate I’m just pissed, never received a referral credit after I know and watched 3 ppl use my referral link and link their own cards, I doubt I’ll ever get to $25 min to redeem, sucks

    • I had to wait quite awhile too for the Exxon offer to credit. I wouldn’t give up yet. As for your referrals, I’m not sure what’s going on there…If you go into the app and look at “Pending Referrals” on the Refer page, is there a notice that says “Pending cash back transaction”? Sometimes even with a linked card, Dosh can’t verify it’s legit and therefore only gives the bonus once a purchase is made with it.

  16. An excerpt from today’s email when I inquired about why I haven’r been receiving my Mobil Cash Back:

    the Exxon Mobil offer has been discontinued as of 08/04/18. We hope to have the Exxon Mobil offer in our feed again sometime in the near future.

  17. I am sure this will be deleted, but the same question was asked of Solavei when Ryan Wuerch and his sister started up that company, collected millions from their WFH types, and then went belly up after raking in tons of cash. Now they’ve got DOSH, and is it safe people ask? That depends if you trust the Wuerches. People said the same thing before Solavei was big, and of course everyone at Solavei was told to hush the rumors and say they weren’t true. Then 3 years later it all came true, and boom, now they’ve got a new deal to collect your money from. If you honestly believe this propaganda, then you deserve to lose your money to them.

    • Hello,

      There’s a big difference between Solavei and Dosh besides the fact that their business models are unrelated. Big enough that I’m not at all concerned (but we’ll see what happens, I guess!)

      With Solavei, people had to pay for the service. But with Dosh, it’s 100% free. Solavei was described as borderline MLM, whereas Dosh simply has a single-level referral program.

      Interpret it as you like, but it’s clear to me Dosh is very different from Solavei and as far as I’m aware, does not pose a risk to users.

      Is there anything about Dosh specifically that gives you pause besides the fact it was founded by Ryan Wuerch?

  18. I’m trying to delete my account but I’m not able to, do you know how to do that?….I also tried to contact their support team to help me with the issue but the link always takes me to FAQs, is there a way around this?

  19. How do I get the hotel credit? Do I need to “activate” an offer? Or can I go on, for instance, Marriotts website and book a hotel and the cash will automatically be credited to my account?

  20. Dish is not letting any one of my friends and family to created an account. It says, “The Number must be an American Number”… What does that mean? This sucks..

  21. This app is horrible I use the stores in the app and I have yet to receive my cash back and it’s been over 90 days it also doesn’t show in activity I feel really cheated and it’s ridiculous

  22. I’ve used Dish a lot, and was happy to see the bump up to 8% at Sams this weekend, BUT, when I went to check out, I couldn’t do it as credit! I always do so I can get the normally 2%. It made me check out as debit, so no cash back!! Very annoyed!

  23. Another thing to think about – what if you want to stop using it?

    I deleted the app a month ago and confirmed with Dosh several times that they had deleted my account were no longer tracking my credit card. Then today I got an email from Dosh that I’d earned credit for a purchase – that I made today.

    I would not recommend using Dosh if you don’t want them to track your credit card forever, without your consent.

    • Hi Beth,

      That’s disturbing…thanks for reporting that! It should be an easy fix on Dosh’s part, I would think? But nonetheless, did you contact Dosh about this specifically? I linked to their contact page in a reply to a comment above.

      Hope this gets sorted out!

  24. What I have to say is ever since I’ve had Dosh I haven’t collected one penny. I use it according to the directions at eligible restaurants and locations on very numerous occasions. I can’t even contact them because they have no contact information. Needless to say I’m not satisfied

  25. Dosh is the worst app ever. $25.00 is a high threshold to reach. Terrible Terrible. I had my friend sign up and there are no places available in her area and she lives by B-more.

    • Hi Mer,

      I agree that there seems to be too few places available, but Dosh is still a great way to get cash back for shopping online or staying at a hotel.

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