Want to earn rewards from your everyday spending with pretty much no effort at all?
Well, that’s kind of what the Pogo app has to offer.
With Pogo, you can earn rewards and savings on every purchase, automatically find more ways to save on your finances, and get paid for sharing more data.
Is the Pogo app legit though, or is it an app you should skip?
In today’s Pogo app review, I’ll cover how the app works, and whether or not it’s worth your time.
What will I learn?
What is the Pogo App?
Pogo is an app for Android and iOS devices that you can use to earn and save money.
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The app says that you can unlock the power of your data to earn and save on shopping, finances, and more. Pogo will give you points for shopping, taking surveys, and sharing your location data.
How Does the Pogo App Work?
Here’s how the Pogo app works:
The first step is to go ahead and get the Pogo app.
Here’s where you can get it:
The app is only available in the United States, and since you need to connect a credit card, then you’ll need to be old enough to have a credit card. So, basically you’ve got to be at least 18 years old to use Pogo.
It’s totally free to sign up, but you do need to link a bank account, which brings us to the next step.
Link your bank account
Once you have downloaded the app, you will need to link your bank account to the Pogo app. This is so that Pogo is able to track your transactions and begin paying you for your data.
Pogo links your bank account through a third-party platform called Plaid. Basically, Pogo uses Plaid for secure account linking.
Plaid has connections with hundreds of banks and is always adding new institutions and card connections. So, you should be able to find your bank or card to link it to Plaid.
However, there are smaller credit unions and local banks that may not be part of the network. If you’re not able to look up your bank, then Plaid does not currently have a connection with that card. Make sure you keep checking back to see if your bank has been added, as Plaid is always adding new institutions and card connections.
Some people are, understandably, worried about sharing their bank. But, Plaid is the same technology that’s used by other well-known and popular apps, such as Drop and Dosh. So, it’s pretty much an industry standard and is a legit company.
The thing with Pogo App is that you are basically making money by sharing your transaction data.
So, you will need to decide whether linking your card is worth it. If you want to earn rewards every time you shop, eat, or spend money in general, then the app may be worth your time.
Once you’ve downloaded the app and connected your bank, then you will be able to start earning points.
The Pogo App enables you to earn points in a variety of ways:
Once you’ve connected your bank account to Pogo, you can get paid to shop. Each time you shop, you’ll earn points. You don’t have to upload photos of your receipts, or manually enter transactions. You don’t really have to do anything at all! So, this is a passive income app!
Pogo will give you points every time you shop. And, this can be any purchase shown on your credit card transaction list. Just connect your card and you’ll earn money as long as the card is active and you’re making purchases.
You can expect to earn around 2 to 15 points per transaction. This is a totally passive way to earn rewards. And, unlike some reward apps that’ll only pay you if you shop at specific partners or buy specific products, Pogo allows you to earn points on every transaction regardless of where you shop or what you purchase. So, you don’t have to worry about uploading photos of your receipts.
Link your third-party accounts
Aside from connecting your bank account, you can also link any third-party accounts. This can earn you more money.
For each account you link, you’ll get 100 points upon linking it, and then 50 points for every transaction. Pogo enables you to link a bunch of third-party accounts for popular retailers like:
This is such an easy way to make more money using the Pogo app.
You can earn even more with the Pogo app by answering surveys. There are a lot of GPT sites that offer surveys too like Swagbucks because they offer an easy way to make some extra money.
What’s good about the surveys on Pogo is that they actually pay more than transactions. Pay can range from 20 points to more than 1,000 points per survey.
Many of the surveys are short too, taking only one question or a few minutes to complete, which is great if you’re busy. While surveys aren’t guaranteed, they do provide a good way to boost your points and cash out faster, if they’re available.
Scan your receipts
The Pogo app also has a receipt scanning feature. So, if you want to get paid for your receipts, you can. The app says that the receipt scanning feature is very new, and it is in the process of testing different points earnings. But, most users earn 5 points per receipt, but some users may earn more.
You can scan up to 25 receipts per week. You must scan receipts within 14 days of the purchase date reflected on the receipt.
What’s good about the receipt scanning feature is that you can still scan a receipt even if you’ve already earned points for it with your linked account. So, you can earn even more money from your purchases.
Lower your bills
Pogo also allows you to save money on your bills. Yes, you can use the app to lower your bills.
Basically, there’s a section on the app where you can compare your various monthly bills against prices from other providers to potentially find a cheaper quote. This can save you cash each month on things like insurance, utilities, and cell phone bills.
Get location rewards
You can also earn money with location rewards. Location rewards are brief ads that retailers and businesses choose to share with you when you’re physically nearby one of their locations. To make money with this feature, you will need to share your location with Pogo so that it can locate reward opportunities in your area.
It’s sort of like Shopkick, where the app basically pays you for visiting some of its partners. So, if you’re out shopping anyway, then this is a good way to maximize your rewards.
You can learn how to enroll in location rewards here.
Once you’ve started sharing your location, you’ll receive push notifications from Pogo alerting you to location reward opportunities in your area.
You can earn up to 1,000 points per month in location rewards.
Redeem your points for cash
Once you have earned 5,000 points, you can cash out your earnings. 5,000 points is equal to $5. You can cash out your earnings through PayPal or Venmo.
How Much Does Pogo Pay?
Here are the points you can earn on Pogo.
For purchases without linked retail accounts:
- <$10: 2 points
- $10-50: 4 points
- $50-100: 8 points
- $100+: 15 points
For purchases with linked retail accounts:
- $10-50: 20 points
- $50-100: 35 points
- $100+: 50 points
On Pogo, 1,000 points is equal to $1.
This means that you can earn anywhere from $0.002 to $0.015 for purchases without linked retail accounts.
And, you can earn $0.02 to $0.05 for purchases with linked retail accounts.
The amount of money you make with Pogo depends on how many purchases you make and how much you spend.
As I mentioned above, there are also other ways to earn money, such as taking surveys, sharing location data, and scanning receipts. These can all boost your earnings.
Is the Pogo App Legit?
Pogo is a legit app that pays you for shopping, taking surveys, and sharing data. It’s well-reviewed by customers online.
It has a 4.3-star rating from users on the App Store and a 4.6-star rating from users on the Google Play store.
Customers who use Pogo praise it for how easy it is to earn rewards, the fact that they don’t have to scan receipts to earn rewards, and how the option to take surveys to allows them to earn even more.
One user on the App Store says:
- “I’ve only just downloaded this app earlier this week, but I am a seasoned “rewards” app user. This app is extremely user-friendly and hands down one of the easiest rewards apps to use. All you have to do is connect your debit card(s) and bam you’re earning points, & earning points means you’re making free money.”
One user on the Google Play store praises the app, saying:
- “All you need to do is connect the credit/debit cards you use and voila, points are received once you open the app and click the transaction. Most days there is an option in the vicinity of your transactions that is a guaranteed, brief, few-question survey. There are additional surveys you may opt to fill out as well for additional points. It can be as easy and quick, or as time consuming as you wish.”
Pogo App Pros and Cons
In this section, we’ll cover the pros and cons of the Pogo app so that you can decide whether or not it’s for you.
Here are the pros of the Pogo app:
- Easy to earn with. Simply link your cards, spend as normal, and you’ll earn money.
- You don’t have to upload receipts to earn. Many apps that pay you to shop require you to upload photos of your receipts. Fetch Rewards and Ibotta for example, both require you to upload receipts to earn money. With the Pogo app, you do not have to upload any receipts. This is great because uploading receipts can be time consuming.
- You can boost your earnings with surveys. So, if you want to earn more money in addition to the cash you earn from your purchases, then you can just take some surveys.
- You can also earn by sharing your location data.
- You can cash out your points for cash through PayPal or Venmo.
- The cash-out threshold is low.
Here are the cons of the Pogo app:
- You have to be comfortable with selling and sharing your data. That’s not for everyone. So, if linking your cards and sharing your data doesn’t sound okay to you, then Pogo is likely not a good app for you.
- Low earning potential. While you only need $5 to cash out, that means you need to earn 5,000 points and most transactions pay just $0.002 to $0.05 which means the earning potential is pretty low.
Overall, Pogo App is a legit app that allows you to earn money passively just by spending money as you normally do.
The downsides to Pogo are that you have to share your transaction history and data, but if you don’t mind that, then the app is a great way to make money with little effort.
Another thing to mention is that you’re not going to get rich with Pogo since you only earn $0.002 to $0.05 for purchases. Sure, you can boost your income a bit with surveys, but those aren’t always available or you may not qualify for them.
Apps like Pogo aren’t designed to make you rich though. Instead, they just give you an easy way to earn a little extra cash. The Pogo app reviews from users are positive, which is a great sign. So, if you want to make money with little effort, then give the Pogo app a try.
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