Checkout 51 Review: How to Save Money on Your Next Grocery Trip
The list of cashback apps designed to save Canadians money is a long one. I’ve covered most of them right here on the site – Rakuten, Paymi, and Drop App, just to name a few. Another one you may or may not have heard of is Checkout 51.
Based in Toronto, Checkout 51 Canada was launched in 2012, expanding to the US in 2014. Today, they serve thousands of discount-oriented shoppers in both countries. Checkout 51 allows you to earn cashback on grocery store items without the use of coupons. In this Checkout 51 review, I’ll cover everything you need to know to help you decide if you want to become a Checkout 51 customer. Ready? Let’s get started!
How Checkout 51 Works: 5 Steps
Like most cashback apps, Checkout 51 is easy to use. Let’s take a look at how it works in 5 steps:
Step 1: Open An Account
To get started, you need to open an account by downloading the free Checkout 51 app from the App Store (iPhone) or Google Play (Android). Once you’ve downloaded and opened the app, it will ask you to create a User ID and password to open your account.
Step 2: Select Your Favourite Offers
Every Thursday, the app will populate with new offers. Take a look at what’s available and add your favourite offers to your grocery list.
Step 3: Redeem Your Offers
Once you’ve made your purchases in-store, tap “Redeem” to select the items on the app, and mark them on the receipt, so the Checkout 51 team can match them up.
Step 4: Upload the Receipt
Once you’ve highlighted the discounted grocery items on your receipt, take a picture directly from Checkout 51 (they have a built-in camera), to upload it into the app. Make sure your photo is clear and easy to read.
Step 5: Receive Your Cashback
As soon as the Checkout 51 team has approved your discounts, they will credit your account. You can request payment every time your balance hits $20.
Getting Paid with Checkout 51
Checkout 51 rewards you with cash in the form of a cheque sent in the mail within a week or two of you requesting it. As mentioned, you do need to accumulate $20 in earnings before you can receive a payout.
Unlike other cashback apps, Checkout 51 does not have a Paypal or direct deposit option for payment, but you are getting actual cash on the positive side. Some rewards programs only offer payment through gift cards.
Is Checkout 51 Legit?
Checkout 51 is a legitimate way to earn cashback on your grocery purchases. Many MapleMoney readers have been using it since it launched and have commented that it’s a great program. Also, having been around for almost a decade, I don’t think they’ll be going anywhere soon.
Checkout 51 FAQ
While Checkout 51 is pretty straightforward, here are some quick tips that should answer any questions you might have:
Who Is Eligible to Signup?
According to the Checkout 51 terms of service, offers are available to Canadian and US residents. You can only claim discounts on purchases in the country in which you are a member. For example, if you signed up in Canada, you cannot redeem purchases made while shopping at a store in the US and vice versa.
Can I Get Cashback on Multiple Items?
According to Checkout 51, you can claim some offers multiple times. If you tap on the offer in the app, you will see its claim limit.
When Can I Submit My Checkout 51 Offers?
As previously mentioned, new offers go live on Thursdays at 12 AM in each time zone and are good until the following Wednesday at 11:59 PM. You cannot upload a receipt once the offer has expired.
Does Checkout 51 Work with Online Purchases?
Yes! You can make purchases online and still claim your discounted offers. Furthermore, packing slips are accepted as long as they are itemized and display the item you are claiming.
Does My Receipt Need to Be Written In English?
No. At the moment, Checkout 51 accepts receipts in 3 languages: English, French, and Spanish, which covers the vast majority of retailers in Canada and the US. It’s unknown if they’ll add more languages in the future.
Can an Offer Disappear Before the Expiry Date?
Checkout 51 offers are available in limited quantities, so popular items could disappear from the app without notice if enough people claim the discount. For this reason, if you see an offer you like, don’t wait. Buy the item as soon as possible, and upload your receipt right after making your purchase.
Can You Have More than One Account per Household?
Checkout 51 members can have more than one account per household. It doesn’t matter who is out buying the groceries, both you and your spouse can earn cashback. The only restriction is that they only allow one account per smartphone. So you and your spouse could both take advantage of the weekly offers as long as you have your own mobile devices.
Checkout 51 Advantages
There’s a lot to like about Checkout 51. Here is a list of what I consider to be their best features:
Not Limited to Participating Stores
The Checkout 51 app is not store specific, so unlike other cashback apps, you are not limited to shopping at a list of participating partner stores. As long as the items you are claiming match the offers on the Checkout 51 app, you’re good to go.
Low Minimum Payout Threshold
With a minimum payout of $20, you should be able to get paid relatively quickly with Checkout 51, as long as you use the app on a regular basis. Because it’s grocery items you are buying, this should be easy to do.
Easy to Stack Rewards
Just because you’re uploading your receipt to Checkout 51 doesn’t mean you can’t take advantage of other discounts, coupons, or rewards programs. Checkout 51 will allow you to use coupons and take advantage of other price discounts. You can also upload the same receipt to other cashback apps, such as Caddle, as long as you have purchased items that are recognized by both programs.
Available for Online Purchases
It’s 2021, which means that even grocery purchases can be made online. Checkout 51 works for online shopping, as long as you have an itemized receipt or packing slip you can upload it to the app.
Look for Bonus Offers
Checkout 51 makes bonus offers available from time to time, so make sure you look for those when reviewing your offers. If you can take advantage of a bonus offer, you earn even more quickly.
Checkout 51 Drawbacks
I like using Checkout 51, but like any other fintech app, it’s not without its drawbacks. Having to upload your receipt into the app isn’t cumbersome, and if you ask me, it’s less work than having to find and clip coupons and take them with you when you shop. But apps like Drop remove all of the work by syncing to your debit or credit card and paying you cashback automatically.
When you get paid out with Checkout 51, you have to wait for a cheque in the mail. There is no option to have the funds transferred directly to your bank account or sent via PayPal. It’s not the worst thing in the world, but in 2021, it feels a bit old-school.
Stack Your Rewards with a Cash Back Credit Card
I alluded to this earlier, but if you use a cashback rewards credit card when buying your groceries, it’s a great way to multiply the rewards you get with Checkout 51. While there are many great rewards credit cards to choose from, the Tangerine Money-Back Credit Card is a great choice. Here are the key features:
Tangerine Money-Back Credit Card
This no annual fee cashback rewards card from one of Canada’s top digital banks lets you choose three personalized spending categories to earn 2% cashback. One of the eligible categories is grocery purchases. All other purchases earn 0.5%. It comes with purchase and extended warranty protection, and a standard purchase interest rate of 19.95%.
- 2% cashback on up to 3 personalized categories
- 0.5% cashback on all other purchases
- No annual fee
- Unlimited cashback rewards
- 19.95% interest
- Balance transfer interest rate of 1.95% for six months
- Purchase Assurance & Extended Warranty
Checkout 51 Review: Final Thoughts
Becoming a Checkout 51 customer will let you earn cashback on your next grocery shopping trip. And with the price of groceries these days, that’s a good thing. If you have experience with other rewards programs, like Rakuten, Caddle, or Drop, you’ll enjoy using Checkout 51. It’s a reputable company that has helped Canadians save thousands on groceries for almost ten years. As always, my main recommendation is to find ways to stack your rewards by using multiple cashback programs and a rewards credit card. If you don’t, you’re leaving money on the table.