CashFreely Review | $800+ Cash Back Credit Cards, Beginner App

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CashFreely is a free app that teaches you a simple and effective strategy to maximize your cash back credit cards.

Zac Hood, founder of CashFreely, started the app to teach beginner's how to earn the most cash back in the easiest way possible. When asked to describe the app, Zac says:

CashFreely is the simple, free app that teaches you to earn $1,500+ in cash back every year with regular monthly spending.

Zac Hood, CashFreely Founder

One of the most common questions I get is “which card should I get next?” The CashFreely app answers that question for you.

The algorithm looks at the current cards in your wallet, automatically applies the credit card application rules, and figures out how to maximize your cash back return on your spending.

Rather than focusing on the cash back cards that only offer $150 welcome bonuses, Zac explains how you can use “secret” cash back cards to earn the largest welcome bonuses that you can cash out for cold, hard cash.

What Are the CashFreely “Secret” Cash Back Cards?

The big innovation CashFreely is bringing to the cash back credit card scene is pulling back the curtain on the “secret” cash back cards that lots of sites don't talk about. You're probably wondering what these secret cards are.

These secret cash back cards are usually travel rewards cards that earn credit card points. You can cash out the points for cash, earning you an effective 10% or even 20% cash back on your everyday spending.

For example, Chase Ultimate Reward points earned on the Chase Sapphire Reserve® card can be cashed out for 1 cent = 1 Ultimate Reward point. So a 60,000 point welcome bonus after meeting minimum spend requirements can become $600 cash with a few clicks of your mouse.

Can credit card points be converted to cash?

Most of the major credit card reward points can be converted to cash. Points programs that include cash back are:

  • American Express Membership Rewards points 1.1 cents per point through the American Express Platinum Card® for Schwab
  • Chase Ultimate Rewards points can be cashed out at 1 cent per point
  • Citi ThankYou Points at 1 cent per point
  • Capital One Miles at 1 cent per point

If you earn 4 welcome bonuses a year, you could earn nearly enough to max out a Roth IRA contribution! This is a fantastic way to move the needle and add to your bottom line.

Zac says: “Think about this. Most sites are showing people cash back cards that offer $0 to $150 for a signup bonus offer. We show people multiple cards that can earn $600+ in signup bonuses! It’s even higher for small business owners. So why are people spending so much time earning an extra $30-40 each year when they can earn an extra $450 to $600 with 5 minutes of work?”

CashFreely Military and 2 Player Mode

The team behind CashFreely understands travel hacking and the fantastic military benefits available. You can activate military mode in the app or on the website.

Go to settings, preferences, and select “Are you or your spouse active military?” Hit save and now you'll activate military mode! This will reduce annual fees on cards that have waived annual fees for military and military spouses to $0.

Is CashFreely Safe?

The CashFreely app and website are safe. The CashFreely app does not store, collect, or transmit any of your banking details. This is a really great feature and reduces many of the security concerns with other apps.

You must add all of your accounts manually so there is no threat of losing any credit card data through a hack or loss.

Other benefits of the CashFreely app include:

  • The CashFreely app is 100% free (no credit card required)
  • You can receive personalized cash back credit card recommendations 
  • Get email reminders and notifications for bonus deadlines or annual fees
  • Beginner tools: Step-by-step guide for those new to optimizing cash back earning the easy way
  • Track all your cards (up to 2 users) in one place
  • Card Details: More stats, benefits and spending categories
  • Security: Never hand over your bank details or passwords in the app or website

How Does CashFreely Make Money?

Founder Zac Hood is very transparent with how CashFreely makes money. If you use the app or website to sign up for a new card, the business may be paid a commission from the credit card issuer.

If you signed up for a Chase Freedom Unlimited card, Chase may pay Zac for the referral. There's no cost to the you as the end user.

Zac is committed to finding the best deals for his customers and uses the best publicly available links, even if he doesn't earn a commission from that link.

Zac explains the best way to get the most cash back:

CashFreely is about maximizing value, which means signing up for the best cash back credit cards with great sign-up bonuses. Unless you spend tens of thousands each month, getting cards with sign-up bonuses will be your fastest route to piling up the cash back without much work. You simply put your regular monthly spending to work to earn those big bonuses. 

Zac Hood, Founder of

If you want an easy way to earn lots of cash back, keep track of your cards, and understand which card to open next, I highly recommend you download CashFreely today!

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