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The average American household spends thousands of dollars annually on groceries, watching a massive chunk of their hard-earned income disappear at the checkout register. If you are tired of watching grocery prices creep upward every single week, finding an honest Ibotta coupon code $20 off can quietly return real money straight back into your wallet. We all want to stretch our budget further without spending hours cutting paper coupons or tracking down complex discount codes that expire before we can even use them.
That is exactly why smart shoppers are using the new member referral code STGKURO to claim a verified welcome reward when setting up their accounts. New US users who sign up with this specific code unlock the welcome bonus after they complete their very first qualifying cashback offer redemption inside the app. It is a quick, straightforward way to build up a cash balance right from the start, helping you offset the cost of your everyday grocery runs.
Many people search the internet for terms like Ibotta coupon $20 off or Ibotta $5 off coupon code hoping for an instant markdown on their grocery receipt at the register. It is important to realize that Ibotta does not function as a standard coupon program that takes money off your bill while you are standing in the checkout line. Instead, it is a dedicated cashback rewards platform that deposits real money into your account balance after you buy participating items and scan your receipt.
How Does The Ibotta $20 Off Bonus Actually Work?
The Ibotta $20 bonus is a sign-up reward credited to a new user's Ibotta account after they enter code STGKURO at registration and complete their first qualifying cashback offer. This means you will not see a discount applied to your receipt at the store, but you will see the funds post directly into your secure in-app balance.
To get started, you simply download the official app onto your mobile device and create a new, verified account based in the United States. During that quick setup process, make sure to enter the referral code STGKURO in the designated promotional field to tie the welcome reward to your new profile. From there, you just browse the extensive list of participating grocery stores, supermarkets, and big-box retailers to add cash-earning offers to your digital list before you go shopping.
Once you finish buying those items at the store, you take a quick photo of your printed receipt using your phone's camera within the app. If you prefer a completely automated experience, you can also link your favorite store loyalty cards ahead of time so your purchases track without any manual scanning. When you look up an Ibotta coupon code $20 off first-time user or look for Ibotta coupon codes $5 off, you are setting off a process that lets you accumulate real earnings that can be withdrawn via PayPal, Venmo, or digital gift cards once you hit the standard cash-out minimum.
Is The Ibotta $20 Off Bonus With Code STGKURO Legit?
Yes, the $20 welcome bonus is completely legitimate because Ibotta is a highly rated, established cashback platform with a verified history of paying out billions of dollars to millions of American shoppers. We know the rewards space is full of misleading online claims, but this platform works directly with major US consumer brands and grocery chains to fund these rewards.
The referral code STGKURO is an active, verified code that is currently delivering the $20 welcome bonus directly to eligible new accounts under Ibotta's standard promotional terms. You must remember that this sign-up reward is never credited instantly just for typing in the letters; you have to complete your first qualifying product redemption to trigger the payout. It is also worth noting that because this is an active marketing promotion, the exact welcome bonus amounts are always set by Ibotta and can be adjusted or updated over time based on their current acquisition campaigns.
Be aware of online sites claiming this code works anywhere globally or that the specific promotional value will remain identical forever without any deadlines. Ibotta is strictly a US-based platform, meaning you must be located in the United States and use a valid domestic ZIP code to participate. The program rules are transparent, and as long as you follow the clear activation steps, your introductory earnings will arrive safely in your profile.
Ibotta Coupon $20 Off Explained: What The Referral Bonus Actually Includes
When people search online for an Ibotta coupon $20 off, they are usually using popular internet shorthand because they want to save money on their upcoming grocery trip. It is crucial to understand that this reward is actually a $20 cashback credit deposited into your personal Ibotta balance, rather than a point-of-sale voucher that lowers your total due at the cash register.
Searching for a $20 off Ibotta coupon will lead you to this exact sign-up promotion, which acts as a helpful booster for your overall savings. You still pay the normal retail price at the store counter, but you get that chunk of cash back in your account right after your receipt is processed.
When people talk about qualifying their "first order" for this promotion, they are referring to the very first time you redeem a brand offer inside the app. This trigger is usually met by scanning a physical receipt containing a participating item or by completing a purchase through a linked store loyalty card at a partner retailer.
To ensure your first submission triggers the welcome reward, you need to pay close attention to the rules listed on the specific product offer you choose. Make sure the brand, size, and quantity match the app description exactly, and verify that you bought it at an approved store during the active promotion window.
Ibotta Promo Code $20 Off For New Users In 2026
Entering the code STGKURO gives new US users an immediate financial advantage by jumpstarting their account balance with a $20 welcome reward. Beyond that initial signup boost, creating an account opens up access to hundreds of daily cashback offers at major supermarkets, wholesale clubs, pharmacies, and online retailers.
This means you can keep racking up steady savings on the everyday items you were already planning to buy anyway, from fresh produce and milk to household cleaners and pet food. The platform updates its featured brands constantly, giving you new ways to accumulate rewards every single week.
Step-By-Step — How To Redeem The Ibotta Coupon $20 Off For New Customers
Ibotta Coupon $20 Off For Existing Customers: What's Realistic
If you already have an active account, it is important to be completely realistic about how the platform structures its marketing promotions. The $20 sign-up bonus is explicitly reserved for brand-new accounts creating a profile for the first time, meaning existing members cannot reuse a signup code on an old account.
However, current users have plenty of alternative ways to bring in serious cash by checking the in-app Bonuses tab, participating in team challenges, and sharing their own referral links with family members. When you invite a friend who sets up a new profile and redeems their first offer, you get a solid referral bonus deposited straight into your own account.
You might occasionally see people searching for an Ibotta coupon $20 off for existing customers free shipping on various bargain forums. It is vital to remember that Ibotta is a cashback rewards platform rather than an online retail store, so it never handles product distribution or shipping logistics.
Instead of searching for non-existent shipping deals, smart shoppers maximize their regular balances by stacking Ibotta offers with paper manufacturer coupons and store loyalty rewards at the register. Keeping an eye out for legitimate Ibotta $20 coupon codes for existing users usually means looking for high-value milestone bonuses that populate inside your app during major holiday weekends.
How To Use The Ibotta Coupon Code $20 Off For Existing Customers
How To Earn Ibotta $20 Coupons As A New Customer
New US customers earn the $20 Ibotta bonus by signing up with code STGKURO and redeeming their first qualifying cashback offer within the redemption window. The process is designed to be user-friendly so that anyone can complete it without needing advanced technical skills or deep couponing experience.
Once you finish your initial registration with the code, you just need to find a single product offer that fits into your regular weekly meal plan. After you buy that item and scan the receipt, the system automatically verifies the purchase and updates your profile balance.
Building a consistent routine is the real secret to maximizing your rewards long after that introductory payout lands in your account. You can keep your momentum going by taking a few seconds to review the app before heading out to the supermarket each week.
Mapping out your shopping list around high-value brand offers allows you to accumulate rewards rapidly. People who hunt for an Ibotta coupon code $20 off or a $5 off Ibotta coupon code online quickly discover that the real value comes from making the app a permanent part of their shopping routine.
Advantages Of Using The Ibotta Coupon $20 Off
Ibotta $20 Discount Code: Bonus Stack For New And Existing Customers
User Type
Primary Earning Method
Additional Stack Opportunities
Code EligibilityNew Users
Welcome Bonus Credit
Brand Offers & Store Loyalty Cards
Eligible for code STGKURO
Existing Users
In-App Milestone Bonuses
Referral Rewards & Manufacturer Coupons
Internal App Challenges Only
New users can lock in their introductory credit by applying the code STGKURO right at signup and completing their very first product scan. This gives you a great head start, which you can immediately multiply by stacking ordinary product offers on top of that initial welcome reward.
Existing users can build their own versions of a bonus stack by focusing heavily on the specialized challenges highlighted on their home screens every week. Whether you are aiming for a seasonal holiday bonus or using an Ibotta $20 off coupon code framework to guide your referral efforts, the app provides a reliable path to continuous savings.
Learning to combine multiple promotions at the same time is the best way to extract the highest possible value out of a $20 off Ibotta coupon code search. It turns every single trip to the grocery store into an opportunity to collect multiple layers of rewards on the exact same receipt.
Pros And Cons Of Using The Ibotta Coupon Code $20 Off This Month
Pros
Terms And Conditions Of Using The Ibotta Coupon $20 Off In 2026
Where To Find The Ibotta Coupon Code $20 Off
The most reliable place to find a working sign-up code is right through an active user's referral link or on dedicated, trusted reward review websites that verify promotions regularly. You can also spot active codes shared within established deal-hunting communities where shoppers update terms in real time.
It is usually smart to avoid pulling random codes out of chaotic social media comment sections or unverified web threads. Many promotional strings found on an unmoderated Ibotta coupon $20 off Reddit thread might be completely expired, capped by the system, or tied to old campaigns that no longer pay out.
Sticking to a verified, active code like STGKURO ensures that your registration routes correctly through the system. This saves you the time and frustration of typing in dead codes, giving you a smooth path toward earning real money on your very next trip to the grocery store.
Final Note — Use The Latest Ibotta Coupon Code $20 Off
Taking advantage of the $20 sign-up bonus with the code STGKURO is easily the simplest financial win you can set up for your household budget this week. It takes less than a few minutes to download the app and enter the code, turning your next routine grocery receipt into a source of real cash back.
Please keep in mind that these high-value introductory promotions are never permanent fixtures, as the platform frequently shifts its promotional amounts based on active acquisition goals. Seizing a verified Ibotta coupon code $20 off opportunity right now ensures you lock in the highest available rate before the terms adjust.
Starting your savings journey today means you will instantly stop leaving easy money behind at the supermarket checkout lane. Using an Ibotta coupon $20 off path is a highly practical way to fight back against inflation, helping you build a steady financial cushion on the everyday purchases you have to make anyway.
FAQs Of Ibotta $20 Off Coupon
Does the $20 bonus post immediately after I sign up with STGKURO?
No, the welcome reward does not credit instantly just for creating your profile. You must enter the code during registration and then complete your first qualifying cashback offer by scanning a valid receipt or syncing a linked store loyalty card to trigger the payout.
What counts as a "first qualifying offer" on Ibotta?
A qualifying offer is typically a specific, name-brand product offer listed inside the app that you buy at a participating store. Brand-generic offers, like "Any Brand" milk or eggs, are often excluded from triggering the welcome reward, so check the current in-app bonus terms carefully.
Can the code STGKURO be used outside the United States?
No, the code cannot be used internationally because Ibotta operates exclusively within the United States. To create an account and redeem offers, you must be located in the US and register using a valid domestic ZIP code and a compatible mobile phone number.
Does the $20 welcome bonus stack with regular Ibotta cashback offers?
Yes, the welcome reward stacks perfectly alongside the standard cash back attached to the item you purchased. For example, if your first scan is for a brand offer that pays two dollars back, you will receive that amount plus the welcome bonus in your balance.
That is exactly why smart shoppers are using the new member referral code STGKURO to claim a verified welcome reward when setting up their accounts. New US users who sign up with this specific code unlock the welcome bonus after they complete their very first qualifying cashback offer redemption inside the app. It is a quick, straightforward way to build up a cash balance right from the start, helping you offset the cost of your everyday grocery runs.
Many people search the internet for terms like Ibotta coupon $20 off or Ibotta $5 off coupon code hoping for an instant markdown on their grocery receipt at the register. It is important to realize that Ibotta does not function as a standard coupon program that takes money off your bill while you are standing in the checkout line. Instead, it is a dedicated cashback rewards platform that deposits real money into your account balance after you buy participating items and scan your receipt.
How Does The Ibotta $20 Off Bonus Actually Work?
The Ibotta $20 bonus is a sign-up reward credited to a new user's Ibotta account after they enter code STGKURO at registration and complete their first qualifying cashback offer. This means you will not see a discount applied to your receipt at the store, but you will see the funds post directly into your secure in-app balance.
To get started, you simply download the official app onto your mobile device and create a new, verified account based in the United States. During that quick setup process, make sure to enter the referral code STGKURO in the designated promotional field to tie the welcome reward to your new profile. From there, you just browse the extensive list of participating grocery stores, supermarkets, and big-box retailers to add cash-earning offers to your digital list before you go shopping.
Once you finish buying those items at the store, you take a quick photo of your printed receipt using your phone's camera within the app. If you prefer a completely automated experience, you can also link your favorite store loyalty cards ahead of time so your purchases track without any manual scanning. When you look up an Ibotta coupon code $20 off first-time user or look for Ibotta coupon codes $5 off, you are setting off a process that lets you accumulate real earnings that can be withdrawn via PayPal, Venmo, or digital gift cards once you hit the standard cash-out minimum.
Is The Ibotta $20 Off Bonus With Code STGKURO Legit?
Yes, the $20 welcome bonus is completely legitimate because Ibotta is a highly rated, established cashback platform with a verified history of paying out billions of dollars to millions of American shoppers. We know the rewards space is full of misleading online claims, but this platform works directly with major US consumer brands and grocery chains to fund these rewards.
The referral code STGKURO is an active, verified code that is currently delivering the $20 welcome bonus directly to eligible new accounts under Ibotta's standard promotional terms. You must remember that this sign-up reward is never credited instantly just for typing in the letters; you have to complete your first qualifying product redemption to trigger the payout. It is also worth noting that because this is an active marketing promotion, the exact welcome bonus amounts are always set by Ibotta and can be adjusted or updated over time based on their current acquisition campaigns.
Be aware of online sites claiming this code works anywhere globally or that the specific promotional value will remain identical forever without any deadlines. Ibotta is strictly a US-based platform, meaning you must be located in the United States and use a valid domestic ZIP code to participate. The program rules are transparent, and as long as you follow the clear activation steps, your introductory earnings will arrive safely in your profile.
Ibotta Coupon $20 Off Explained: What The Referral Bonus Actually Includes
When people search online for an Ibotta coupon $20 off, they are usually using popular internet shorthand because they want to save money on their upcoming grocery trip. It is crucial to understand that this reward is actually a $20 cashback credit deposited into your personal Ibotta balance, rather than a point-of-sale voucher that lowers your total due at the cash register.
Searching for a $20 off Ibotta coupon will lead you to this exact sign-up promotion, which acts as a helpful booster for your overall savings. You still pay the normal retail price at the store counter, but you get that chunk of cash back in your account right after your receipt is processed.
- The bonus delivers a $20 cash credit to your secure Ibotta balance rather than a register discount.
- It is available exclusively to new US-based accounts that register using the active referral code STGKURO.
- The funds are unlocked and post to your account after you successfully scan your first qualifying receipt.
- You can easily withdraw your accumulated cash via PayPal, Venmo, or popular digital gift cards after hitting the minimum balance.
When people talk about qualifying their "first order" for this promotion, they are referring to the very first time you redeem a brand offer inside the app. This trigger is usually met by scanning a physical receipt containing a participating item or by completing a purchase through a linked store loyalty card at a partner retailer.
To ensure your first submission triggers the welcome reward, you need to pay close attention to the rules listed on the specific product offer you choose. Make sure the brand, size, and quantity match the app description exactly, and verify that you bought it at an approved store during the active promotion window.
- Enter the verified code STGKURO when setting up your new profile to make sure your account is eligible.
- Buy at least one participating product that matches an active offer listed inside the app.
- Upload your receipt or use a linked loyalty card within the allowed time frame after shopping.
- Avoid "Any Brand" or generic offers if the current welcome terms specify that a name-brand product is required.
Ibotta Promo Code $20 Off For New Users In 2026
Entering the code STGKURO gives new US users an immediate financial advantage by jumpstarting their account balance with a $20 welcome reward. Beyond that initial signup boost, creating an account opens up access to hundreds of daily cashback offers at major supermarkets, wholesale clubs, pharmacies, and online retailers.
This means you can keep racking up steady savings on the everyday items you were already planning to buy anyway, from fresh produce and milk to household cleaners and pet food. The platform updates its featured brands constantly, giving you new ways to accumulate rewards every single week.
- Enter the active code STGKURO during signup to ensure you are eligible for the introductory reward.
- Get a $20 cash credit deposited to your balance after successfully completing your very first product redemption.
- Search for a seasonal Ibotta coupon $20 off to see how quickly you can hit your first withdrawal target.
- Combine your welcome earnings with regular brand offers to watch your available balance grow fast.
Step-By-Step — How To Redeem The Ibotta Coupon $20 Off For New Customers
- Download the free Ibotta app directly from the Apple App Store or the Google Play Store on your mobile device.
- Create a brand-new user account by providing a valid US ZIP code and a verified email address or phone number.
- Look for the optional referral field during the account setup flow and carefully type in the code STGKURO.
- Browse through the available stores in your area, open the offers tab, and tap to activate at least one cashback offer.
- Head to the store, buy the qualifying item, and keep your paper receipt safe.
- Open the app, upload a clear photo of your receipt (or ensure your linked loyalty card syncs), and watch the bonus post to your earnings.
Ibotta Coupon $20 Off For Existing Customers: What's Realistic
If you already have an active account, it is important to be completely realistic about how the platform structures its marketing promotions. The $20 sign-up bonus is explicitly reserved for brand-new accounts creating a profile for the first time, meaning existing members cannot reuse a signup code on an old account.
However, current users have plenty of alternative ways to bring in serious cash by checking the in-app Bonuses tab, participating in team challenges, and sharing their own referral links with family members. When you invite a friend who sets up a new profile and redeems their first offer, you get a solid referral bonus deposited straight into your own account.
You might occasionally see people searching for an Ibotta coupon $20 off for existing customers free shipping on various bargain forums. It is vital to remember that Ibotta is a cashback rewards platform rather than an online retail store, so it never handles product distribution or shipping logistics.
Instead of searching for non-existent shipping deals, smart shoppers maximize their regular balances by stacking Ibotta offers with paper manufacturer coupons and store loyalty rewards at the register. Keeping an eye out for legitimate Ibotta $20 coupon codes for existing users usually means looking for high-value milestone bonuses that populate inside your app during major holiday weekends.
How To Use The Ibotta Coupon Code $20 Off For Existing Customers
- Invite your friends and family to join using your personal referral link located inside your profile settings.
- Open the app regularly to check for specialized milestone challenges that award extra cash for completing a set number of offers.
- Link your frequently used grocery and pharmacy store loyalty cards to unlock automatic tracking without uploading physical receipts.
- Stack your activated app offers alongside store circular discounts and manufacturer paper coupons at the register.
How To Earn Ibotta $20 Coupons As A New Customer
New US customers earn the $20 Ibotta bonus by signing up with code STGKURO and redeeming their first qualifying cashback offer within the redemption window. The process is designed to be user-friendly so that anyone can complete it without needing advanced technical skills or deep couponing experience.
Once you finish your initial registration with the code, you just need to find a single product offer that fits into your regular weekly meal plan. After you buy that item and scan the receipt, the system automatically verifies the purchase and updates your profile balance.
Building a consistent routine is the real secret to maximizing your rewards long after that introductory payout lands in your account. You can keep your momentum going by taking a few seconds to review the app before heading out to the supermarket each week.
Mapping out your shopping list around high-value brand offers allows you to accumulate rewards rapidly. People who hunt for an Ibotta coupon code $20 off or a $5 off Ibotta coupon code online quickly discover that the real value comes from making the app a permanent part of their shopping routine.
Advantages Of Using The Ibotta Coupon $20 Off
- A $20 cashback bonus credited directly to your secure Ibotta account balance right after your first qualifying offer redemption.
- Excellent grocery and retail store coverage featuring major national supermarket chains, warehouse clubs, and big-box retailers across the United States.
- Flexible and convenient cash-out options that allow you to move your hard-earned funds straight into PayPal, Venmo, or dozens of popular digital gift cards.
- Complete freedom to stack your app rewards with paper manufacturer coupons, store loyalty card programs, and credit card cash rewards.
- A low-effort digital system that replaces tedious paper coupon clipping with simple receipt photos or automated loyalty card syncing.
Ibotta $20 Discount Code: Bonus Stack For New And Existing Customers
User Type
Primary Earning Method
Additional Stack Opportunities
Code EligibilityNew Users
Welcome Bonus Credit
Brand Offers & Store Loyalty Cards
Eligible for code STGKURO
Existing Users
In-App Milestone Bonuses
Referral Rewards & Manufacturer Coupons
Internal App Challenges Only
New users can lock in their introductory credit by applying the code STGKURO right at signup and completing their very first product scan. This gives you a great head start, which you can immediately multiply by stacking ordinary product offers on top of that initial welcome reward.
Existing users can build their own versions of a bonus stack by focusing heavily on the specialized challenges highlighted on their home screens every week. Whether you are aiming for a seasonal holiday bonus or using an Ibotta $20 off coupon code framework to guide your referral efforts, the app provides a reliable path to continuous savings.
Learning to combine multiple promotions at the same time is the best way to extract the highest possible value out of a $20 off Ibotta coupon code search. It turns every single trip to the grocery store into an opportunity to collect multiple layers of rewards on the exact same receipt.
Pros And Cons Of Using The Ibotta Coupon Code $20 Off This Month
Pros
- Operating as a highly secure, established US cashback platform with a strong track record of timely payouts to millions of active shoppers.
- Offering a generous $20 welcome reward to any new US account that registers using the active referral code STGKURO.
- Utilizing a simple digital redemption process that relies on receipt uploads or loyalty card links instead of manual checkout codes.
- Providing multiple reliable ways to cash out your balance, including direct deposits to PayPal, Venmo, or popular retail gift cards.
- Featuring weekly milestone challenges and an active refer-a-friend program to keep your earnings growing long after signup.
- The welcome reward requires a successful product redemption to post, meaning it is never credited instantly at the moment of signup.
- The platform operates exclusively within the United States, meaning shoppers located in other countries cannot participate or build a balance.
Terms And Conditions Of Using The Ibotta Coupon $20 Off In 2026
- The introductory code STGKURO is strictly valid for brand-new Ibotta accounts and cannot be applied retroactively to older profiles.
- The $20 welcome credit is officially unlocked only after the new user successfully completes their first qualifying brand offer redemption.
- A standard minimum cash-out threshold applies to all accounts before earnings can be transferred to PayPal, Venmo, or gift cards.
- All promotional bonus values are controlled entirely by Ibotta and can be updated, changed, or paused during different marketing periods.
- Users must follow Ibotta's comprehensive terms of service, which prohibit creating duplicate accounts on a single device to claim multiple rewards.
- The platform is entirely US-only, requiring a domestic mobile device, verified registration details, and a valid US ZIP code.
Where To Find The Ibotta Coupon Code $20 Off
The most reliable place to find a working sign-up code is right through an active user's referral link or on dedicated, trusted reward review websites that verify promotions regularly. You can also spot active codes shared within established deal-hunting communities where shoppers update terms in real time.
It is usually smart to avoid pulling random codes out of chaotic social media comment sections or unverified web threads. Many promotional strings found on an unmoderated Ibotta coupon $20 off Reddit thread might be completely expired, capped by the system, or tied to old campaigns that no longer pay out.
Sticking to a verified, active code like STGKURO ensures that your registration routes correctly through the system. This saves you the time and frustration of typing in dead codes, giving you a smooth path toward earning real money on your very next trip to the grocery store.
Final Note — Use The Latest Ibotta Coupon Code $20 Off
Taking advantage of the $20 sign-up bonus with the code STGKURO is easily the simplest financial win you can set up for your household budget this week. It takes less than a few minutes to download the app and enter the code, turning your next routine grocery receipt into a source of real cash back.
Please keep in mind that these high-value introductory promotions are never permanent fixtures, as the platform frequently shifts its promotional amounts based on active acquisition goals. Seizing a verified Ibotta coupon code $20 off opportunity right now ensures you lock in the highest available rate before the terms adjust.
Starting your savings journey today means you will instantly stop leaving easy money behind at the supermarket checkout lane. Using an Ibotta coupon $20 off path is a highly practical way to fight back against inflation, helping you build a steady financial cushion on the everyday purchases you have to make anyway.
FAQs Of Ibotta $20 Off Coupon
Does the $20 bonus post immediately after I sign up with STGKURO?
No, the welcome reward does not credit instantly just for creating your profile. You must enter the code during registration and then complete your first qualifying cashback offer by scanning a valid receipt or syncing a linked store loyalty card to trigger the payout.
What counts as a "first qualifying offer" on Ibotta?
A qualifying offer is typically a specific, name-brand product offer listed inside the app that you buy at a participating store. Brand-generic offers, like "Any Brand" milk or eggs, are often excluded from triggering the welcome reward, so check the current in-app bonus terms carefully.
Can the code STGKURO be used outside the United States?
No, the code cannot be used internationally because Ibotta operates exclusively within the United States. To create an account and redeem offers, you must be located in the US and register using a valid domestic ZIP code and a compatible mobile phone number.
Does the $20 welcome bonus stack with regular Ibotta cashback offers?
Yes, the welcome reward stacks perfectly alongside the standard cash back attached to the item you purchased. For example, if your first scan is for a brand offer that pays two dollars back, you will receive that amount plus the welcome bonus in your balance.