Pei App Review – earn cashback in Bitcoin or cash?

Pei app review

If you’re looking into more ways to enhance your shopping experience look no further than Pei.  Apps like Pei gives bitcoiners a chance to do more with their everyday purchases. Earning cashback in Bitcoin is now much easier through Pei mobile app. 

How is this possible? In this post, we will review the Pei app and explore how it can fit in with the way you shop. 

PEI Overview

Founded in 2017 by Tom Bachar and Michael Jannain. Pei partners with merchants, providing customers an automatic Bitcoin or USD cashback on everyday purchases. As a startup the Pei team has grown exponentially in recent years. 

Both founders have immersive backgrounds in the Fintech space. Creating a unique cashback program. What makes it unique is the way users earn BTC or USD.

Users can link their very own debit or credit card to get cashback directly from retailers. 

Pei supports over 60,000 locations making an advantageous cashback program to take part in. 


  • Can earn up to 20% in cashback
  • Cashback Boost – 1% on all purchases
  • Sync unlimited debit & Credit Cards 


  • Consistent App Bugs
  • Customer service is a hurdle
  • Points earned can be removed if account is inactive after 6 months (180 days)

How Pei Works

Pei offers users credit-card style benefits on their debit and credit cards through cashback. The concept is simple. Link any debit or credit card to the Pei app.

Spend at your favorite shops and receive cashback in either Bitcoin or Cash. 

An aspect of Pei that makes it special is the ability for users to receive cashback in the form of Bitcoin.

Bitcoin is a digital currency that continues to grow in value as it becomes more widely adopted.

Shares some similar characteristics with traditional fiat currency. The exception being that Bitcoin is purely digital. 

Pei Highlights

Pei app website banner

Create A Cash Back Card – Users can turn their very own debit or credit cards into a rewards card. Allowing users to earn automatic cashback on everyday purchases.

No membership fees, new card, or interest will be incurred. Only expect savings on your purchases. 

Over 60,000 Affiliated Locations – Merchants such as Uber, Target, Chick-fil-A, Dunkin Donuts, Starbucks, and many more. 

Cashback In Either BTC or USDPei earns you up to 20% cashback and receive rewards in Bitcoin or USD. 

Sync Unlimited Debit & Credit Cards – Pei does not limit how many cards that can be synced. Link as many cards as you want to max earn cashback faster. 

Cashback Boost – Unlock 1% cashback on all purchases made with a chosen card for 48 hours. Purchases can be made anywhere, and the retailers don’t have to be in partnership with Pei in order to earn cashback.

Pei Chrome Plugin – This chrome plugin is a great companion to the mobile app. Similar to the app, the Chrome plugin links to your existing debit or credit card. Widening your earning efforts while you are shopping online.    

The Pei Sign-Up Process

Installing Pei & Signing up

Signing up for Pei is a simple and easy process. Users can sign-up to Pei through desktop or IOS / Android apps. Once downloaded, users will be prompted to follow the on-screen directions.

Adding information such as email, password, phone number, and location. 

A user location is an important part of the sign-up process. Without, Pei cannot determine the location of the transactions.

The location of transactions helps Pei derive the amount of cashback received from merchants. 

Link Your Card

At this point all your necessary information should be entered, and now it is time to link your debit or credit card. 

Sync your debt and credit cards are done through Plaid’s API. Plaid connects financial accounts to apps.  Plaid is used by major financial institutions like Venmo, Betterment, and Coinbase.

So, your information is safe, as Pei doesn’t store any user data. 

Once your debit or credit card is linked, transactions made on the card will automatically earn you cashback. 

Redeeming Cashback with Pei 

Pei works similarly to a credit card rewards program. It returns cashback directly into your Pei account on purchases made with the linked card.

There aren’t any crazy steps, it’s straightforward and cashback exists over any card you use. 

All cashback received is given in Pei points and can be cashed out for Bitcoin or sent to your PayPal account.  

Pei only supports Bitcoin and USD. As the platform grows there is plans to offer other cryptocurrencies. 

Pei Points to Bitcoin Conversion 

Earned cashback rewards come in the form of Pei Points and can be converted to BTC. Pei points are converted to mBTC, mBTC is one-thousandth of a Bitcoin (1mBTC = 0.001 BTC or 100,000 satoshi).

Once converted you can transfer Bitcoin from your Pei account to a wallet. The transfer to your Bitcoin address is free. 

Top Merchants Earn Cashback 

Top Pei Merchants

Pei partners with a number of popular merchants in an effort to earn cashback in a myriad of ways. Making it hard not to earn Bitcoin or cash using Pei. We included some of the most popular below:

  • 7-Eleven
  • AMC Theatres 
  • Burger King 
  • Nordstrom 
  • Panera Bread
  • Petco
  • Starbucks
  • Taco Bell
  • Target
  • Walgreens
  • Lyft
  • Uber
  • Chick-fil-A
  • Petco

Is Pei secure?

Yes, Pei has implemented a number of security controls to keep user info safe. Pei uses plaid to link users’ cards.

As mentioned, Plaid is used by a number of big companies like Acorn, Robinhood, and Venmo just to name a few. 

Pei takes this a step forward by adding 2 factor verification (2FA) and 256 bit encryption to bolster its security efforts. They are transparent about how they utilize user data as Pei doesn’t store it.

App & User Experience

Anyone can download the app and quickly start earning cashback. The app experience is seamless and user friendly.

Had no issues with the interface, accounts stayed synced as the debit card was in use. Some customer reviews complained of glitches and other minor errors. 

The chrome extensions is also easy to use and provides yet another way to earn cashback online. 

Customer Service & Feedback

Pei is limited in the ways users can reach out to customer services. One of the main ways is through their chatbot, which according to the site replies takes up to 34 minutes.

Users can also submit requests through Pei Zendesk. In addition to Zendesk, users can get your common question answers on the Pei support desk.  

Feedback was mixed in regard to the app and customer service. It was reported from users that there were difficulties connecting with customer service.

Others felt the app to be too buggy, riddled with a number of issues. 

We saw a lot of customers complain about account points being removed after several months of inactivity.

According to the Pei support desk, points can be removed if your account has been inactive after 6 months so keep this in mind.  

Pei Pros & Cons


  • Can earn up to 20% in cashback
  • Cashback Boost – 1% on all purchases  
  • Sync unlimited debit & Credit Cards 
  • Wide range of partnerships which means more opportunities to earn Cashback
  • Easy to Use App & Chrome plugin interface


  • Consistent App Bugs
  • Customer service is a hurdle 
  • Points earned can be removed if account is inactive after 6 months (180 days)  

Similar Apps To Earn BTC

Lolli Logo

Lolli gives you free Bitcoin or cash when you shop online. It’s similar to applications like honey as it automatically rewards its users on everyday online purchases.

Earn up to 30% back in bitcoin rewards using its Chrome browser extension.    

It’s a no brainer for online shopping of any kind and especially if you’re trying to get some extra Bitcoin. The service is free, requiring zero effort to install.

It is a simple way to earn bitcoin from something you’d be doing anyway. 

Final Thoughts – Is Pei Your Next BTC Earning Machine

Pei choose card image

Pei significantly maximizes your free Bitcoin or cash-earning potential. There is no risk of installing the app as it is free. Giving users all the benefits of a traditional credit card rewards program.

The main difference is it’s without incurring interest or taking on the extra burden of a new credit card. 

Combine this with services like Lolli and you can “triple your earnings”. Claiming Bitcoin cashback on the same online purchases you’ve made with Pei and Lolli is a huge plus. 

Although the Pei app has challenges, it’s still worth a download for any savvy shopper. We believe as Pei receives wider adoptions the better it will get.