The Benjamin app (benjaminone.com) is a legitimate cashback and rewards platform, but it is currently experiencing significant payout problems that have eroded user trust. While the company is real and has historically paid users, the withdrawal delays reported since late 2025 raise serious concerns about its financial health. Our assessment: use with caution and avoid accumulating large balances.
What Is the Benjamin App?
Benjamin is a mobile rewards app founded in 2022 and headquartered in New York. It allows users to earn cash by completing surveys, playing games, scanning receipts, and shopping through its cashback program. The app is available on both the Apple App Store and Google Play, and claims over $35 million in total user earnings.
The cashback feature pays 0.10% on all purchases, with boosted rates of 1% to 10% at select retailers. Users have historically averaged $30 to $50 per month with 15 to 20 minutes of daily activity.
Red Flags We Found
⚠Withdrawal Delays and Payout Caps
Since August 2025, Benjamin has implemented withdrawal freezes, daily caps, and a queue system that delays payouts by weeks to months. These are common early warning signs of a platform facing liquidity issues.
Withdrawal freeze in August 2025. Benjamin paused all withdrawals, telling users payouts were suspended due to "upgrades" and would resume on December 3, 2025. Users with hundreds of dollars in balances were locked out.
Queue system with extreme wait times. After the freeze lifted, Benjamin introduced a processing queue. Users report estimated wait times of 22 to 99 days, even for small amounts. Users who pay the "instant withdrawal" fee are also placed in the queue.
Daily payout cap of $50. Benjamin now limits daily withdrawals to $50 per user, a restriction that did not exist previously.
Reduced payment methods. As of December 2025, Benjamin only supports PayPal and Venmo withdrawals. ACH bank transfers, which were previously available, have been removed.
BBB complaints. The Better Business Bureau has received multiple complaints about unreceived payments and unresponsive support.
User Reports and Complaints
Trustpilot reviews for benjaminone.com show a sharp decline in satisfaction. While older reviews praise the app for timely payments and easy withdrawals, recent reviews from late 2025 and early 2026 paint a different picture:
- Users report withdrawals stuck in "queue" status for months with no resolution.
- Support responses are described as slow or nonexistent.
- Some users report having $200 or more in earned rewards that they cannot access.
- The app continues to allow users to earn rewards, even while payouts are delayed, which some users describe as misleading.
The pattern of continued earning with restricted withdrawals is a significant concern. While it does not necessarily mean Benjamin is operating as a scam, it mirrors the behavior of platforms that eventually become insolvent.
How the Benjamin App Works
Benjamin generates revenue by partnering with advertisers, survey providers, and retailers. When you complete a survey or make a purchase through the app, Benjamin receives a commission and shares a portion with you. This is a standard business model used by legitimate cashback apps like Rakuten, Ibotta, and Swagbucks.
The concern is not with the business model itself but with whether Benjamin's revenue is sufficient to cover the payouts it owes to users. The withdrawal freeze and queue system suggest the company may be paying out more slowly than it earns, a cash flow problem that can escalate quickly.
Similar Risks to Watch
Benjamin's payout problems are not unique. Other reward apps have followed a similar trajectory: rapid growth, generous payouts, followed by withdrawal restrictions as the economics become unsustainable. Watch for these warning signs on any rewards platform:
- Sudden changes to withdrawal minimums or payout methods
- Introduction of "processing queues" where none existed before
- Terms of service changes that reduce your ability to cash out
- Customer support becoming unresponsive during payout disputes
What to Do If You Have a Pending Withdrawal
If you have money stuck in Benjamin's withdrawal queue, take these steps:
- Document everything. Screenshot your balance, withdrawal request, queue position, and any communications with Benjamin.
- File a BBB complaint. Companies often respond faster to formal BBB complaints than to support tickets.
- Report to the FTC. If you believe Benjamin is engaging in deceptive practices, file a complaint at reportfraud.ftc.gov.
- Contact your state attorney general. Consumer protection divisions handle complaints against companies that fail to pay earned rewards.
- Limit further use. Do not continue earning rewards on a platform that cannot pay what it already owes you.
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