Earnings are the money that you get from redeeming offers, completing bonuses, and referring new users.
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Your earnings are saved in your Ibotta account until you reach the withdrawal threshold of $20.00. Once you reach $20.00 and redeem at least one offer, you can withdraw your earnings or you can keep building them up. Once you withdraw, you must work back up to $20.00 with at least one offer redemption in order to withdraw again.