This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. What is written in the article is the editor's opinion.
I know – more apps. Between social media, mobile banking, loyalty programs, and shopping, the last thing most peeps need is another app.
But there are a few apps out there you can set up once – and then, if you want, never look at them again. Even better, these apps earn credits for gift cards, get you refunds, or award cashback for setting them up.
I’ve gotten free groceries and Amazon gift cards, deposits into my checking account, and credits on my cards – all from having these apps on my phone.
Here’s an overview. And how they save you money without any ongoing effort.
In This Post
4 best apps to save money
- Link: Get Drop
Drop was the app that got me into “set it and forget it” mode. Since November 2017, I’ve earned over $100 in Drop points, which you can redeem for gift cards to stores including:
- Whole Foods
- Best Buy
When you sign up, you’ll pick 5 stores where you want to earn ongoing Drop points. I picked Uber, Starbucks, Whole Foods, Trader Joe’s, and Amazon.
After you plug-in your bank information, you’ll earn Drop points every time you spend at selected merchants. The app scans your purchases and awards points automatically.
1,000 Drop points = $1. And you can redeem for a gift card starting at the $5 mark (5,000 Drop points).
I earn a few hundred points here and there. Then peek in every once in a while to see how many accumulated. I’m always surprised at how many I have. But then again, I shop at Amazon a lot and grab the occasional coffee at Starbucks.
I love redeeming for Amazon and Whole Foods gift cards. They’re issued within minutes after you redeem.
Once you set up Drop, let the points roll in. You can check every so often to add more offers or see how many points you have from setting it up one time.
I wrote about how Earny works. If your Visa or MasterCard credit card offers price protection, Earny will detect price changes from receipts in your email inbox and file a claim – with NO effort required on your part.
Most major banks are supported.
Earny tracks purchases from:
- Best Buy
- The Gap Group including Gap, Banana Republic, Old Navy, Athleta, and factory stores
- Home Depot
I plugged in my Citi AT&T Access More card because it earns 3X Citi ThankYou points for online shopping.
Since I set it up, I’ve gotten ~$74 back from random purchases – with zero effort. In return for Earny’s services, they take back 25% of whatever they save you. Considering it’s automated and money I would’ve never seen otherwise, that seems fair.
Moving forward, I’m putting the bulk on my shopping on Citi cards to take advantage of Citi Price Rewind, which comes with all their personal credit cards.
Citi puts the onus on you to register your purchases – but Earny also does that for you automatically.
The reason I’m moving to Citi cards is because Chase is dropping price protection on all their cards this year. If you shop online a lot, Earny is a must-have.
- Link: Get Spent
Spent works a lot like Drop – and lets you earn at many of the same merchants. But instead of gift cards, you redeem for cash to your PayPal account once you earn $20.
A big part of the app is the shopping portal. But you can add your cards to automatically earn 1% back at 10 merchants:
- Whole Foods
You can get 1% cashback from Netflix, Uber, Walgreens, and other popular stores after linking your cards, then let the points build. Plus, you get $10 for signing up, so you should reach the $20 cashout threshold pretty quickly.
The app is free to have and use. Free cash money for adding cards and offers to your account one time.
- Link: Get Dosh
Dosh earns cashback at local restaurants and a few big box merchants (including Sam’s Club, Payless, World Market).
What’s cool is you can often double-dip and get miles from airline dining programs AND cashback from Dosh.
Cash out when you get $25 in your account – the money is transferred to your debit or credit card. Lots of restaurants offer 5% or 10% cashback. So depending on how often you dine out, you can get cash in your checking account or a credit on your card pretty fast.
Dosh is free to have and use. I don’t dine based on what’s on Dosh. But every once in a while, I’ll get a ping that I earned cashback for eating out, which is always a nice surprise. Plus you get $5 in your account just for signing up. Link your cards once and let the cash roll in. Set it and forget it.
Are there drawbacks?
These apps require you to enter your banking and/or email information to scan transactions. I’ve been using these apps for 6+ months and haven’t had any issues. But some peeps don’t want to share their information.
It’s all for data collection and piecing together your spending habits to use for marketing. Personally, I don’t care – it’s not like the banks aren’t already doing that.
If this part of the apps bothers you, it’s best to skip them altogether. As always, do what you’re personally comfortable with.
These 4 apps have gotten me free gift cards, credits from price protection, and cashback from normal spending. I didn’t go out of my way to earn any of it. Once you set them up, you don’t have to check again – earning rewards is effortless. And every little bit helps.
To that end, there’s no reason to turn down free cash, merchandise, or credits – unless the data collection piece bothers you. All you have to do is spend a few minutes setting up your accounts. Then never think about them again, except to see if you can redeem for rewards.
Drop in particular has great offers you can activate if you want – so I open that one most often (but you certainly don’t have to). I literally never look at Earny – just see the credits on my cards. There’s also no reason to ever check Spent or Dosh, except to redeem for cash.
Some apps (like Ibotta) require you to constantly interact. But these are easy and effortless.
Which is your fave? Are there other easy rewards apps you like better?
BEST Current Credit Card Deals
- Chase Ink Business Preferred - Earn 80,000 Chase Ultimate Rewards points! and 3X bonus points for travel, internet, and all Plastiq payments! Compare it here.
- Chase Sapphire Preferred - Earn 50,000 Chase points with the BEST card for beginners. Compare it here.
- Blue Business Plus Amex - 10,000 Amex Membership Rewards points! Learn more here. - The BEST card for 2X on everyday spending.