15 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2019)
This is the updated 2019 Q1/Q2 version of this post. If you remember reading the previous iteration of this post, there are several changes to the list this time around. Some new additions, and some removals. I'm not necessarily listing these apps/sites off from best to worst, but the higher names on the list came to my mind faster, which basically just means that I prefer them. Note: Most of these apps will be US only. A couple on this list are for Canada as well, and I've tried to make notes about apps that work outside of the US. Having said that, let's get right into it.
Pei is an automatic cash back app, very similar to Drop (listed below). When you sign up, you'll link a debit/credit card and you'll then automatically start earning cash back as you shop at certain Pei merchants (listed just below). There are so many merchants with Pei that you'll likely find yourself accidentally earning cash back on the app, without even knowing it. Pei is an app that you can really just link a card and then check back weeks later and surprise yourself with the money you've earned. The app has improved so much since the first time I posted about it, that it deserves the top spot in this post. You can cash out instantly as soon as you reach $15 in your account, and they're currently offering a cool $5 bonus when you sign up with a referral. My referral is "5LTZ1S". Big appreciate if you use my referral to sign up.
Pros of Pei:
Cash Back at a lot of locations, and more are added frequently.
Cash out via PayPal, Bitcoin, or Prepaid Visa.
So with all of that being said, let's talk about the stores you can find on Pei. Just note that these are only stores that are local to me, so if I don't have a certain store near me that Pei offers, I won't have it on this list. Additionally, Pei actually offers so many stores at this point that there's no way for me to actually keep this list up to date at all. There have been countless times where I've shopped somewhere that doesn't even come up as an option to earn with Pei but I'll see cash back listed on the app. It's really quite impressive.
Panda Express - 1.5%
Target - 1%
Petco - 1%
PetSmart - 1%
Sephora - 1%
Banana Republic - 1%
American Eagle Outfitters - 1%
Gap - 1%
Old Navy - 1%
Chipotle - 1.2%
Taco Bell - 2%
Dominos Pizza - 1.5%
CVS - 1%
Starbucks - 1%
AMC - 2%
GameStop - 1.2%
Subway - 1.5%
7-Eleven - 1%
Dunkin' Donuts - 1.5%
Walgreens - 1%
Nordstrom - 1%
Supercuts - 2%
ZARA - 1.2%
Express - 1%
H&M - 1.2%
Urban Outfitters - 1%
+ Local locations - ~5%
In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of $0.50! They also do offer a "$2 on $20", essentially meaning that if you spend $20 at a certain merchant, you'll earn a $2 bonus. Local for me, I have the following options for $2 on $20:
I feel like a lot of people will enjoy this ~10% bonus on UbeLyft, especially if you ride a lot. Most stores do have a $5 daily/weekly earning limit, so do be aware that if you spend more than ~$500, you'll likely reach an earning cap.
Drop is a passive loyalty program for US/Canada that allows you to choose 5 popular stores where you'll earn cash back (automatically) at as soon as you shop at them (both online or in store). You'll start off by linking your cards to drop (credit or debit), and they'll automatically track your purchases and once they notice a purchase from one of the 5 stores that you selected, you'll automatically earn cash back in the form of drop points which can be redeemed for instant gift cards to several stores. As mentioned above, once you register you'll be presented with a list of store options. Do note that the stores you choose might be stuck with you forever, so pick stores you plan on shopping at a lot in the future, since you might never get the opportunity to change them. For a new user signing up today, here are the current options you'll be presented and the corresponding rate:
Walmart (2 pts/$ | 0.2%)
Target (8 pts/$ | 0.8%)
Starbucks ( 12 pts/$ | 1.2%)
Uber (10 pts/$ | 1.0%)
McDonald's (8 pts/$ | 0.8%)
Lyft (10 pts/$ | 1.0%)
Walgreens (8 pts/$ | 0.8%)
Chipotle (12pts/$ | 1.2%)
Seamless (16 pts/$ | 1.6%)
HEB (10 pts/$ | 1.0%)
Fred Meyers (12 pts/$ | 1.2%)
7-Eleven (16 pts/$ | 1.6%)
Safeway (8 pts/$ | 0.8%)
Trader Joe's (12 pts/$ | 1.2%)
Peets Coffee (8 pts/$ | 0.8%)
Blue Bottle (8 pts/$ | 0.8%)
Macy's (8 pts/$ | 0.8%)
Dunkin' (14 pts/$ | 1.4%)
Bath & Body Works (15 pts/$ | 1.5%)
Whole Foods (8 pts/$ | 0.8%)
Do note that this list may change at any time, but historically whatever rate you receive when you sign up is the rate that will be locked in for you. Here are a couple things that are worth noting:
Minimum cash out is $5 (5,000 points) for gift cards.
It is stated on Drop's TOS that you can only earn 5,000 points ($5) per week with your ongoing offers (the ongoing offers are the offers you initially sign up for when you register, aka: the 5 stores you pick from the list above). However, from my experience, the limit doesn't seem to be enforced. The limit does, however appear to be 5,000 points per transaction maximum, or per merchant.
I recommend reading the TOS because there are some things listed that might be worth paying attention to, especially the limitations as well as qualifying transactions.
Other ways to earn with drop: While the passive options have already been discussed, I think it's important to highlight some other features that the Drop app provides. In addition to your ongoing offers, you can also earn on Drop by participating in mini game challenges, one time offers, mobile offers/linked offers, Supercharge mini game, and referring friends. Let's talk a little about that:
Mini Games: From time to time (multiple times per week), drop will have a short mini game session where you'll be invited to play a short game, such as a matching game. You'll be given a time period to play the game, and whatever score you post is the score you'll be judged on. The game usually takes just a minute or two. The top placers will often receive a prize, such as a $100 gift card or some crazy amount of Drop points, but all of the other placers will usually receive drop points just for participating. Depending on your score you can usually receive anywhere from 15-60 drop points for playing the mini game.
One-Time Offers: Every once in a while you'll receive a one-time offer to one of the store options for the ongoing offers that you didn't select. For example, I've gotten an offer something like 'earn 500 points when you spend $30+ at Nike using a linked card'.
Mobile Offers: If you're looking to shop somewhere online, Drop can also act as a portal to earn you cash back for your entire purchase. For example, as of posting you can receive 20 points/$ on Walmart.com when you shop through the Drop app. The Drop app historically has had some really good deals with their offers, so it's a good idea to check them frequently. For example, they recently had 10% cash back at Apple, which worked to net people 10% cash back on a new iPhone purchase.
Supercharge Mini Game: The Drop supercharge is a neat feature that rewards you for shopping at the stores for your ongoing offers. Every 5 times you shop at your linked stores, you'll be able to play drop supercharge, which is basically just a game of snake. Each dot you eat will earn you an additional 1+ drop points, and you get 3 lives. You play until you lose and keep what you win. It's really not hard to get a score of at least 200, so if you think about it, it should be a bonus of $0.20 (at the bare minimum) for every 5 times you shop at one of your linked stores.
Referrals: Drop's referral scheme is really nice right about now. With Drop you can currently refer a friend and receive $5 when they sign up, and your referral will earn $5 when they sign up as well. So when it really boils down to it, as of posting someone could sign up under a referral, link a card, and instantly cash out a $5 gift card without actually doing anything. If anyone's interested in supporting me, you can use my referral code: 5ajb9 and we'll both earn $5 when you sign up :)!
HOOCH is a new addition to this list. Similar to Drop and Pei, HOOCH will automatically earn you cash back when you link a credit/debit card. If you understand how Drop or Pei work, there's not really much more to say about HOOCH's cash back system. You'll instantly earn 1% cash back at the following national brands:
*I don't see Chipotle listed, but I've definitely been earning cash back from Chipotle for each of my purchases. In addition to 1% cash back at the national brands, here are some other ways you'll earn with HOOCH:
Connecting your first card ($5 bonus)
Drink at a HOOCH Venue (5%)
Book a Hotel (5%)
Dine at a HOOCH Venue (5%)
HOOCH started a long while back as a subscription app where you'll buy a subscription and you'll get a free drink at a HOOCH venue every day. The venues are extremely limited, so a majority of the people reading this won't find any value in that plan. Dining is just as rare. Their referral system appears to be pretty generous. They're currently offering a $5 bonus for each friend you refer, as well as a 20% bonus on their earnings for life. Here's my referral link, if anyone cares enough to click it. Here's the downfall of HOOCH: You can only cash out for gift cards, and the minimum is $25. For most people, this is a really big disadvantage of this app. Assuming that most people will only be earning through the 1% cash back brands, the minimum you'll need to spend in order to his the cash out minimum is $2500, which would likely take most people a really long time, since the brand options are not places where you're likely to spend a lot of money frequently...like, for example, a grocery store. But still, you could probably earn yourself a few free gift cards every once in a while for a totally passive app.
The ability to earn cash back with Butter is currently only available to Canadians. If you're in the US and you're interested in Butter, you can still use their limited US friendly version here. Canadians, don't use this link! Butter is a service that allows you to track your ongoing subscription services while earning cash back from them 100% passively. When you sign up for Butter, you'll link your bank account/cards and it will automatically help you track your subscriptions (think Netflix, Dropbox... almost anything, really) by telling you how much you're spending on each. This actually seems like something I could really benefit from, because I just recently discovered a subscription that I totally didn't realize I was paying for for the last 6+ months. You'll also earn 1% cash back from each subscription Butter tracks. I would provide a list of the subscriptions that you can earn cash back, but according to butter, the "list is in the 1000s." You'll earn your cash back automatically by Interac e-Transfer once your cash back balance is over $25. $25 is a steep minimum, but if you're someone who either has a lot of subscriptions or has some expensive qualifying subscriptions, it might not take too long to reach the minimum. Since I'm not Canadian, my experience with Butter is very limited. You can read more about how cash back works in their help threads here.
Bumped is an investing app, when you really boil it down. When you sign up you'll select one brand in each category (there are a lot of categories, you'll see below), and each time you shop at the selected brand, you'll earn the certain specified purchase back in the form of company stock. This is unique to all of the other apps on this list, because you're actually receiving company stock. Also, because of this, I think it's very important to note that in order to sign up for Bumped you'll need to enter your SSN since you will be opening up a brokerage account. As of posting, the following are the category options that you can choose from: I've bolded the brands I selected. Obviously you should pick a brand that you can find yourself using the most. Do note that if you pick a brand that you might want to change later, you'll get the opportunity to change your brands 3 times a year, at least 30 days in between.
3% at Jack in the Box
3% at McDonald's
3% at Wendy's
2% at Dunkin' Donuts
2% at Starbucks
2% at CVS
1% at Walgreens
2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
1% at Kroger Family of Stores
1% at The Home Depot
2% at Chipotle Mexican Grill
2% at Taco Bell
1% at Pandora
5% at Spotify
1% at Domino's
5% at Papa John's
2% at Pizza Hut
1% at Target
1% at Walmart
1% at AT&T
1% at T-Mobile
3% at Verizon Wireless
1% at Netflix
5% at Sling TV
1% at Willamette Valley Vineyards
One thing that is listed on the app is that if you want to move your way up on the waitlist you can refer your friends to join the waitlist as well.
Uber Visa Local Offers
Shop or dine out, get Uber credits back.
Use your Visa card next time you dine out or go on a shopping spree at a featured store and earn Uber credits toward future rides. To join, go to settings in your Uber app and tap on Visa Local Offers.
Whenever you shop out at certain places you'll instantly receive uber credits to your account. It's really simple, and yes, this does stack with all of the other cash back apps you might be a part of. The brands they offer do change semi-frequently, so you should check them from time to time. In the past there have been 100% cash back offers for streaming services, and 10-20% cash back at Sam's Club. Considering that these offers do stack, there is some really great potential if you find any value in uber credit. If you're interested in activating the Visa local offers, you'll need to make sure you have a visa card linked to your Uber account first, and then you should see "activate local offers" in the app settings or payment settings of Uber. There's really not much to say about Visa Local Offers, but if you're looking for some FAQ/Terms, feel free to check them all out here.
Groupon+ is a card link program introduced by Groupon that will automatically earn you cash back when you shop at select local restaurants. The program is pretty easy to understand, but it isn't completely passive. In order to receive cash back at the local restaurants, you'll first need to activate the offer. So for example, I have an offer for 20% cash back at Dairy Queen (10% cash back after first purchase). For reference, here's the offer in question. Once I click claim, the offer will automatically be applied to my credit card that I have linked (you'll need to link a credit card/debit card the first time you try to claim an offer). Now that it's claimed, when I go into this dairy queen location and spend with my linked card, I'll automatically receive a rebate after my purchase. What's great about Groupon+ is that the rebate will instantly go as a credit/debit card statement adjustment. So if I'm getting 10% cash back somewhere and I spend $18, I'll automatically see an addition of $1.80 on my credit card statement. It's pretty satisfying. Note: The location you claim does seem to matter. For example, linked above is a Dairy Queen location in Joliet, IL. It appears to be that I'd only receive the cash back at this dairy queen location. For me if I search Groupon for "dairy queen", I'll find a ton of groupon+ offers (some of them different!) for many local Dairy Queens. Just make sure you've selected the right location if you're earning from a chain restaurant. Overall I think Groupon+ is worth checking out. Just note that a lot of the options will be for local businesses.
For those if you who don't know what Cash App is, Cash App is an app by Square that lets you send and receive payments. They've also expanded their app to support bitcoin purchases, and they'll also let you use the app as a checking account. With the cash app you can also sign up to receive the Cash Card, which is a debit card that is funded with your cash app balance. If you have not used Cash App before, they do have a fancy referral program where when you sign up and send $50 you'll receive $5 and so will I. I do want to make this very clear: Cash App referrals can see the full name of the person who refers you, and the person who refers you will have your full name shown to them. If you're really private about personal information, be careful whose referral link you use. If you trust me, here's my referral link. Please note that if you want to use the cash app boosts that I'm talking about, you'll need to be 18 years old and have the cash card (which is free, don't worry)! Cash App announced that their cash card will be seeing 'boosts'. Boosts are their fancy way of saying that when you use our card at certain locations you'll receive a discount. Once you have the cash card, you'll notice on the app below your card you'll be able to select your boost. The following are my personal boost options, as of posting. The boosts change frequently,
15% Off Doordash
$1 Off Any Coffee Shop
5% off Whole Foods
10% Off Buffalo Wild Wings
10% Off Little Caesars Pizza
$1 Off Panera
$5 Off Any Purchase (requires using the card 10x to activate)
10% Off Chipotle <3
10% Off Dairy Queen
So there are quite a few things I want to say & clear up.
You can use a boost every 1 hour.
You must select the boost that you'd like to use prior to the purchase. AFAIK you're able to swap which boost you want to use as often as you'd like. So when you walk into Chick-Fil-A, just check and make sure your boost is set to CFA. If not, swap it.
In order to apply the boost, you must pay with the Cash Card. It's automatic. If your total is $6 and you're saving 10%, you'll only need a Cash app balance of $5.4 for the transaction. Cash App will cover the other $0.60.
If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
This is important. If you have a boost applied, it won't expire. I'll repeat this. If you have a boost applied, It won't expire. So if Square wants to remove your beloved Chipotle boost, it'll stick with you until you decide to swap from it. If you really like it, don't swap! Do realize that just because you have the Cash Card on the app, you won't see the boosts. You need to have the physical Cash Card in your possession for the boosts to show up.
I've been really enjoying using the Cash Card for purchases. Especially at CFA & Chipotle. It's really not a hassle. When I'm standing in line at Chipotle I'll open the app and make sure my cash app balance is enough and if not I'll just add funds right away. The boost is applied immediately which makes you feel good. It's like the guac is free at Chipotle after you use the cash card. The only downside to using the Cash Card is that you won't be able to stack discounts with anything else on this list... Unless you find a way to link the Cash Card to any of the things on this list. Regardless, 10% off at Chipotle is the best I have found.
I've listed this as "Empyr Apps" because all of these apps are basically just the same thing. I'll take the example of Swagbucks Local since that's what most of you reading this will already be using. If you paid attention in the Visa Local Offers section of this post, you'll find that the Empyr apps are actually very similar to those visa local offers. When you shop at a certain store/restaurant, you'll earn with the empyr app you have linked. It's actually really not that special. Here's a list of some/most of the current Empyr powered apps:
IMPORTANT NOTE: You're only allowed to use one Empyr app at a time! As soon as you link up with another Empyr app, you'll be disqualified from another until you link back up. I do want to go into this list a bit this time around since there seem to be more and more Empyr apps popping up. Dosh might be the most popular of these apps right now. Dosh has nice referral programs as well as sign up bonuses that makes it very enticing. Dosh also has very decent cash back at the stores they offer. Swagbucks Local will always be popular among Swagbucks users. What's really nice about Swagbucks Local is that the payouts are always instantly converted to Swagbucks, which can help you cash out sooner. You'll also likely get a slot in the Swago board filled out, which might be beneficial to you. Pei is a really cool new app on Empyr that offers cash back at a lot of places you likely shop at. I talk about it above. RetailMeNot is a newer one on this list and it's the only one here that I feel like I recommend you go on/off with. RetailMeNot has recently been doing a lot of "Spend $X, get $Y" deals at a lot of the stores they offer. For example, they are currently offering $5 Cash back for in Store purchases of $30+ at Staples. This is a really good deal for an Empyr app, and would probably be my pick for that transaction, but not most of the time since they don't have very many stores as options. I personally choose Dosh as my Empyr app. Dosh has a lot of funding, which allows them to offer some very generous offers from time to time.
CoinSeed preface: I don't recommend CoinSeed as an option solely for passive cash back. The app has monthly fees, and even for just $1 a month, it will cut either entirely into your passive cash back earned, causing a net loss, or it'll take a huge cut. Only use CoinSeed for passive cash back if you actually want to use CoinSeed. CoinSeed originally released about a year ago as an app similar to Acorns, where you're able to passively invest money by setting up a recurring investment or invest through 'rounding up' transactions. What makes CoinSeed different from Acorns is that they will take your money and invest it into cryptocurrency. Just recently they have also added a cash back section to the app which allows you to earn points in the app each time you spend at certain locations. Before we talk about the cash back from this app, I want to talk a bit about what you're getting yourself into. Since CoinSeed is an app like Acorns, they're expecting you to use the app to invest money. If you're reading this and you're actually thinking that you'd be interested in using this app to invest into Bitcoin, there are a couple things I think should be pointed out. 1. There is a 1% fee taken from each deposit. 2. There is a fee of $1 per month that you use the app. Your first month is waived, so the fee will only kick in on the second month. The wording is confusing, but it seems like the fee will only apply if you deposit and invest in the given month. So let's talk about cash back. Similar to many apps on this list, you'll link your cards to CoinSeed and that's how they'll track your transactions. CoinSeed actually has two different cash back offers. First of all they offer regular portals in the app. For example, shop at through our link and earn cash back! The reason I think this is important is because currently they're offering 2% cash back at Amazon.com when you shop through their link. Cash back is uncommon enough to find at amazon, but what's great is that the only restrictions listed is, "Doesn't apply on Gift Card." Which makes me think that so long as you're buying anything other than gift cards, you should be eligible for the 2% cash back. I've reached out to CoinSeed to clarify exactly what they mean by that (whether or not it is referring to just Amazon gift cards or third party gift cards as well). The other offers on the app, which they call "Premium" are the passive cash back options, meaning that every time you spend at any of the brands listed, you'll earn cash back. Here are the options that are currently available:
Uber (1% cashback)
Netflix (1% cashback)
Starbucks (1% cashback)
7-Eleven (1% cashback)
There's one issue, though. When you try to activate the premium offers, a popup will appear saying, "Sorry, this feature is only available for users who have made an investment using the auto investing feature." What this is essentially saying is that in order to earn cash back from premium offers you must invest with the app. CoinSeed seems to want to emphasize that the cash back is only a benefit of using their app to invest in crypto. For most people, investing in crypto can be near feeless using alternate methods, and in my opinion this app really doesn't provide many/any benefits that would make me want to even consider using this app for the heavy fees that they take. You would need to be spending a lot of money with their cash back retailers in order for the 'I'm only here for the cash back' route to even start to sound viable.
I've refrained from listing credit cards on this post for a long time. Maybe because I thought it was too obvious, or maybe it was unnecessary, but since the number of younger people using this subreddit has been increasing I feel like I'd be doing a disservice to entirely disclude a blurb about credit cards. If you have a credit card and you don't really care to learn more about credit cards, just skip this section. If you're reading this post and you're 18+ (or if you're about to turn 18) and you don't have a credit card or don't know much about credit cards, I think it's a good idea to look into them. I'm not going to tell you exactly what a credit card is since that's an easy google search, but I will tell you about some benefits, especially about those that pertain to the benefits of this post. Credit cards are great because you can essentially spend money just like you normally would*, but you'll also earn cash back on all/almost all of the purchases you make with them. Additionally, especially if you're young, getting a credit card is a really great because it will start helping you build credit. I'm currently looking into renting a house next year with two housemates and I'm shocked to see that neither of them have any credit. They quite honestly couldn't possibly live in a house without me, since I'm the only one who has credit. *Make sure you're paying off your credit card every month (or however often you need)... Don't let yourself get into debt. I'd argue if you think you're going to get into debt with a credit card, I'd personally suggest you don't get a credit card. While you need to be 18 years old to get your own credit card, if you're under 18, you can still start gaining credit. Most major credit card companies will allow your parents to add you as an authorized signer on their credit card (which basically just means that you'll get permission to use their cards). An effect of this is that you'll start gaining credit. If you're looking to build up credit but you don't think you're ready for a credit card, I'd really recommend you ask your parents about becoming an authorized signer. It's a good conversation to have with your parents. Anyways, let's talk about the cash back benefits, since that's what this post is about, after all. There's a lot of credit cards. This post isn't going to list them all out. This isn't really even the right subreddit for credit card discussion. Nerdwallet has a great list of credit cards, so you might want to check it out here, but I'm going to share my own personal situation and recommend that for anyone who might relate, since the average age on this subreddit is around the 18-25 range. My first credit card was the Chase Freedom Unlimited card. I actually still use this credit card very frequently since it's a pretty balanced card. A couple years back on my 18th birthday I went into my local chase branch and physically had to beg for this card (it's a really beginner card, trust me). After getting denied both in bank and online, I finally found a rep who would give me a calm $500 credit limit for the card. Note: I had no credit before hand. The Chase Freedom Unlimited card offers 1.5% cash back on all purchases with the card... so when you think about it, I'd previously been spending $100 at Chipotle every month with my debit card, but with the Freedom Unlimited card, I would now be getting 1.5% cash back ($1.50) back on those purchases. It's just an easy way to save money on everything. If you use the other apps I suggest in this post, you'll likely earn cash back passively from them on certain brands that are featured, but stacking a credit card cash back on top of all the other bonuses is the absolute best way to earn passive cash back since it's usually 1-5% cash back on your purchases.
ReceiptPal is an app that allows you to upload your receipts from almost anywhere that you go shopping. It's actually a really simple process. When you sign up you'll be presented with almost little scratch cards which contains 4 spaces. Each space is filled with a receipt that you upload. Once you reach 4 receipts, you'll earn 100 points. 300/400 points = $1, so basically every 16 receipts you upload you'll receive ~$1. "So, mr Fishering, how is this passive!?" Unlike most receipt apps, ReceiptPal allows you to link your emails and amazon account and they'll automatically upload receipts for you. I actually let this app alone for several months and came back to thousands of points and cashed out instantly. If you make purchases online, you'll essentially be earning ~$0.07 for every purchase you make if you have your email linked. They'll automatically find receipts and submit them, so it's 100% passive earnings. If you also shop IRL you can submit physical receipts as well. You can cash out instantly for $5 minimum in the form of a gift card. I'd recommend saving up at least 7,500 points for a $25 gift card, since it'll value points at 300/$1.
Paribus is not your typical cash back site. Once you sign up you can link your different accounts (such as your amazon account) and it will automatically track your shopping. Paribus doesn't directly earn you cash back... it acts more like Walmart's saving catcher if you've ever heard of that. If an item you buy somewhere goes on sale shortly after or if there's any other discounts/promotions you may have missed when you originally bought something, they'll quietly get you a rebate on whatever you purchased. It can be very hit or miss. The catch is that they do take a cut of your savings. I believe it is 30% for all new users, but for each member you refer you can cut the cut by 5%. If you save $10, they'll charge you $3 to whatever card you have linked. Personally I've found it to be really hit or miss, but I've found some incredible savings. I bought a gopro and I got $15 saved with Paribus, and I also got $50 back from some really nice headphones I picked up on amazon from Amazon. What's weird is I bought the headphones like 6 months prior to the rebate. Was shocking to see it, but I've really had some good luck with Paribus.
After the last post, I noticed a lot of people enjoyed Paribus, so I figured it'd be good to add some alternatives in this post. So, here's Sift. Sift is a similar site to Paribus, and its key focus is on enforcing credit card benefits that many people don't know about. It's actually pretty nice. It'll let you pick your credit card and it'll tell you pretty much everything about your card. I have the Chase Freedom Unlimited card, and I was actually shocked to hear some of the benefits my card has that I have never been taking advantage of. From Sift's site:
We automatically comb through your credit card policies to show you all your benefits in one place. For every purchase we let you know what benefits you are eligible for. We streamline the claim process to make it as simple as possible to get your money back.
You can link your emails as well as your amazon account as well and they'll make it really easy for you. I have not actually used Sift much myself, so I cannot attest to how well it works, but the app store reviews are generally positive for Sift.
Trim is similar to Paribus and Sift, but there's a certain void that it's trying to fill that the other two don't really seem to be filling. Trim's main selling point is its bill negotiations. Instead of trying to save you money when a price drops, they're going to try and just nip it right in the bud and try to get your bills lower. Right now they're mainly trying to negotiate with cell providers, internet providers, and cable providers. Here's how the process goes:
Submit Your Bill: Submit your most recent cell phone, cable or internet bill to get started.
Trim Negotiates: Trim negotiates with your provider to get you discounts on your bill.
You Save Money: Trim takes 25% of annualized savings, but only on success—otherwise, it's free!
So, similar to Paribus, Trim does charge a fee. In a sense, I guess that's a good thing because it gives them an incentive to make sure to get some sort of bill decrease for you so they'll make some money too. Their rate is currently 25% of your bill negotiation. Of course, if they're not able to negotiate your bill for you, you won't pay them anything. Trim does also monitor your bank account for you and they'll notify you of account changes (that you can set). For example, if they see a transaction worth $xxx, they'll notify me that I've made a large transaction. If there weren't already so many other sites/apps that could do that, I'd say that's a great feature that Trim offers.
Hopefully there's some new apps/sites you found out about in this post. If you sign up for some/all of these programs listed, you should probably find yourself earning some pretty decent cash back, depending on where/how much you spend. These apps are very satisfying to watch your balances build up on, and after a while it's very rewarding to cash out and treat yourself. Since the last version of this post, I have removed a lot of shitty offers, that aren't really worth anyone's time. I removed Samsung Rewards since it's been devalued to a point that using their app solely for rewards isn't worth it at all. Samsung rewards is only valuable for non-passive offers that they occasionally have. In this update I added some really great additions, but did remove a previous favorite, Spent, which is currently offline. I'm ready to edit the post if anything changes with Spent, but it's seeming more and more unlikely since the app did go so downhill so fast. As always if you have any questions please do leave a comment or send me a PM! Thanks for reading!
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This week we're talking about virtual reality, testifying with a smartphone, and the supposed inventor of BitCoin. Questions/comments? Call/text 509-AWKWARD or visit awkward.email. Links for this episode:
Today, eBay introduced eBay Wine (eBay.com/wine), a new destination which features the ability to browse collectible, rare and everyday wines based on varietal, region, price point and more, and makes it easier than ever for experts and enthusiasts alike to find the perfect bottle of wine. - Judge Grants Search Warrant Forcing Woman to Unlock iPhone With Touch ID For the first time in a federal case, authorities in a Los Angeles courtroom have issued a search warrant forcing a woman to bypass her iPhone's biometric security using Apple's Touch ID system (via LA Times). The woman in question -- Paytsar Bkhchadzhyan -- was arrested due to charges of identity theft and had previous strings of various criminal convictions. - Craig Wright Reveals Himself as Bitcoin Creator Satoshi Nakamoto The Australian businessman Craig Wright has published a blog post in which he claims to be Bitcoin creator Satoshi Nakamoto. - Microsoft Flow Set up flows that instantaneously deal with critical emails, notify the whole team whenever a work item is updated, or capture, track, and follow up with new sales leads—almost anything, all automatically. - Google Play now labels Android apps and games containing ads Google Play’s Android apps and games containing any type of ad have begun receiving prominent labels within their listings. The label is placed directly below the Install button, accompanied by the existing in-app purchases label when pertinent. - Oculus Rift will be in stores long before many pre-orders are fulfilled "Extremely limited quantities," in-store demos at some Best Buy locations May 7. - The Best Browser Extensions that Protect Your Privacy There are a ton of browser extensions that promise to protect your privacy, which leads to some natural questions: Which is the best? Do they all do the same thing? What should I really download? In this guide, we’re going to look at the most popular browser extensions that promise to protect your privacy online, and give you our recommendations. Buy our book, Bukkake, or Pixel Love Playing Cards! from Supercharged http://5by5.tv/supercharged/106 via IFTTT
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What is Bitcoin? Bitcoin Explained Simply for Dummies ...
If money is only valuable when we believe in it, how much is a BitCoin actually worth? Jonathan explains the virtual currency as well as how to mine it and t... What it really takes to mine a Bitcoin in 10 Minutes. Firstly I'll show you a special free method to mine Bitcoin and send funds directly to your wallet in 1... How to Buy & Sell Bitcoin with Cash App Get Cash App: http://cash.me/app/LWJTDBF (Use this link and we both get $5 free cash) Cash App by Square is a top app... Bitcoin price tracker app - ACrypto - Duration: 1:05. HaKr 1,191 views. 1:05. MUST HAVE Apps for Crypto Traders (Shown on Galaxy S9 Plus) - Duration: 4:43. Fred Yen 13,905 views. 4:43 . How to Fix ... The virtual goldrush to mine Bitcoin and other cryptocurrencies leads us to Central Washington state where a Bitcoin mine generates roughly $70,000 a day min...