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New to online Slots? - Starter guide/tips for newbies playing online slots

Okay so I decided to create this guide with the hopes of it becoming a sticky thread for all newbies to the online slots world, to read as we deal with the same topics repeatedly and the same answers/advice are given repeatedly. Not that we do not want to help, but these would prevent you from getting into situations before its too late, or blaming casinos when you were in the wrong.
Signing up or Registration
Registration – Please carefully read the general terms and conditions about every "Right" the casino has and please note that you accepted these terms upon signing up, which means you are saying you are okay with it and agree with what the casino state about what they can and cannot do.
Claiming Bonuses
Read the bonus terms carefully before claiming any bonuses and look for the following pointers when reading the bonuses rules:
There are other bonus terms that I have not mentioned but I think the above ones are the most important as these could affect you in terms of confiscation of your winnings should you breach any of them.
Verification
This is pretty much standard for a casino to ask for some form of Identification, proof of address and proof of deposit when requesting a withdrawal. Depending on the amount win, some casinos might not need documents, however when a substantial amount has been won additional verification or security checks might be done which means a longer withdrawal time frame. Verification or KYC is necessary, however I feel when casinos ask for selfies with your ID next to you etc. in my opinion is just ridiculous. Also, I have noticed some casinos requesting your source of income to see where you get the money to make deposits etc. This seems standard and you would need to do it to get your withdrawal, however all of us have different opinions about this verification procedure.
Withdrawals
Many casinos have different withdrawal time frames and when you accept the general terms and conditions you have to a abide by them, by this I mean stop being impatient and complain that the casinos withdrawal time frames are the worst etc. As you knew this before you started playing provided you have read the terms and condition. You decided to deposit and play so then wait for your money, eventually it will come unless you breached some rule, or the casino is a rogue casino.
Here are some of the tips you should note when it comes to withdrawals at casinos:
Self-Exclusion
Self-Exclusion is a big thing these days and most cases substantial amounts are involved that are being confiscated. There are at times very little that us forum members or even AskGamblers can do when a player self-excluded and played at a sister website or similar, as we know the result and of course the house is kind of right. However, I think it's bad that a casino only realizes the self-exclusion portion on a player profile once it reaches withdrawal stage, because I feel they should have something in place that can detect that you self-excluded upon registration or before you even make your first deposit. People with gambling problems tend to self-exclude but the alternative is to read this guide - https://www.askgamblers.com/forum/topic/2152-sos-i-am-addicted-to-gambling-what-to-do/ . My advice is to keep your casino account open and do not play there anymore, because even if you request a permanent account closure, some casinos tend to self-exclude you without you knowing it and this would cause problems in future since you opened another account at their sister website or something.
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Omni Slots Casino Review gratis spins and free bonus money!

Omni Slots Casino Review gratis spins and free bonus money!

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About Omni Slots Online Casino

Keep On Spinning is Omni Slots slogan printed on the brand logo. And this slogan is well justified. Just imagine seeing over 500 pokies in the lobby and they are all yours! Hosting games from 10+ vendors, the reviewed gambling destination is a real paradise for Australian users who love pokies. Besides purely game content, Omni Slots has an omnidirectional bonus kit that comprises many types of bonuses, from reload deals to generous cashback, all neatly packed into a catchy monthly bonus calendar. Curious players who are set to improve their gambling skills and deepen their knowledge of gambling are encouraged to jump to the casino blog where over a hundred of relevant articles are posted. Signup process is nothing exceptional – it is safe, goes smoothly and requires the minimum personal details from a player. Once signed up, the player interacts with the casino straight in a browser, no app downloads needed. Findings reveal that Omni Slots have many positive ratings on professional forums, that is why the online casino cannot but be recommended to everyone.

Depositing and withdrawing funds

AUD and other currencies (bitcoins are not in the whitelist) can be deposited using any of the six safe and trusted methods including Visa, MasterCard, Neosurf vouchers, Skrill, Neteller and paysafecard. Min/max transaction limits at depositing are $10/$1000. The max deposit does not restrict the number of daily transfers.
Quite predictably, withdrawals are less comfortable than deposits because their choices are narrower with only Skrill, Neteller and bank transfer used. Anyway, Australians seem to have gotten used to tight cashout options and shrug off this inconvenience. The minimum amount that the player has the right to withdraw is $20. The max amount that the casino is able to process per day (per user) is $5000, but a monthly limit is $25,000. The pending period is 24 hours during which a player can revoke the cashout.
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Omni Slots mobile casino for Australians

When at home or out and away, Omni Slots is always at hand thanks to the well-designed mobile casino that fits almost every mobile device. Thanks to a wide variety of game providers present in Omni Slots, players have lots of HTML5 mobile-optimized pokie choices to suit everyone’s taste.

Video pokies

The casino has integrated some 500 pokies (and counting) from an array of famous providers such as Amatic, Betsoft, Gamomat, Leander, StakeLogic and Wazdan. Three-reel pokies are located in the Fruit Slots section, while 5-reelers are found in the Video Slots tab. First off, a noticeable downside to the game list arrangement is the lack of filters. There is one that helps readjust the list by provider yet it is hidden under the Looking Glass icon for some reason. Some gamblers may not guess to click on that icon because it looks like a Game Search widget.
Pokies from Betsoft are most numerous in the casino collection. Every game from this provider carries the mix of exciting gameplay and visual perfection more typical of modern animated cartoons. Being one of unmatched leaders in the field, Betsoft provides Omni Slots players with a big inventory of fabulous pokies which are full of fantastic bonus features. It is hard to pick the best pokie from many titles; apparently, most of them show excellence in many aspects. Anyway, some of the most tried and true titles are Gladiator, Good Girl Bad Girl, The Slotfather, Mega Gems and The Tipsy Tourist.
Pokies from Gamomat, a German company, are poorly promoted in Australia and they are almost unknown to the general public. Yet their portfolio deserves attention for a few reasons. First, Omni Slots offers Gamomat pokies of the Fire Pot series, among others. These games are known to have six progressive jackpots each: Bronze, Silver, Gold, and others. Second, there is a Golden Nights series that provides for a side bet that unlocks a unique bonus feature with huge prizes. Examples include Royal Seven, Book of Moorhuhn and Fruit Mania.
Leander’s pokies give other vendors some competition thanks to high-quality graphics and interactive bonus features. Some of the most sought-after solutions are Megadeth, Trick Or Treat and Little Pigs. Many of their games have 20 paylines but there are also pokies with 25, 30 and 40 variable lines. Wild symbols in Leander’s pokies usually bring high prizes, for example, in Jean Wealth, five wilds win x5000 times ($50,000 at max).
StakeLogic with their branded Megaways technology are a young and ambitious company offering a variety of highly animated pokies to Omni Slots users. Spectacular graphics and animations are combined with some interesting bonus solutions such as side-by-side games with double reels, double symbols and reel modifiers. Their pokies are on a par with the industry giants and even exceed them in some respect. The most enticing and incredible pokies from StakeLogic are Wild Genie, Space Stallion and Mystical Santa Megaways.
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Table games and live casino

The game of 21 comes in multiple variations including Super Fun 21, Pontoon, Vegas Strip, 21 Burn, Pirate 21 and others. Most games in the catalogue have side bets that pay out hefty wins. Concerning roulette, European, American and French tables are the centerpiece of the Table Games section, yet the casino also features some minor variations of this game such as Multi Wheel roulette and Common Draw roulette.
Live tables in the reviewed online casino are served by Pragmatic Play that offers the most popular table games with realistic and thrilling gameplay. Players get access to quick bets and full betting history, while enjoying the true atmosphere of land-based casinos. Their offer currently includes Live Roulette, Live Blackjack, Live Speed Roulette and Live Baccarat. Combining fun with impeccable state-of-the-art technologies, Pragmatic Play delivers highly immersive games to all AU users who have signed up with Omni Slots.

Omni Slots Casino Bonuses for new users

On depositing the qualifying sum, an Australian player will get a 100% first deposit bonus up to $300 plus 50 free spins. FS’s are not accrued automatically – to receive them, a player needs to send a message to the Support and let them know what kind of platform is used for playing (desktop or mobile). The WR for the welcome bonus is x35 (d+b), whilst FS winnings are subject to a WR of x50. Note that that the bonus is sticky. In addition, all new players who have placed $30 (or greater) to the casino balance are eligible for a 50% second deposit bonus up to $200 (plus 20 free spins) – this has the same WR as above.
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Bonuses and promotions for regular bettors

Players who deposited $20 in the previous week, may claim 10 free spins on Monday, and these bonus spins will be used on the pokie of the week handpicked by the casino. WR for free spins winnings are x50 and winnings are capped at $250.
Every first day of a month, the casino releases a Promotions Calendar that features reload bonuses, free spins, special bonus events, Pokie of the Week promotions, tournaments and other unique perks for each day of the month. The calendar is refreshed at the beginning of every month.

The bottom line on Omni Slots Casino

This is a legal and licensed online casino that invites Australian users to join in, claim two welcome bonuses and play over 500 pokies from a bunch of top-ranked providers. Banking methods are Australia-specific (bitcoins are noy accepted). Being a reliable place with fast and easy payouts, the online casino is recommended for visiting and playing at.
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Casombie Casino 100 free spins and €500 free cash bonus

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ABOUT CASOMBIE MOBILE

The mobile site of Casombie which we will evaluate in this article is not a downloadable application designed in native code. Alternatively, Casombie gives you the chance to use a web browser-based HTML5 app. The main upside of such mobile casinos is that downloading an apk or app via Play Store is not required. You have the option to easily begin to play by going to the official site using your iOS or Android-powered device. As it is developed in a responsive way, the official site automatically adapts to your device, no matter if you make use of an Android smartphone, iPhone, tablet or even a desktop computer. In the listing below you can see compatible devices.
When utilizing a native application, you would need to install software updates or even the latest apk. As a result, even with Casombie being a trustable casino, there may be possible safety hazards. Therefore, if you plan the download of an Apple Swift App file or APK, apart from the Apple App and Google Play Store, you should only do so via the original source. This advice is not just essential for casino apps. Moreover, it is technically very complicated to attain or, in our view, close to impossible to integrate such a huge number of slots (reminder: more than 2.709!) into one native app. However, an upside of this SSL128 encrypted Casombie progressive application is, that players have the opportunity to conveniently utilize it with any device with Chrome, Firefox, Safari or another HTML5 browser.
The current portfolio of games studios includes Pragmatic Play, Play’n GO or ELK Studios and more than 30 further game studios.
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PAYMENTS & CUSTOMER SERVICE

Trustly, Skrill, Bank Wire Transfer, Visa or Bitcoin are a few examples for the payments that are currently available for your deposit at Casombie mobile. The availability of every payment provider is dependent on your location. Dependent from the payout option, the casino may need a few days to carry out your payout for processing and safety reasons. Good to know: Your withdrawal at Casombie is free of charge as the casino does not charge a withdrawal fee.
Casombie customer support can be contacted 24 hours per day and will help you if you have any questions around the web app. You can do so by writing a mail to [email protected]. In addition, the casino provides the web form and the chat service. According to our tests, the customer care normally replies within a short period of time.

CASOMBIE BONUS

New users running the Casombie app can claim a Bonus of up to €500 (100%) and 100 Free Spins after finishing the registration process. You need to deposit not less than €20 to activate this welcome offer. As a component of the requirements, you need to wager the bonus money 35 times and your deposit amount 35 times within 10 days. Furthermore, the casino has set turnover requirements of 40 timesx for your Free Spins winnings. You do not have to add a signup code in order to profit from your new customer offer. The new customer package can be activated by all new players, no matter if you make use of the desktop site or the application. In order to avail from this new customer bonus without any problems, check the whole terms and conditions beforehand.
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CONCLUSION ON CASOMBIE MOBILE

Casombie mobile is compatible with all regular devices and easy to use for new players and experts alike. Moreover, a secure gaming experience is assured thanks to the up-to-date security technologies of this web app. Any smartphone you prefer can be used to start and claim the Casombie bonus!
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LAS VEGAS STYLE CASINOS

LAS VEGAS STYLE CASINOS

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7 Melons Casino 7€ free bonus no deposit required

7 Melons Casino 7€ free bonus no deposit required

7 Melons Casino Gratis Spins and Free Bonus
Grab 7€ free cash bonus when you open your account at 7 Melons Casino! This promotion is open to all Swiss players. No deposit required! Play online and win real cash! Mobile OK! Fast payments!
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7 Melons Casino Review

Feel free to go through this 7 Melons Casino review to find out all the available promos up for grabs. Also, how to qualify for the available bonuses, what games are on offer, and many more.
How does the platform rank against other Switzerland-operating bookmakers? Is it worth signing up with the 7 Melons casino? You’ll be able to tell in just a few minutes!

Welcome Bonuses

At the time of this writing, the online casino does not offer any signup deals. This is quite rare given what is available out there, especially given the fierce competition.
7 Melons casino is one of the very few operators that do not welcome new players with an enticing bonus. Nor does it pamper its existing players with any type of promo, other than the Loyalty Club.
We believe a welcome offer is a significant factor to consider when a player is thinking about registering with an online casino or not. The absence of one forces us to give the 7 Melons review of the welcome bonuses a one-star rating out of five.
Nevertheless, chances are we’ll see some changes in the offerings of this operator in the future. That is if they want to get a share of the market pie.
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7 Melons Casino Games Offer

From Gothic vampire stories like Fortunium and Immortal Romance to action-packed adventures featuring spies (see Agent Jane Blonde) the 7 Melons slots sections seems to be quite abundant. You will also find classic slots, the likes of Showdown Saloon, Dragon Shard, Jurassic World, and Ariana, to immersive video slots.
As for those loving table games, they won’t be disappointed either. Expect lots of poker and blackjack variants, though we did miss the baccarat and roulette options offered at other platforms. As for video poker, the simpler and quicker version of table poker, the offerings are relatively intriguing.
Nevertheless, the 7 Melons games Video Poker client, it is designed to familiarise players with the standard hand rankings. This gives them a great boost of confidence before they can move to the more complex versions.
Of course, lacking a Live Casino client is a big minus for an online casino. Although the operator does mention live dealers, we could not find any live casino game in the current platform. Perhaps, adding a live dealer section is soon to be launched.
Finally, let us note that players’ RTP, which can reach the astounding 99.9% (see Classic Blackjack Gold table game and Jacks or Better video poker), with an average of 96.5%, which is more than satisfactory.
7 Melons review of the 7 Melons games offer: Satisfactory number of 7 Melons slots, good table games offerings, nice video games section. Great RTP %. No roulette or baccarat options. Not all the most popular slots are on offer. No live casino.
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7 Melons Casino Promos

The online casino operator hosts an exciting Loyalty Points system that rewards the most enthusiastic players. The more you play, the more Loyalty Points you earn, and the more you move up the Loyalty ladder. Each Loyalty Status comes with its special benefits, including extra % Loyalty Points on your gameplay.
The great thing about 7 Melons is that you instantly receive 2500 loyalty points immediately after making your first deposit. Of course, you will need to have a verified account before you can proceed. Now, you can redeem every 5000 loyalty points you earn for 5 CHF. Take note that unredeemed loyalty points expire within 60 days of accumulation, though.
As for those wondering, the Bonus Loyalty Points and the Level Loyalty Points that are both offered by 7 Melons casino are two different things. Truth be told, they both share the same value for redemption purposes. However, the Bonus Loyalty Points are points earned from Level Bonuses and Loyalty Specials and don’t count toward your level-up progression.
That being said, players will not find any other promotions to feed their gaming passion.
7 Melons review of the 7 Melons games promos: No 7 Melons casino bonuses for existing players. Great Loyalty Scheme with a sweet offer of 2500 free loyalty points after registering and making your first deposit.
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7 Melons Software and Ease of Use

Powered by the best software, the platform is compatible with iOS, Android, and other tablets and smartphones. You do not need to download an app. Simply use your mobile browser (works great with nearly all browsers) to play on your device. The implementation of HTML5 technology guarantees smooth play and good results in any browser you may choose.
Also, expect the same special features, game selection, and eye-catching graphics of the desktop version. Players on the go preferring to download an app may consider the lack of this option a letdown, though. All in all, the online casino seems to have taken nearly all measures to please its mobile customers.
7 Melons review of the software: Compatible with all devices. Fully-functional mobile site. Same gaming experience, services, and features as the desktop platform. No app to download.
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7 Melons Casino Payment Options

7 Melons casino accepts the following deposit and withdrawal methods:
  • Visa Debit card
  • MasterCard
  • Maestro
  • Paysafecard (only for deposits)
Unfortunately, the operator does not provide any further details, such as minimum deposit/withdraw amounts and transaction fees and timetables. This kind of information would have been greatly appreciated since players need to know key information regarding their transactions.
That being said, all the most-used funding options in Switzerland are right there. Perhaps, the addition of e-wallets could make things even easier for players.
7 Melons review of the funding methods: Good range of payment options. The most popular Switzerland methods are included. No e-wallets. No banking details.
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7 Melons Casino Customer Service

7 Melons casino offers 24/7 Customer Support four different languages (German, English, French, and Italian). The operator has a team of expertly trained professionals that provide Live Help assistance. You may contact them whether you have a 7 Melons games question, 7 melons slots query, or another issue or concern, using:
The operators are friendly and knowledgeable. Also, the response time is very satisfactory (almost instant replies to Live Chat enquiries), according to online reviews regarding the casino’s customer support department.
No telephone support, however, is being provided. This could be a downside for those wanting an instant reply to their question(s) over the phone.
7 Melons review of the Customer Service: Fast and easy communication via Live Chat or email. No telephone line to call.
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Our Verdict

New players will not find a 7 Melons slots welcome bonus or any other signup deal so to speak. However, there is a whole lot to be thrilled about registering with 7 Melons. To begin with, you are welcomed with a wealth of 7 Melons slots, video games, and classic casino games options.
You also get to experience stellar mobile endeavours that lack nothing of the features and functions available on the desktop platform. Lastly, you have a wide range of payment methods and a fast and friendly Customer Service. And, let’s not forget the Loyalty Scheme that rewards with redeemable loyalty points for doing what you like the most – playing games.
On the flip side, we would love to see a Live Casino and mobile app coming to the forefront shortly. Of course, the addition of more popular slots games and promos for both new and existing players would be a huge plus for the online casino operator. All things considered, the online casino receives a total of 3.2/5 rating, which makes it a platform worth exploring.
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Rembrandt Casino €5 FREE bonus on sign up! No Deposit Required!

Rembrandt Casino €5 FREE bonus on sign up! No Deposit Required!

Rembrandt Casino Exclusive Bonus
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Rembrandt Casino Introduction

For a fantastic casino experience that’s about more than painting a pretty picture, players can do more than taking a look around the Rembrandt Casino. Get ready to become a master of online gaming at this casino which is named after the famous Dutch painter. Rembrandt was known as one of the greatest masters of visual arts in our medieval history. Whether you are a big fan of the artwork of this painter or not, we are sure you will have a great time at this casino. Here, you can find more than 200 entertaining games at your disposal.
The different games at Rembrandt Casino are available from reputed software brands in the iGaming industry. Some of the popular names include Microgaming, NetEnt and iSoftbet. Here, you will find a massive selection of games for countless hours of fun and entertainment. The casino receives a license from the Malta Gaming Authority, known for its strict security regulations. The website language is available in English, Swedish, German, Norwegian and Finnish.
As a new player, you will be eligible for a nice 100% welcome bonus up to €200. This bonus money can serve as a welcome foundation for your casino journey towards crazy promotions and jackpots. There are several ongoing promotions where you can participate and increase your bankroll to multiple times. The customer support is one of the best and players get numerous banking options to deposit and withdraw funds. Check out our comprehensive Rembrandt Casino Review below to learn more.
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Rembrandt Casino Welcome Bonus

Offering a series of exciting and innovative promotions is a crucial resource for any casino to retain their players. The welcome bonus is one of the important parameters where online casinos try to outbid each other. At Rembrandt Casino, you will find a generous 100% match bonus up to €200 available to new players after signup. You can activate the bonus after making an initial deposit not less than €20 in your casino account. As a result, you will have a starting balance of at least €40 in your account to start real play gaming.
All winnings from the welcome bonus money should meet 30 times wagering requirement before you can request a withdrawal. However, the casino offers a unique feature in the form of ‘Buy Off’ option. With the help of this feature, you can request a withdrawal with the already wagered funds. Hence, you don’t have to wait for the entire funds to wager or lost in the pursuit hereof. The wagering requirement of different games at Rembrandt Casino are as follows:
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  • Online Slot Titles: 100%
  • Roulette, Table & Live Games: 10%
  • All Other Games: 20%

Rembrandt Casino no deposit bonus

If you are a new customer Rembrandt gives you, when you sign up, 5 euro for free to try out the casino. You can use it to play the different games they offer so you can discover your favorite game. No deposit required!! You can also use the welcomesbonus afterward. So your first deposit will be doubled as well!

Rembrandt Casino Free Spins and Other Promotions

While accessing the Promotions section at the casino, you will find several attractive deals and offers. When you click on the promotions, you will be slightly disappointed as none of them are active at the moment. Most of the promotions were active at the beginning of the year 2019. Some of the examples of the promotions include Berry Burst Weekend and Finn’s Weekend Fun. These offers have expired, and there is not enough to come after in the promotions section of the casino.
At the time of writing this review, Rembrandt Casino was offering a great promotion on the Dead or Alive II game. You can earn 12 free spins on this popular slot game after a minimum deposit of €20. If you deposit €30, you can a 30% bonus up to €200. Alternatively, if you deposit €40 or more, you can earn 40% bonus up to €200. You will be eligible for any of these above three offers on the slot game, not all of them.
We recommend players to visit the Promotions section of the Rembrandt Casino. They offer a weekly and monthly calendar about the latest deals and other promotions. The offers can be in the form of free spins, bonus credits, no deposit bonus or tournaments. Check the promotions regularly so that you don’t miss out on anything. You can subscribe to the monthly newsletter where the operator will send mail regarding the latest deals and offers.

Rembrandt Casino VIP Program

At the time of writing this review, the operator doesn’t offer any unique VIP Program for the regular players. Also, there is no Loyalty Program where you can earn comp point and redeem them for attractive rewards and cash prizes. It is one area where Rembrandt has to work if they want to compete with the best online casino operators.
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Rembrandt Casino Game Offer

Rembrandt can manage a high-quality game portfolio which is both interesting and entertaining at the same time. The games are available from the best software providers in the industry across online slots, table games, and video poker. The game lobby is further broken down into titles available from different software brands. At the same time, the website is easy to navigate, and a search bar helps in finding games quickly. This feature comes in handy while exploring the vast catalog of slots available at this casino.
In the video slots category, Rembrandt features some of the most fascinating and alluring games. You can choose from several high definition bonus slots from NetEnt and BetSoft. Some of the favorite games include Jack and the Beanstalk, The Slotfather and Sushi Bar Slot. If you enjoy 3-reel slots, then you must check out titles like Lucky 8 Line Slot and Jackpot 6000. The only drawback is the unavailability of big progressive jackpot games.
The variety of table games is quite impressive, and you can choose from multiple Blackjack and Roulette variants. You should check out titles like Double Exposure Blackjack, French Roulette, Caribbean Stud, Red Dog, Oasis Poker and Texas Hold’em. There are four video poker variants available namely All American Poker, Joker Wild, Deuces Wild, and Jacks or Better. Other specialty games include Treasure Hunt and 7 Gold Scratch. Also, there are five variants of Keno and one 3D virtual racebook game available.

Rembrandt Live Casino

The casino has integrated live dealer gaming on its website for immersive gameplay. Now you don’t have to set foot outside your home as you can get nonstop entertainment in your living room. You can access live games across multiple variants of Blackjack, Roulette, and Baccarat. The games come with vibrant graphics and are video streamed directly from the land-based studios.
The games are available from Evolution Gaming which is a top-notch software provider for live gaming. A real pit boss will monitor all activities of players and use the same rules available at the land-based casinos. Live casino feature is available 24/7, and you can play at any time depending upon your preference and comfort zone. Also, there is a Chat feature available where you can interact with fellow players and dealers.
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Rembrandt Mobile Casino

Given the massive game list, it comes with no surprise that mobile gaming at the casino is very detailed. Although no app is available for smartphone users, their website is highly mobile responsive. The operator designs all games with the latest HTML5 technology making it accessible across multiple devices.
As long as you own a smartphone running on iOS or Android with decent internet, you can play games smoothly. All games are available in Instant Play format meaning you don’t have to download or install anything on your device. It makes the mobile site hugely functional especially for players who want to access games on the go.

Rembrandt Casino Payments

The casino offers a plethora of banking methods for hassle-free deposits and withdrawals. These include an excellent selection of commonly used payment processors and innovative tech-based ways like e-wallets. For deposits, you can choose from Trustly, Zimpler, Sofort, Bank Wire, PaySafeCard, Neteller, Skrill, Visa, and MasterCard. The same banking method is available for withdrawals except for Visa and MasterCard.
The casino does not accept payment cards for processing withdrawal requests. Deposits are instant, and the operator updates the account balance every 5 seconds. You have to wait for five business days for the money to arrive in your bank via withdrawal request. The casino implements a withdrawal limit request of €1000 weekly and €2500 monthly. It means you might have to wait for several months to withdraw a significant amount.
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Rembrandt Casino Customer Support

Should you experience any problems regarding gameplay, you can always contact the customer service at Rembrandt Casino. Representatives are working round the clock for any help or assistance. They feature Live Chat support where you can get in touch with representatives and get an immediate response.
The Live Chat feature is available between 12.00 and 24.00 CET throughout the week including weekends. Telephone call back support is available for only the elite and VIP players. In the event, if you need help outside business hours, you will have to fill out an online contact form. You can expect a reply to your queries within 12 hours.

Rembrandt Casino Reliability and Security

The casino is extremely committed towards player privacy and complies with the data protection laws. Rembrandt processes the personal data of the players lawfully and in accordance with the good practice as per industry standards. None of the information of the players is transmitted outside the organization for any commercial purpose.
They utilize 128 bit standards SSL technology to encrypt the sensitive data of players. At the same time, the casino undergoes regular audits from independent game testing agencies. All games are fair and random without the involvement of foul gameplay. All slot titles come with unique Random Number Generator.
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Summary

The website of Rembrandt is extremely user-friendly due to inbuilt navigation bars and menus. You are just a few clicks away from any important action. The collection of casino games is quite diverse and meets the demands of every type of player. Whether you prefer slots, table games or live gaming, all features are available here under one roof. The casino receives a game license from Malta Gaming Authority which is a good indication of safety and reliability.
Further, the casino’s constant focus towards secure gaming and RNG makes all games fair and random. You can access the website across multiple languages apart from English. One area where we want the casino to improve is in the VIP Section. There is no VIP Program available for the loyal players and high rollers. We highly recommend Rembrandt Casino for both newbie and experienced players. Register an account today and start playing your favorite games for free or real money.
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Kozmo Casino 10 free spins bonus no deposit required

Kozmo Casino 10 free spins bonus no deposit required

Kozmo Casino Free Spins and Welcome Bonus
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Kozmo Casino Review

Kozmo Casino is the newest online slot site in the galaxy and it is aiming to rocket right into your heart. Kozmo Casino is from the same people behind 888 Casinos, one of the largest and most recognised online casinos in the world. With that kind of backing you expect something pretty special and while Kozmo Casino may not be truly out of this world, it more than does the job.
Kozmo casino first launched into orbit on the 29th of September 2017 so it is a really fresh enterprise right now. The site has a notionally space theme which is mostly reinforced through Kozmic language and phrases rather than by any particular design elements. To be clear, the design of the site is functional and easy to navigate but it simply doesn't give credence to the idea that Kozmo casino is truly cosmic in nature. Instead its origins seem to have been a fairly standard website template from the planet known as Earth.

About Kozmo Casino

Kozmo Casino is operated by members of the 888 group and is headquartered in the fair island of Gibraltar. Specifically Kozmo is ran by Cassava Enterprises and Virtual Digital Services Limited which operate under a Gibraltar gaming license as well as 888 UK Limited which is regulated by the Great Britain Gambling Commission. The company is perhaps best known for their 888 casino and poker site which has been running since 1997. 888 has been the subject of a few large merger discussions including high street bookmakers William Hill and Ladbrokes but thus far nothing has come to fruition.
Kozmo Casino is crammed full of graphics and a rolling banner which showcases some of the main offers, promotions and benefits of the site. In that regard we might assume that some of the most pertinent and interesting information about Kozmo is featured there. Right now they boast that 300 slots are available at Kozmo, that you can play Kozmo from your mobile or tablet and that you can get up to 50 free spins a day. The more you play the more spins you get. The site further boasts that it only takes 2 minutes to sign-up so it isn’t overly taxing to get set-up and ready to play.
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Kozmo’s Banking

As always with online casinos and gambling sites it isn’t the signup process which is the most complicated aspect of the process, but rather the banking and withdrawal process. Kozmo casino makes it simple enough to see the payment forms it accepts with a list at the very bottom of the landing page. Visa, Mastercard, Neteller, Paypal and Entropay are amongst the types of payment accepted. When it comes to withdrawing sums of money Kozmo do a good job of explaining the process on their FAQ.
They are very upfront about exactly how long it takes for money to reach your bank account after a withdrawal. This depends exactly on how the money was deposited to Kozmo in the first place and varies from 3 days for Mastercard payments to 10 days for wire transfer. A good rule of thumb is is the payment will take 3-5 working days to reach you. Caution however, cheques issued by Northern Bank may take up to 21 days to clear for people outwith Europe. Best to avoid this deposit method if you need to collect any potential winnings in a hurry.

Kozmo Casino Bonuses

As with any online casino there are incentives for signing up and Kozmo offers a cash match bonus of £10 when you deposit £10. It further offers 10 free spins as part of the same offer. It is safe to say that this promotion may not excite more hardened gamblers, it seems designed to attract casual punters with a bit of something for nothing. For the casual crowd just beware a little, as you shouldn’t think about collecting that £10 bonus too quickly.
That £10 needs to be wagered a minimum of 35 times before it can be cashed out. If you have ever had a welcome bonus from one of the other sites in the 888 stable of casinos then you will not be eligible for a sign-up offer. The site further claims to have daily free spins with no wagering requirements but fails to go into any detail about how this process works.
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Plenty to Enjoy

Slots on offer at Kozmo casino include titles such as Irish Eyes, Jack and the Beanstalk, Jungle Spirit, Enchanted Prince, Starburst and Rainbow Riches - a slot UK punters will be familiar with from its ubiquity in high street betting shops. Some of the other titles appear a little more generic but in a total selection of over 300 slots that is to be expected. There is also an arcade looking 80s retro slot called Arcader and a slot tied to Casper the friendly ghost titled Casper’s Mystery Mirror.

Numbers and Forms

Kozmo casino makes a big play of being a supportive and helpful site. As well as accepting what they refer to as a constellation of payment methods they further enforce this by saying your details are thoroughly secure with them. In the UK they have a toll free help number between the hours of 9am and 1am, but for elsewhere in the world there is a form to complete in order to receive a response. Despite the fanfare regarding help and support this may take up to 72 hours to receive a response from. It is safe to say that the support side is not a 24/7 service for anyone who only deals with the firm through online methods.
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Kozmo Casino in Conclusion

As a fresh face in the online casino marketplace Kozmo does just about enough to distinguish itself from the rest. The space theme makes for a good working concept and this is followed through in the descriptions and wordplay on the landing page. Sadly, this level of effort has not gone into the graphical design of the logo or anything else here. The site is completely functional if nothing else.
With a £10 sign-up bonus and free spins the site doesn’t offer a huge amount of incentives for signing up so the main strengths seem to be a large array of video slots to choose from. The other plus point of the site is that the financial side of things seems safe and secure enough to give punters some confidence in what they are getting into. In a crowded marketplace of online casinos launching a new brand is quite an undertaking, especially if you want it to get really get noticed. With that being said the question remains whether Kozmo casino has enough escape velocity to break free of the atmosphere and launch into orbit or whether it will come crashing down to Earth with a bump.
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16 Apps That Will Earn You Passive Cash Back (Best Passive Saving Apps 2020)

This is the updated 2020 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.
Note: Most of these apps will be US only, with a minimum age requirement of 18.
Having said that, let's get right into it.

16 Passive Cash Back Apps 2020

Pei (Ref)

Pei is an automatic cash back app. 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. Pei deserves the top spot in this post because of how consistent it is, and just how many places you can earn cash back with it. You can cash out instantly as soon as you reach $25 in your account. If you sign up with a referral code, you'll get a $2.50 bonus once you spend at a Pei merchant. You can use the referral code found on the most common Beermoney Sites thread here.

Pros of Pei:

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.
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 up to $100 (but usually way less).
Pei Also just released a new feature called "Party Cash". Basically with Party Cash if you ever go shopping somewhere with your friends who also have Pei, you can start a party, and for each friend you shop with, each person will get a +1% bonus. For example, if I go shopping at Target with 2 other friends and we all start a Party Cash on Pei, we'll each get 1% (for usual cash back) plus 2% cash back from Party Cash, for a total of 3% cash back.
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.

Dosh (Nonref)

Ref: KJK6

Dosh is one fastest growing cash back apps on this list. Similar to Pei, it's a card linked program where you'll automatically earn cash back when you shop at several local and national brands. On average you'll earn 3-5% cash back when you shop at the brands featured on Dosh. As soon as you hit $25 in your balance, you can cash out to PayPal.
The biggest downfall of Dosh is that the offers in the app change frequently, and the offers are targeted, meaning that not everyone will see the same offers.
Below are some of the current offers for instant cash back that you might find on Dosh. Note that only instant cash back offers found on the app will earn you cash back automatically when you spend with your card.
Dosh also does have a generous referral program where you'll get $5 when you sign up and link a card, and so will the referrer. If you'd like to, you can enter my code, KJK6 or use my referral link (nonref)
BTW, If you've heard of Dosh before, that might make sense. If you use Venmo and have the Venmo debit card, they recently introduced Venmo Rewards, which is powered by Dosh.

HOOCH Rewards (Ref Link)

HOOCH has earned the number 3 spot on this list this time around because of all the programs on this list, it has remained consistent. HOOCH will automatically earn you cash back when you link a credit/debit card whenever you shop at several national brands.
If you understand how Pei or Dosh above works, 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:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle
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%)
  • Refer friends
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 signing up, as well as $1 for the referrer, as well as a 20% bonus on their earnings for life. Here's my referral link, and a nonref link :)
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.

Bumped (Sign up & join waitlist!)

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.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 0.5% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Ride Sharing 0.5% at Lyft
0.5% at Uber
Superstores 1% at Target
1% at Walmart
Telecommunications 0.5% at AT&T
0.5% at T-Mobile
0.5% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 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.

Bits

Bits (of stock) is very similar to Bumped. It's better in some ways, but worse in most.
Similar to Bumped, there's a waitlist. Note that Bits is currently only available on iOS, but they have teased a version for Android will be coming.
So, here's the issue with Bits...
There's no brokerage accounts set up.
If you're not sure what that means, basically in order for you to actually own and trade stocks, you'll need to do it through a brokerage account. For example, if you use Robinhood, you own a brokerage account at Robinhood. If you use TD Ameritrade, you'll have a brokerage account at TD Ameritrade. So basically the app will say that you're getting stock back as you spend, but there's no way to actually sell your stock. Basically what I'm saying is that until the brokerage account is added, you're really just receiving play money. Bits has been extremely silent about the release of the brokerage accounts... I asked them back in December and they said they were aiming to release it "next month". Three months have passed since then, so I asked last week and they again said the same thing.. the goal is a release next month (April). We'll just have to wait and see. The point here is -- assume you're not earning anything with Bits until they add the brokerage accounts. This post will be updated once the accounts are added.
So, as for the actual cash back from Bits, you're able to choose 15 brands (that you can change at any time). I'll list the brands you can choose from below. What's interesting is that when the app first launched, all of the brands offered a 2% CB rate (which is unsustainably high). The rates have since come down to 0.5% for all brands.
To save characters, here's a recording of me scrolling through the brands offered. If you don't want to watch that video, just know that there are a lot of brands to choose from.

Ibotta (Ref Link)

Ibottais a cash back app that has been around for years, but this is its first time being added to this list. When the app originally launched, you would earn on the app by selecting cash back products that you could purchase and receive a rebate. Once you selected products you wanted to purchase, you would then scan the products after purchasing them to confirm your purchase, and then submit a photo of your receipt.
That doesn't sound too passive, now, does it?
Well, over the last little while, the app has come a very long way. In most cases you no longer need to select rebates you want to purchase, and in most cases you don't even need to scan a receipt, if you're shopping somewhere where you can link a rewards membership.
For example, I shop at Meijer and Target primarily for groceries. Both of these stores allow me to link my accounts with the stores, so for Target any time I shop and spend using a credit card that is linked to my Target account, I'll get cash back automatically. Same thin for Meijer. As soon as I enter my mPerks phone number, I'll get cash back.
What's great is that you don't even have to select offers anymore. So this is one of those cases where you might accidentally get cash back. Also, just to clarify, you're getting cash back for the products you purchase, not the place that you're shopping... which is different than most of the other apps featured on this list.
Even if you don't purchase a product that qualifies for a rebate, you'll probably find yourself earning cash back almost every time you shop because Ibotta has several "Any" offers, meaning any time you buy "any" kind of a product, say.. blinker fluid, for example, you'll earn cash back for your blinker fluid purchase regardless of the brand. These offers are optimal for cash back.
I personally went a whole couple months without opening Ibotta and I showed up to $50 in cash back from purchases I didn't even know I was getting cash back for.
Another newer feature of the app (which isn't passive) is Ibotta Pay. Ibotta Pay is basically just a glorified way of purchasing gift cards and receiving cash back for the gift card purchase.
In addition to this cash back, you'll also find several bonuses where if you redeem x offers, you'll get a certain $ boost. For example, I currently have an offer for a $10 bonus if I redeem 14 offers before the bonus expires in just a few days. I've redeemed 2 so far, so I'm not sure if I'll be getting there in time. (BTW, if you're ever cutting it close, just note that Ibotta Pay will work where each gift card purchase will qualify for a completed offer ;))
Ibotta also does have a generous referral program. They do referral offers very frequently where you can earn bonuses, but the current offer is $4 for each friend you invite. Please consider using the referral link found in the Most Common Beermoney Sites thread.

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.

Cash App "Boosts"

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,
  • $5 Off One Order on DoorDash
  • 10% Off One Visit at Any Grocery Store
  • 10% Off One Visit at Dollar Tree
  • 10% Off One Visit at Walgreens
  • 10% Off One Visit at Nike
  • 10% Off One Visit at Walmart
  • $5 Off One Ride at Lyft
  • 10% Off Each Visit at Bath & Body Works
  • 10% Off Each Visit at Playstation Network
  • 10% Off Each Visit at Xbox
  • 10% off Each Visit at Chick-Fil-A
  • 10% Off Each Visit at Taco Bell
  • 10% Off Each Visit at Dominos
  • 10% Off Each Visit at Portillo's.
Boosts tend to change every Friday, but several boosts will remain for a long period of time. The longest lasting boost, which just went away in the last week is the $1 off Any Coffee Shop. It stuck around for almost 2 years, and anyone who had that boost applied would automatically save $1 every time they shop at any coffee shop, without any interaction.
So there are quite a few things I want to say & clear up.
  1. You can use a boost every 1 hour.
  2. You must select the boost that you'd like to use prior to the purchase. 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.
  3. 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.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
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.

Venmo Rewards

Venmo recently announced Venmo Rewards.
Take what you know about Cash App's boosts and then apply something similar to Venmo's debit card. Venmo Rewards is actually a bit easier than Cash App's boosts because it truly requires no input from you whatsoever. The tradeoff is that the cash back rates are lower. If Cash App's average discount would get you 10% off, Venmo would be about 4%.
So here's how Venmo Rewards works:
Simply use your Venmo card at participating merchants—stores you know and love— to earn rewards. Zero setup required. See list of participating merchants in the app.
  1. Get a Venmo card Learn More
  2. Swipe your card at participating merchants
  3. Automatically earn cashback straight to your Venmo balance. (Seriously. That’s it.)
As mentioned above in the section about Dosh, Venmo Rewards is powered by Dosh, and similar to Dosh, the cash back options are targeted. I personally can't use Venmo so I don't have the current list that most people will be seeing as far as opportunities go, but Venmo Rewards originally launched (in November 2019) with the following CB opportunities:
  • 5% Target
  • 5% Sephora
  • 5% Wendy’s
  • 4% Dunkin’
  • 5% Chevron
  • 4% Sam’s Club
  • 5% Papa John’s
Evan on DoC commented earlier this month with their updated CB opportunities:
Dunkin Donuts 4%, Sephora 5%, Macy’s 4%, JCPenney 5%, Sam’s Club 4%, 1-800-flowers.com 15%, Papa Johns 5%, Forever 21 4%, Frank and Oak 5%)
  • 4% Walmart & Walmart Grocery
  • 4% Dunkin'
  • 5% Sephora
  • 4% Macy's
  • 5% JCPenney
  • 4% Sam's Club
  • 15% 1-800-Flowers.com
  • 5% Papa John's
  • 4% Forever 21
  • 5% Frank and Oak
What I can make from this is that the options have not changed much, and have actually expanded, with a couple exceptions. If you're a Venmo user, I think this is a pretty decent reason to get the debit card. The 4% at Sam's Club and Walmart is a pretty good deal for most people, especially if there are no limits to the cash back you can earn.

Empyr Apps

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.
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.
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.

Drop (iOS | Android)

Ref = fish

Alright, so Drop has gone through a lot of changes since the last time this post was updated. Drop used to be the best passive cash back app without any debate. It was also one of the first apps to offer a card link cash back program. Over the last several months (and years), their card link program has seen several devaluations. First they removed brands you could pick from to receive cash back (for example, when I first joined, you could choose to earn cash back each time you shopped at Amazon, but new users would later not see Amazon as an option). They later lowered the cash back rate. For example, Target went from 1%, to 0.2%. And finally they limited new users to pick from 5 brands to receive cash back at to just 3.
In February 2020 Drop announced a change to the way their card linked cash back would work..
They since have removed their 'power offers' (the offers where you automatically earn cash back at brands), and have replaced it with card link 'Challenges'. These challenges have just recently launched, so it's hard to tell whether or not these will be passive or worthwhile altogether. I currently have one ongoing challenge where if I spend $10+ at Target with a linked card, I'll get 250 points ($0.25), which is pretty insignificant.
As far as I can tell, they seem to have ditched all other forms of card linked cash back from their app. If the challenges turn out to have nothing passive about them, or have no proof of being worthwhile, Drop will likely not even be on this list the next time around.
So let's talk about some features of Drop since we're on the topic.
Drop has clearly moved away from passive cash back, and has focused more on becoming a cash back app in the form of portal earnings and specific offers. Several of these offers are unique to drop, which is good, but when it comes to portal cash back, the rates are often on par or slightly below the offerings you could find on Cashback Monitor.
Another thing about Drop that people are (rightfully) upset about is the change that now requires you to save up $25 worth of points (25,000) in order to cash out. The minimum previously was just $5.
The only feature about Drop that hasn't been nerfed to the ground is their referral program. When you refer your friends you'll earn $5 once they link a card, and they'll get $5 as well.
Overall I'm not too hopeful that Drop will remain passive at all, so this might be the app's last appearance on this list for the foreseeable future.

Credit Cards

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

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

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.

Sift (iOS | Android)

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 Savings

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.

Conclusion

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.
In this update I added some really great additions like Ibotta, Venmo Rewards, and Bits, but I am very sad to see the turn that Drop has taken. I have been tipped off to some upcoming passive cash back opportunities that will be coming very soon, and I can't wait to share those and hopefully add them to this list in the near future.
As always if you have any questions please do leave a comment or send me a PM!
Thanks for reading!
  • Follow me on reddit: Fishering
  • Read my other posts!
  • Please send me PMs with any questions you have about anything, or even just PM me if you want someone to talk to.
submitted by Fishering to beermoney [link] [comments]

Set & Forget: 19 Programs For Passive Income w/ No Effort ($75+/Month 100% Passively)

Hi everyone, this is a very loaded post. I'm going to start off with a few warnings and assumptions that this post will be making.
  1. If you're not in the US, not all of the programs listed in this post may be available to you. Please read through the TOS/FAQ of each program to understand if it will work in your country or not.
  2. Many of these programs will require you to be at least 18 years old.
  3. A majority of these apps will require you to own an Android device. Sorry iOS gang.
NOTE: This post contains many apps/sites/extenions that exist solely to take your personal information/data and use it to make money. If this is something that you're not comfortable with, I'd honestly suggest skipping this post. I've personally vetted every program listed here, and I've indicated at the top of each subsection if the program in question is heavily invasive. There are some really sketchy programs in this post. Some of them even I won't use, but I'm including them here anyways because I know that some people will still be interested in them. Programs that are that are too invasive or just plain illegal, however, won't be included.
Use each of these programs at your own risk.

Table Of Contents

Platform App/Site
Mobile Mobile Performance Meter
McMoney
SMS Profit
Money SMS
ControlMySMS
HyperDrive
AppOptix
Panel App
Smart Panel
MobileXpression
Nielsen Mobile Rewards
SavvyConnect
ReceiptPal
Achievement
Desktop Conversationally
UpVoice
Brave Browser
FluidStack
Loginhood

15 Set & Forget Programs Q3/4 2019

So, let's talk about the real passive income makers. Set & Forget programs are amazing because they actually require either no interaction, or so little interaction that a grand majority of people do it naturally. None of the programs listed here will require you to spend any money. If you're looking for passive cash back, I've discluded those types of programs from this post, even though these apps would be closely related. **If you're looking for passive cash back, check out this post here for that.
So, let's get into it. I've categorized everything, but nothing here is really in any other particular order. So read through it all and consider things that catch your eye :)

Mobile Programs

These are programs that are done from your mobile device. Note that most, if not all of these will only be available on Android.

Mobile Performance Meter (Android Link | Ref Link)

Edit: as Fletchicus points out, the minimum daily earnings from MPM are 5 points per day.
Mobile Performance Meter is an example of a perfect, classic set & forget program. After installing this app, you'll begin to receive anywhere from 10 5-30 points per day (1 point = $0.01) that you can then cash out for instant gift cards (starting at $1 amazon for 150 points). In addition to the totally passive $3-9 per month you'll get, they will send out a monthly survey that takes about 5 minutes that will net you a bonus $0.50 each time you complete it. They also do have a referral system where you'll receive $3 (300 points) for each person you refer.
I think it's worth mentioning what kind of data is being collected. Mobile Performance Meter is quite literally trying to test the mobile performance in your area. This is partially why people get paid different rates. People who are in an area where there are already a lot of users will receive a lower payout, while if you're in a place where there aren't many users already, you'll likely be the one to get $0.30/day.
IMPORTANT FOR EXISTING USERS: MPM just released a new app called MPM Beta. According to the google play listing, the app might only be available to users who are invited, but I don't recall getting an invite and I was able to download and set up the app and it says that I will be earning 10 bonus points per day on the mobile performance meter app. I will continue to track this and see if it does indeed payout.

Rating

Specification Description Rating
Earning Ability 100% passive, $0.10-$0.30/day ⭐⭐⭐⭐⭐
Minimum Cash Out $1 Amazon, $5 other gift cards ⭐⭐⭐⭐⭐
Referral System $3/ref, sign up required. ⭐⭐⭐⭐⭐
Negative Impact/Sketchy Factor Minor battery reduction for some users. ⭐⭐⭐⭐⭐

Overall Rating: ⭐⭐⭐⭐⭐

Monthly Earnings: $4.50

McMoney REF: EEGK4WHA

EDIT 03/15/20: McMoney has now added a referral program. There's literally no quantitative numbers for the value of their referral system, nor are there any indications of bonuses of using a referral code.
McMoney will be very similar to the next three apps on this list (SMS Profit, ControlMySMS, and MoneySMS), so I won't be writing much for the description of those apps in order to save characters :).
McMoney (and the other related SMS apps) will pay you to receive texts. Each of these apps claims to be testing the quality of texts received, but I feel like they're really using your phone for some sort of verification process. I can't really tell, but I also happen to not really care.
McMoney pays $0.02 for each text you receive. You'll likely receive an average of one text per day. The minimum cash out is $6 PayPal, so it will certainly take you a while to get there, but this is still very good passive income, although you might find several instances in the future where you'll be waiting for a text from someone and it'll just be this shit instead. I've also lost a 'first to get a notification has to pay the bill' game one before because of these fucking apps. It's also worth noting that you will not find these apps on the Play Store. You'll need to download them directly from their site. Makes sense because these apps are reading your texts (sketchy, huh?) and Google Play doesn't allow that privacy infringement.

Rating

Specification Description Rating
Earning Ability $0.056/text (roughly $0.056/day) ⭐⭐⭐⭐ ★
Minimum Cash Out $6 PayPal ⭐⭐⭐★ ★
Referral System N/A N/A
Negative Impact/Sketchy Factor They read your texts, not protected by Play Protect. ⭐⭐ ★ ★ ★

Overall Rating: ⭐⭐⭐★ ★

Monthly Earnings: $1.68

SMS Profit

The big difference between SMS Profit and the other apps is the ability to use multiple sim slots with their app. Most other apps don't recognize multiple sim cards, so you can only verify one phone number. It's also worth mentioning that you'll receive less texts with SMS Profit than other apps like McMoney, but in my opinion they all add up, so fuck it. Also the cash out minimum is $2 from SMS Profit.

Rating

Specification Description Rating
Earning Ability $0.02/text (roughly $0.01/day) ⭐★ ★ ★ ★
Minimum Cash Out $2 PayPal ⭐⭐⭐⭐⭐
Referral System N/A N/A
Negative Impact/Sketchy Factor They read your texts, not protected by Play Protect. ⭐⭐★ ★ ★

Overall Rating: ⭐⭐⭐★ ★

Monthly Earnings: $0.30

Money SMS

Money SMS is very much like SMS Profit and ControlMySMS below. You'll receive €0.02 per text you receive. The estimate from my last post was 2 texts per day, but I think that's overestimating. I think 1 text per day might be a safer estimate. So you'll probably earn $0.02 per day (converted to USD). The thing that makes MoneySMS different from the competition is their referral system.
You will earn 30% from every withdrawal that your referral makes. Yawn. But your referral will earn a $0.25 sign up bonus if they sign up with a referral code. If interested, my referral code is 2D9E26DA8.

Rating

Specification Description Rating
Earning Ability $0.02/text (roughly $0.02/day) ⭐⭐★ ★ ★
Minimum Cash Out €2 PayPal ⭐⭐⭐⭐⭐
Referral System 30% of referral's withdrawals. ⭐⭐★ ★ ★
Negative Impact/Sketchy Factor They read your texts, not protected by Play Protect. ⭐⭐ ★ ★ ★

Overall Rating: ⭐⭐⭐★ ★

Monthly Earnings: $0.60

ControlMySMS

ControlMySMS happens to be my favorite of these apps. What makes this app so much better is its higher payouts per text and automatic payments. According to their FAQ, you'll receive $0.12 per text you receive for the first 50 texts per month (I've never gotten more than 50 texts in a month, not even close). After that it's $0.6 for the next 50, and then $0.02 for each text thereafter.
I probably receive an average of 6 texts per month from ControlMySMS.

Rating

Specification Description Rating
Earning Ability $0.12/text (roughly $0.024/day) ⭐⭐⭐★ ★
Minimum Cash Out $0.12 PayPal ⭐⭐⭐⭐⭐
Referral System N/A N/A
Negative Impact/Sketchy Factor They read your texts, not protected by Play Protect. ⭐⭐ ★ ★ ★

Overall Rating: ⭐⭐⭐★ ★

Monthly Earnings: $0.72

HyperDrive (iOS | Android)

EDIT: HyperDrive has ended their trial and is no longer available.

If you would like a more full review of HyperDrive, you can read more here.
HyperDrive is probably the most unique app on this list. This is an app that actually tracks your driving and pays you for safe driving, as well as the amount of miles that you drive. After each trip you'll automatically earn points (2 points = $0.01) which you can redeem instantly for a minimum of $5 to a gift card of your choice for 1000 points. There is no referral system at this time.
The general payout is roughly 1 point per 2 miles that you drive, so if the average american drives 29 miles per day, you can expect to earn roughly $0.07 per day, which I personally think is a very conservative estimate for most people because there are a lot of other bonuses that you can get from each trip, but not all of those bonuses are totally passive. I do think it's really worth opening up this app once or twice a week even just to collect the points from all your trips since you last opened the app or to see some statistics about your driving. The post linked above has much more detailed information about HyperDrive. If you're interested in more, please read it.

Rating

Specification Description Rating
Earning Ability $0.0025/mile (roughly $0.07/day) ⭐⭐⭐⭐⭐
Minimum Cash Out $5 Gift Card ⭐⭐⭐⭐★
Referral System N/A N/A
Negative Impact/Sketchy Factor Location Tracking, may cause battery reduction ⭐⭐⭐⭐⭐

Overall Rating: ⭐⭐⭐⭐⭐

Monthly Earnings: $2.10

AppOptix (Android)

AppOptix is probably the most straightforward of all the data collection apps. Once you install the app you'll basically be stalked the hell out of, but you'll earn yourself 25 points (300 points = $10) every week you have the app installed. Once you reach 300 points you'll automatically receive an email with a $10 amazon gift card. That's it. Once you get paid, you start all over again and just keep going up from there. The app itself is terrible and hasn't been updated since Android Nougat was released, but it's extremely simple.
Note: AppOptix is only available in the US and India. However, when you apply to join the panel you may get rejected initially and be required to wait for them to take on more people.

Rating

Specification Description Rating
Earning Ability $0.11/day ⭐⭐⭐⭐⭐
Minimum Cash Out $10 Amazon Gift Card ⭐⭐⭐★ ★
Referral System N/A N/A
Negative Impact/Sketchy Factor All Device Usage ⭐⭐★ ★ ★

Overall Rating: ⭐⭐⭐⭐★

Monthly Earnings: $3.33

Panel App (Android | iOS) Ref

Panel App is another really old app that has been around or a long time. This app tracks your location, so as long as you have an internet connection and your GPS is on, you should be earning points! Panel App originally offered sweepstakes, but somewhere along the way they began to offer "guaranteed rewards" which value points anywhere from 1000 = $1 to 800 = $1, depending on cash out amounts. $1 cash out = 1000, but $25 = 20000.
Each day you have the app installed and running you should earn "up to 33 points" for a total of ~1,000 points per month. Here's an image that does a good job breaking the app down. All in all, you should end up getting about a dollar a month from this app. They also have a referral system that could help you earn a bit more. Their referral program is a classic 10% bonus program, so you'll get 10% of what your referrals earn. I don't really care about this app but if you're not using it feel free to use my ref link above. I appreciate it!

Rating

Specification Description Rating
Earning Ability ~$0.03/day ⭐⭐★ ★ ★
Minimum Cash Out $1 Amazon (not worth it, though!) ⭐⭐⭐⭐★
Referral System 10% of your referral's earnings ⭐⭐⭐★ ★
Negative Impact/Sketchy Factor Location Data ⭐⭐⭐⭐★

Overall Rating: ⭐⭐⭐★ ★

Monthly Earnings: $1

Smart Panel

Smart Panel is another site that will allow you to earn money passively each month for running their software on any device. If you'd like to you can run Smart Panel on your phone or you can run it on your computer. Regardless of the device, you'll be earning at least $5 every month that you have Smart Panel running. This is actually probably one of the highest, if not the highest paying panel on this list, but there are a couple drawbacks that I'll discuss later on.
One nice thing about Smart Panel is that you'll earn a "loyalty" bonus in addition (?) to the $5 you'll be earning each month. Per the site's FAQ:
You earn $5. Once the Smart App has been installed and active on at least one device per device category you own (PC's, tablets, smartphones) for 30 days, your rewards will become available to redeem. For every month that you use the Smart App, you’ll earn another $5. After your devices have been syncing with us for 90 days, you can earn a loyalty bonus of $5. After six months, you can earn a loyalty bonus of $10, after nine months $15, and every quarter after that another $15.
This is pretty nice because you'll be earning $30 (?) $5*3 + $15 bonus every quarter with the added bonus, after you've been a user for long enough.
The drawbacks? Smart Panel requires you to install a VPN to use it if you're planning on tracking smartphones and tablets. Their FAQ references "VPN" 7 times, so if you have questions about the VPN use, I recommend reading that, but here's one quote:
A VPN, or Virtual Private Network, is a secure, encrypted connection that allows your research data to be sent to us safely. The Smart App requires that mobile devices must have the VPN installed and active in order to be eligible to earn rewards.
If you're a frequent beermoneyer, you'll know that VPNs are often not allowed on sites/apps, and you could risk getting banned if you were to use them. I don't know what the implications of this VPN are, but know that you're using this at your own risk of getting banned on other beermoney apps/sites you use.
Historically there have been a lot of offers on GPT sites to sign up for Smart Panel. It might be a good idea to take a look at offer walls because you might be able to find an offer to get a bonus for signing up, why not stack beermoney?

Rating

Specification Description Rating
Earning Ability $5/month + $15/3 months ⭐⭐⭐⭐⭐
Minimum Cash Out $5 automatically each month. ⭐⭐⭐⭐⭐
Referral System N/A N/A
Negative Impact/Sketchy Factor VPN Required. Collects lots of data. May drain battery. ⭐★ ★ ★ ★

Overall Rating: ⭐⭐⭐⭐ ★

Monthly Earnings: $10

MobileXpression

MobileXpression is very similar to Smart Panel, so I'm not going to write as much about it.
To sign up for MobileXpression you'll need to sign up online, and then download the app on your qualified phone. Just an important note to add, MobileXpression does require a VPN.
Each week you use the app you'll receive 2 points, and once you reach 10 points (just over a month) you'll earn a $5 gift card, or if you prefer you can save up 15 points for a $10 gift card. Payments are done in generally 1-3 days.
Historically there have been a lot of offers on GPT sites to sign up for MobileXpression. It might be a good idea to take a look at offer walls because you might be able to find an offer to get a bonus for signing up, why not stack beermoney?

Rating

Specification Description Rating
Earning Ability ~$5.50/month ⭐⭐⭐⭐★
Minimum Cash Out $5 gift card (not worth it!) ⭐⭐⭐⭐★
Referral System N/A N/A
Negative Impact/Sketchy Factor VPN Required. Collects lots of data. May drain battery. ⭐★ ★ ★ ★

Overall Rating: ⭐⭐⭐★ ★

Monthly Earnings: ~$5.50

Nielsen Mobile Rewards

I want to be perfectly clear here. I have never used Nielsen Mobile Rewards, and I find the sign up process too complicated, so I've never bothered with it. A lot of the information I have about the app is done based on my own research as well as research done by Garwald in his original post from 2 years ago that I have kindly borrowed for this post.
Nielsen is a massive company that is willing to pay you to let them take your data. They have a mobile tracking app, but they also have an app for your computer. From my research it seems like the one that gives you the good rewards is the mobile app, but if you still want to use the desktop app you can still earn entries to weekly/monthly sweepstakes. I wouldn't bother with the desktop version because it is probably extremely unlikely you'll win anything from that. The mobile version advertises $50 per year for using their service. The following information might be outdated/inaccurate, but according to Garwald's original post, "All active members will receive up to 6,600 points per year for participating in the panel. As an example of how much the points are worth: 640 points = $5 amazon; which is about $50 a year."

Rating

Specification Description Rating
Earning Ability ~$4.16/month ⭐⭐⭐⭐★
Minimum Cash Out $5 gift card ⭐⭐⭐⭐★
Referral System N/A N/A
Negative Impact/Sketchy Factor Collects lots of data. ⭐⭐⭐ ★ ★

Overall Rating: ⭐⭐⭐⭐ ★

Monthly Earnings: ~$4.16

SavvyConnect

SavvyConnect is similar to Nielsen above. Similarly, I have never used SavvyConnect.
SavvyConnect is a panel that pays you to connect devices and just use them as you usually do. I'm not going to write much about this because their site will honestly help you way more.
The general information worth noting is that you will earn $15 per month ($5/device) if you use 3 devices. So that would be a phone, a tablet, and a desktop/laptop. Also payments are really slow and the payments are all sent by check. There is a VPN required for SavvyConnect.
It's a pass from me still but if you're going for it all, $15 a month isn't terrible.

Rating

Specification Description Rating
Earning Ability $15/month ⭐⭐⭐⭐⭐
Minimum Cash Out A slow check payment. ★ ★ ★ ★ ★
Referral System N/A N/A
Negative Impact/Sketchy Factor Collects lots of data, VPN required. ⭐★ ★ ★ ★

Overall Rating: ⭐★ ★ ★ ★

Monthly Earnings: $15

ReceiptPal

Alright, for those of you who already use ReceiptPal, I think I know what you're thinking... how is this set and forget?
ReceiptPal is an app that pays you for your receipts. You can just upload an image of just about any receipt and you'll earn points that you can redeem for gift cards.
Each week you will receive 3 new cards (4 receipts will complete a card, each card is worth 100 points). Cards can carry over from week to week, so that the maximum number of cards you have is 5.
Basically for most people it's just 25 points per receipt you submit.
Here's how you can turn this into a set & forget opportunity:
In account -> manage accounts, you can actually link your emails and your purchases/e-receipts will then track automatically. I actually opened up this app after not using it for months and found myself with $25+ worth of points.
The minimum cash out is $5 for a gift card at 2,000 points. At that rate you'll be earning $0.0625 per receipt. If you save up for $25, you can cash out for 7,500 points. At this rate you'll be earning 0.083 per receipt.
Realistically, I think most people will have around 4 e-receipts per week, so that would make the weekly earnings $0.33.

Rating

Specification Description Rating
Earning Ability $0.083/receipt ⭐⭐⭐⭐⭐
Minimum Cash Out $5 (Not worth it!) ⭐⭐⭐ ★ ★
Referral System N/A N/A
Negative Impact/Sketchy Factor Receipt Data. ⭐⭐ ⭐ ⭐ ★

Overall Rating: ⭐⭐ ⭐ ⭐ ★

Monthly Earnings: ~$1.32

Achievemint (iOS | Android) Ref Link

Achievement is an app/site that allows you to link up to 30+ apps that track your health, and earn up to 80 points per day. (10000 points = $10). I think if I ever get around to making a post just about apps that pay you to exercise this will also appear on it for sure.
Achievement has actually been around for a while now, and you'll be able to link just about any exercise app to it, so it's really basically passively getting paid for the exercise you do.
While they say you can earn up to 80 points per day ($0.08) you'll likely find yourself earning closer to $0.03 per day with natural walking habits, but you should see more if you link multiple different apps.
They do have a referral system as well, where you'll earn 100 points for each user who signs up and refers.

Rating

Specification Description Rating
Earning Ability ~$0.03/day ⭐⭐★ ★ ★
Minimum Cash Out $10 ⭐⭐★ ★ ★
Referral System 100 pts/ref ⭐⭐★ ★ ★
Negative Impact/Sketchy Factor Activity data. ⭐⭐ ⭐ ⭐ ⭐

Overall Rating: ⭐⭐★ ★ ★

Monthly Earnings: ~$0.90

Conversationally

**UPDATE 05/01/20: Conversationally is temporarily pausing operations for the time being.
UPDATE: Conversationally has updated this information:
You can use Conversationally on either Chrome desktop or as an Android app. Right now, the Android app is fully functional for Alexa connections. We'll be releasing support for Google Assistant connections in the next few weeks.
Conversationally is a newer program that pays you to use a virtual assistant (like Google Assistant or Alexa). When you sign up, you'll give them permission to see your conversations with your VA, and in return they'll pay you $5 per month, plus potential for a bonus through their monthly sweepstakes (the odds of winning something from the sweepstakes is actually decently high).
Conversationally is great because everything is very automatic. Each month you'll get $5 through PayPal automatically. No action required.
They do also have a referral system, but the page doesn't seem to be working for me right now, so I won't be posting a referral link. They are currently offering $2 for each person you refer. There doesn't seem to be any bonus for the user who is signing up.
If you don't have a google home, but you have a spotify account, you can actually get one for 100% free here.

Rating

Specification Description Rating
Earning Ability $5/month ⭐⭐⭐⭐⭐
Minimum Cash Out $5 ⭐⭐⭐ ⭐ ⭐
Referral System $2/referral ⭐⭐ ⭐ ⭐ ★
Negative Impact/Sketchy Factor Receives your conversations with your VA. ⭐⭐ ⭐ ★ ★

Overall Rating: ⭐⭐ ⭐ ⭐ ★

Monthly Earnings: $5

UpVoice

UpVoice is a panel that pays you to browse several websites every day. Each day you browse the internet, you'll earn 10 points (600 points = $10) in addition to other bonuses.
I already wrote a post about UpVoice, so I won't be going into as much detail here. You can read that post here.
When you install the extension you'll instantly get 300 points ($5), and you can then cash out once you reach $10 for an Amazon gift card.
In order to receive the 10 points per day, the requirements are very simple. You simply must visit one of the sites below:
  • Facebook
  • Instagram
  • Twitter
  • Youtube
  • Linkedin
  • Amazon
Most people do this naturally, but do note that you must not use an adblocker on the site that you visit each day. Overall UpVoice is very very good and simple passive income.

Rating

Specification Description Rating
Earning Ability ~$0.166/day ($5/month) ⭐⭐⭐⭐⭐
Minimum Cash Out $10 ⭐⭐⭐ ★ ★
Referral System N/A N/A
Negative Impact/Sketchy Factor Receives page/ad data. ⭐⭐ ⭐ ⭐ ★

Overall Rating: ⭐⭐ ⭐ ⭐ ★

Monthly Earnings: $5

Brave Browser (Ref Link)

Brave Browser is a newer chromium based browser that not only will net you faster and more secure browsing, but also rewards. By switching to Brave, you'll be able to opt in to Brave Rewards, where you'll then begin to see ads from Brave. Each ad will earn you a bit of BAT (their cryptocurrency) at the end of the month. You can then use your BAT to tip people on the internet (yes, you can tip yourself!) and then convert it to USD or redeem it through Uphold.
I actually already wrote a very detailed post about Brave here that I would really recommend you read if you're interested.
I'd estimate that the average person will get ~$10/month from Brave Ads. Last month I somehow got $25, but that's not very common. Regardless, it's some extra free money, and since I use it on both my PC and on my Mac, I certainly do double dip. Also the browser is really great.
It's also worth mentioning that they do have a referral system where you'll earn $5 for each person you refer who downloads, installs, and uses Brave for 30 days. If you're interested in trying out Brave, you can use my ref link here. <3.

Rating

Specification Description Rating
Earning Ability ~0.5 BAT/Ad (~$10/month) ⭐⭐⭐⭐⭐
Minimum Cash Out N/A ⭐⭐⭐ ⭐ ⭐
Referral System $5/referral ⭐⭐⭐★ ★
Negative Impact/Sketchy Factor N/A ⭐⭐ ⭐ ⭐ ⭐

Overall Rating: ⭐⭐ ⭐ ⭐ ⭐

Monthly Earnings: ~$10

FluidStack (Ref Link)

NOTE: FluidStack has been criticized much in the past as having a very high potential for harmful/intrusive use. I am still including it on this list because I feel like it will be extremely beneficial for some users, and you are able to opt out of the harmful programs.
FluidStack is a program you can download onto your PC/Linux device that will run various functions that you can earn money from.
I did write a post about FluidStack here, if you'd like to read it. There are a lot of changes since then, and I'll try to highlight them and re-explain.
Here's FluidStack, according to FluidStack:
FluidStack is building a cloud service (like AWS) from regular devices. Your device will be used to sustain a suite of different cloud services which utilise different parts of your device hardware. All processes happen when the device is idle and not in use. Each of these are optional, please check settings to opt out of any.
CDN
Content delivery. This uses your upload bandwidth, please let us know if your ISP has a monthly cap.
Proxies
IPs for webscraping. This uses your IP for web-scraping and regional unblocking; if you use video streaming services we advise unchecking this option so your experience is not affected.
HPC compute
High performance compute for research organisations. This uses your CPU and GPU when your device is idle and will always pay more than electricity. We never perform crypto-mining pool services.
Video transcoding
Converting videos into different formats and sizes. This uses your CPU when your device is idle.
Note that the program that has been noted as being potentially harmful is the proxies option. FluidStack is much better than its competition, still, but they even mention that you shouldn't use Proxies if you use streaming services, because there's a chance that whoever is using your connection might mess you up. This is also concerning for beermoney because we have seen with FluidStack's competition that users were getting banned from beermoney sites because the FluidStack customers were signing up for the sites over these devices. FluidStack has taken a stand to block these sites, but there's no way they can catch everything.
Proxies is probably the biggest money maker for most people, and since the other services aren't totally laid out yet, I'll only be calculating/reviewing proxies. At the bare minimum, you'll earn $5/month from FluidStack. This just requires that you have an upload speed of 25 MB/s. The faster your speed, the more you'll make, up to $50. So for example, I have an upload speed of ~950 MB/s, so I would peak at $50/month if I were to run proxies. I'm going to review assuming that most people would earn $5/month from Proxies, although many people will make much more with CDN, HPC compute, and Video Transcoding. Payments are automatic at the end of each month.
They also do have a referral system. You'll earn $5 for each person you refer who downloads and runs a node for 7 days.

Rating

Specification Description Rating
Earning Ability $5+/month ⭐⭐⭐⭐⭐
Minimum Cash Out N/A ⭐⭐⭐ ⭐ ⭐
Referral System $5/referral ⭐⭐⭐★ ★
Negative Impact/Sketchy Factor Actual Device Usage from third party. ⭐★ ★ ★ ★

Overall Rating: ⭐⭐ ⭐ ⭐ ★

Monthly Earnings: $5

Loginhood (Ref Link)

Loginhood is a very new extension that claims to block trackers online, but collects your data to sell it on your behalf. They are still new so keep this in mind since they aren't well established just yet.
As of now, there is no clear format or schedule for how much you'll get paid, and when.
I actually did, however just get paid $1.12 for my data from the last month, so I'm thinking they might do payments monthly, and if people are expecting $1/month just for having the extension, I don't think that's too terrible.
Loginhood is still developing so hopefully it grows and they become established with payouts as well.
They do also have a referral system. You'll get $1 for each person you refer who installs the extension and then blocks 500+ trackers. You can sign up under me here.

Rating

Specification Description Rating
Earning Ability ??? ⭐⭐★ ★ ★
Minimum Cash Out N/A ⭐⭐⭐ ⭐ ⭐
Referral System $1/referral ⭐⭐⭐★ ★
Negative Impact/Sketchy Factor Not established ⭐⭐ ★ ★ ★

Overall Rating: ⭐⭐ ★ ★ ★

Monthly Earnings: ~$1

Conclusion

So, that's it. These are the current options for the active set & forget programs you can check out. Before I end this post, I do want to go over monthly estimated earnings and a few things that some people might think I missed from including on this list.

Estimated Earnings

This is my favorite part. Reading through this post, you might have been thinking 'what? this shit only pays me like $3/month?' well, if you use everything here, you might really be shocked at how much it all adds up to.
So let's go over totals.
Program Monthly Earnings
Mobile Performance Meter $4.50
McMoney $1.68
SMS Profit $0.30
Money SMS $0.60
ControlMySMS $0.72
HyperDrive $2.10
AppOptix $3.33
Panel App $1.00
Smart Panel $10.00
MobileXpression $5.50
Nielsen Mobile Rewards $4.16
SavvyConnect $15.00
ReceiptPal $1.32
Achievement $0.90
Conversationally $5.00
UpVoice $5.00
Brave Browser $10.00
FluidStack $5.00
Loginhood $1.00
Total Monthly Earnings: $77.11
Total Yearly Earnings: $925.32
I think that an additional $77 per month is very useful for most people. That's like 10 burritos at Chipotle, or about 1/5 of my current rent. The best thing about the apps on this list is that they require almost no interaction. I purposely did not include some apps in this list that required you to change habits more than I thought reasonable. If you like the programs in this post, I feel like it's really important to note some honorable mentions that combined will easily push you over to $100+/month from 100% passive income.

Honorable Mentions

  • Passive Cash Back Apps
  • Paid Lockscreen apps like Smore (passive $0.10/day just for having the app installed).
  • MonetizeMe: MonetizeMe fits this post very well, but it's too sketchy for me to justify listing. I really highly don't recommend using MonetizeMe (also there's no payment proof). If you wish, here's a link..
  • Fix Rewards & Renaissance. These apps connect to Spotify and reward you with points that you can cash out for gear by your favorite artists. The earnings are really low, and the cash out options aren't very appealing.
Since this the first version of this post, I think when it comes time to rework it in about 6 months there will be some really great additions.
Please feel free to ask any questions or comment other set & forget ideas.
  • Follow me on Twitter for weekly surprises & beermoney updates.
  • Follow me on reddit: Fishering
  • Read my other posts!
  • Please send me PMs with any questions you have about anything, or even just PM me if you want someone to talk to.
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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.

15 Passive Cash Back Apps 2019

Pei

Ref = fish

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:

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.
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 - (iOS | Android)

Ref = fish

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:
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:
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:

HOOCH Rewards (Ref Link)

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:
  • Uber
  • iTunes
  • Starbucks
  • Domino's
  • Netflix
  • Shake Shack
  • Spotify
  • Audible
  • Redbox
  • Uber Eats
  • Hulu
  • In-N-Out
  • Chipotle*
*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%)
  • Refer friends
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.

Butter

Canada Only!

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 - Sign up & join waitlist!

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.
Category Options
Burgers 3% at Jack in the Box
3% at McDonald's
3% at Wendy's
Coffee 2% at Dunkin' Donuts
2% at Starbucks
Drug Stores 2% at CVS
1% at Walgreens
Family Dining 2% at Applebees
2% at Chili's
2% at Olive Garden
2% at Red Robin
Grocery 1% at Kroger Family of Stores
Home Improvement 1% at The Home Depot
Mexican Food 2% at Chipotle Mexican Grill
2% at Taco Bell
Music Subscriptions 1% at Pandora
5% at Spotify
Pizza 1% at Domino's
5% at Papa John's
2% at Pizza Hut
Superstores 1% at Target
1% at Walmart
Telecommunications 1% at AT&T
1% at T-Mobile
3% at Verizon Wireless
Video Subscriptions 1% at Netflix
5% at Sling TV
Vineyards 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+

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.

Cash App "Boosts"

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.
  1. You can use a boost every 1 hour.
  2. 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.
  3. 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.
  4. If you link your Cash Card to Apple Pay, you can pay with it that way and the boosts will still be applied.
  5. 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.

Empyr Apps

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 (Ref | Nonref)

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.

Credit Cards

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

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

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.

Sift (iOS | Android)

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 Savings

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.

Conclusion

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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