Best Money-Saving Apps | WTOP News

Save on daily bills and purchases with these apps. There is never a bad time to save money, and today’s mobile …

Save on daily bills and purchases with these apps.

There’s never a bad time to save money, and today’s mobile apps make it easier than ever. They offer coupons, rewards, and discounts to their users, and while the money you save using these apps may not be enough to pay your bills, it could be a good boost to your budget. Here are 10 apps we like for their ease of use and innovative approach to saving. Each is available for free download on Apple and Android devices unless otherwise noted.


How it works: Ibotta offers cash back on purchases made online and in stores at hundreds of participating retailers, including Amazon, Walmart and Target. Users select the offers they wish to exchange and then scan or send their receipts using the mobile app to verify a purchase. For many retailers with loyalty programs, Ibotta can be linked to a store account to facilitate the exchange of offers. In addition to its application, Ibotta has a browser extension that can also be used to make money when shopping online. Earnings can be withdrawn via PayPal, transferred to a bank account, or exchanged for gift cards.

Advantages: With so many brands and participating retailers, it’s easy to find deals for items you’ll already be buying, such as food. “It’s pretty amazing because you’re using it in your daily shopping,” says Deacon Hayes, a personal finance expert and president of Well Kept Wallet. In addition, new users can earn 100% cash back on their first purchase.

Disadvantages: The disadvantage of having so many offers available is that it can take a long time to scroll through the app and find those that are relevant to your purchases.

Get rewards

How it works: As another app that rewards users for their daily shopping, Fetch Rewards awards points for every receipt scanned in the app, including those from stores and restaurants. The app says it covers thousands of items, and even receipts that don’t include an associated brand can receive points. Electronic receipts can also be entered into the app, and points can be redeemed for gift cards, Visa rewards, or raffle tickets.

Benefits: The simplicity of Fetch Rewards is one of its biggest benefits. “I love it because it’s the simplest receipt scanning app that exists,” says Natalie Graham, founder of “No need to compare offers or scan barcodes; just scan your receipt and collect your points. ”Graham says he buys about once a week and earns enough points to trade for $ 10 a month.

Disadvantages: Since Fetch Rewards offers points instead of cash refunds, it may not be immediately clear how much you earn with each receipt. In addition, point values ​​are subject to change at any time.

Bo Rx

How it works: GoodRx offers great prescription discounts and is accepted at almost every pharmacy in the country. “GoodRx allows people to buy their medicines,” says Cindy George, GoodRx’s personal finance editor. “The same drug could have very different prices in pharmacies in the same block.” Users can download the free app, search for the price of their prescriptions at nearby pharmacies, and then show a coupon e-card to the pharmacy for a discount.

Benefits: By offering discounts of up to 80% on the cash price of the drugs, the price of GoodRx may be lower than the average insurance copayment, according to George. For additional savings, people can sign up for GoodRx Gold, which costs $ 9.99 a month and includes additional savings on prescriptions, free home delivery, and affordable telesaw visits. Even if someone doesn’t need a discount, GoodRx makes it easy to see how much the medication will cost before going to the pharmacy.

Disadvantages: The GoodRx application cannot be combined with insurance. As a result, any revenue earned from it will not count toward your pocket’s annual deductible.

CVS pharmacy application

How it works: CVS has long been known among bargain hunters as a major source of pharmacy deals. The CVS Pharmacy app makes it easy to access coupons and track rewards through the store’s ExtraCare Rewards program. Accumulated prizes can be spent on just about anything in the store. The CVS Pharmacy app also includes a barcode scanner that will match items with available coupons, and special offers and giveaways are sometimes available for apps only.

Benefits: You will find coupons of up to $ 300 each week on the CVS Pharmacy app. The retailer says ExtraCare members who use the app save up to six times more than those who don’t. In addition to offers, the app can be used to manage other in-store services, such as pharmacy bills and photos.

Disadvantages: As a store-specific app, the CVS Pharmacy app is only beneficial for those who have a CVS location nearby.


How it works: Shopkick is not an app that provides direct savings, but allows users to earn reward points, known as kicks, which can be exchanged for gift cards. Shopkick users can earn points in various ways, such as scanning in-store items, watching videos, or shopping. Reward points can be redeemed for digitally delivered gift cards.

Benefits: With a variety of revenue options, Shopkick is quick and easy to use. The application is free and you can get kicks with minimal effort. By earning gift cards for retailers like Walmart and Target, people can free up money in their budget for other expenses.

Disadvantages: As with points in other rewards programs, the value of the kicks is subject to change at any time.

Get up

How it works: As an online gift card market, Raise can be used to make money or save money. Users can make money by selling unwanted gift cards at Raise. Meanwhile, those looking to save money can buy discount gift cards or receive a cash rebate ranging from 3% to 30% when they buy gift cards at face value of the associated brands. In addition, the app offers access to a variety of coupons, promo codes, and other discounts.

Benefits: With over 4,000 brands represented in the Raise market, there are many options to save money. Gift cards are loaded into a virtual wallet, making it easy to keep track of your balances and use your cards both online and in-store. New users can opt for additional savings and all customers can combine discounted gift cards with coupons or cash back offers.

Disadvantages: Raise Notes 98% of your cards are electronic, so this may not be the best option for those who prefer physical gift cards. Discounts for some popular retailers, such as Walmart, can be as low as 1%.


How it works: Customers who shop through the Rakuten website or with the Chrome browser extension can automatically get a cash refund on purchases that meet the requirements of participating retailers. The company’s mobile app also offers these discounts as well as cash back for in-store purchases.

Benefits: Rakuten has an extensive associated retail network, allowing you to get discounts on purchases in almost any category. In addition, with the mobile app, consumers can earn a 5% cash back in restaurants. The Chrome browser extension will automatically apply coupons for additional savings. New users can receive a $ 10 welcome bonus when they spend $ 25.

Disadvantages: You cannot combine Rakuten with off-site coupons. By doing so, a purchase will not be eligible for a cash return.


How it works: Lowering your monthly bills is another money-saving strategy, and that’s the specialty of Truebill. The free app will scan your bank and credit card accounts and look for recurring payments. Then help cancel any services or subscriptions you no longer need. Truebill will also negotiate bills, such as cable and wireless service bills, on your behalf.

Benefits: In addition to managing subscriptions and downloading invoices, Truebill can help you manage your money in other ways. Keep track of spending, provide budgeting tools, and get access to a free credit score. The app can also be set to move money automatically to savings.

Disadvantages: Not all Truebill services are free. For example, the company takes a 40% cut in the savings it makes by negotiating invoices. If no discount is negotiated, no fee is charged.


How it works: Savvy makes it easy to save on car insurance costs. “We get rid of all the complexity and fear of buying insurance,” says Daniel Demetri, president of Savvy. You do not need to fill out forms or enter your coverage information manually. Instead, Savvy removes it directly from your current insurer’s online account to offer apple-to-apple car insurance quotes. “All data is end-to-end encrypted,” Demetri says. Savvy is built into apps like Truebill and Albert, but its online platform can also be used outside of an app.

Benefits: If you find a better rate, Savvy can help you change your coverage, and the company has a team of nationally licensed experts who are available to answer questions by text, email, or phone. Savvy is free for consumers and the average user saves more than $ 700 a year, according to Demetri.

Disadvantages: For quick, easy quotes, you’ll need to provide your login credentials for your current car insurance account, something not everyone can make comfortable with.

Your favorite loyalty program application

How it works: The app for your favorite loyalty program may have an option to save you extra money by dining out. “Many consumers have a rewards program or loyalty app where they earn hotel points, air miles, gas discounts, and even cash rebates, but most people don’t know that they can link their debit or credit cards to these. programs to earn even more. These rewards may include savings on gas and travel or a refund.

Advantages: Linking a credit or debit card to a loyalty application is an easy way to earn money-saving rewards. Programs such as Shell Fuel Rewards, Marriott Bonvoy, and American Airlines AAdvantage are some of the ones that offer gastronomic rewards within their loyalty programs and applications. In most cases, the participating restaurants are local establishments and not large chains. “It’s an easy way to discover and support great local gems while you earn (rewards),” says Roedding.

Disadvantages: Not all loyalty programs offer food rewards or other additional savings in their application.

10 applications to save money:

“Push it.”

– Get rewards.

– Boa Rx.

– CVS Pharmacy application.

– Shopkick.

“Get up.”

– Rakuten.

– Truebill.

– Wise.

– Your favorite loyalty program.

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Best applications to save money originally appeared in

Update 5/24/22: This story was published on an earlier date and has been updated with new information.

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