Posted by Chuck on December 30, 2019

Published on December 30th, 2019 | by Chuck


[Update] Drop App: Earn Rebates at Top Merchants by Linking your Credit Card (1% Uber/Lyft, 0.2% Walmart & Many More)

Update 12/30/19: They’ve increased Amazon to $50 minimum cashout. Minimum cashout now is $25 for places like iTunes, Nike, Gap, Olive Garden, and Groupon.

Update 11/28/19: They’ve lowered the card-link rates for grandfathered cards for Amazon, Walmart, Target down to .5% (instead of 2% or 1%).

Update 11/14/19: Kroger is now an option at 1%.

Update 11/14/19: They now only allow you to cash out for the lower dollar gift cards (e.g. Amazon $20 gc, Starbucks $5 gc, etc) if you have used their portal shopping option in the past 12 months. Those who only use this for the card link offers will need to accumulate $30 worth before being able to cash out, and even then won’t be able to cash out for Amazon and the like. I cashed out for $50 Nordstrom gc, there are a bunch of options at the $30 level like Nike and Groupon. You can also make a tiny $1 purchase through the portal to unlock the smaller gift card redemption option, e.g. a $1 Groupon. (ht Travelwithgrant)

Update 10/16/18: Drop has temporarily increased their referral offer to 5,000 points ($5) for the referrer and 5,000 for the new member. Standard offer is 1,000 for each. Our referral code is: doctorofcredit.

Drop App Review

The Drop app offers points on shopping purchases at top retailers like Amazon, Walmart, Target, various grocery stores and restaurants, and more. Simply link your credit or debit card in the app, and you’ll earn up to 2% back in the form of gift cards. Gift cards are not as good as cash back, but close!

You have to link your credit and debit cards to the app so they can see where you spent money. Then you’ll earn Drop points at select retailers.

Points can only be earned at the five specific retailers you choose from the list (full list below). After initially choosing five stores, it’s not possible to change your selection. Choose carefully.

There is a limit of 5,000 points ($5) which can be earned weekly, it resets each Sunday. Additionally, business purchases and manufactured spend purchases are excluded in the terms.

How to Join

Some of us signed up during Drop’s beta rollout. Drop now launched publicly and and you can signup without a referral. At times there is a special bonus for signing up with a referral link.

Our referral code is: doctorofcredit. The referrer gets a 1,000 bonus ($1) and you also get started off with 1,000 points ($1) for joining (sometimes you’ll get $5 for joining, depending on the promotion).

  1. Download the app Android link, iOS link
  2. Enter an invite code (ours is: doctorofcredit)
  3. Link a card; this is done by inputting your bank login, it’ll then link all cards in the login
  4. Choose the five retailers where you want to earn points

Now, any purchases made with a linked card at your selected retailers will earn points.

How Much are Points Worth?

Each point is worth 1/10 of a penny. For example, 1,000 points is worth $1.

When Drop says you’ll earn 20x per dollar on Amazon, that’s not 20% back, rather 2% back. And when you get a 1,000 point signup bonus, it’s not $10, rather $1.

The easiest way to think about the points is always divide by ten and you’ll get the value in pennies. 2000 points divided by ten is 200 pennies, or $2 earned.

List of Earning Options

Ongoing Offers

The most exciting part of the program is the ongoing earn offers. You can earn up to 20x back per dollar, worth 2% back on your everyday purchases. And this is on top of any other rewards program you are part of, like your credit card rewards or a store rewards program.

Here is a full list of ongoing earn rates:

  • Walmart – 2 points per $1 (.2%)
  • Lyft – 10 points per $1 (1%)
  • Seamless – 16 points per $1 (1.6%)
  • HEB – 10 points per $1 (1%)
  • Fred Meyers – 12 points per $1 (1.2%)
  • Trader Joe’s – 12 points per $1 (1.2%)
  • Peets – 8 points per $1 (.8%)
  • Blue Bottle – 8 points per $1 (.8%)
  • Macy’s – 8 points per $1 (.8%)
  • Dunkin Donuts – 14 points per $1 (1.4%)
  • Target – 8 points per $1 (.8%)
  • Urban Outfitters – 15 points per $1 (1.5%)
  • Bath Body Works – 15 points per $1 (1.5%)
  • Whole Foods – 8 points per $1 (.8%)
  • Safeway – 8 points per $1 (.8%)
  • 7-Eleven – 16 points per $1 (1.6%)
  • Walgreens – 8 points per $1 (.8%)
  • Starbucks – 12 points per $1 (1.2%)
  • Uber – 10 points per $1 (1%)
  • McDonalds – 8 points per $1 (.8%)
  • Chipotle – 12 points per $1 (1.2%)
  • Sephora –
  • Kroger – 10 points per $1 (1%)

Here is the list that was offered in Beta. Note, if you signed up during beta you should have these rates grandfathered forever (a few rates went down in November 2019, updated below):

  • – 20 points per $1 (2%) 5 points per $1 (.5%)
  • Walgreens – 10 points per $1 (1%)
  • Walmart – 10 points per $1 (1%) 5 points per $1 (.5%)
  • Target – 10 points per $1 (1%) 5 points per $1 (.5%)
  • Whole Foods Market – 10 points per $1 (1%)
  • Trader Joe’s – 15 points per $1 (1.5%)
  • Safeway – 11 points per $1 (1.1%)
  • HEB – 20 points per $1 (2%)
  • Fred Meyer – 20  points per $1 (2%)
  • Uber – 15 points per $1 (1.5%)
  • Starbucks – 15 points per $1 (1.5%)
  • McDonald’s – 10 points per $1 (1%)
  • Dunkin’ Donuts – 17 points per $1 (1.7%)
  • Chipotle – 15 points per $1 (1.5%)
  • 7-Eleven – 19 points per $1 (1.9%)
  • Shell – 3 points per $1 (.3%)
  • Bath & Body Works – 18 points per $1 (1.8%)
  • Urban Outfitters
  • Macy’s – 1o points per $1 (1%)
  • H&M – 5 points per $1 (.5%)
  • Seamless – 20 points per $1 (2%)
  • Blue Bottle Coffee
  • Peet’s Coffee & Tea

You’ll see the points within 5 days from when you make the purchase.

One-Time Offers

Aside from the ongoing offers, you’ll also find some one-time offers. For example, currently they are running an offer to get 2,000 points ($2) on your next $20 Amazon purchase. We’ve seen offers like $75 for signing up with Wealthfront, $7.50 at Naturebox, and $20 back at Boxed.

Other Ways to Earn

Aside from offers, you can also earn points when you do qualifying activities such as adding your first card/bank, adding your second card/bank, and other app-related activities.

The only big offers are:

  • Get 1,000 points ($1) just for joining and 100 points (10 cents) for adding your first card/bank
  • 2,000 ($2) points for adding your second card/bank
  • 1,000 ($1) points for each friend you refer
  • 5,000 ($5) bonus after referring five friends

See all offers in the Discover tab > Unlock Bonuses. There are a bunch of smaller offers for linking social media and checking out their Twitter account, etc.

Note, you have to click on the tab to earn these bonuses. After linking a card/bank, click to get 100 points. After linking a second bank click to get 2,000 points. After referring five friends, click on the offer to get 5,000 points. The 1,000 point referral bonus should come automatically after your friend signs up without having to click anything.

(Please don’t leave any referral codes in the comments so that the discussion can revolve around the app itself. It’s just $1 per referral, and we’re not going to bother setting up a page for these referrals.)

List of Redemption Options

Update 12/30/19: They’ve increased Amazon to $50 minimum cashout. Minimum cashout now is $25 for places like iTunes, Nike, Gap, Olive Garden, and Groupon.

Update 11/14/19: They now only allow you to cash out for the lower dollar gift cards (e.g. Amazon $20 gc, Starbucks $5 gc, etc) if you have used their portal shopping option in the past 12 months. Those who only use this for the card link offers will need to accumulate $30 worth before being able to cash out, and even then won’t be able to cash out for Amazon and the like. I cashed out for $50 Nordstrom gc, there are a bunch of options at the $30 level like Nike and Groupon. You can also make a tiny $1 purchase through the portal to unlock the smaller gift card redemption option, e.g. a $1 Groupon. 

Points can be redeemed for gift cards. Here is the list of redemption options:

  • $5 Starbucks – 5,000 Points
  • $5 Aerie – 5,000 Points
  • $10 – 10,000 Points 
  • $10 Old Navy – 10,000 Points
  • $10 Dunkin’ Donuts – 10,000 Points
  • $10 iTunes – 10,000 Points
  • $10 American Eagle Outfitters – 10,000 Points
  • $10 Gap – 10,000 Points
  • $10 Nordstrom – 10,000 Points
  • $15 Groupon – 15,000 Points
  • $15 AMC – 15,000 Points
  • $15 Banana Republic – 15,000 Points
  • $20 Whole Foods Market – 20,000 Points
  • $25 Barnes & Noble – 25,000 Points
  • $25 Applebee’s – 25,000 Points
  • $25 Lyft – 25,000 Points
  • $25 Apple – 25,000 Points (Beware: this if for
  • $25 JCPenney – 25,000 Points
  • $50 – 50,000 Points
  • $50 Best Buy – 50,000 Points
  • $100 American Airlines – 100,000 Points

Most people should find one of these to be useful and pretty close to it’s value in cash. I’ll be redeeming my points for Amazon gift cards. (Note, if you have enough for $20, it’ll show you an option to redeem for $20 Amazon gift card. In practice, it’ll come as two separate $10 Amazon gift cards.)


In terms of linking your bank logins to the app Drop uses plaid. This is the same back end provider that Mint, Acorns, Robin and others use. You can read more about their security set up here.

Final Thoughts

We’ve written a Complete List of Card-Linked Reward Programs, but this one tops them all in it’s current form.

To be able to get 2% back on all Amazon purchases, for example, is excellent since it stacks with all other deals you can do like use a credit card that earns a high earning rate and go through the JetBlue shopping portal. It’s simply an additional 2% back on your purchases.

The other deals are likewise excellent since they are at merchants we use everyday like Walmart and Target, grocery stores like Whole Foods, Safeway, and Trader Joe’s, eateries like Starbucks, Dunkin, Chipotle, and McDonald’s, as well as ride sharing apps Uber and Lyft. Let’s hope the app continues to offer great deals.

The beauty of card-link programs is they don’t interfere with any other reward programs. And Drop even works on debit cards. It might be possible, for example, to link your Target debit card.

The only downside is that you won’t be able to use a gift card to pay if you want to take advantage of Drop since the app only tracks what you bought with a credit card. As an example, if you like to buy Amazon gift cards on Gyft, PPDG, or Swych to earn 5x with INK on all your Amazon purchases, you won’t be able to get any extra Drop rewards on your purchases.

One thing to be aware of is that you are, of course, giving away your data by using the app, and we’re also forced to rely on their security systems when giving in our bank password.

Hat tip to Maximizingmoney for discovering this app

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im sure some will love this app, but I assume most hardcore pple will find this app useless based on the merchant list. i shop at all those places ONLY with discounted GCs. i almost never use a CC. sometimes i do so I guess this still has some use.

the other CC linked services are very different because they dont focus on merchandise. its more about eating out which i do a lot so dining programs are more worth it for me.


wait wait wait…

“Link a card; this is done by inputting your bank login, it’ll then link all cards in the login”

WHAT?! are you fukn serious? so its not like other programs where you just add the CC numbers? hell no am I linking my bank login.

also, whats the max? can you add CC from amex chase citi etc?


This brings up a pet peave of mine. I wish financial firms would offer read-only logins, where one could permission by product (e.g. grant read-only access to CCs, but no access to bank or investment accounts). Actual business accounts usually allow this (though the interfaces are often horrendous), but retail accounts usually do not.


yea. this app is a 200% NO GO for me. fuk that…

Dave P
Dave P

Agree completely. No way in hell I’m logging these guys into my credit card/banking accounts. Hell no. Literally asking for identity theft, here, not to mention the privacy concerns.


sign up with code 8292q for special offer!


FYI, capital one 360 DOES have this exact feature – read only login for Quicken, etc.


Yeah there’s no way I’m trusting some startup app with my banks’ logins, that’s a stupid model on their part and a huge security risk. I’m even skeptical about Mint since I don’t know too much about their security situation (supposedly they have good procedures but a white hacker group found they keep some of the data on the phone and possibly unencrypted?), but at least Intuit is a big well known fin company, I hope they’ve plugged that security hole if that was the case. Also the benefits to me are much greater than some additional savings via this app.

Which card-based programs have you signed up for dining? Is there any manual work to be done or just sign up and the points/miles deposit automatically?


Exactly. Glad you are skeptical. It will protect you in the future. When I talk cyber security to most people, they look at me like UFO crazy talk. people just have the “wont happen to me” attitude and sacrifice convenience over security. oh well… people trust award wallet and mint with their lives. i dont get it. i would like to remind everyone that even companies that solely focus on PASSWORD SECURITY have been hacked like LastPass and OneLogin. what does that say about how good some of these hackers are? cmon guys. Intuit finally introduced 2FA last year and now has Google Auth available besides SMS which is a big deal but the real danger is that Intuit has all the direct passwords to your bank and brokerage accounts. end users only have “read-only” to make u feel secure. thats NOT the weakest link. the weakest link is how the data is encrypted then decrypted during a data update. i have not looked into how they implement their End-To-End encryption. but how do you think loads all that data? your passwords are live. what we really need is READ ONLY logins from the institutions holding the money. Vanguard and a few other banks actually has this functionality, but its not widely adopted. matter of fact, banks hate its put too much load on their severs and they auto cut service when under heavy load. what does that mean? it means is useless for certain type of users. if you are happy with it then OK. its like with any product, you cant change peoples behaviors when they are stuck. my favorite is when my friend got their Venmo account hacked and drained $5k. she stressed out for weeks. but still loves using it after the bank refunded the money. haha. cmon. seriously? anyway, until there is a standard protocol for which Mint can have read-only access to all bank accounts and not store passwords, you should NOT feel comfortable using Mint. also, i use many card-based programs for dining. its super easy. most of them managed by Rewards Network. They are pretty good. You just give them your CC number only. No expiration dates or CID codes. most track pretty well. the issue is the network of restaurants. many of which you may hate. YMMV. just depends. when you link everything up, its all auto. manual… Read more »

Joe Camel
Joe Camel

You’re a cyber security expert you say? With that rambling nonsense…lulz Amateur


Some of your points may have some degree of merit but damn, this hurt to read.


1% back at Walgreens and Whole Foods pretty much pays for my MS.


who says they will keep allowing people to earn 1% on thousands of dollars at WG every month. maybe you dont know what shopkick likes to do. aka DROPKICK…


via Discover It card? Or other means? Why not just use Citi Double Cash and get 2% back?


I pretty much just MS sign-up bonuses.


Chipotle 15pts per $1.


Is this secure? I am hesitant to give out bank login info. I only gave it out to Awardwallet after much research into their reliability and security. I have never heard of this app before today.

Ryan Goldstein

In the app, they say they use Plaid (, which is widely used by finance/fintech companies like Stripe, Venmo, Robinhood, Acorns, etc. I’d trust it.


What a coincidence — I use Plaid too! Now give me your logins and SSN.
You can post it right here in the thread. It’s safe — everyone here will use Plaid.


I was hesitant at first and then I came across this: on Drop security. I trust it.


7-11: 19 pts/$
HEB: 20 pts/$

This is sick if they don’t cap or restrict MS.

William Charles

Thanks, added.

Ryan Goldstein

7-Eleven is 19 points per $1 (1.9%).

Josh M
Josh M

I wonder if that includes gas? If so…not bad.


Near me, yes.


Ditto. Give them my bank login? Yeah right.


Dunkin’ Donuts is 17 pts per $1 spent


Safeway 11pts per $1.

Thanks Chuck.


I did not see any 1.5% cashback option for Lyft…
I use Lyft much more often than Uber…

William Charles

Updated post

William Charles

For those worrying about security concerns, Drop uses the same back end provider as Mint, Acorns & Robinhood to connect to your banking accounts.

Dave P
Dave P

And I don’t use any of those sites, either, for the same reasons I won’t use this one. Security, identity theft and privacy invasion. To each their own, but it’s a horrible idea (not to mention a violation of most banks terms of service) to share your login credentials like this.

William Charles

That’s fine, I’m just pointing it for those who do trust those sites.


A startup app asking for bank logins in order to provide cards’ rewards is enough for me to run away, regardless of the rest of details.

Mint needs logins to sync all accounts/transactions, do essentially do what it says it does. Drop needs bank login for what? For rewards? Nah, prob to mine ton of data for whatever reason (Mint wanna-be, to sell you other services altogether, to join with another business or sell their data and business to a bigger business?). If it was for rewards, cards’ numbers are sufficient and much less risky, esp with virtual card nrs.

Also, just b/c the back end provider is the same it doesn’t make Drop as trustworthy as Intuit (who owns Mint), for many reasons, one being that Intuit/Mint can hire & deploy many resources to fix a security hole. By comparison, a startup app is like a mom & pp store vs a nationwide store.

A combination of this app offering great rewards + asking for bank logins (vs card nrs) raises tons of red flags, a no-no for anyone minimally concerned with security and privacy. I’m guessing it is more likely than not that they are mining data & getting customers for other purposes besides rewards and/or will pull a Northpointe on users once they have a ton of new signups.

My suggestion is stay clear from this, at least wait a long while to see how they handle things before you dump a big bucket of your MOST sensitive financial data on this app’s lap.


Great advices thanks !

Josh M
Josh M

Dunkin Donuts is 17 pts (1.7%)


Why is this service even on the mobile platform?
All they want is your financial records, and there’s no mobile use involved.
This screams scam to me.

Josh M
Josh M

I wonder if gift card reload will work for the amazon offer?


Macy’s is 10 points per dollar

William Charles

Thanks, added

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