4. ACORNS
Meet Acorns—the perfect companion for investment rookies. Imagine your spare change from card purchases automatically transforming into a diverse portfolio. But that’s not all; Acorns also gives you a peek into your saving and spending habits to sculpt your financial fitness. Curious to know more? Check out our full review!
Pros:
- No minimum to open account
- Cash-back and checking account programs
Cons:
- No tax benefits
- Not worth it if you have a small balance
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3. IBOTTA – CASH BACK REWARDS
Ibotta, the savvy upgrade to paper coupons, lets you accumulate cash back rewards for both online and in-store shopping. With a straightforward process—earn at least $20, and it goes directly to your bank account—this app stands out for its simplicity and effectiveness. No convoluted points system, just seamless savings with 1,000+ retailers. Regular Ibotta users are pocketing up to $100 per month.
Pros:
- Free to use
Cons:
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- Have to manually add offers to your account
- $20 needed to cash out (some gift cards require $25)