Don't really remember how to use reddit, had to login to an old account as I browse this thread daily almost entirely since March during covid times as all my previous orders were always like 2-3 weeks. Please give me a moment to figure out how to upload my tracking info photos or comment. Thanks

1 ExpressPCT, only just heard of them and used them recently, They have USA shop, UK shop, European, And international. They seem to always be out of stock for USA stock on modafinil which they have limited to (4) 10 packs of modvigil 200mg, what I've done is saved that link to my homescreen on phone and randomly check. For example last night they were in stock, this morning already out of stock.

Order from them for USA domestic (4) 10 packs modafinil 200mg (modvigil hab pharma) Ordered and paid via Zelle on bank app Order went through 8/14/20 friday evening arrived on 8/20/20 They always responded to me within the hour. Never got tracking number.
Again ordered from them from their European shop on 9/3/20 for (30) 250mg nuvigil, tracking says it should arrive on 9/9/20, coming from turkey using fedex so well see lol.

2 Buymoda was unsure if I should make them 2nd or modafinilxl, As back then I always used afinilexpress until like 2019 started using modafinilxl and didn't have issues aside from Express taking 18+ days.

Regardless as covid pandemic I decided to use buymoda as I seen horrid posts on here about arrival times from other vendors. So on 5/18/20 I made an order for 100 modvigil and 10 free packets and I paid via paypal. Transaction was really smooth and easier than bitcoin for me. Received my tracking on 5/20/20 Probably checked track17 and parcelapp every day for damn near 16 days till I noticed it was on track and package arrived 6/18/20 even though it went through the Chicago blackhole. I don't know why but my tracking info stopped on 6/18 showing out for delivery. Now it says in transit for 118 days but that's not correct I got my package on 6/18. It leads me to believe that's the same for many others who are just hoping for a free reship.

3 ModadinilXL never had issues with them before pandemic aside from always ordering 100 pills using bitcoin and even with the express shipping pre covid times it always took 18-25 days, started to believe the Express shipping was just BS made me appreciate the old afinilexpress days of free shipping in 2 weeks.

Regardless made my order on 5/20/20 finally went through on 5/30/20 after multiple emails, Tracking didnt update till nearly arrived on 7/9/20 showing 25 days in transit, but technically it was over 30 days since I made the order.
Also recently before using expressPCT I gambled a bit in trying FLModafinil using Kingthelamathus, I was ordering powder 2 grams for $25 and with shipping spending $35 and arriving at my doorstep within 1 or 2 days of order if before 12PM
That shit was almost too strong, granted I've been using 2 200mg mods daily, I was filling a capsuls with what i expect was probably 200-300mg of the Flmodafinil, it was same effects of armo little stronger, when I stopped taking it due to receiving expressPCT order it made it so I had to take like 3 or 4 modvigils just to feel any effect. So I've been on a break not taking them for a week or two, probably won't use my armo coming in on the 9th till the end of the month to lower my tolerance.
So that's my experience during pandemic times, my experience always on these forums etc.
Reading everyone's reviews and everyone panicking, everyone questioning everyone's reviews and such, I had to login and post this. It's getting ridiculous. Especially the fact people posting about orders taking 3 months doesn't make sense, maybe they are hoping for a free handout from these vendors.
Again I'll have pictures posted here within the hour of tracking

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:

• Cash Back at a lot of locations, and more are added frequently.
• Cash out via PayPal, Bitcoin, or Prepaid Visa.
• Stacks.

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.

• Target - 1%
• Uber - 1%
• Lyft - 1%
• Chipotle - 1.2%
• Chick-Fil-A - 1%
• Panda Express - 1.5%
• Petco - 1%
• PetSmart - 1%
• Sephora - 1%
• Banana Republic - 1%
• American Eagle Outfitters - 1%
• Gap - 1%
• Old Navy - 1%
• Taco Bell - 2%
• Dominos Pizza - 1.5%
• CVS - 1%
• Starbucks - 1%
• AMC - 2%
• GameStop - 1.2%
• Subway - 1.5%
• 7-Eleven - 1%
• Dunkin' Donuts - 1.5%
• Walgreens - 0.5%
• Nordstrom - 1%
• Supercuts - 2%
• ZARA - 1.2%
• Express - 1%
• H&M - 1.2%
• Urban Outfitters - 1%
• + Local locations - ~5%

In addition to receiving cash back at many locations, Pei also has a 'loyalty bonus' where if you shop at a certain store 5x you'll earn a bonus of 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.

• Sam's Club - 5%
• Walmart Grocery - 2%
• Dunkin' - 4%
• Wendy's - 3%
• Uber - ?%
• Papa John's 3%
• Many local places - 5%
• More that I'm not targeted for

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:

• Swagbucks Local
• Yelp Dining
• Mogl
• Coupons.com
• RetailMeNot

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!

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As a result of a predicted boost as well as the development of 2020’s impact on business, the ecommerce market is multiplying. Everyday, even more merchants are making the move to on-line marketing, while business owners are getting their start via ecommerce ventures.
By 2022, e-retail earnings will expand to $6.54 trillion, up from $3.53 trillion in 2019.
Nevertheless, ecommerce is an ever-changing industry. Yearly, numerous brand-new trends show up that can help your service expand as well as surpass your rivals– 2021 is no various.
Keeping up with development trends can make your shop always be liked by customers, so you should never miss these e-commerce development trends.Let’s look at the top 8 ecommerce fads to watch out for in 2021.

1. Voice Business Will Surge.

Individuals are progressively relying upon voice assistant devices like the Amazon.com Mirror with Alexa and the Google Home with Google Aide to do every little thing, from waking them to getting items online. 75% of U.S. houses will have clever speakers by 2025. Voice commerce sales are prepared for to reach $40 billion by 2022.
Another reason why voice commerce gets on the rise is the growing accuracy and also comfort of the innovation. Both Google and also Amazon are pressing regional languages in their virtual aide devices to help customers go shopping even more conveniently.
Consequently, it is necessary to enhance your on-line store for voice search.
Here are four ways to prepare your ecommerce website for voice queries.

• Enhance your web content to enhance your opportunities of appearing in voice searches.
• Include a new skill on Alexa and Google voice aide gadgets.
• Deal voice-based navigating on your web site and also mobile application.
• Ensure your products can be bought with a straightforward flow using voice command.

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2. Omnichannel Buying Will End Up Being the New Normal.

Omnichannel selling refers to supplying consumers a smooth as well as consistent experience throughout channels as well as gadgets.
In a study by HBR (Harvard Service Testimonial), 73% of respondents stated they utilize multiple channels during their purchasing journey. This data is almost 4 years of ages.
With the boost in the adoption of mobile devices and voice aides, I can only imagine that the number of omnichannel consumers will certainly increase a lot more in 2021.
Usage analytics tools like Finteza that give thorough ecommerce analytics to identify client actions and track whatever pertaining to the cash flow. An analytics device of this type aids you assess which items remain in need, monitor your profit and loss, as well as evaluate client commitment. Finteza additionally enables you to develop records for occasions that matter one of the most to your service, such as view items, add to cart, check out progress, as well as checkout success.
These understandings enable you to provide the exact item that your consumers are searching for and also supply a seamless shopping experience.
Below are some even more ways for you to use a seamless omnichannel experience.

• Optimize your website for mobile devices. If you have the budget, then create a mobile app or a PWA.
• Personalize the customer experience at every step possible.
• Use tools like SAP Commerce Cloud to ensure a personalized and comprehensive ecommerce experience with end-to-end online retail processes.
• Offer various purchase options, such as
  • Buy online, pick up in-store
  • Buy in-store, choose home delivery
  • Buy online, get doorstep delivery

3. AI and AR Will Enhance the Ecommerce Experience.

Online sellers will certainly invest $ 7.3 billion on AI by 2022. More than 120,000 shops will certainly be utilizing AR modern technologies to use clients an abundant acquiring experience by 2022.
Expert system (AI) serves as your on-line in-store affiliate by providing customized guidance and recommendations to your clients. AI uses consumers’ past acquisition history and also searching behavior to show them items they are most likely to buy.
Unlike in physical stores, online buyers can not try out or physically inspect the item that they mean to purchase. Augmented truth (AR) assists remove this obstacle by allowing customers see exactly how a particular product would certainly look on them also prior to they purchase the item.
By executing AI and AR in your ecommerce shop, you will likely see a rise in conversions and also a decline in the return price.

4. New Payment Choices Will Certainly Emerge.

Payment alternatives are among the major reasons that clients choose a particular brand. If you don’t offer your customers’ preferred repayment approach, they will not purchase from your ecommerce shop.
As of now, most ecommerce services approve electronic purses (like Google Pay, Samsung or Apple Pay, and also PayPal) besides debit as well as charge card. Cryptocurrencies, particularly Bitcoin, have several advantages for online store proprietors, such as low deal costs and no reverse purchases.
For example, Overstock partnered with Coinbase, a Bitcoin platform, to permit customers to use Bitcoin as a repayment technique.
In 2021, we could see more ecommerce companies will begin approving cryptocurrencies for deals.
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