Photo from

Want to learn new ways to make extra money?

Join 1,000,000+ monthly readers in getting updates and cool freebies:

Our number one goal at DollarSprout is to help readers improve their financial lives, and we regularly partner with companies that share that same vision. Some of the links in this post may be from our partners. Here’s how we make money.

drop app reviewIn this Drop app review, we’re going to show you how Drop works, how you can use it to earn extra cash back, and help you decide whether you should sign up.

Drop is a free app that you can use to earn cash back when you shop. You can earn rewards by taking advantage of special offers not available on other apps.

Lots of people like to shop. Whether you just enjoy getting new things for your home or wardrobe, or you like to get together with friends for a day of shopping, it can be a lot of fun.

What makes shopping less fun is the cost. You have to pay for the products you purchase and depending on what you’re shopping for, it can quickly get expensive.

Related: The Best Cash Back Apps For Shopping We Use to Save Money On Everything

The Drop app helps you get cash back on everyday purchases. Here's our Drop Review.Drop Review at a Glance


  • Earn cash back when you shop
  • Easy to sign up and view offers
  • Earn ongoing rewards for shopping at major brands
  • Cash back can be earned on top of credit card rewards


  • Payment comes in the form of gift cards, not cash
  • Only works if you pay by card. Cash users need not apply
  • A small number of negative reviews when it comes to dealing with support

Best for: People who enjoy shopping, or who simply want to earn some cash back when they do go shopping. People who use credit and debit cards to pay for most of their purchases will get the most mileage out of the app.

get the drop app

See Also: Top 10 Best Shopping Apps for Epic Savings in 2019

What is Drop?

Drop is a service that gives shoppers cash back when they make purchases. With offices in Toronto, Ontario and New York City, Drop serves customers across North America.

For consumers, Drop is simply a way to earn some extra money and to find out about deals at different stores.

When you open the Drop app, you’ll see a list of offers:

drop mockup

For example, you might see that the app is offering 5% back on purchases made at Bed, Bath, & Beyond. If you go to a Bed, Bath, & Beyond store and make a purchase, you’ll get Drop points that you can later redeem for gift cards.

For companies, Drop is a way to advertise. Bed, Bath, & Beyond might offer Drop a commission on all of the customers that Drop can drive to its stores. Drop places a cash back offer in the app, convincing some of its users to visit the store and make purchases.

In this way, Drop helps both consumers and companies.

How Does Drop Work?

Getting Started

The first thing you have to do when you want to use Drop is to download the app. It’s available for iOS and Android, so most people will be able to download it to their phone. Once you’ve done that, you’ll have to make an account.

Once you’ve created an account, you’ll have to link your debit and credit cards. You can do this by signing in to your accounts through the Drop app. If you’re worried about security, rest assured that Drop encrypts all of your personal information with state of the art technology.

Finally, you’ll be asked to select five of your favorite companies from a long list. These companies are usually well-known chains like Starbucks, Target, or Uber. This is a very important part of the sign-up process. Once you select the five companies you will not be able to change them in the future.

The five companies you pick will be the companies that give you ongoing rewards for every purchase you make. Usually, you’ll earn between .8% and 2% cash back for purchases from these companies.

For companies that you do not select, you’ll have to wait for special earning offers to appear.

Earning Rewards

The easiest way to earn rewards is to shop at one of the companies that you select as your favorite companies. You’ll see rewards arrive in your account within a few business days of each purchase.

You should also keep an eye out for special offers. These will appear in the Drop app every once in a while and can be for nearly any company, even one you did not select as a favorite.

When you see these offers pop up, you’ll be prompted to activate the offer or skip it. If you activate the offer, all you have to do is shop at that store to earn rewards. Sometimes you’ll earn a percentage of your purchase. Other times, you’ll earn a flat number of points for meeting a certain spending requirement.

1,000 Drop points = $1

You can also sometimes earn bonuses, which give you points for completing specific tasks. For example, you might get some bonus points for linking a second card. You can also earn bonuses points for referring a friend.

One thing to note is that you’re limited to earning a maximum of 5,000 Drop points per week.

Redeeming Rewards

Unlike cash back credit cards, the rewards that you earn from Drop don’t come in the form of cash. Instead, you earn Drop points from your purchases. One Drop point is worth one-tenth of a penny

Once you’ve accumulated 5,000 Drop points, you can redeem your points for gift cards. You can redeem in 5,000 point increments to get gift cards in $5 increments. Gift cards from a number of popular merchants, such as Amazon and Starbucks are available. You should have no trouble finding a gift card that you can use.

Drop App FAQ

The way Drop works is pretty simple: set up an account, link your card, and shop as normal. Still, you might have a few more detailed questions about how the app works.

Can I still earn credit card rewards while using Drop?


This is one of the best parts of using Drop. You can continue to use whatever credit or debit card you usually use for your shopping. You’ll continue to earn the rewards you always have, the rewards from Drop will be a bonus on top of that. That means you can double-dip on rewards using Drop.

How does Drop make money?

Companies use Drop to market to consumers. Drop takes payment from companies to offer rewards to consumers, paying some of the money to those consumers and pocketing the rest.

Consider this example:

Target offers Drop a 3% commission on any purchases made by customers that Drop refers to Target. Drop offers 1.5% rewards on Target purchases through its app. You see the offer and visit Target, making a $100 purchase. Drop will receive a payment of $3 from Target. You’ll get $1.50 from Drop and Drop will keep the other $1.50 for itself.

Companies benefit from the increase in sales, Drop benefits by taking some commission for itself, and you benefit by earning rewards for your purchase.

Do Drop points expire?

You earn rewards from Drop in the form of points that can be redeemed for money. These points do not expire and can be held until you have enough to redeem them for a gift card.

How long does it take to receive rewards?

Drop typically credits points earned from spending within a week. Sometimes it will be faster and other times it will take a day or two longer.

Special offers have their own terms surrounding when the points will be paid out. Check the fine print when you activate the special offer for exact details.

How does Drop use personal information?

Signing up for Drop means linking your debit and credit cards, giving Drop access to view your spending history and habits.

Drop only uses this information to personalize your Drop offers. It does not provide any personally identifiable information to other companies. If Drop does provide user information to a third party, it is anonymized and aggregated with other users’ information.

Is the Drop app safe?

Drop take security very seriously. The app never stores your bank login credentials, even after you link your accounts. The app uses the same level of encryption that banks and other financial services like Mint and Robinhood do.

The app also uses the most up to date Transport Layer Security encryption to ensure that any data transmitted through the app cannot be intercepted.

Technical jargon aside, the short answer is that Drop is as secure as it can be. If you trust your bank’s level of internet security, you can trust Drop’s level of security.

Who should use Drop?

Drop is a great service for nearly everyone. Almost everyone has to go shopping from time to time, even if it’s just to buy basic clothes and groceries. Drop has offers from companies that offer luxury goods and consumer staples, so nearly anyone will be able to earn some rewards by using the app.

The one catch is that Drop only works if you use your credit or debit card to make purchases. So long as you don’t use cash on a regular basis, and you don’t mind sharing your shopping data with Drop, you can earn rewards with the app.

Related: Rakuten Review 2018: How Does the Cash Back App Work? Is it Legit?

Drop Review Summary

Drop offers consumers rewards for the shopping they do every day, with some bonus opportunities to earn even more rewards. While you cannot redeem the rewards for cash, you can earn gift cards from a wide range of retailers, so nearly everyone can find a reward they can make use of.

get the drop app


TJ Porter has in-depth experience in reviewing financial products such as savings accounts, credit cards, and brokerages, writing how-tos, and answering financial questions. He has also contributed to publications and companies such as My Bank Tracker, CardCruncher, and Echo Fox. He aims to provide actionable advice that can help readers better their financial lives. In his spare time, TJ enjoys thinking up new ways to optimize my own finances, in addition to cooking, reading, playing games (of the board and video variety), soccer, ultimate frisbee, and hockey.

1 comment
Uche Great

Can Drop be used in any country?

Leave your comment


More Cool Stuff

Dosh Review: Is the Dosh App Legit Or A Scam? (Screenshots Included)

In this Dosh Review, we’re going to show you the details of how Dosh works, how it compares to other cash back apps, and whether downloading Dosh is the best choice for you.

Jeff Proctor 05 Aug