Review: Effortlessly Earn Rewards With the Drop App (But It’s NOT for Everyone)

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For some folks, the best rewards are those that don’t take a lot of effort to earn.  And the Drop app is about as hands-off as you can get!

Team member Jasmin has already redeemed 40,000 Drop points ($40) for Amazon gift cards.   Without investing a lot of time or energy!

This is a nice way to double-dip rewards from the best travel credit cards when you link them to your Drop account.

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Earn Drop Points Automatically and Use Them for Gift Cards With the Drop App!

The Drop app tracks your debit and credit card purchases.  And automatically adds Drop points to your account when you spend at certain merchants you’ve picked from their list.

When you reach a certain threshold, you can redeem Drop points for gift cards to popular retailers, like Amazon, Dunkin Donuts, Whole Foods, JC Penney, and many more!

But Drop has a couple of pitfalls.  I’ll help you decide if it’s worth signing-up for.

Automatically Earn Rewards With the Drop App

Link:   Drop

Drop started in Canada last year.  And until recently was only available by referral in the US.  But now it’s open to everyone.  If you sign-up with our referral link, you’ll earn 1,000 Drop points (worth $1).  That’s not much, but every “drop” counts!  😉

After you’ve joined, you’ll get your own referral link to share with friends (you’ll get 1,000 Drop points, and so will your friend, when they sign-up and link an account).

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Sign-Up for Drop With a Referral Link and Earn 1,000 Drop Points (Worth $1)

Once you’ve downloaded Drop and linked your debit and credit card accounts, you’ll pick 5 merchants from Drop’s list to earn ongoing points.  Then, you’ll earn Drop points for purchases you make with these merchants (in addition to credit card rewards points and other bonus points).

The number of points you’ll earn depends on the merchant.  And you can redeem at a rate of 0.1 cents per Drop point (1,000 Drop points = $1) in increments that vary by retailer.

Here’s how to get started.

1.   Download Drop and Link Accounts

When you download the Drop app to your phone, you’ll be prompted to link your credit or debit accounts to the app.  This means you’ll have to provide logins and passwords for your accounts, which some folks aren’t comfortable with.

You can link accounts from most banks, including:

  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citi
  • Discover
  • TD Bank
  • USAA
  • US Bank
  • Wells Fargo

Even if you bank with a local institution, you might be able to find it with the search function.

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Don’t See Your Bank Listed? Search to Find Local or Regional Banks

Once you select your bank, add your login details.  Repeat the process for each bank you want to link.

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Enter Your User ID and Password for Each Bank
Drop uses the same encryption technology used by major banks and financial apps like Mint, Acorns, and Robinhood.  Still, having to provide bank logins could be a deal breaker for some of y’all!

Some folks choose to only link accounts that are connected to credit cards, NOT savings or checking accounts, to avoid the possibility of having their money tampered with.

Once you’ve linked your accounts, Drop will have access to your transaction data.  That’s how they’ll track what you’ve spent at certain merchants and award points.

2.   Choose (Wisely!) 5 Merchants to Earn Ongoing Points

After linking your accounts, choose 5 merchants from a list of 20+, each of which have different earning rates.

But once you pick, you will NOT be able to change them!  So it’s best to select retailers you know you’ll continue to shop often.  Here are the current rates as of publication:

  • Bath & Body Works – 15 points per $1 (1.5% back)
  • Blue Bottle Coffee – 8 points per $1 (0.8% back)
  • Chipotle – 12 points per $1 (1.2% back)
  • Dunkin Donuts – 14 points per $1 (1.4% back)
  • Fred Meyer – 12 points per $1 (1.2% back)
  • HEB – 10 points per $1 (1% back)
  • Lyft – 10 points per $1 (1% back)
  • Macy’s – 8 points per $1 (0.8% back)
  • McDonalds – 8 points per $1 (0.8% back)
  • Peets Coffee – 8 points per $1 (0.8% back)
  • Safeway – 8 points per $1 (0.8% back)
  • Seamless – 16 points per $1 (1.6% back)
  • 7-Eleven – 16 points per $1 (1.6% back)
  • Starbucks – 12 points per $1 (1.2% back)
  • Target – 8 points per $1 (0.8% back)
  • Trader Joe’s – 12 points per $1 (1.2% back)
  • Uber – 10 points per $1 (1% back)
  • Urban Outfitters – 15 points per $1 (1.5% back)
  • Walgreens – 8 points per $1 (0.8% back)
  • Walmart – 2 points per $1 (0.2% back)
  • Whole Foods – 8 points per $1 (0.8% back)

For example, if you spend $1,000 per month on groceries at Whole Foods, Safeway, or Target, you’d earn 8 Drop points (0.8% back) per $1, or 8,000 Drop points.  That’s worth $8 in rewards (8,000 Drop points X 0.1 cents per point) which you can later trade in for gift cards to Amazon, Starbucks, Groupon, and more!

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Whole Foods Shoppers Can Earn 8 Drop Points per $1 (0.8% Back) on Purchases

Remember, the Drop points you earn are in addition to credit card rewards points, shopping portal points, and rotating category bonuses.  So it’s a great way to triple-dip rewards, even if the earning rates are small.

After choosing your 5 ongoing earn merchants, you don’t have to do anything more to earn points.  Drop will automatically track your purchases and apply the points to your account, usually ~2 to 3 days after the transaction date.

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
You’ll See Transactions in Your Account a Couple of Days After You’ve Made Them
Note:   The screenshot above reflects the higher earning rates Drop offered before they opened the app to everyone.  If you signed-up for Drop before they launched to the public, your rates will stay the same.  But new users will earn less.

For example, Walmart used to offer 10 Drop points per $1 spent (1% back).  But now it’s only 2 Drop points per $1 (0.2% back).  I guess they figured out lots of folks spend a ton at Walmart!  😉

That’s not a great return.  But if you shop at Walmart a lot, it can add up over time.  It’s like having a little robot in the background adding a few points here and there without you having to think about it!

3.   Watch for Special Offers

Take a peek at the Drop app now and then.  You’ll see how many points you’ve earned, and you’ll often get special offers for one-time spending at certain merchants (many of which aren’t ongoing!).

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Drop Will Sometimes Offer Bonuses for Spending at Retailers Other Than the 5 You Chose

You don’t have to do anything except activate these offers and meet the required spending (if any).  Drop will automatically track your spending and award the bonus points.

4.   Redeem Your Points for Gift Cards

When you reach a certain number of points, you can redeem them for gift cards to popular retailers.  For example, you can trade in 10,000 Drop points ($10) for a $10 Dunkin Donuts gift card.

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Cash in Your Points for Gift Cards When You Hit a Certain Threshold

When team member Jasmin redeemed 40,000 Drop points ($40) for Amazon gift cards, Drop sent redemption codes in an email (like a virtual gift card).   It was easy to add to the funds to her Amazon account.

Review Effortlessly Earn Rewards With The Drop App But Its NOT For Everyone
Drop Will Send an Email With Your Gift Card Code

Earlier this year, users reported issues with getting their gift cards after they cashed in their Drop points.  But this seems to have been resolved.

Drop Isn’t Without Drawbacks

If you’re uncomfortable with sharing your bank logins, you shouldn’t use Drop.

And during its initial testing phase in the US, folks reported numerous issues with Drop, including purchases not posting or not being able to redeem points.  These problems didn’t help with Drop’s reputation.

And some customers were upset because they’d run a LOT of additional spending through certain merchants, expecting to earn a lot of Drop points.

Drop then changed its terms and conditions to exclude large purchases, repeat purchases, business spending, and gift cards:

Drop users are permitted to earn points with Drop in connection with spending activity for non-commercial, personal and household purposes (“Qualifying Transactions”).  Drop users are not permitted to earn points with Drop for commercial purposes (e.g. in connection with a business).

They’ve also added a limit of earning 5,000 Drop points per week ($5).  So you’re certainly not going to get rich with this app!  But as a passive way of earning a few extra dollars here and there, it’s worth a look.

Folks have also complained that Drop isn’t very responsive to technical issues or email inquiries.  So if you have an issue, you might not be able to get the help you need quickly.

Bottom Line

The Drop app lets you link your credit and debit card accounts to track purchases made at qualifying merchants.  You’ll automatically earn Drop points, worth 0.1 cents a piece, which you can later cash in for gift cards to popular retailers.

The earning isn’t great.  But Drop is an easy way to earn rewards in addition to miles and points earned from the best travel credit cards and shopping portal bonuses.

But you’ll have to provide your bank login information, which many folks aren’t comfortable with.  And before Drop was released to the public, there were numerous issues with properly tracking spending, redeeming points, and technical support.

Have you tried Drop?  I’d love to hear about your experience!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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3 months ago

This app is an absolute waste of time now as of 2020! Was great until they switched their system and no longer do you get points for every purchase to specific chains like Tim Hortons. Now, IF you remember to accept an offer on say… Amazon purchases, you only get awarded points 1x! Yet their description leads you to believe you will be able to earn points every time you purchase with a “linked card”. Waste of time!

Jack Creek
10 months ago

Continue: …every time I try to enter my info it gets redirected, you see I found this app info at another site where I used my other email address which is not the one that I ordinarily used to sign up for my debit and credit cards! Can you shed some insight as to what I’m doing wrong?

Andrew Wan
Reply to  Jack Creek
10 months ago

Hi Jack! Are you using the link you see here on the post? I just clicked the link and it seems to be working.

Or have you already downloaded the app to your phone and it’s having trouble linking your debit/credit cards?

Jack Creek
10 months ago

Do I have to sign in with …milesecrets as a referral to get through to drop, because every time I try to enter my inf

1 year ago

Nice app

1 year ago

Ordered a $3,000 Samsung Q80. Was sent an email from Drop specifying a “FedEx” tracking number that didn’t work on any FedEx site. After several lengthy chat messages with Drop, was told the shipper was some mom and pop shop called “Diamond Freight”, which Drop rep said was “white glove service”. Called DF 2 days ago, and was told out TV would be here today. Called DF again today and was told there was no record of setting up delivery for today. Got hung up on 3 times in a row -even by the owner- at DS after demanding a confirmation number for the messed up shipping and new ship date. Never had a rep hang up on me if I want being vulvar, but this “white glove” service did. And also refused to answer an email asking for the same confirmation of ship date. Reached out to Drop to escalate the situation and got no response. Unsure that this site is even legit but if it is, the customer service is TERRIBLE. Will never use again.

Mike Forthright
1 year ago


I think in general there are too many companies who use people’s private and personal data in order to generate a profit from. Recently, one of those companies I believe people, especially millennials, should pay close attention to is DROP. Their a Canadian “rewards” company that pulls users banks transactions from their chequing, savings, credit card into their mobile app so DROP can analyze EVERYTHING they buy. Users are under the impression they’re collecting rewards for their everyday purchases, but what they are really doing is allowing DROP to solicit advertising from outside companies who want users to bait and switch them over to them e.g Tim Horton’s to Starbucks, Burger King to McDonalds. I believe users data, especially their private spending habits need to stay private and not used by big corporations for bait and switch campaigns. Users beware!

1 year ago

Do NOT use the app DROP. I changed my phone and phone number and I cannot get my rewards now. this is what they told me by email: Your account has been reviewed and our team has determined the activity on your account has violated our terms of service. Your email(s), credit cards and user information has been flagged in our system.

WHAT? I just changed my phone….
don’t trust them, I lost only time to get 25000 points and now I cannot use them.

1 year ago

I’ve been a user just over a year now. I’m happy with it. Key to success is to wisely choose the 5 merchants that lock in. initially. Points can post quite late, but they’ve always posted for me. So, they have my credit card logins…well so does everyone else in the world after Equifax’s huge breach.

I rarely shop from the app itself for bonus points and enjoy about $10 in amazon gift cards every quarter or so. If a merchant you don’t regularly visit isn’t on the list to choose at the beginning, I’d say forget using this app.