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We all know the beneficial ways you can earn points and avail of promotions with a credit card. But too many people have either maxed out their credit cards, have poor ratings or they are trying to use their credit cards less to keep from ending up in mountains of debt.

And so, unfortunately, these people are missing out on the benefits of the promotions and point rewards that come with using a credit card.

Luckily, things are changing and now anyone can profit with the same kind of perks – with an app that lets you earn points and rewards with your Debit Card. All thanks to Drop.

What is the DROP App?

Drop is a completely free app that automatically tracks your debit (and credit) card purchases and awards points when you purchase with chosen retailers and through your favorite stores and services using your linked debit card – providing you with promotions and rewards that were only previously available with a credit card.

The app was developed in Canada and was originally only accessible there, but is now also available in the US and is growing fast, looking to be the next big fad on everyone’s phone.

How does it work?

Once you have downloaded the app to your phone, created an account and linked your bank and card(s), you choose up to five of your favorite stores and merchants that you use regularly, which include the likes of Amazon, Netflix, Starbucks, Walmart, Whole Foods, Dunkin’ Donuts, Trader Joe’s, Costco, Uber and many more.

Then, every time you use your card in-store or online, your points are applied to your account. Little by little, drop by drop. And then, before you know it, you’ve got a nice pile of points!

You can then redeem your Drop points for gift cards. Every 1000 points are equal to $1. It may not seem like much, but it all adds up.

You can also earn points by referring friends, playing in-app games, contests and challenges or shopping and spending through offers in the app itself, including booking flights and hotels through integrated partners in the app, like Rocketmiles.

What are the benefits?

You earn gift cards for the money you are already spending, so it costs you nothing more to use and you do not have to change your spending habits. It is automatic, always running in the background.

You don’t have to carry several loyalty and rewards cards in your wallet or pocket from your numerous favorite stores and merchants to earn special offers and freebies. It is all in one place, conveniently on your phone and automatic when you use your card.

With the regular in-app boosted offers, you can try new or other brands that are not on your favorite list – and still earn points.

Your usual non-point-earning Debit Card is now a rewards card! It is hassle-free, secure and easy to use.

So, drop everything, but don’t drop your phone! So you can drop into the app store and – have we dropped enough hints? – Go try DROP!