While Shopkick focuses on major chains, LevelUp tends to partner with Mom-and-Pop shops and individual franchises. Once you download the app, you can load money onto it using your debit card and use it to pay at various partner restaurants and stores—such as Auntie Anne's or Quiznos Subs. Most shops offer anywhere from $1-$10 when you use LevelUp in their store for the first time, or for spending a certain amount. The average user saves $25 per month with the app, said LevelUp spokesperson Jenelle Tortorella.
The challenge with these apps is making sure you only buy items you need, instead of rationalizing impulse buys with, "But this gift card will give me $5 off!"