15 Apps that Should be on Every iPhone

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

Your smartphone cost you hundreds of dollars. Isn’t it time for it to start earning its keep?

While your phone can’t exactly get a job, it can give you access to some amazing apps that will actually save you money. Download them all, and your phone bill just might start paying itself!

There are so many important things in life that saving more money can help you to achieve. Whether you’re thinking of buying a home, taking an Instagramable trip, or buying a new set of wheels, having a strong savings is essential to helping you get the things you want out of life.

Plus, experts recommend always having a fully-stocked emergency fund containing three to six months of your expenses to protect you in case of unforeseen bills or even job loss.

So, are you ready to start using your phone to save big? Time to start downloading these apps and saving/making money today.

1. Fun Times in 3 Minute Increments – A Classic Game for $

3 minutes.

Make as many 21s as you can within that time or until you run out of moves.

That’s the basic gist of 21 Blitz, a modern take on a classic game where you’re no longer just playing against the dealer but with actual people around the world.

It’s fast-paced and it basically does all of the math for you. This game is great for killing time and earning cash all at once.

You can play for free against real people for prizes or switch over to cash games to win…well, cash! Cash game winners can win up to $7,000 or more in the mini-tournament.

Cash tournaments not available in AZ, AR, CT, DE, FL, LA, ME, MT, SC, SD, TN, IN.

2. Don’t Toss That Receipt! Do This First for Free Money

Alice Ly / The Smart Wallet

Before you crumple up that receipt in your pocket or forever lose it in the abyss of your purse, scan it into the Fetch Rewards app, and earn points towards free money. I repeat, free money.

It’s ridiculously simple and actually fun to use.

Shop at any grocery store, convenience store, club store, neighborhood store, or big box store, take a picture with the app, and that’s it. (Favorites include Target, Kroger, and Walmart!)

Unlike other apps, you don’t have to go to specific stores, there’s nothing to pre-select prior to shopping, and there’s no minimum spend. Just scan in any receipt from a store that sells groceries (even when you didn’t actually buy any groceries) and boom, points for money.

You can start cashing out as soon as $3 (3,000 points) and you can grab a $2 welcome bonus on us (2,000 points) when you use promo code REWARD before scanning your first receipt!

Welcome bonus: $2
Average savings a month (depends on purchases): $25
What it could add up to in a year: $302
Additional referral earnings: $2 per referral

3. Not Your Grandma’s Bingo - Play Anywhere for Cash

Classic bingo is a game based on both luck and skill since it takes strategy to beat the odds of the house and the players around you.

However, you can ditch the bingo hall and giant stamps in favor of Blackout Blitz, a fast-paced and competitive bingo game that you can play anywhere on your phone. And even against your friends.

2 minutes. That’s all you need per game where you play against another person around the world. Everyone sees the same card and balls so by daubing (tapping the number) fast and correctly, you’ll get bonus boosts for more points! Tap the incorrect number and points will get docked so don’t get sloppy!

This easy-to-learn game is awesome for killing time and earning cash all at once, anywhere.

You can play for free against real people for prizes or switch over to cash games to win…cash! Cash game winners can win up to $1,000 or more in mini-tournaments.

Cash tournaments not available in AZ, AR, CT, DE, FL, LA, MT, SC, SD, and TN.

4. School Competitors in Solitaire and Ca$h In

When you want to take a 5-minute break, check out Solitaire Cube, which is like regular Solitaire, except you get to play for real cash.

The game matches you with players of the same skill level, so you have a solid chance of winning. If you’re a good Solitaire player, you could win some serious cash, like Katie Nguyen who took home $380,984 last year as one of the Top 10 Solitaire Cube players! Even casual players like Amanda, a stay-at-home mom won a 55″ TV, $6,000 and more!

So if you think you can handle playing some Solitaire Cube to win legit cash, definitely download this game for free. 

Cash tournaments aren’t available in AZ, AR, CT, DE, FL, LA, ME, MT, SC, SD, TN, IN.

5. You Gotta Eat! Get Up to $240 Cash Back in Grocery Savings

Drobot Dean

Did you know that it’s 325% more expensive to eat out versus eating at home*? Maybe it’s time to make more trips to the grocery store instead.

You’ll be aware of all the ingredients in your meal,  in addition, you’ll get paid just for shopping!

It’s simple. All you have to do is take a picture of your grocery receipt and Ibotta will pay you cash.

Here’s how it works:

Before you go to the store, search for your shopping list items in the Ibotta app. After your store visit, take a photo of your receipt to get cash back.

Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses when you sign up! They’ve already given out $186 million dollars cash back to savers in 2019 alone.

Some offers we found:

  • 25 cents back on any item
  • $3 back on various shaving razors
  • $2 back on KIND Protein Bars
  • 25 cents – $4 back on ice cream
  • $2 back on Herbal Essence Haircare

Popular stores are Walmart, Target, Kroger, and Trader Joe’s but Ibotta also works at restaurants, online shopping sites, and even at the bar. On average, active Ibotta users save up to $240 a year or more but the highest saver got $13,000 in cash back this year! What would you do with that extra money?

Welcome Bonus: Up to $20
Average savings a month: $20
What it could add up to in a year: $240
Additional Referral Earnings: $5 per referral

6. Affordable Car Insurance Exists - Here’s How You Could Save $610 This Year

You’re sharing the same roads with a lot of different people. Distracted people, oblivious people, road-rage people, etc. It’s best to cover yourself with insurance when everyone is operating a giant motor vehicle.

That’s why car insurance exists and is mandatory. You might be overpaying on your current insurance premium since it can be a hassle finding another provider.

However, you can search for quotes easily on EverQuote. They help match you among dozens of regional agencies and insurance carriers to filter the best matches to save on your car insurance.

It takes about 4 minutes to fill out the form and you’ll see a list of matches that show potential online quotes, email, and potential phone quotes.

EverQuote can save drivers $610 a year on average* compared to their current insurance premiums. Once you see your list of potential matches, choose the online ones you want or wait for more information via email or phone.

It’s a pretty simple process, so try it out to see how much you could be saving on the road!

7. Never Overpay for Car Insurance Again - Save $826 a Year

Let’s talk about the not-so-sexy topic of car insurance. You need it, you have it, but you’re probably overpaying for it. By how much though? It can depend on your car, location, age, and more, but on average you’re probably spending $826/year more than you need to.

You’ll know how much if you use Savvy to check for fast and easy savings. There are no forms to fill out since it uses your existing insurance info, and the system will instantly check for a better deal. It literally takes 30 seconds and they protect your phone number and email from spam.

Once Savvy finds you a better deal and you choose to switch, they’ll help you cancel your old policy, enroll you in the better one, and get a full refund on the unused portion of your prior payments. It’s the simplest and easiest way to get a refund on your overpriced car insurance policy.

8. Play Games, Save Money, Win Cash. Saving is Actually Fun Now.

Look, we know saving money is boring, but it’s just one of those non-negotiables in life. 63% of Americans don’t even have enough to cover a $500 emergency. Yikes.

That’s why Long Game Savings is actually making saving fun by just playing free games on their app. Games are light and easy-to-play (think lotteries, scratchers, slots, and more) and you can win daily cash prizes up to $1M (yes, million) and crypto!

When you set up a savings account, you access the games. The more money you save, the more you can play and now, their new debit card lets you earn more rewards just by spending normally. It has a RoundUp feature that lets your purchases be rounded up to the nearest dollar with the change going towards your savings. So every time you’re buying a meal, getting stuff at Target, etc, you’re contributing to your savings and earning interest!

Long Game Savings is completely free-to-use as banks pay them, not you. There’s no way to lose money, but plenty of ways to earn and win! Plus you can withdraw your money at any time.

9. An Innovative New Way to Improve Your Credit Scores Instantly - And it’s Free

Having a low credit score can impact a lot in your life, like the ability to rent an apartment, get a car, and even a cellphone plan.

That’s why it’s important to maintain positive credit card payment history and to keep credit utilization ratio in check (not using more than 30% of your credit line on any credit card).

Regardless of what your score is currently at though, everyone can use a boost to their 3 digit number, and Experian® wants to help.

A new feature called Experian Boost™* can help instantly improve your credit scores for free.

Experian does this by adding your positive payment history from utility and telecom bills to your Experian credit file. This is huge, because previously, your gas, water, electricity, TV, internet, and phone bills that you already pay for didn’t affect your credit. Now it does and to your benefit of potentially increasing your credit scores!

It’s simple to start, and all you need is a free Experian Boost membership and a few minutes to connect read-only permission to the online bank accounts you use to pay bills. Experian will check only utility and telecom payments and get you credit for the payments you’ve already been paying.

This process doesn’t hurt your credit at all and you can choose to remove the boost if you want.

Compared to expensive and drawn out credit repair services, this new alternative is the fastest and no-cost way to instantly improve your credit scores.

*Results may vary, see website for details.

10. Buy Stuff Normally = Get Gift Cards You Actually Want

If you have room for 1 more app on your phone, then it needs to be this.

Actually, delete another app to make room for this one. It’s that good.

It’s called Drop, a free app that gives you gift cards on stuff you already buy from your favorite stores and brands.

Your everyday purchases from Amazon, Target, Trader Joe’s, and Walmart? You’ll get points for that. Points translate to gift cards so the more you collect, the more you can redeem!

You’ll get access to many other offers that you can activate ranging from Entertainment, Personal Care, Grocery, Apparel and more.

The only thing you need to do is link any credit or debit card you usually use for buying stuff and that’s it! Drop will automatically recognize when you buy from your activated offers to reward.

There’s literally no downside to using this free app to get more gift cards. Use it on top of your loyalty points and credit card points for even more rewards!

LIMITED TIME OFFER: Use promo code SMARTWALLET to unlock 10,000 points ($10!!) automatically when you earn your first 1,000 points.

11. Stop Losing Money on Recurring Subs and Budget Better

Autopay can be both a blessing and a curse.

No more late payments, woohoo!

Wait, I’ve been paying for a service that I signed up as a free trial? Ouch.

And you wouldn’t be alone. 84% of people forget they have some sort of recurring subscription.

So stop letting money slip away and budget smarter with easy-to-use Truebill.

You’ll see all your current subs at a glance and then you can decide which to cancel, which the app does for you. Even that pesky gym membership that’s typically so hard to get out of.

Truebill also has a killer budgeting feature: it pulls your historical spending, organizes it, and allows you to clearly see your spending so you can set a target budget with context. (Aka you can see where you’re wasting money on).

Already spending 74% of your dining budget and it’s not even mid-month? Time to cut back and the app will even alert you.

It’s simple but actionable money management that anyone can follow and it’s free to use!

12. Pay Less on Student Loans. Get More Out of Life.

If you feel bogged down by student loans, you’re not alone. 44.7 million Americans have student loan debt, making the total student loan debt in the United States above $1.47 trillion dollars(*). However, there are options to ease that financial burden.

One way is to refinance your student loans (whether they’re federal, private, or ParentPLUS), consolidating that debt at a lower interest rate.

Credible’s made that part easy. Their loan marketplace helps you find prequalified rates from multiple lenders in just 2 minutes.

They can help you find options to lower your interest rate, reduce your monthly payment, or both! To see your options, just fill out a quick information sheet and compare your prequalified rates – without impacting your credit score. You can even get your finalized offer in as little as one business day.

There are no prepayment penalties, loan application fees, or origination fees through Credible’s lending partners, and the marketplace is free to use!

13. Get a Personal Loan Fast Even if You Have Bad Credit

Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.

Even if you have a poor credit score you could still get a personal loan for your short-term financial needs, especially during these uncertain times.

OppLoans can help if you’re qualified (see list below).

Submitting an application doesn’t affect your FICO credit score and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.

Here’s who can qualify:

  1. Residents of AL, AR, AZ, DC, DE, FL, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, or VA
  2. Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
  3. Employed at your current job for at least 3 months
  4. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  5. A traditional bank account in your name that’s been open for at least 90 days
  6. You get your paychecks via direct deposit

Qualified borrowers will be able to borrow up to $4,000 depending on their state.

And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!

14. Like Tetris But With No Gravity - Play Anywhere for Cash

If you enjoy playing Tetris and making colored cubes explode, then Jewel Blitz is your game.

Just 3 minutes. Clear as many rows or columns as you can by dragging tiles onto the puzzle board. You’ll get bonus points for combo explosions and depending on the cube color, different score values. Play with anyone in the world or with your friends!

This easy-to-learn game is awesome for killing time and earning cash all at once, anywhere.

You can play for free against real people for prizes or switch over to cash games to win…cash! Cash game winners can win up to $2,000 or more in mini-tournaments.

Cash tournaments not available in AZ, AR, CT, DE, FL, LA, MT, SC, SD, and TN.

15. Make 1.61% Interest On Your Money with Fee-Free Banking

Traditional banks may2 seem to take every opportunity they can to squeeze more money out of you. With everything from a monthly service fee to various hidden fees nibbling away at your account balance. Enter Varo which was founded to provide banking services without the hidden fees.

Yep, Varo has no monthly service fees, no foreign transaction fees, and no ATM withdrawal fees. On top of having no fees, Varo lets you make more money on your money. Varo provides a high-yield savings account that starts at 1.61% Annual Percentage Yield (APY)1 that can move up to 2.80% APY1 based on qualifying activity. To put this into perspective, the average APY of the 5 biggest national banks is 0.09%.*

Varo has a few sweet extra features too:

  • Get your paycheck up to 2 days earlier^
  • No minimum balance requirement
  • Over 55,000+ AllPoint® ATMs worldwide to use your Varo Visa® debit card
  • Offers personal loans to pre-qualified customers who want to consolidate debt
  • Varo will send any paper check to anyone in the U.S. on your behalf
  • “Save the Change” rounds up your purchases to the nearest dollar and saves the difference to your Varo savings account

If you’re sick of being charged banking fees and want to make more out of your money, check out Varo. It takes less than 5 minutes to learn more and apply for free.

*325% more expensive eating out vs home source: Investment Zen

*EverQuote’s individual savings, if any, and premiums will vary by customer. Savings amount based on countrywide survey of users from Nov 2018 to Apr 2019 who reported old and new premiums.

*EverQuote’s individual savings, if any, and premiums will vary by customer. Savings amount based on countrywide survey of users from Nov 2018 to Apr 2019 who reported old and new premiums.

*OppLoans APR ranges from 59%-199% depending on the state.

*0.09% national average APY: FDIC for the week of Feb 11, 2019- https://www.fdic.gov/regulations/resources/rates/#one

1 – Varo Annual Percentage Yield (APY) is accurate as of March 31, 2020. This rate is variable and may change. No minimum balance required to open account. Balance in Savings must be at least $0.01 to earn interest.

^Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.