19 Ways to Rack Up $900 to Spend at Walmart

Hand holding a twenty dollar bill in front of a Walmart beauty aisle shelf
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.

Walmart is the number one retailer in the world and for good reason. Their prices are pretty awesome and you’re most likely to find one within 15 minutes of your home. Not to mention the sheer amount of products they carry.

Even though I haven’t personally stepped foot into the store in a while, I utilize their free curbside pickup service. Paying online, and having someone bring the purchases to my trunk is the best!

It also helps me from buying anything extra, since you’re more likely to buy something if you touch it. But if you don’t want to worry about budgeting, and just want to go on a spending spree (who doesn’t?) especially with the holidays coming up, it’s possible!

Below are some of our favorite ways to earn and save some money. Small consistent moves will pay off so you can have a killer shopping spree.

1. Fetch All Your Receipts (Even Virtual) & Get Free Money Back

Alice Ly / The Smart Wallet

Check your pockets; check your purse. And keep email receipts.

Grab all the recent receipts you have and scan them into Fetch Rewards to earn points towards free money. Even better? Connect your email inbox and it’ll count your email receipts too from Amazon, Instacart, Shipt, and more!

Basically, shop at any store (grocery, drugstore, warehouse, everywhere and online), snap a pic with the app, and boom, you’ve got points for money. Upload your restaurant and drive-thru receipts too.

There’s no minimum spend, no need to manually select items, just scan in any receipt from any store and it’ll automatically reward you.

Be sure to grab 2,000 welcome points on us when you use promo code REWARD before scanning your first receipt!

2. New Year, New Financially Responsible You Can Save Up to $720

How much did you spend over the holidays? On average, Americans spend about $1,000!

You can get up to 70% of that back in the new year by using Truebill, a free money management app that’s like your own financial control center and personal finance assistant in one. The app groups all your banking accounts together so you can see your earnings and spending in one spot. Plus, it helps you budget even if you don’t know how to.

Truebill will also alert you when services quietly raise fees, and will even cancel your hidden and unwanted subscriptions for you. Most importantly, Truebill can help lower your monthly bills by 20%! Yup, they negotiate for you so you don’t have to deal with talking to reps.

It’s also time to look forward to new life events since 2020 ruined most of our plans. But that usually comes with a cost. So prepare ahead of time by using Truebill which can save you over $720/year!

3. Get $5* to Invest in Amazon, Apple, Netflix, and More

Office Manager Sarah investing with $5 / Danny Guinta /*Photo for illustrative purposes only

You might think that investing is complicated. Or that you’ll never get a share of these well-known brands like Apple, Facebook, Spotify, etc., but you can. And you don’t have to be rich either.

That’s because Stash, an investment app, lets you start investing1 with just $1. You can choose where to put your money in and they provide guidance and tools to help you along the way. You can invest in major companies that you use or buy from regularly to make the investing process custom to you. Plus, it’s affordable.

As a bonus, Stash is giving new members $5 for any first investment so create an account to get started.*

4. 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 and have been turned down by credit card companies, you could still qualify for a personal loan* for your short-term financial needs.

OppLoans can help. They work to rescue and rebuild middle-income credit-challenged members for a brighter financial future.

Submitting an application won’t impact 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 FL, AL, AR, AZ, DC, DE, 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. 18+ years old (19 if from AL or NE) and cannot be an active duty service member
  4. At least 90 days at current employer
  5. Have direct deposit

Qualified borrowers can borrow up to $4,000 depending on creditworthiness and state of residence.* “Payback is on a set term so no surprises and they are cheaper than those payday loans. I was able to get approved in just a few short hours. They really came through and helped me out!” Mike from Clover, SC.

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

5. This Paid Survey Panel Gives Out 7,000 Gift Cards Daily

There are a lot of survey programs out there, but none as popular as Swagbucks, a free rewards program where you can earn cash for your time and opinion. Members can earn an average of $50 a month!

You get rewarded for doing surveys, searching the web, reading articles, watching videos, and playing fun games but the one activity that earns you the most points is completing surveys. (Don’t skip out on those!)

Points can then be redeemed for free gift cards, cash, and sweepstakes entries. All just by completing fun activities and giving your opinions.

New members can get a free $5 just for signing up, so join the other 10 million members already part of Swagbucks and start earning free rewards!

6. Earn Rewards for Every Trip (Even if It’s Just to the Store)

Credit cards reward you with perks when you swipe. But what if you can be rewarded while you go to the store, jog, head to work, or even, while staying-at-home?

Miles is a free rewards app that lets you earn “miles” automatically for wherever you go and using any transportation. Whether it’s by car, bike, walking, etc. you’ll earn points which they refer to as miles. The more eco-friendly the transportation, the more miles you can earn. For example, running/walking is 200x more than traveling by air.

The miles you earn are then redeemable for rewards like exclusive experiences, products, gift cards, discounts, and services! “I spend nothing to earn miles and redeem them for products I love. Simple and easy to use.” – Paula T.

Since the app is based on location, all you have to do is set Location Services to Always on and it’ll automatically track so you can earn points without thinking about it.

New members get 1,500 bonus miles so download now and start getting rewarded for something you already do! You’ll even get Stay-at-Home bonuses to encourage social distancing.

7. Instantly Get Paid $1 for Each Survey (No Limit!)

By now, you’re probably familiar with surveys. If not, it’s a great way to earn side cash for just giving anonymous opinions and you can join several survey programs to increase earnings.

Add SurveyTime to your list, because what makes them different from others, is that you’ll instantly get paid $1 after each survey completion. No waiting around to accrue at least $15 to cash out, you can get paid right after!

And there’s no limit either, so you can take as many surveys as you want available. You can choose between Target, Amazon, or Walmart gift cards, PayPal, or Bitcoin via Coinbase.

It’s free & easy to start. Just head here to sign up, check your confirmation email, and answer a few introductory questions.

It takes a few days until the system learns your profile to match you with the best surveys so you might be disqualified for some surveys at the beginning. Then you can take as many surveys as you want and it’ll be clear on the site how long each survey would take. On average, each could take 10 minutes with some being as quick as 3 minutes!

8. Get Paid to Take Popular Surveys, Watch Videos, and Even Read Emails With This Site

Priscilla Du Preez

If you’re looking for an easy way to snag a little extra cash by being online, look no further. Inbox Dollars has a wide array of ways to make some money on the side.

Founded in 2000, Inbox Dollars has been around and paying customers for their opinions for over 19 years and counting! They are one of the most trusted survey sites with fun, multiple ways to earn extra cash that sets them apart from the others.

You can stick to sharing your opinion and take surveys, but you can also watch videos, play games, and even read email for some extra cash. Who wouldn’t want to watch movie trailers for money?

They also offer cash back for online shopping and coupon cash rewards to use at the grocery store too!

So if you’re looking for some extra cash and enjoy a wide array of options to earn, Inbox Dollars is a great platform to make a little side money. It’s free to sign up, so give it a try today!

9. Get Paid To Share Your Opinion Anytime

Samantha Gades

Your opinion is valuable. So valuable you deserve to earn extra cash for sharing it.

You can do it with Survey Junkie. They pay cash to members who participate in surveys about their shopping habits, cell phone usage, and more. Basic stuff.

Completing a survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 1,000 points (or $10) you can cash out.

Redeem via:

  • Online gift cards
  • Paypal cash
  • Bank transfer

Signing up for Survey Junkie only takes a few minutes and you’ll earn your first 100 ($1 value!) points just by creating an account, filling out an intro questionnaire, and verifying your email address. Easy.

After that, you’re free to dive into surveys. They have surveys with various durations (5 to 20 minutes) to complete and new ones pop up constantly so you’ll never be bored! Fill one out when you’re waiting for someone or have time to kill.

Survey Junkie won’t get you rich quick (no survey sites ever do), but it’s an easy way to make some extra cash by doing nothing other than giving your opinions.

10. The Secret Shopping Hack To Use Before Buying Anything

Drobot Dean

Make it a habit to check this free app before buying anything online or in-store and you’ll be glad you did. Why? Because you’ll get major cash back!

Cash back. Our favorite word, since it’s essentially free money. Just use Ibotta, an app that pays you real money on your everyday purchases, from groceries (online/in-store), essentials, personal care items, to food delivery, to online shopping just by your receipts.

And with the holidays coming soon, this will be your best shopping hack to save.

Just remember to check Ibotta first before:

  • Shopping at popular stores and services like Target, Ralph’s, Trader Joe’s, Uber Eats, and more
  • Ordering groceries and delivery services like Walmart Grocery, Instacart, Shipt, and more. Link accounts & get cash back on eligible products within 24 hours after your order is picked up or delivered!
  • Online shopping from 100+ online retailers that include Sephora, Under Armour, Gap, and more to get money back

Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses when you sign up!

11. Affordable Car Insurance Exists - Here’s How You Could Save $610

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 less than 4 minutes to fill out the form and you’ll see a list of matches that show 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!

12. Scan the Stuff You Buy & Get Free Rewards

The exclusive National Consumer Panel (NCP) program is opening up again for more participants! This is your opportunity to make your consumer voice heard! (And get paid for it)

When you become a panelist, just use the app to scan the barcodes of items you purchase, provide a few additional transaction details, and you’ll earn points for:

  • Gift Cards
  • Tablets
  • Electronic Equipment
  • Flat Screen TVs
  • and much more from their gift catalog!

Plus, all panelists are automatically entered into weekly, monthly, quarterly, and annual drawings to win extra points and gift cards – even a quarterly sweepstakes to win $5,000!

The more you share your shopping habits (scan barcodes), the more rewards you can get. You can also answer surveys and share information about your overall shopping trip.

“Scanning my purchases is fun! I also enjoy taking the surveys. Earning points is fast and easy and they have a great selection of rewards.” – Jennifer B.

It’s a fun way to earn more rewards on items you’ve already purchased and at no extra cost to you.

Register now to see if you’re eligible to be a National Consumer Panelist. Eligibility will be based on your location. If you don’t get accepted this time, don’t worry! They’re always expanding locations, so check back again.

13. Play Football Squares Anytime For Free to Win Huge Prizes

We’re all missing attending live sporting events and parties but this free football squares game is making it a little easier – and rewarding. Over $275,000 has already been won this season.

Super Squares® is the world’s first Predicter Squares™ game and works well when you’re watching or listening to a live game. Just check-in before regional Sunday games and national evening games to play! You earn points by predicting outcomes, matching squares, rating sponsor ads, and answering a couple of quiz questions related to the ads.

It’s free to play but the prizes are real. The sponsors (you’ll see their ads in-game) help pay for the massive prizes. For instance, $480,000 is up for grabs this tournament, along with two never-been-awarded Rivian® Electric Adventure Vehicles valued at $80,000 each.

“Super fun free game to play to win prizes. Rate 2 ads, answer 3 Predicter questions about the game, and that’s it” – Mark Giannini

Friends can play along with you and you can even join or create a SkyBox, which is a private leaderboard to compete head to head. There are also VIP Skyboxes where radio and Twitch personalities will host special contests!

14. Don’t Go Shopping Without This Free Money-Making App

Do you shop at brands like UberEats, Walmart Grocery, Old Navy, Groupon, Sephora, Lululemon, and Sam’s Club? You’re missing out on free gift cards for those purchases if you’re not using Drop as you shop online and in-stores at brands like these.

Drop, is a 100% free app that lets you earn reward points back on your normal shopping! All you have to remember is: Start with Drop before you shop. From there, it’s as simple as “Tap, Shop, Earn, Redeem.”

  1. Tap on the brand’s offer on Drop
  2. Shop through the brand’s app/website as you normally would. Drop will direct you there!
  3. Earn points back on your purchase.
  4. Redeem your points for a gift card of your choice – whenever and wherever you want!

Plus, when you link the debit/credit cards that you use most, you’ll get access to exclusive deals (like earning points back on every Postmates order) where purchases will automatically get tracked. You’ll even get personalized recommendations based on your shopping preferences.

And use Drop on top of your loyalty and credit card points to stack rewards!

The bottom line is: Not using this app would be like going to an all-inclusive resort, not knowing about all the free food/drinks/activities, and just staying in your room and eating crackers the whole time. No one wants that!

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

15. Never Overpay for Car Insurance - 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.

16. Never Pay Overdraft Fees Again - Banking That Has Your Back

On average, people pay $250/year just on overdraft fees!

Instead of punishing you for silly fees, Chime, has your back. It’s an award-winning (and free to use) mobile banking app that lets you overdraft up to $100 with no fees1 via their SpotMe benefit. This means that $8 you were short on at the grocery store gets spotted and your account won’t overdraft, saving you money. Plus, you get a sleek-looking debit card!

Combined with no hidden fees, the ability to get paid up to 2 days earlier,2 and auto-savings starting at 0.50% APY3 makes Chime a stellar online banking option that doesn’t focus on profiting off of you like traditional banks.

Since Chime free to use, give it a shot!

17. Get Up to 15x Cash Back Rewards with This Sleek, Black Premium Debit Card

A credit card isn’t for everyone, particularly if you know your own spending habits. So when a debit card comes around that has credit-card like perks, take notice.

Current is the first mobile bank to offer up to 15x points whenever you swipe this sleek black premium (or white) debit card, at over 14,000 participating merchants. These points are redeemable for unlimited cash back!

For example, swiping the card at gas stations could net you back $165/year!

Along with the unique rewards program, a Current account has no hidden fees, no minimum balances, over 55,000 fee-free ATMs, and includes money management tools such as savings pods and round ups. Premium members ($4.99/mo) can also enjoy getting paid up to 2 days faster with direct deposit, as well as never worrying about a negative balance since they can use Overdrive™, a benefit that covers them up to $100 when they need it.

Current is free to use (with optional premium upgrade) so don’t miss out on earning points for stuff you were already buying! It takes less than 2 minutes to sign up!

18. Get $5 to Check Your Finances & Feel More Empowered in the New Year

Financial advisors are expensive, so that’s why we’re suggesting the next best thing.

Status Money, a free-to-use budgeting app, tracks your finances and shows how your Spending, Income, Net Worth, Assets, Debts, and Credit Score anonymously compares to other people like you. Do you have more debt than others in your age group? How much do your peers spend on groceries every month?

It’ll also help analyze your finances to help you make better money decisions. You can even chat with your peers anonymously to get tips and advice from the huge community.

Anonymous is the keyword here. You’ll get access to a lot of insight without the pressure of feeling small. It’s also important to start the new year with good financial know-how right?

For Status Money to get the whole picture of your finances, you’ll need to link your bank accounts. It’s safe. They use bank-grade security, encrypt your info, and will only have read-only access.

Get $5 when you sign up and continue getting cash bonuses like $1 for linking a first bank account and $1 for linking a credit report. Earn even more when you act on the app’s personalized recommendations with no limit and no expiration!


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