Every once awhile you find an app that frustrates the heck out of you. It’s not because they don’t work or get in the way of productivity. It’s that they’re smart, simple, and unbelievably helpful - where the design is so intelligent it gets us to slap our foreheads and say, “Geez, why didn’t I think of that!?”
We all enjoy a good deal. Unfortunately, not all of us have time to bargain shop or get to the store during sales events. If you’re an avid online shopper or opt for receipts via email when in-store shopping, you can make money back on purchases without lifting a finger using Earny.com.
Many of the larger retailers now incorporate “price adjustment” policies. Basically, if a retailer has a price drop on an item you purchased within an allotted time, they’ll refund your money. However, you need to consistently peruse the internet for changing deals, compare receipts, and fill out forms to receive the cash back. This differs from “price matching” where a retailer compares their price to outside retailers and pays you the difference.
Earny crawls the internet for price adjustments and gives you the cash back. It’s a small price to pay for 'free money,' but they do take a 25% commission for the service. You just sign up, allow Earny access to your email account, and continue shopping. The app will sift through your receipts over the past 90 days and hunt for previous price adjustments in your shopping history, while also logging future purchases as they arrive in your inbox.
A notable fear is their access to your email account. Earny verifies they won’t trade your information to any outside source, nor can they access your true emails. They use AES-256 and RSA-2048 encryption algorithms (the same encryption tech banks use) secured by Two-Factor Authentication. Should you still be worried, there’s no reason you can’t create an alternate email address solely intended for shopping purposes - which is also a useful tool when budgeting shopping expenses.
You have the option to use the credit card of your choice for a large majority of the above retailers, yet using CitiBank or Chase credit cards, along with an assortment of Mastercard choices, offers the added bonus of price protecting your purchases.
Not every major retailer is currently participating in the program. This is strange, as involvement offers consumers more incentive to shop in their stores rather than their competitors. Here’s who is currently working with Earny:
Amazon, Best Buy, Bloomingdale's, Carter's, Costco, JCrew, Jet, Kohl's, Macy's, Newegg, Nike, Nordstrom, Overstock, Sears, Staples, Target, Walmart, Zappos, Home Depot, and the Gap Group (Gap, Banana Republic, Old Navy, Athleta).
The fantastic evolution of the internet continually provides new services for the consumer. We’ve grown accustomed to rewards from credit cards and the classic hunt of sniffing out a deal, yet combining these two while saving personal time is a gift. The simplicity of Earny paired with the ease in which it is used offers a smart and effective way to save money – even when you aren’t paying attention.