3. Fetch Rewards: Get Free Prepaid Visa and MasterCards

A free app called Fetch Rewards will turn your receipts into gift cards. It partners with tons of brands to give you points for every grocery receipt you share. Then you can exchange them for prepaid cards for Visa and MasterCard.

All you have to do is download the app and create an account, then send in photos of your grocery receipts to earn prepaid Visa or MasterCards.

Pros: No scanning barcodes or searching for offers — all you have to do is send Fetch a photo of your receipt, and it does everything for you. Plus, you can use it with any grocery receipt.

Cons: You need a minimum of 3,000 points to cash out, but offers range from 250 to 3,000 points, so it should be easy to hit the minimum quickly. We’ve seen offers of 2,000 points when you purchase a Suave female hair product and 2,000 points for a 12-pack of Blue Moon.

Payment method: When you reach your minimum, you can cash out in the form of prepaid Visa and MasterCards, or for gift cards to participating retailers.

Pro tip: Get in the habit of using Fetch soon after your shopping trips, as your receipts must be from the past 14 days. Plus, when you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt — you’ll be well on your way to your first gift card.

Available on Android (4.2 stars) and iOS (4.8 stars).