How to Earn Free Gift Cards in 5 Steps

Credit card companies across the country have long rewarded saving and spending habits with gift cards. But have you ever thought about tapping into your bank for gift cards? The MoneyLion Visa Debit Card offers credit-card style perks on a debit card, practically unheard of!

MoneyLion also offers incentive rewards for account activity and debit card use to improve your financial health. You can earn gift cards to top spots like Amazon, Best Buy, GameStop, Target, and more.

Be aware — there are lots of “free” offers out there that don’t pan out. Finding a legitimate source for gift cards can be a serious challenge. Here are some red flags you should watch out for whenever you get a free gift card offer.

Unsolicited emails: Did you receive an email that claims you’ve “won” a gift card in a giveaway you don’t remember entering? Chances are, there’s no gift card and you’re the target of a scammer. Don’t respond to these types of emails. Sending any type of response tells scammers that your email is active, which could allow them to sell your email address to other fraudsters.

Requests for personal information with no explanation: It might be legitimate if a bank or company offers you a gift card in exchange for signing up for email promotions. However, there’s no reason why a “survey company” would need your credit card details, phone number or banking information. Always be on your toes if you’re asked for personal information in exchange for a gift card.

An offer that seems too good to be true: Got a text message that says you can earn a $100 gift card just for answering a few questions? Don’t start planning where to put that new TV just yet. In almost every instance, large gift card giveaways are pure scams. 

Once the scammer has your personal information, he or she takes off — and obviously, doesn’t leave a gift card behind for you. Before you accept any kind of offer for a large gift card, contact the retailer and make sure it’s legit. If it sounds too good to be true, it probably is.

Sketchy social media links: Social media-savvy scammers often create fake Facebook, Twitter and Instagram pages in hopes of tricking users. These “official” pages will reach out to users through direct messages and offer gift cards in exchange for personal information. Always verify brand pages before responding to any messages. 

If you notice any one of these copycats, report the page to the social media site as soon as possible. This helps alert administrators to scams and allows them to shut the page down. Like email offers, you should avoid responding to these messages, even if it’s just to say “No, thank you.” 

Let’s move on to something legitimate — free gift cards from MoneyLion. Here’s how you can get started earning your free gift cards.

Step 1: Open Your MoneyLion Account

You’ll need to sign up for a MoneyLion account to start earning rewards. Don’t worry — MoneyLion accounts don’t have any kind of maintenance fees, signup fees, or administrative fees.

Begin by heading over to the Google Play or Apple App store and download the MoneyLion app. Enter your phone number and follow the sign-up steps to open your account.

Step 2: Create a Game Plan to Earn Points

You can begin earning points toward your free gift cards as soon as you open a MoneyLion account. You can earn points by using your MoneyLion Visa Debit Card, including special offers from participating merchants, tracking your credit score, and much more. Go to the Rewards tab of the MoneyLion app to learn all the ways to earn.

MoneyLion also offers members many additional ways to earn throughout the year. For example, during holidays, you may see that members can earn 5 points per $1 spent over the Fourth of July. You might also see a promotion for 1,000 points if you switch your Netflix Hulu or Spotify bill to be paid from your MoneyLion account, for example.

Make a game plan to start building your points bank and watch for those extras that MoneyLion has to offer! 

Step 3: Redeem Your Points for Gift Cards

Once you’ve earned 2,500 points, it’s time to choose your $25 gift card. Use the MoneyLion app to redeem your points at any time. You can choose from hundreds of major retailers, restaurants and other merchants, including Starbucks, Target, Amazon, Walmart, GameStop, Buffalo Wild Wings and more. Cash in your points, choose your merchant, and enjoy your free gift card! 

Step 4: Earn Rewards on Everyday Spending

You can also earn rewards with your MoneyLion Visa Debit Card at many major shops and restaurants. For example, as of the time of this article, you can earn points per $1 spent at GNC, Baskin Robbins, Walgreens, eBay, Target, Best Buy, and many other retailers. Visit the Rewards tab of the app to see the latest offers.

Step 5: Continue Your Positive Habits

Don’t let your newly found financial health go to waste after you’ve gotten your first gift card. Continue earning points and raising your credit score by using your MoneyLion account.

From keeping your credit utilization low to shopping at stores that offer cashback rewards, there are many month-to-month ways that you can continue to earn. 

Reward Yourself for Hitting Your Money Goals

Earning free gift cards is great, but the benefits you’ll get with financial stability are even better. If you haven’t already, sit down with your finances and create a game plan to improve your credit score and save more money.

From building a budget to checking in on your credit score, there are so many ways you can better your finances with MoneyLion — and get free gift cards to boot.

Working your way toward a better credit score or a more stable set of finances can be tough, but MoneyLion knows that having rewards, incentives and guidance along the way can make life a little easier.

Free credit monitoring, some of the best debit-based cashback rewards and an easy-to-use mobile app: MoneyLion could be your first stop on the road to less financial stress. Download the MoneyLion app from the Google Play or Apple App store and enjoy everything MoneyLion has to offer. 


MoneyLion Checking Account provided by, and MoneyLion Visa® Debit Card issued by, Lincoln Savings Bank, Member FDIC. Terms and conditions apply.

MoneyLion rewards points are subject to terms and conditions, see here.