Stock rewards and purchase-based investing
Some apps offer rewards for card spending. Others use your money to make an investment when you shop. Check which model you are signing up for.
| Compare |  Beaver |  Stash |  Grifin |
|---|---|---|---|
| Monthly fee | $0 monthly | $12 / month | Paid membership; plan varies |
| How it works | Nearest dollar, percentage, or spending match | Stock-Back rewards on its debit card | An amount per purchase, invested weekly |
| Where it goes | One investment, by brand, or by category | Stocks, funds, and managed portfolios | Brand-linked investing with adjustable settings |
| Card or account | Use your linked card | Stash debit card for Stock-Back rewards | Use your linked cards |
| What you hold | Tokenized securities in your wallet | Brokerage, retirement, and children’s accounts | Brokerage account |
Sources and pricing details
Beaver charges 1% per investment, 2.5% on sales, and 0.10% on withdrawals. Stablecoin deposits are free; other deposits cost 0.10%. Early access is invite-only. Round-ups use your money; card rewards are a different product.
Checked September 23, 2026. Standard monthly plans shown; promotions and annual plans may differ. Subscription prices cover different services and are not total investment costs.
Grifin’s published fees vary by plan. Tokenized securities have different rights and risks from conventional brokerage holdings.
Where Beaver stands out
Beaver lets you choose how much to invest and where it goes, with no monthly subscription or separate rewards card. It is purchase-based investing funded by you, rather than a card reward.
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Request an invitation for iPhone.
