Source: https://trybeaver.app/best/stock-reward-apps

[← All guides](https://trybeaver.app/learn)

# 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.

[Stash ↗](https://www.stash.com/pricing/) [Grifin ↗](https://help.grifin.com/knowledge/how-much-does-grifin-cost)

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.

## Try Beaver early

Request an invitation for iPhone.

[Get early access](https://trybeaver.app/#early-access)

## Keep reading

[Compare round-up investing apps ↗](https://trybeaver.app/best/round-up-investing-apps) [Alternatives to Acorns ↗](https://trybeaver.app/alternatives/acorns) [Alternatives to Grifin ↗](https://trybeaver.app/alternatives/grifin)