Yesterday Doctor of Credit wrote about the Drop app which is like the now-defunct Plink — a double dipping tool that gives you points for spending money at a variety of merchants.

The great thing is that you register your credit cards and they know when you spend the money. This isn’t based on links you click. So you are still able to earn shopping portal points for your online purchases, and you still earn credit card rewards points for your purchases.

These are additional rewards layered on top of your existing earning for the purchases you already make. And you can earn up to 2% this way including at stores like Amazon, Walmart, Whole Foods, Starbucks and Target and for Uber among other things. That’s huge.

• There is no public link to join, only to get on the wait list.

• What you should do is download the app. It’s called drop. I searched “Drop Loyalty” in the Android Play Store. They have an iPhone app as well.

• Once you install the app you can register, but you need an invite code.

• You can use my invite code: kc2dh (I believe we both get 1000 points)

I signed up using a referral code and my account appears to have been credited with 1000 points. So I think signup alone appears to be worth something. 1000 points are worth $1 in rewards.

• Amazon earns 20 points per dollar, worth 2 cents or a 2% rebate
  
• Target earns 10 points per dollar, worth 1 cent or a 1% rebate
  
• Uber earns 15 points per dollar, worth 1.5 cents or a 1.5% rebate
  
• Walmart earns 10 points per dollar, worth 1 cent or a 1% rebate
  
• Starbucks earns 15 points per dollar, worth 1.5 cents or a 1.5% rebate
  
• Seamless earns 20 points per dollar, worth 2 cents or a 2% rebate
  
• Whole Foods earns 10 points per dollar, worth 1 cent or a 1% rebate
  
• Walgreens earns 10 points per dollar, worth 1 cent or a 1% rebate

Doctor of Credit also reports that Trader Joes earns 1.5%; Safeway 1.1%; HEB 2%; McDonald’s 1%; Dunkin Donutes 1.7%; Chipotle 1.5%; 7 Eleven 1.9%; Shell 0.3%. You can only choose 5 merchants to earn with.

Earn with Uber and you’ll still receive points with Starwood Preferred Guest and your credit card rewards for the transaction. If you normally buy Starbucks gift cards at office supply stores for 5 points per dollar in rewards, of course, that’s an office supply store transaction and not a Starbucks transaction — that doesn’t earn with Drop.

They also have one-off offers like 2000 points with Amazon for your first purchase of $20 or more ($2). Other bonuses are currently 2000 points ($2) for adding a second bank login and 5000 points ($5) for referring 5 people plus a variety of other smaller items you’ll find under the ‘Discover’ tab and ‘unlock bonuses’ (once you earn a bonus you have to ‘claim’ the bonus there as well).

You can use your points for gift cards at more than 20 merchants like Starbucks, Amazon, Whole Foods, American Airlines, Hotels.com, iTunes and more.

The only thing that some folks will be uncomfortable with is providing the app with your bank login details, which they use to track eligible spend (they don’t pull details from the card itself the way Rewards Network and ThanksAgain do). However they use the same security as Mint.com and explain that they do not store your actual login credentials and do not have access to account balances, only transaction details.