The Habit Guide
Signing up is the easy part. The real magic happens when buying a gift card before you shop becomes as automatic as grabbing your keys. These are the habits that turn occasional users into consistent earners for the animals.
The only extra cost is a tiny processing fee — just 29¢ per checkout when you pay from your bank account, whether you buy one card or ten. It’s just a small change in when you pay — buying the gift card right before you make the purchase you were going to make anyway. That 29¢ turns into $5, $12, or more for the animals every single time.
What Your Spending Actually Earns
Real numbers from brands you already use.
Home Depot run
$800 at Home Depot (4%)
A typical remodel materials trip
Monthly groceries at Kroger
$600 at Kroger (4%)
Do this 12 months and the animals earn $288/year
Back-to-school at Gap / Old Navy
$300 at Gap (14%)
Clothing brands have some of the highest rates
Family dinner at Chili’s
$60 at Chili’s (11%)
Even a $60 dinner sends $6.60 to the barn
Bath & Body Works haul
$100 at Bath & Body Works (12%)
29¢ processing → $12 for the animals
These are based on standard RaiseRight percentages. Some brands run bonus promotions that push rates even higher.
The 3-Minute Parking Lot Habit
You’re in the parking lot of the store. Before you get out of the car, open the RaiseRight app on your phone. Search for the store. Buy an eGift card for roughly what you plan to spend. By the time you unbuckle your seatbelt, it’s in your Wallet and ready to use at checkout.
Open the RaiseRight app
Search for the store you're at
Buy an eGift card (round up a bit if unsure)
Open your Wallet — the card is ready
At checkout, show the barcode or enter the code
The Sunday Night Prep
Once a week — Sunday evening works great — think about the week ahead. Where will you shop? Where will you eat? What bills are due? Pre-buy the gift cards now so they’re loaded in your Wallet and ready when you need them.
Grocery store for the week — $150 eGift card
Two tanks of gas — $80 Shell card
Wednesday dinner out — $50 restaurant card
Coffee habit — reload Starbucks card
The Big Purchase Playbook
Planning a vacation? Remodeling a bathroom? Buying back-to-school clothes? These are the purchases where the earnings really add up. Before you commit to a big spend, check RaiseRight first.
Big purchase checklist:
Search RaiseRight for the brand or retailer
Check the earnings percentage — some brands run bonus promotions
Buy the gift card(s) before you make the purchase
For online purchases, many brands let you stack RaiseRight gift cards with online earnings through the RaiseRight browser extension
Share the opportunity — if friends or family are also spending at that retailer, they can enroll too
The Reloadable Card Strategy
For the stores you visit every single week — grocery, gas, coffee — order a reloadable physical card. Keep it in your wallet right next to your credit cards. When the balance gets low, reload it from the app. You earn every time you reload, and the card never expires.
Over 125 brands offer reloadable cards, including Walmart, Target, Shell, Starbucks, Kroger, Lowe’s, Home Depot, and Amazon.
Watch: Enroll in Under 60 Seconds
The whole process takes about 60 seconds: download the RaiseRight app, enter our enrollment code, link a payment method, and buy your first eGift card. Krystal shows you each step so there are no surprises.