Earn

What Earn does

Earn (operating as Earn and Trade LLC) is a consumer rewards platform founded in 2020 in Los Angeles. The product enables individual users to accumulate points by completing surveys, signing up for free trials, interacting with brands, and shopping through a cashback program covering 1,000+ online retailers. Points are redeemed either as gift cards or transferred directly to a PayPal account, and the platform is accessible via a web client at earn.llc and an iOS mobile application. The business model is purely affiliate/referral-based: Earn receives commissions from retail and brand partners when users complete qualifying activities, and that commission funds the rewards paid out to users. The user-side experience is free and requires a mandatory phone-verified account using SMS two-factor authentication, which doubles as a fraud-control mechanism for offer-completion abuse.

The platform is positioned as a long-tail, horizontal consumer app rather than an enterprise product, with a single primary persona: individual consumers seeking passive rewards from everyday online activity. Distribution relies on the Apple App Store, organic/branded search, and an in-product "Refer a Friend" loop — a textbook product-led growth motion. There is no Android client, no disclosed API, no third-party integrations, no published SDK, no disclosed management team, no disclosed funding, and no disclosed enterprise customer base. Legally, Earn and Trade LLC is a privately held LLC domiciled in the United States.

Strategically, the company is operating at sub-10 headcount with no public capital raises on record. Its competitive set — Rakuten, Ibotta, Swagbucks, MyPoints, and similar — is dominated by well-capitalized incumbents. Earn's surface differentiation is its "brand-aligned" UI and the verb-naming convention, but its underlying economics are commodity affiliate revenue with commodity offer-wall inventory. There is no disclosed moat beyond a modest point-balance lock-in and an aggregate 1,000+ retailer catalog that is readily reproduced via standard affiliate networks.

Name

Earn

Legal name

Earn and Trade LLC

Website

https://earn.llc

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Earn (Earn and Trade LLC) is a consumer rewards app where individuals earn points by completing surveys, free trials, and brand interactions plus cashback shopping at 1,000+ retailers, redeemable as gift cards or PayPal cash.

Ownership category

akta.pro rank

Product category

Consumer Rewards and Cashback Platform

akta.pro primary industry

Loyalty, Rewards & Incentive Programs (BPAFAMAE)

Keywords

• Consumer rewards platform
• Cashback shopping app
• Gift card rewards
• Affiliate offer rewards
• Online survey rewards

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure

Revenue model

1. Affiliate/Referral Revenue: Earn generates revenue through affiliate partnerships with retailers and brands. When users make purchases or complete brand interactions through the platform, Earn receives a commission which funds the rewards distributed to users.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Earn is a consumer rewards platform where individual users accumulate points by completing free trials, surveys, and brand interactions, and by shopping online through a cashback portal integrated with 1,000+ retailers. Accumulated points can be redeemed for gift cards or transferred as cash directly to a user's PayPal account. The platform is free to join and is accessible via web and an iOS mobile app.

Product overview

Earn is a consumer rewards and loyalty platform that enables users to earn points through multiple channels — completing surveys, signing up for free trials, engaging with brand interactions, and shopping with cashback from 1,000+ retailers. Points can be redeemed for gift cards or converted to PayPal cash. The platform is accessible via web and iOS mobile app.

Differentiator

Problem solved

Functional benefit

Products and services

• Earn Points A rewards feature enabling individual users to earn points by completing free trials, surveys, and brand interactions within the Earn platform. Points are redeemable for gift cards or PayPal cash.
• Shop & Save A cashback program offering individual consumers rewards on online purchases made through Earn's integrations with over 1,000 popular retailers.
• Gift Cards A redemption service that lets individual users exchange earned points for gift cards or cash transferred directly to their PayPal account.
• Earn Mobile App An iOS mobile application that enables individual consumers to earn points, complete offers, shop with cashback, and redeem rewards from their phone.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Direct peers

• Upside: Cashback platform focused on everyday spending across gas, grocery and restaurants, paying users back via PayPal/gift cards. Comparable audience (consumer rewards-seekers) and cashback distribution model.
• Swagbucks: Rewards platform that pays users (in gift cards or PayPal cash) for surveys, offers, shopping and free trials — extremely close functional analogue to Earn's survey/offer/free trial and gift card / PayPal redemption features.
• Fetch Rewards: Receipt-scanning rewards app that converts shopping activity into gift cards and other rewards, serving the same value-conscious consumer segment and using a points-to-gift-card model analogous to Earn's.
• Honey (PayPal): Browser-based coupon and cashback extension owned by PayPal that surfaces rewards at online checkout. Highly comparable to Earn given overlapping model (affiliate-funded consumer rewards) and PayPal-backed cash redemption flowing into the same PayPal rails Earn uses.
• InboxDollars / InboxPounds: Rewards platform paying users cash or gift cards for surveys, offers and shopping activities. Directly comparable in product (free offers/trials/surveys), audience and PayPal/gift card redemption option.
• Rakuten: One of the largest global cashback rewards platforms, offering users cash back on online purchases across thousands of retailers — directly comparable to Earn's Shop & Save / cashback product on both dimensions of audience (consumers) and mechanics (affiliate-funded cashback).
• Shopkick: Mobile rewards app paying users for in-store visits, scans and online shopping — directly comparable on consumer mobile rewards distribution and brand-sponsored offer mechanics.
• Capital One Shopping: Free browser/app-based tool offering coupons, price comparison and cashback rewards across many retailers — directly comparable in target audience (cost-conscious online shoppers) and affiliate-driven monetization model.
• Ibotta: Cashback rewards app covering both online and in-store grocery/retail purchases with mobile-first UX. Comparable on consumer cashback audience, mobile distribution and gift card / payout redemption mechanics.

Broad incumbents

• Microsoft Rewards: Large incumbent points-for-activities program run by Microsoft, rewarding users for searches, quizzes and shopping — overlapping with Earn in points-for-activities mechanics and broad consumer audience, though backed by a hyperscaler.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/EarnandTrade
• LinkedInlinkedin.com/company/earn

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Earn