Compare · 2026
The best free chore & reward apps with no debit card
Most popular kids’ chore apps are paid services built around a real-money debit card. Pointsy is the free, points-based option: kids earn points for chores and redeem them for rewards you set — with no card, no bank account, and no app-store download. Here’s how it compares.
At a glance
| Feature | Pointsy | Greenlight | Acorns Early | BusyKid | FamZoo |
|---|---|---|---|---|---|
| Monthly price | Free | From $5.99 | From $8 | ~$4 (billed yearly) | $5.99 ($4.99 prepaid) |
| Free tier | Yes — everything | None | 30-day trial | 30-day trial | Trial only |
| What kids earn | Points & rewards you set | Real money on a card | Real money on a card | Real money + investing | Real money (or IOU tracking) |
| Debit card | None | Yes (Mastercard) | Yes (Mastercard) | Yes (Visa prepaid) | Yes (prepaid) |
| Minimum age | Any age | Kids & teens | 6+ | 5+ | All ages |
| How you get it | Any browser · add to home screen | App Store / Google Play | App Store / Google Play | App Store / Google Play | App Store / Google Play |
Pricing and features per each provider’s site, 2026. GoHenry’s US service became Acorns Early in late 2025. Figures change — check each provider for current pricing.
Side-by-side comparisons
- Pointsy vs Greenlight & Acorns EarlyGreenlight (from $5.99/mo) and Acorns Early (from $8/mo) are paid debit-card apps that teach kids about real money. Pointsy is free and uses points instead — best if you just want a chore-and-reward system without a card, a bank account, or a subscription.Read the comparison
- Pointsy vs BusyKidBusyKid (~$4/mo billed yearly) is a real-money app with a Visa card and kid investing. Pointsy is free and points-only — best if you want the chores-and-rewards routine without a card, investing, or a subscription.Read the comparison
- Pointsy vs FamZooFamZoo is a paid family-finance app ($5.99/mo) — even its no-card 'IOU' mode costs the same. Pointsy does the virtual points-and-rewards part for free, with nothing to fund and no subscription.Read the comparison
Frequently asked
What's the best free chore app with no debit card?
Pointsy is a free, points-based chore and reward app with no debit card, no bank account and no subscription. Kids earn points for chores and redeem them for rewards you set. Most alternatives (Greenlight, Acorns Early, BusyKid, FamZoo) are paid apps built around a real-money card.
Why use points instead of real money?
Points work at any age, need no bank account or ID, and can be redeemed for anything you choose — screen time, outings, privileges, or items. There's nothing to fund and nothing for a child to spend by accident.
Is Pointsy really free?
Yes — every feature, for every family, with no ads and no subscription. Pointsy is open-source (MIT), which is also why it stays free.
Start free — no card, no app store
Set up your family in a few minutes and turn chores into points kids redeem for the rewards you choose.
Create your family — it’s free