I originally wasn't going to post about this since you're limited to $91, but maybe you guys will find it useful. There's a service called Clover Pay, and right now it's only available for Android phones and iPhones. You can find it in the App Store, but you can't sign up in the app because it's invite only. They're running a promotion where you get $5 for signing up, straight away, no catch. I withdrew it into an Amazon Gift Card right away, but I suggest you put it into your PayPal account so you can spend that on whatever. You get another dollar on your first withdraw also. So where does the the rest of the $85 come in? Well you can invite your friends to join Clover, and you both get $5. Why only $91? Unfortunately you only get 17 invites. It requires an invite code to sign up though, and I'm out of invites so don't even ask. Here's some screenshots of what it looks like when you invite people
I think the most difficult part about these types of programs is convincing ourselves to push/recommend it to friends or family. Most of the time I just wouldn't sleep well at night passing these types of offers forward; just my $0.02.