The app is nicer and the barrier to start very low. I started using it when I got rid of Ally. Youre right there are no perks to Google Wallet Card but the perks from Ally and other banks are not very useful for the use described above. Basically, they are putting a tiny amount of money aside and spending it all in the next 30 days.
I havent used the app but Simple sounds pretty good since you can set multiple "goals" (I think they should call them buckets or envelopes or something).