Best Money Making Apps to Make Extra Money

Need to make money fast? Read this list to find out which apps actually work (and pay the most).
Earn Passive Income with Real Estate

Get $10 Bonus When You Invest in Real Estate with $10+

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  • No wealth or income requirements
  • Get a diversified portfolio of real estate projects across the US
  • Low fees to maximize long-term returns
Get Paid to Take Surveys

$5 Signup Bonus

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  • Get free gift cards when you answer surveys
  • Get coupons and cash back offers from top stores
Make Money Delivering Food

Become a Driver

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Subject to background check and availability

Make Money Playing Games

$5 Signup Bonus

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  • Get paid to take surveys, play video games, watch videos
  • Cash out to PayPal or gift cards
Earn Cash Back for Shopping

$10 Welcome Bonus

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  • Get Cash Back from 3500+ stores all in one app
  • Join Rakuten for free and get a $10 Welcome Bonus. To qualify for $10 Welcome Bonus, you must be a new member and make minimum qualifying purchases totaling at least $25 within 90 days of becoming a member.
Earn Cash Back on Gas

Earn up to $0.25/gallon cash back

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Play Bingo and Earn Money
Blackout Bingo

Play Games for Fun and Earn Money

  • Make up to $50/game playing Bingo
  • Free to download and they’ve given out over $1.5+ million dollars in prizes so far
  • You can withdraw your winnings at any time
Find Out More

It never hurts to have a little more money in your pocket.

There are tons of apps out there that offer easy ways to make money. You can choose from fun ways to pass time, side hustles, or even part-time jobs—everything from driving or shopping for others to earning rewards or selling your own stuff.

No matter what your interests are, this list has got you covered. Discover 50+ apps that actually make you money down below.


Here are the best money-making apps of 2023

    1. Swagbucks for online surveys and $5 bonus


Best Apps That Pay You Real Money

Narrow down your search by considering your interests, spare time, and how quickly you’d like to get paid. Read on to find out the pros and cons of each app.

If you already know what kind of side hustle you like, check out one of the categories below to start earning (or saving) extra cash.


  • Survey Apps
  • Cash Back Apps
  • Game Apps
  • Investing Apps
  • Delivery Driver Apps
  • Automatic Savings Apps
  • Selling Apps
  • Get Paid to Lose Weight Apps


Most of us are on our phones during commercials. So why not use those minutes to make extra money with Swagbucks?

With Swagbucks, you can earn by watching videos, taking surveys, using their browser extension, and just for signing up ($5). For 15-30 minutes of using the app, you can make roughly $2.

Of all the survey apps out there, Swagbucks is easy to vouch for. It’s been around for 14 years and has paid out $405M to its members, and has a solid reputation for customer service.


  • Completely free to use
  • More ways to make money than other survey sites



  • Restrictions for earning sign up bonus
  • Points accrue slowly


Works on: iPhone, Android


$5 Signup Bonus

Click Here to Sign Up Now
  • Get free gift cards when you answer surveys
  • Get coupons and cash back offers from top stores


Which apps make the most money?
Cashback apps and investing apps can help you make money. Plus, learning how to invest the money you save will allow you to build real wealth over time.


Paper coupons get a smarter upgrade with Ibotta. With this app, you can rack up cash back rewards for shopping online and in-store.

Some people have even earned $1,000+ by using this app, so if you’re gonna try one – this is the one to try.

After you earn at least $20 in cash-back (which doesn’t take long), it’s sent directly to your bank account. There’s no confusing points system and it works with 1,000+ retailers. Active Ibotta users make as much as $100 per month.


  • Free to use



  • Have to manually add offers to your account
  • $20 needed to cash out[1] (some gift cards require $25)


Works on: iPhone, Android



Cash back apps can replace typical coupons and reward cards. Use them to accumulate points or money for both in-person and online purchases. 

Top Money Making Apps for Cash Back

  1. Rakuten
  2. Ibotta
  3. Dosh
  4. Capital One Price Protection
  5. ReceiptHog
  6. Trim


Acorns is perfect for investing newbies because it automatically rounds up purchases on your debit or credit card, then invests the spare change into a diverse portfolio.

They also offer insights on your saving and spending habits to get your financial health into shape. Read more about Acorns’ features in our full review.


  • No investment minimum
  • Cash-back and checking account programs



  • No tax benefits
  • Not worth it if you have a small balance


Works on: iPhone, Android


$10 Investment Bonus

Click Here to Get $10 Investment Bonus
  • Open an Acorns account (new users only)
  • Set up the Recurring Investments feature
  • Have your first investment be made successfully via the Recurring Investments feature

Find more investing opportunities further down, including small business bonds, real estate, and more.

When shopping starts to feel like a chore, download Shopkick to make trips to the store worth your while.

You can earn ‘kicks’ by scanning barcodes, walking into stores, and – yes – buying things.

250 ‘kicks’ equals $1.[2] And they add up fast. Just walking into a store gets you 50-100 kicks. Scanning a receipt can earn 250-700 kicks.

That turns into easy money that you can use to top off your gas tank or fund your coffee habit. You can also redeem them for gift cards from stores like Target, Amazon, Best Buy, Walmart, and Starbucks.


  • No fees
  • Option not to share your personal info



  • Must turn on phone’s GPS to get in-store ‘kicks’
  • Must upload receipts or link a card to get credits
  • No cash rewards, only gift cards


Works on: iPhone, Android


Shopkick: Earn Gift Cards In-Store and Online

Click Here to Learn More


Shopkick is almost like a scavenger hunt for cash – find more shopping apps that will make you money below.


Have you ever been told you have a “good eye” for photography? Try joining Foap to start cashing in on your high-quality smartphone photos.

After uploading your photos to the app, big companies like Bank of America or Getty Images can pay you for them (about $5 usually). Well-lit, nicely composed photos (think scenic stock images) will probably be your best bet.

You can make even more money if you join Foap Missions, where companies ask for a specific type of image. Foap Missions pay $100 – $500.


  • Easy and free to use
  • Potential for high payouts



  • Can take a while to sell a photo


Works on: iPhone, Android


What kind of phone do you use?


With the S’more app, you earn money simply by unlocking your phone – perfect if you’re looking for a more passive option.

The app displays ads and content on your lock screen, and each time you unlock your phone, you’ll earn points you can redeem for gift cards. (Most people unlock their phone almost 100 times per day.)

Overall, the earnings are modest: Roughly $5-$10 per month. Not too shabby for zero work!


  • Free to sign up and use
  • Get paid every day just by unlocking your phone
  • More ways to earn points ( play games, download apps, complete offers)
  • 25 point bonus for every referral



  • Earnings are low
  • Some privacy concerns about sharing your lock screen


Works on: Android


Before heading off for your next Target run (or CVS, or Kohl’s…), download the Field Agent app to earn money for simple in-store tasks, like taking photos of product displays.

With each completed task, your profile ‘score’ goes up and gives you access to higher-paying tasks. You’ll earn $3 – $15 for a single task. Not bad for an afternoon errand.


  • Earnings are fairly high
  • Receive cash within 1-2 days of requesting cash-out



  • Going to stores can be time consuming
  • Might not offer tasks in your area


Works on: iPhone, Android



Google Opinion Rewards is built by Google (so you can be sure of their credibility) and pays you to share your opinions on just about anything: food, TV shows, travel, and more.

Each survey pays between $0.10 and $1.00, which can add up if you’re consistent.

The surveys can be a great way to kill time while waiting in the checkout line or the doctor’s waiting room. Plus, surveys are sent to you automatically (no searching required).


  • Free to sign up
  • Can also redeem rewards via Google Play store



  • Survey credits expire after one year
  • Must complete survey within 24 hours of receiving a notification
  • Limited to surveys Google sends you


Works on: iPhone, Android

Instacart is a delivery app that lets you grocery shop for other people. Grocery delivery has blown up in the last couple years, so this app is a pretty safe bet for earning money.

A typical Instacart shopper earns between $25 and $30 for a single order.

“Full-service shoppers” are responsible for collecting and delivering an order. They’re paid weekly, earn tips, and have the freedom to work whenever they want.


  • Flexible hours
  • Alcohol delivery earns bigger tips



  • Wear & tear on your car
  • App defaults to low tips


Works on: iPhone, Android


Get Paid to Shop

Click Here to Sign Up Now

We all have extra clutter around the house. Instead of setting it aside for a Goodwill drop-off, sell off your unwanted items with relatively little effort through Decluttr.

They claim to pay up to 33% more than other resale apps – over $300 million so far. They pay out within 24 hours of receiving your stuff and they pay for shipping, too.


  • Offers a mobile app
  • Accepts a wide variety of items



  • Prices are typically lower than eBay
  • May reject some items



Sell Your Stuff

Click Here to Sell Your Stuff

Works on: iPhone, Android


Selling clutter for cash is a great way to kill two birds with one stone. These apps make it easy to list your items for free, and sell locally or nationally. 

Best Money Making Apps for Selling Stuff

  1. BookScouter
  2. Decluttr
  3. VarageSale
  4. Mercari
  5. OfferUp



Your old textbooks are taking up valuable space, so why not sell them for cash on BookScouter?

You can enter the ISBN number on their site and get an instant quote. And because they compare prices from 40+ resale sites, you can get top dollar.

When you’re matched with a buyer, they’ll even send you a free shipping label to send your book off.


  • Offers better prices than other sites
  • Offers a mobile app



  • Might not accept all books
  • Some older books sell at low prices


Works on: iPhone, Android


Serious about book-flipping?
If you have a lot of textbooks to sell, be sure to look into BookScouter’s Pro Subscription. You’ll get access to exclusive tools (like historical buyback price lookups) that help you sell even more books for more cash.



If you’ve ever had a really bad Lyft driver, you already know what not to do as a Lyft driver yourself.

Lyft offers competitive pay for drivers and special programs for those without a car, making it a safe, legit way to earn cash.

On average, Lyft drivers earn $15 – $20 per hour. A valid driver’s license, proof of insurance, and registration are all you need to get started.


  • Set your own schedule
  • Earn hourly rate + tips



  • Wear & tear on your car
  • Riders can rate you however they want


Works on: iPhone, Android


Would you rather deliver take-out than drive people around? This list of the best delivery driver apps is for you.


One of the downsides of cash-back apps is having to search for offers. With Rakuten, all coupon codes are applied automatically.

You’ll earn between 1% – 20% cash back in-store and online. Some brands even give you a flat cash reward (like $15) for shopping with them through Rakuten.

There’s no need to keep track of coupons or points. As long as you shop within Rakuten, you’ll automatically earn cash back, which is paid to you quarterly via PayPal or check.


  • $10 sign up bonus
  • A+ rating from Better Business Bureau
  • Earn $30 with the Refer-a-Friend program



  • Must wait for quarterly payment
  • Some deals are category specific, not storewide


Works on: iPhone, Android


$10 Welcome Bonus

Click Here to $10 Welcome Bonus
  • Get Cash Back from 3500+ stores all in one app
  • Join Rakuten for free and get a $10 Welcome Bonus. To qualify for $10 Welcome Bonus, you must be a new member and make minimum qualifying purchases totaling at least $25 within 90 days of becoming a member.


If you like to work with your hands or want to get outside a little more, be sure to check out TaskRabbit, a task-based gig app.

Create an account, advertise your services (anything from moving boxes to trimming hedges), and you’ll be connected with neighbors who want your help. Most Taskers make $32 – $35 per hour.


  • Set your own rates and keep 100% of tips
  • Great for skilled taskers, but good for everyday helpers too



  • Requires a background check & screening process
  • Earnings vary widely, depending on what you offer


Works on: iPhone, Android


This app helps you earn cash back on purchases you’ve already made. Here’s how it works:

Formerly Paribus, Capital One Shopping Price Protection connects to your email inbox, checks for online shopping receipts, and tells you if something you just bought was recently discounted. If so, they file a claim with the store to refund you the difference.

Capital One Shopping Price Protection even works with Amazon to get you a refund of shipping fees associated with your order if your package wasn’t delivered on time. The average user gets back $60 to $100 per year.


  • Earnings are passive
  • Works with 25+ major retailers



  • Must give Capital One Price Protection access to your email
  • Doesn’t work with some small retailers
  • Refunds are not guaranteed


Capital One Shopping

Don’t Overpay When You Shop Online

Click Here to Start Saving

Capital One Shopping compensates us when you get the Capital One Shopping extension using the links provided.


OfferUp is like a virtual garage sale, except without the pesky permits and signs. You can sell your stuff for local pickup, (perfect for large items like furniture) or ship it if you want to.

You can even sell damaged items for parts.

Selling on OfferUp is completely free, but you can choose to ‘bump up’ your listing for a fee. This places your listing towards the top to attract more potential buyers.


  • Free to sign up
  • Listing items is easy and quick



  • Some have had issues with dishonest buyers
  • Customer service could be better


Works on: iPhone, Android


What are the best money making apps that aren’t a scam?
Get paid real money – all from your phone. 


  1. Earn cash back with Dosh
  2. Get paid to walk with Evidation
  3. Slash prices with Capital One Shopping
  4. Score retroactive price drops with Earny
  5. Cut bills with Trim


Everyone’s getting in on stock-trading these days, and Stash is a great option for beginners looking to start growing their money.

Stash offers stock trading, ETFs, fractional shares, and more. While it’s not exactly a robo-advisor, Stash does provide guidance on how to invest and requires only a small amount to get started.


  • Automatically invest extra funds
  • Good for beginner investors



  • Fees are high for small balances


Works on: iPhone, Android


Sign Up and Get $5

Click Here to Sign Up and Get $5
  • Sign up, add at least $5 to your account and get a $5 bonus.
  • Invest with fractional shares
  • Get portfolio recommendations

Investing is a great way to grow your wealth. But if you want money now, the next app pays you to unload your old clothes.


With Poshmark, you can sell your unwanted clothes, handbags, shoes, jewelry, and accessories.

Just upload photos of your items, set your price, and wait for interested buyers to contact you. Regular Poshmark sellers say they earned $100 – $200 in their first months on the app.

To earn more, take advantage of the Posh Parties. These virtual “parties” focus on a specific theme (like plus-size clothing or summer accessories) and give sellers the chance to boost the visibility of their items.


  • Good for selling more than just clothes
  • Easy and quick to list your items



  • Fees cut into your profits if sale is less than $15[3]


Works on: iPhone, Android

Poshmark: $10 Sign Up Bonus

Sign up using your friend’s username as referral code. New accounts created with a referral must be associated with a unique identity in order to be eligible for credits.

Click Here to Get Deal


Want an easier, faster way to get rid of things you don’t want? VarageSale helps you sell items to people in your area.

Download the app, get approved by the community admins, set a price, and wait for interested buyers to contact you.

As with any resale site, you’ll have an easier time selling if your listing is well done. Add quality photos with good lighting and write a detailed description, including any damage.


  • Safe transactions with verified buyers
  • User-friendly design
  • Free to list items
  • No shipping required



  • You should still take the usual precautions when meeting buyers face-to-face


Works on: iPhone, Android


VarageSale is ideal for selling big items like furniture. Keep reading to learn which apps pay for your old game controllers, tablets, and textbooks.


Get a free stock just for signing up with Robinhood. The popular app offers commission-free stock trading, ETFs, options, and cryptocurrency (like Bitcoin). With no minimum investment, it may be a good option for new investors.

If you want to be able to hand-pick your investments, including options like cryptocurrency, Robinhood is worth a look.


  • Commission-free trades
  • No investment minimum



  • Limited research and tools
  • No mutual funds or bonds


Works on: iPhone, Android


Get a Free Stock (worth between $5 and $200)

Click Here to Get a Free Stock


Curious about the future of employment? Stick around to the end to see what experts say about gig work, the “happiest” jobs, and more.



Many people have a niche talent that they don’t use in their day-job. To take advantage of those talents, create a profile with Upwork and start advertising your services.

Be sure to collect positive references and show examples of your work on your profile. When setting your rates, just remember that Upwork takes a 20% fee of your earnings.


  • Set your own rate
  • Take on as much or as little work as you want



  • May be initially difficult to attract clients
  • Clients can negotiate your rates down


Works on: iPhone, Android


You probably know Uber for its ride-sharing request app. The popular app added food delivery in 2014 with Uber Eats.

Because Uber already has a huge number of users, Uber Eats quickly became a popular choice for online food ordering app. More customers = more potential earnings.

Uber’s algorithm to determine earnings is slightly less straightforward than other delivery apps, like Grubhub and DoorDash. Your earnings will depend on multiple factors and no longer be based on time and distance alone. With Upfront Fares, you can see how much you can make and your passenger’s pick-up and drop-off locations before accepting a ride.


See if you’re located in the 500+ cities in the U.S. where Uber Eats is available.



  • Consistent work available
  • Create your own schedule



  • Earnings can fluctuate
  • Wear & tear on your car


Works on: iPhone, Android

Uber Eats

Deliver with Uber Eats

Click Here to Sign Up to Deliver

DoorDash is a food delivery app that connects hungry customers with local restaurants. As a Dasher, you get to manage your own hours and deliver when and where you want.

Best of all, DoorDash is known for having the most customers, which means more cash for you. Dashers keep 100% of tips (but great customer service can help you earn more.)

Note: Actual earnings may differ and depend on factors like number of deliveries completed, time of day, location, and expenses. Hourly pay is calculated using average Dasher payouts while on a delivery (from the time you accept an order until the time you drop it off) over a 90 day period and includes compensation from peak pay, tips, and other incentives.


  • More customers than other delivery apps
  • Decide when and where you want to deliver



  • Not everyone tips
  • Driving causes wear and tear on your car


Works on: iPhone, Android


Become a Driver

Click Here to Start Delivering

Subject to background check and availability


Mercari is another selling app that’s blowing up these days. With over 50M downloads in the US, there’s already a huge base of potential buyers who search the app regularly.

List your item for free, add photos and a description, and wait for buyers to send you an offer. They even show you recent sales from other users to give you an idea of what kind of items people want to buy.


  • Free to list items
  • Payments process quickly



  • Risk of working with dishonest buyers
  • Customer service could be better


Works on: iPhone, Android


If you have a functional car, you have everything you need to earn a little extra money (no driving required.) Turo has been called the ‘Airbnb’ of car rental.

Simply rent out your car when you’re not using it. Set an hourly or per-day rate and interested renters will reach out to you. Turo says users can make roughly $400 to $500 per month.

Other sites like Getaround offer additional perks like a $50 credit for you to rent another car from the platform. Consider checking out HyreCar and TravelCar, as well.


  • Can set hourly or per-day rates
  • Turo provides additional insurance



  • Some risk in lending your car out


Works on: iPhone, Android


Getaround: Earn Money Sharing Your Car

Click Here to Get Deal
  • Make extra money
  • Set up your own schedule
  • Includes insurance and roadside assistance


Tip: If you rent out your car and aren’t able to meet your renter, you can simply set up a lockbox for them to pick up and later, return the keys for your car.


Survey Junkie is another huge name in the online survey game. Sign up and start taking surveys in your downtime, either from their site or mobile app.

Survey Junkie uses your profile info to find pre-vetted surveys that you qualify for. They’ll even award you points for surveys that disqualify you, meaning your time is better spent.

They award points that can be redeemed via PayPal or gift cards to major retailers. Most surveys pay $1 – $3 and take 5 – 20 minutes.


  • Adds new surveys daily
  • Little time commitment required



  • Some personal info required for sign-up
  • Survey pools fill quickly


Works on: iPhone, Android


Your Survey Junkie points will expire after 12 months of inactivity on your account.


Survey Junkie

Take Surveys. Get Paid

Click Here to Join Now
  • Take surveys and earn points
  • Redeem points for PayPal or e-Giftcards

Sign up on InboxDollars’ site or app and get paid to take surveys, watch videos, read emails, and other easy tasks.

They even give you $5 just for signing up. Surveys pay between $0.50 and $5 a piece and take about 10 minutes.

Another plus? They award plain cash. Most other sites use a points system, which makes it difficult to know how much you’re really earning.


  • Earn real cash (not points)
  • Legit company



  • Physical payouts (like a check) charge $3 fee
  • Must earn at least $30 to cash out


Works on: iPhone, Android


$5 Signup Bonus

Click Here to Get $5 Bonus
  • Get paid to take surveys, play video games, watch videos
  • Cash out to PayPal or gift cards


Companies want your feedback – and they’ll often pay for it. Earn by answering survey questions, playing games, or completing simple online tasks. 

Best Survey & Market Research Apps to Make Money


  1. Swagbucks
  2. Google Opinion Rewards
  3. Survey Junkie
  4. Pinecone Research
  5. Nielsen
  6. iPoll
  7. Surveys on the Go
  8. S’more
  9. Mobee
  10. Gigwalk


If you like to shop, you know how hard it can be to find the best prices. Some sites make it easy to shop smart and save.

Whether you’re shopping online or in-store, Capital One Shopping searches for coupon codes from major retailers to help you save extra money.

Capital One Shopping is 100% free to use and you can earn Shopping Credits that you can redeem for gift cards and use online (that’s essentially free money).


  • Find deals with little to no effort
  • Free to sign up and use



  • Will mostly show you deals from eBay


Works on: iPhone, Android, Google Chrome, Firefox, Safari

Capital One Shopping

Don’t Overpay When You Shop Online

Click Here to Start Saving

Capital One Shopping compensates us when you get the Capital One Shopping extension using the links provided.

The MyPoints app offers up to 40% back on your purchases through partners. Shop with retailers like Home Depot, Target, Amazon, and Macy’s and earn points for your purchases.

You redeem your points for gift cards or transfer the funds to your PayPal account.


  • Earn cash instantly
  • Redeem points for United Mileage Plus Miles and more



  • Limit on how many points you can earn per day
  • Gift card values differ for each store


Works on: iPhone, Android


Earn $10 Amazon Card with Your First Purchase

Click Here to Join MyPoints


Some pet-lovers would walk dogs for free (I’m one of them), but Rover sweetens the deal by paying you to take Fido around town.

Rover is a good choice if you’re responsible and have experience with a pet of your own.

Create an account on the Rover app, add qualifications and experience to your profile, then wait for pet-owners to request your services. Frequent Rover users can earn up to $500 per month.


  • Can also pet-sit for extended periods
  • On-demand walking feature can be buggy



  • May take a while to attract clients
  • You’re responsible if anything happens to the pet


Works on: iPhone, Android


Do you ever feel tricked into paying more for the things you need? Instead of letting big brands take all the profit, claim some for yourself with Drop.

Drop is like the best version of a cash-back app: Just link your most-used debit or credit card, then choose your top 5 favorite brands.

Every time you shop with those brands on your linked card, you’ll earn points. 1,000 points on Drop equals $1, so the earnings add up slowly. To maximize profits, be sure to refer friends to Drop.


  • Earn for purchases you already make
  • Free to sign up



  • Points may take a while to show up in account
  • Customer service could be better


Works on: iPhone, Android

Fundrise is an online investment platform that lets you passively invest in real estate projects with just $10. Investors earn money quarterly from rental income and when properties are sold.


  • Get paid quarterly dividends
  • Passive investing



  • $10 minimum to start[4]
  • Investment isn’t liquid


Works on: iPhone, Android


Get $10 Bonus When You Invest in Real Estate with $10+

Click Here to Get $10 Bonus
  • No wealth or income requirements
  • Get a diversified portfolio of real estate projects across the US
  • Low fees to maximize long-term returns

If you want a more long-term option,M1 Finance offers free automated investing with no commissions or account fees. With a $100 minimum investment, you can choose from individual stock trading, fractional shares, ETFs, and even retirement accounts.


  • Choose your own investments
  • No account fees



  • No human advisors
  • Not the best option for beginners


Works on: iPhone, Android

M1 Finance

M1 Investment Account – Up to $500 Bonus

Open a new M1 investment account. Deposit $10,000 or more into the account within 14 calendar days of account opening. Promotional credit will depend on the deposited value made into the account.


Deposited Value Promotional Credit
$10,000 – $29,999.99 $75
$30,000 – $49,999.99 $150
$50,000 – $99,999.99 $250
$100,000+ $500

This offer is only for customers who have never registered for an M1 user account.

Click Here to Get Deal
EXPIRES 12/31/2023

Do you have an opinion? If you do, you can actually get paid to share them. Find out how below.


Like to stay on top of new trends? Pinecone Research lets you make money by testing unreleased products.

The app only accepts new members a few times a year, but once you’re accepted, you receive only opportunities you qualify for. Completed surveys earn you $3 each.

Pinecone Research pays in cash, gift cards, sweepstakes entries, and merchandise.


  • Multiple ways to earn money
  • Free to join



  • Doesn’t accept new members often
  • Earnings build slowly


Pinecone Research

Become an Influencer

Click Here to Become an Influencer


MobileXpression is a market research app that pays you just for letting the app run in the background.

It observes your internet search and phone usage for market research. (And rest assured, they promise the app won’t slow down your phone.)

You get paid in gift cards to major retailers. The average MobileXpression user reports making $5 per week.


  • Earn $5 Amazon gift card after your first week
  • Free to sign up



  • Takes a lot of your phone’s battery
  • Customer service could be better



Start Earning Rewards

Click Here to Get Deal


Toluna is the easiest way to get paid for expressing your thoughts.

Provide feedback for major brands like Kellogg’s, Coca-Cola, Amazon, and more. You can also participate in daily lotteries for more rewards.

Then, redeem your earnings for gift cards, sweepstakes entries, and other rewards. Toluna surveys pay between $0.05 to $1 each. While the surveys are easy, it takes a while for earnings to add up.


  • Free to join
  • Automatic entries into prize drawings



  • Earnings can take a while to cash out
  • Must earn at least $30 to cash out


Toluna Influencers

Join Toluna Influencers

Click Here to Join Toluna Influencers


Webull is an app that offers commission-free stock trading, ETFs, and options trading for little (or no) fees.


  • Commission-free trading
  • Offers app and full-feature desktop platform
  • Offers fractional shares



  • Does not offer the in-depth analytics of larger brokers
  • No mutual funds or bonds
  • Not beginner-friendly


Works on: iPhone, Android


$75 Account Transfer Bonus

Click Here to Get Deal
  • Transfer a brokerage account over to Webull and get $75 deposited into the account. The incoming brokerage account must have at least $2,000 or more in assets to receive this bonus.
  • Transfer an IRA over to Webull and get $75 deposited into the account. The incoming IRA must have at least $5,00 or more in assets to receive this month.


Airbnb lets you rent out a house, apartment, or room to travelers. List your space on the Airbnb site for free, add quality photos, and set a fair price (be sure to consider nearby tourist spots that may attract more people).

Your success on Airbnb depends on how good of a host you are. Provide amenities like free coffee or toiletries, keep an open line of communication with your guests, and you could easily earn $50-$200 per night.


  • Airbnb verifies guests to ensure your safety
  • ‘Superhosts’ will earn even more



  • Host fees range from 14% to 20%
  • Guests can mistreat your space


Works on: iPhone, Android


You can earn more if your space is close to a tourist attraction or if you rent it out at the same time as a popular local event.


Forgot to cancel that ‘free trial’ months ago? Luckily, Trim can help you eliminate those sneaky charges.

The app connects to your bank account, identifies any subscriptions, and lets you cancel the service via text.

With their Bill Negotiation tool, Trim claims they can lower some bills by up to 30% (just be aware they take a small cut of your savings).


  • Free to sign up
  • Offers multiple services (catches fees, negotiates bills)



  • Takes a cut of your bill savings
  • Must share some personal info


Trim: Lower Your Internet, Cable and Phone Bills

Click Here to Sign Up for Free


Sweatcoin, a fitness app with a huge user base, lets you convert your steps into coins.

Most Sweatcoin users say they make 20 ‘coins’ in a day, which equals $1. You can spend the coins on merchandise from Sweatcoin’s partner brands in the Sweatcoin Marketplace.

Like many other money making apps, they also let you earn for watching videos and referring others to the app.


  • Add friends and family to your Sweatcoin
  • Earn bonus Sweatcoins by watching videos



  • Daily & monthly limit on how much you can earn
  • Prizes limited and typically fitness related


Works on: iPhone, Android


Sweatcoin uses your geolocation to confirm you are outside taking steps and not just shaking your phone.


Dosh revolutionized the ‘cashback’ process: just link your debit or credit card directly to the app’s ‘Dosh Wallet’.

Every time you shop with their partner retailers, you’ll automatically earn 5% – 10% cash back, making it one of the easiest money making apps on this list.


  • $10 for every referral who links a card[5]
  • Earn cash back on hotel stays (must book via Dosh app)



  • Some payouts take up to 90 days
  • Not all retailers participate


Works on: iPhone, Android


Get Cash Back

Click Here to Get Deal

The best thing about cashback apps? You can use multiple at a time. Stay tuned for more cash back options.


Earn money on iPoll by embarking on ‘Missions’: turn on your phone GPS, visit specific retailers, snap pics of products, and other easy tasks.

iPoll awards in simple cash (not points) and you can cash out at $25 via PayPal, gift cards, sweepstakes entries, and more.


  • Free to sign up
  • Multiple ways to earn cash, even passively



  • May take several weeks to receive payment
  • Customer service response can be slow


Works on: iPhone, Android


A great passive way to earn more with iPoll is by collecting Badges. Reach easy milestones (like 3 months of activity or 20 surveys in a month) and more cash will be added to your balance.



5miles promises to simplify the process of selling things online, which makes it a great option for the less patient among us.

This app may not offer all the bells and whistles of some other apps, but it works with pre-verified buyers within 5 miles of your location to ensure a safe and seamless transaction.

Their ‘Community’ feature gives you the ability to post about pet adoptions, yard sales, and even advertise helpful services to your neighbors.


  • Free to sign up
  • Buyers and sellers are vetted for trustworthiness



  • Only useful for local transactions
  • Desktop version isn’t as good


Works on: iPhone, Android


Trips to the gas station giving you sticker shock? Luckily, Upside can help you earn cash back from Exxon, Chevron, Valero, and other gas stations.

With location tracking, Upside shows you nearby gas stations (and other businesses) that offer cash back deals.

You can earn 25 cents per gallon on gas, up to 35% cash back at restaurants and 15% back on groceries.


  • $1 minimum to cash out
  • App displays local prices and cash back offerings



  • Must pay with credit or debit card to work
  • Not available everywhere in the U.S.



Earn up to $0.25/gallon cash back

Click Here to Save on Gas

45. CHECKOUT 51 – $5 BONUS

Checkout 51 works like a retroactive coupon. If you buy a product and can prove it, you earn cashback.

The app is simple to use and is a great way to save money when you don’t have time to search for deals ahead of time.

They’ll give you a flat reward (between $0.50 and $4) instead of a percentage of your purchase.


  • Offers change weekly
  • Shop in-store or online, even with coupons
  • Get paid via mailed check once you hit $20



  • Offers available for one week only
  • Only one use per offer


Works on: iPhone, Android


Mistplay calls itself the ‘loyalty program for mobile gamers.’

Download the app, create an account, and browse Mistplay’s selection of eligible games.

Play a game for a specific amount of time and rack up ‘units’. The units can be redeemed for gift cards from Amazon, Google Play and more. Users say they make between $0.50 to $1 an hour.


  • Free to sign up
  • User-friendly app
  • Perfect for people who love mobile gaming



  • May take a while to earn a good amount



Download Mistplay

Click Here to Download Mistplay


Getting healthy is already a reward, but if you’re looking to sweeten the deal, HealthyWage will pay you to meet your fitness goals.

Set a weight goal, place a bet, and use HealthyWage’s calculator to see what your potential prize money will be.

Once you meet your weight goal, the prize money is yours. The average prize amount for people who hit their goal is a whopping $1,300.


  • Reward is twofold: get healthy + earn money
  • Not a long-term solution



  • Bet is required upfront
  • You must stay motivated to not lose your money



Prizes for Weight Loss

Click Here to Calculate Prize


Get fit as a team: HealthyWage’s Team Challenge lets you form a team to maximize your potential prize. If everyone on the team reaches their goal, you can earn up to $2,000.



Become a Gigwalker and earn extra money for simple tasks like visiting stores, taking photos, and shopping.

Gigwalk pays you in plain cash for each ‘gig’ you complete, and the earnings are high compared to other similar apps. You’ll earn anywhere from $3 to $100 for each task.

Even if you’re not planning a trip to the store, you can use Gigwalker as an incentive to take walks around town and earn money in the process.


  • Free to sign up
  • High earnings per ‘gig’



  • Task approval time can be long
  • Some areas have fewer gigs available


Works on: iPhone, Android


When something you just bought goes on sale, you’ll be glad you have the Earny app on your phone.

Earny searches for items you bought that have been marked down, files a claim with the retailer and refunds you the difference. They also offer 20% cash back if you activate Earny while shopping online.


  • Also offers a browser extension for Chrome
  • Works with 5,000+ retailers



  • Not free, $4.99/month
  • Must grant access to your email


Works on: iPhone, Android


Make money with Mobee’s ‘mystery shopper assignments,’ like buying a cup of coffee or trying a new product. After you complete an assignment, answer a few questions about your experience.

Points are then added to your balance, which you can redeem for gift cards.


  • Free to sign up
  • You can complete as many task as you want



  • Missions are less in rural area
  • Limited earning opportunities
  • Risk of working for free if your missions was rejected
  • Points expire after six months of not using the app


Works on: iPhone, Android




These apps may not be as popular as the ones above, but they are worth trying out if you’re looking to seriously stack your earnings.

  • Receipt Hog
    Here’s a great reason to stop tossing your receipts: Receipt Hog will pay you to scan them with their iOS or Android app. 

    Each receipt earns ‘coins’, depending on how much the purchase was. (For example, $100+ would earn you 20 coins.)[6]

    Once you’ve earned 1000 coins, you can cash out for $5,[7] but it’s best to save up for more.


  • Worthy Bonds
    Looking for a short-term investment with high returns? Worthy Bonds lets you invest in bonds that help fund small businesses. 

    Your investment yields a 5% interest rate, which higher than most high-yield savings accounts.

    Worthy Bonds is free to use, all you need is a $10 upfront investment. The bond matures in 3 years, but you can withdraw at any time with no penalties.


  • Blooom
    Unlike most robo-advisors on the market, Blooom manages only retirement accounts. Get recommendations on how to diversify your IRA, 401k, 403b, and other retirement accounts to earn more in the long run. 



  • Surveys on the Go
    Here’s a great way to spend your time waiting at the DMV: The Surveys on the Go app pays you for watching videos, writing product reviews, testing products, and of course – taking surveys. 

    You can cash out with PayPal, Visa gift cards, Amazon gift cards, and more. Even better – they process payments instantly.


  • Snapwire
    The best way to earn with photography apps is to use multiple at a time, so be sure to check out Snapwire 

    Brands and companies use Snapwire to request specific photos for ad campaigns and more. If they choose your photo, you’ll get paid in cash. You can also list your photo in the Marketplace for anyone to buy.


  • Evidation
    With Evidation, you can earn rewards for fitness activities like walking, meditating, answering questions about your health, and keeping a food log. 

    The app syncs with other fitness apps you already use. Rack up points with each activity, and cash out for $10 once you have 10,000 points.[8]


  • Lympo
    It really does pay to be healthy: Lympo pays you for keeping up daily wellness habits. 

    Just download the app on the Google Play or App Store, enter your email address to create an account, and start tracking your health and wellness habits.

    Lympo incentivizes you to keep track so you’ll earn more as you go. It’s completely free to use, but you’ll earn only prizes (no cash).


  • Seated
    The Seated app gives you rewards for dining out. Just dine with the app’s partner restaurants, and then upload a photo of your receipt after you have dined there. You can get up to 30% back. 

    Redeem your points for gift cards to Amazon, Uber, Airbnb, Delta, Nordstrom, and more.


    Seated is currently available in New York City, Boston, Chicago, Atlanta, Philadelphia, and Dallas, though they plan to expand to additional cities soon.[9]



  • Honeygain
    Get this: Honeygain is an app that pays you to share your internet connection with trusted data scientists. 

    You’ll instantly earn $5 just for signing up, plus $1 for every 10GB shared. If you agree to keep your internet access open for a whole month, you’ll get $50.


  • StepBet
    StepBet’s goal is to get you to live healthier, but they make it way more fun than just counting steps. Opt into “games” like taking the stairs over the elevator or taking a walk with a friend. 

    Just place a bet on your fitness goals, and cash out from a community pot when you hit it.


  • Money App
    The Money App may look like any other rewards app, but its track record speaks for itself: a 4.9/5 App Store rating and nearly 120K reviews. 

    Sign up and earn for completing easy tasks like sharing opinions, playing games, going into stores, and more. You won’t make hundreds of dollars on the Money App, but it’s a great way to make a couple bucks when you’re bored.


  • Nielsen
    No joke, Nielsen, the company that measures TV ratings, will pay you to use your internet. 

    It’s completely free to join. You can register all your internet-connected devices to the Nielsen app, and earn rewards for letting Nielsen track your internet usage. (Don’t worry – your info is protected.)

    Nielsen Computer and Mobile Panel

    Get Rewarded for Using Your Devices

    Sign up your computers, smartphones and tablets to earn:

    • Up to $60 in points for gift cards
    • Monthly $10,000 sweepstakes entries
    • Instant win game tokens
    Click Here to Join Now


  • Fluz
    Lots of apps give cash back, but few (if any) do it like Fluz. 

    In addition to earning money back on your own purchases, you earn when your friends join and shop on the app. If those friends invite other friends, you earn from their purchases too.

    The more friends you get to join, the better rewards you’ll earn.


  • OnMyWay
    Ironically, the OnMyWay app rewards you for not using your phone. Why? It encourages safe driving and pays you for it. 

    If your phone stays locked while you drive, OnMyWay will reward you with points once the drive is over, which you can redeem for cash and gift cards. You get $100 just for signing up and even passengers can earn rewards.


  • Native
    Native pays users to work as ‘data collectors’. The data collection you do may involve going into stores, observing prices, or asking people about which products they use. 

    You get paid depending on how many tasks you complete, and the payout process is quick—usually 1-3 days. Currently, the Native app is only available on Android devices.


  • Neighbor
    With the Neighbor app, you can rent out any unused storage space you might have: think closets, attics, and even driveways. 

    You can list your space at Neighbor’s suggested price or set your own. Your payment is then deposited into your account each month. (That’s basically passive income.) Better yet, Neighbor protects its storage hosts with $1M in personal liability.[10]



Before choosing a money making app, it’s important to have a goal in mind.


  • Are you looking to gradually save up for a big purchase?
    (Try an investment app) 


  • Are you hoping for a quick, one-time boost of cash?
    (Try a selling app) 


  • Or maybe you just want a modest supplement to your income?
    (Try cash-back apps or gig-work apps)


To give you an idea of which apps would fit your schedule and needs, here’s a helpful diagram:




After you know what you’re aiming for, try to have realistic expectations about what you’ll earn.

You’re probably not going to strike it rich with any of these apps. But you could make a pretty penny if you’re diligent and introduce multiple apps into your rotation.


As part of our series on gig work and employment, CreditDonkey asked a panel of industry experts to answer some of our readers’ most pressing questions. Here’s what they said:

Why are so many full-time workers looking for a side hustle?

Erica Groshen
Senior Economics Advisor at Cornell University School of Industrial and Labor Relations

Side hustles are often a way to make ends meet during a time of unusual expenses or declines in income. Side hustles can also be a way to … (Continue reading)

What will the future of work look like?

Ashley Stahl
Career Coach and host of You Turn Podcast

One thing is certain: remote work is here to stay. When you consider that big tech companies such as Facebook and Twitter have already informed … (Continue reading)

How is the gig economy changing the workforce?

John Budd, PhD

John Budd, PhD
Professor of Work and Organizations at University of Minnesota’s Carlson School of Management

Work is complicated so work-related phenomena rarely have singular effects. This is true for gig work. For some, gig work allows for desired … (Continue reading)

What is the best way to invest a windfall of $50?

Karyl Leggio, Ph.D

Karyl Leggio, Ph.D
Professor of Finance at Loyola University Maryland

If I had $50 to invest, I would most definitely invest it in the stock market. While I would not put all of my money into one stock, I would buy … (Continue reading)

How do you find your purpose and do what you love?

Terry Sidford
ACC, Speaker, Coach and Author

What is a purposeful life? Many people will answer this differently. What I would like you to consider is living a life that you design with your … (Continue reading)

Could gig work put an end to traditional employment?

Ryan Vet
Entrepreneur, Speaker and Author

The gig-economy has been on the rise. With nearly fifty percent of Millennials working gigs, that number is only increasing. While unemployment … (Continue reading)

Is it better to save money in a bank account or invest during a recession?

Pamela Peterson Drake, PhD, CFA

Pamela Peterson Drake, PhD, CFA
Chandler/Universal Eminent Professor of Finance at James Madison University

In a recession it is generally best to stay the course and not make drastic changes (though it is tempting when stock prices fall). The benefit … (Continue reading)

How is the gig economy changing the workforce?

Matthew Bidwell, Ph.D.
Associate Professor of Management, Wharton School, University of Pennsylvania

I don’t think that we know a lot about how all of these side-hustles are changing the way that people relate to work. My sense is that the large … (Continue reading)


Rebecca Fraser-Thill
Psychology Instructor at Bates College and Career Coach at Fraser-Thill Coaching & Consulting

The gig economy is certainly changing the workforce intensely. In ten years there was a shift from 1 in 10 workers having jobs in the gig economy … (Continue reading)

What jobs are the happiest?

Julie Cohen
PCC, Executive Coach and CEO of Work. Life. Leader.

It’s not a specific job that makes people happy. People can be happy in any job when they get what they want from their work. (Continue reading)


Emergency Funds
Experts also recommend having 3-6 months of living expenses saved in the event of an emergency, such as a lost job or hospital bills. 

For a stable emergency fund, follow these steps:

  1. Set a monthly saving target
  2. Transfer remaining money after bills
  3. Save your tax refund
  4. Increase contributions when possible
  5. Look for supplemental income to bulk up your fund



Sometimes your job just doesn’t pay enough to cover all the bills. Luckily, making money with your smartphone has never been easier. And you can do it while watching Netflix or waiting at the grocery checkout line.

Think about your lifestyle. Are you more likely to…

  • Dip your toe into investing?
  • Grab a side hustle?
  • “Marie Kondo” your home?


No matter which suits you best, you can earn points, rewards, and straight up cash by shopping online, taking surveys, and more.

Keep in mind, you probably can’t quit your day job with these money making apps. But every little bit counts. And these are surprisingly simple ways to earn extra cash in your free time.


  1. Ibotta. What are the different ways to withdraw my earnings?, Retrieved 5/27/2022
  2. Shopkick. What are kicks worth?, Retrieved 5/27/2022
  3. Poshmark. Seller Fee Policy, Retrieved 5/27/2022
  4. Fundrise. What is the minimum initial investment?, Retrieved 5/27/2022
  5. Dosh. How do Dosh referrals work?, Retrieved 5/27/2022
  6. Receipt Hog. How much are Coin-Receipts worth?, Retrieved 5/27/2022
  7. Receipt Hog. How many coins do I need to redeem them for cash or gift cards?, Retrieved 5/27/2022
  8. Evidation. How to redeem your reward, Retrieved 5/27/2022
  9. Seated. FAQs: What cities is Seated available in?, Retrieved 5/27/2022
  10. Neighbor. Neighbor’s Host Guarantee, Retrieved 5/27/2022

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