Money-making apps will change the way you use your phone!
Let’s face it: You already live inside your cell phone. In fact, according to one tech company’s study, the average American checks their phone 80 times per day.
That breaks down five times per hour, or once every 12 minutes… and an untold amount of attention and psychic energy, all aimed toward that tiny, glowing screen.
If you’re going to give so much of yourself to your smartphone, it darn well better give you something in return- and we’re not talking about an endless Instagram feed to scroll through or an annoying rash of pinging notifications.
We’re talking about money-making apps that pay you real money and give you gift cards for games, surveys, shopping, and more!
This list of money-making apps is sure to make your time spent on your phone MUCH more valuable!
Money-Making Apps Quick Picks
Looking for a quick rundown of our favorite apps for getting cash back and more?
Here are our top picks overall for making money:
- Best Side Hustle App – Swagbucks
- Best Survey App – Survey Junkie
- Best Cash Back App – KashKick
- Best App For Selling Stuff – Decluttr
- Best Investment App For Beginners – Fundrise
Best Money-Making Apps- Survey Edition!
Survey companies pay out easily and they’re our top picks for money-making apps! You can download them on any device with Google Play Store, and make more money today.
These companies dish out valuable cash rewards to users who fill out polls and surveys (which help brands tweak their products, update their marketing strategies, and more).
Don’t get us wrong: Filling out paid surveys from these free apps isn’t going to make anyone a millionaire overnight. You can usually churn out a few dollars per day with these programs and money-making apps.
But hey, a few dollars is a few dollars that can go towards bills, your next vacation, or even some extra coffee and self-care to get through the week!
Using survey apps that pay you money is a mindless activity that you can easily do in front of the TV. And in a few months’ time, you’ll earn extra money or a free gift card you can actually do stuff with!
Swagbucks will pay you to take surveys, watch videos, play games, and even get coupons and cash back when shopping online.
Swagbucks offers good payouts at $0.50 – $2 per survey or game in about 15 – 20 minutes, which is cool to make money without doing much work.
If you’re wondering whether survey apps are legit, check out this figure: Swagbucks has paid out almost $300,000,000 in rewards to date.
That’s freaking bananas, and you can download the app free, with no credit card info needed!
Swagbucks offers gift cards like Amazon, Target, Walmart, and even through your PayPal account.
2. Survey Junkie
Survey Junkie is the most popular spot online to earn cash, gift cards, and rewards for sharing your thoughts and one of the firsts we took for a spin ourselves.
Over 5,000,000 users are on Survey Junkie, and they offer plenty of surveys for you to answer and get paid!
Survey Junkie doesn’t offer other ways to earn money besides surveys, but since that’s all they’re about, they offer more surveys that you can qualify for.
The interface is really easy, too- you’ll see how long a survey will take and how much you’ll earn for it.
Read our Survey Junkie Review to find out more about earning money from surveys.
Aside from its quick and simple surveys, InboxDollars also offers rewards and gift cards for watching videos and playing games.
We like InboxDollars because of the variety of simple tasks and activities you can get paid for and the great ways you get paid!
You can earn points to redeem for PayPal cash, prepaid debit cards, and gift cards from Apple, Target, eBay, Amazon, and so many more.
This money-making app is available for both macOS and Android, and you can learn all the ins and outs from our InboxDollars review.
4. Opinion Outpost
Opinion Outpost offers cash rewards via PayPal, Amazon, or Visa gift cards, which you can use on yourself or whatever you need!
Free money doesn’t go to waste around here, and we think you should wrack in the benefits too.
The surveys are quick and easy, and if you’re going to be quizzed on stuff, you may as well make money for it!
5. Pinecone Research
Earn rewards by filling out surveys for Pinecone Research can either be redeemed for cash or used to purchase merchandise out of its extensive online rewards store.
The company also offers an annual sweepstakes, which gives you a chance at additional prizes.
Toluna is another survey site where you can earn $1 – $5 per survey, with easy payouts from PayPal or in sweet gift cards.
But you need to know your points can expire on Toluna, so be sure to stay active and cash out whenever you can- you don’t want to waste the extra money you’ve earned!
7. Google Opinion Rewards
Google Opinion Rewards is another way to take surveys and make money fast.
You’ll answer questions about products or places you’ve visited- surveys can really be about anything!
You can either accept payment through the Google Play Store or PayPal deposits once you have $2 in your rewards account.
Google Opinion Rewards will notify you when new surveys are up for you to take, and you can set up to get PayPal transfers when you hit the minimum.
8. MyPoints Surveys
MyPoints is a rewards website that gives you points for simply giving your opinion.
Similar to all these others, they’re mostly questions for market research, and you can quickly make $2 an hour in your downtime.
Plus, this is Britanny’s favorite way to earn free gift cards to Starbucks, Amazon, iTunes, and more! I like that we can bulk up our cash via PayPal payouts.
You can then exchange those points for cash or prizes!
9. American Consumer Opinion
American Consumer Opinion has over 6 million members worldwide who get paid to participate in surveys and research projects.
You will never have to pay any money to be a member. Your participation time in the surveys is the only “cost” of membership.
Incentives range in value from 100 to 5,000 Points per survey or research project, depending upon the time it takes, and 1 point equals a penny.
You can’t get gift cards through American Consumer Opinion, but you can cash out into your PayPal account with as little as $10 on your account!
Cash Back Apps and Shopping Apps
These are some more of the best money-making apps that get you money back on your spending habits! Plus it’s another way to snag a gift card, which we love.
Now, many people use their reward credit cards to get cash back- but you don’t need credit cards to get those perks!
These other apps help make it possible to save money and earn rewards!
From groceries to getaways, we all have to spend money- both to survive and to enjoy life, you might as well earn back a percentage of every dollar you spend if you can in cash back.
Not only can you get the app from Google Play, but you can get browser extensions for when you shop online!
Things are getting expensive as we get older, and one of the most frustrating costs in our house is filling our gas tank!
Gas got very cheap during the pandemic, but shot up in cost once everyone started going back to work.
We wanted to find ways to save on gas, without having to skip trips to the beach or visiting family out of town.
We found GetUpside, which can have cash back on gas as well as discounts so that you fill up for less.
Want to learn about their other cash back offers? Check out our GetUpside Review!
11. Fetch Rewards
Fetch Rewards has made earning free money and cash back even easier with their user-friendly app
You earn rewards for shopping- once you hit 5,000 points, you can cash out for a $5 gift card from Amazon, Target, Starbucks, and more.
You log in and look for offers for saving and earning rewards- once you shop, you just scan your receipts and add to your points.
Read our in-depth Fetch Rewards Review to see how you can start saving today.
Honey is a cashback and coupon site that can save you money and get money back in your pocket when you shop online.
You can use the Honey extension to automatically find deals and coupons for your online shopping.
When I go to checkout, my little Honey friend pops up right away to let me know I’ve got coupons to try!
When there are no coupons available, it’ll pop up and let me know if I can get cash back on my purchase instead.
Read our Honey Review to learn more about how you can save and get cash back from Honey.
13. Capital One Shopping
Capital One Shopping is another great browser extension that can automatically find you deals, but you can also search right on the website for the best sales on all your favorite and must-have items.
It also has the Price Protection Program to save you even more money!
Have you ever bought something only to find out it’s on sale the next day?
Well, Capital One will automatically apply for a refund for the difference so you don’t miss out on that sale price, even if you were a day early.
Check out our full review of Capital One Shopping to find out more.
If you’re shopping online at brand-name and department stores like Old Navy, Kohl’s, or Macy’s, you can earn back a sizable chunk in cash back or coupons from your purchase just by clicking through Rakuten first.
The site also offers a rotating selection of special daily deals, as well as a valuable $25 refer-a-friend program.
Ibotta offers straightforward, cash-back rebates on everything from fresh produce to name-brand and store-brand options.
Just browse the app for available offers, then snap a quick photo of your receipt to get some cash back.
As soon as I get home from the grocery store, I upload my receipt to get cash back immediately so I don’t forget or lose the receipt.
Other Apps That Help You Sell Stuff
They say that one man’s trash is another man’s treasure.
But as it turns out, it can be your treasure, too! You can sell that stuff and get money into your bank account quick.
Rather than earn points for a gift card or get money back on your purchases, you can earn money by saying goodbye to thinks you don’t need anymore.
These apps will help you clean out your closet or rent out your spare bedroom, all while fattening your bank account.
Got an outdated CD or DVD collection? Is last year’s iPhone gathering dust in a drawer?
Stop keeping all that clutter and trade them in for cash!
Decluttr is the place to sell used tech, as well as media and games. It assesses no costly auction fees, and you’ll receive an expedient next-day payment.
Chances are you’ve used Airbnb to find affordable vacation housing- so why not use it to turn your own space into an earning opportunity?
You can rent your whole house while you’re out of town, or just rent a room to someone for a weekend trip.
You have to keep things clean and make sure you secure your valuables and such, but renting out a room is typically very simple.
And you get to pick how much you charge for the space! One room per night in a popular town can be $100 per night, meaning each weekend could earn you $800!
Along with pocketing up to four extra digits per month, you’ll also likely meet some cool people.
Brittany has found some great deals on Poshmark, but we’ve also sold some items just as easily!
Poshmark is a selling app known for beauty supplies, decorations, and clothes, but you can also post electronics, furniture, pet products, and more for sale as well.
You simply post the product with a good description and nice photos, with a set price.
However, people can send you an offer for your item rather than pay that price, but you can decide whether you accept it or not.
From used furniture to used cars, you can sell just about anything on OfferUp– and since they’re all local transactions, you won’t have to worry about the hassle of shipping.
Just meet up and exchange the item in person, similar to Craigslist or Facebook Marketplace. Easy peasy!
Offerup also bought Letgo, if you used to use that app, so it has even more users and buyers than before and more income potential.
Side-Hustle Apps That Make You Money
Even if you work full time, the mobile-friendly gig economy has made it easier than ever to pick up a side hustle (or three). Here are some apps that’ll help you earn money in your extra off time- and maybe even have fun doing it.
Want to get paid to play with pets? No need to pay for vet school or adopt a pet yourself- you can petsit and dog walk as easy side hustles!
All you have to do is download Rover and list yourself as a sitter or dog walker, get your account set up for direct deposit, and start working.
You can earn up to $1,000 per month by offering boarding, walking, or doggy daycare services.
Did we mention you also get to play with a plethora of pups… for cash? Yes, really.
Sign up now and earn your first $25 for free!
Man, are we thankful for grocery delivery services!
If you’re a grocery-shopping guru, you could get paid for your services by becoming an Instacart shopper. You can choose between full-service shopping (where you provide personal delivery) or in-store services only.
You get paid in multiple ways as a shopper, download the app and check it out- using it to make money or to get your groceries will benefit you!
We used Instacart for our grocery shopping and had an amazing experience with our Instacart shopper. We tipped our shopper over $3.00 for her service.
22. Steady App
Want to find side gigs that match your skill set and pay you a great hourly rate?
Steady is a perfect app for you!
You can sign up and use Steady for free to find side hustles that will boost your bank account and make your financial future greener.
Their features are top-notch to make your side hustles more successful: they have Income Trackers to see how much you’re making from your side hustles, PLUS Income Boosters to see how you can make more.
23. Amazon Flex
There’s a reason all those Amazon Prime packages make their deliveries timely. Amazon Flex is hiring people to deliver packages!
If you want to become part of the workforce that makes it happen, you could earn $18 – $25 per hour. You’ll set your own hours and build your own schedule, all while delivering smiles.
It was so strange seeing our Amazon package being dropped off at 7:30 pm in a regular town car. But after some research, we learned about Amazon Flex and how people are making side money getting our deliveries handled!
24. Uber Eats
Want another driving app the make money so you have some other options?
Even if your old beater car doesn’t meet the exacting standards for ridesharing, you can still make money by driving it around!
With Uber Eats, you’ll just be delivering delicious dishes instead of passengers.
Plus, you can get same-day payouts up to five times per day.
25. Neighbor Storage
Do you have some empty space in your house after selling stuff on Decluttr?
Well, you can join Neighbor and rent out whatever free space you have for extra cash!
Whether you have extra space in your shed, a closet, the basement, or even your driveway, you can list it and more on Neighbor.
Passive Income Apps
So what apps pay you the most money? Investing is always a no-brainer in our book!
Put your existing money to work for you using the power of compound interest.
When you put money towards an investment, the dividends you earn are basically interest on the money you’ve given them.
These investment apps make it super simple to start investing, even if you’re an investment beginner to the stock market.
If you ask us, the best income is passive income: money that generates itself without any conscious thought or effort.
Robinhood has investment options such as stocks and funds, cryptocurrency, and even had cash management.
If you’ve got a spare $5, you’ve got the beginnings of an investment portfolio when you sign up for Stash, which is available for both macOS and Android.
Plus, the app makes it easy for you to make informed choices about what, exactly, your money is supporting.
You can learn more about how to invest in ways that can align with your personal values and goals.
Find out more from our Stash Review, and see how you can start investing today!
Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures. Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security. All investments are subject to risk and may lose value. Fractional shares start at $0.05 for investments that cost $1,000+ per share.
Not exactly swimming in start-up capital for your investment portfolio? Any small investment is capable of making money, so don’t be deterred!
Acorns automatically rounds up the spare change from your everyday purchases on your credit card and invest it in diverse ETFs, even rebalancing your portfolio for you when the market moves.
Acorns is great because you can invest in little amounts and start growing your money quickly without being an active investor.
Investors find this platform is really similar to Robinhood and great for newbies who are still learning how to invest.
If you’re looking to invest, but want to be a bit hands-off, you should look into robo-advising from Betterment.
Betterment can reevaluate and move things around in your portfolio automatically, hence how it works as a smart Robo-advisor.
You just tell it your goals, how risky you want to be with your investments, and then Betterment takes over the reins.
BONUS ROUND: Money Management Apps
Now that your phone is making money for you and you’ve found the best money-making apps, you can do more to give your finances a boost!
After all, extra cash is of no help at all unless you’ve got a plan for it and keep track of your cash!
Try these personal finance websites to track your spending, budget your money, and try to bulk up your savings!
You can connect your Mint account with your credit or debit card and whatever other accounts you may have and get a quick picture of your finances in one place.
Along with tracking your finances and showing you a (sometimes-scary) pie chart of exactly where your hard-earned dollars are going each month, Mint also provides useful spending insights and product suggestions that can help you save more in the long term.
2. Personal Capital
Keep tabs on your net worth, cash flow, and portfolio balances all in one easy, user-friendly space with Personal Capital. You’ll also get a free portfolio review with a financial advisor.
You hook up your bank accounts and credit cards to see you earning and spending in real-time, all in one place!
Read this review to learn more about why Personal Capital is one of the best money-management apps you can use.
Looking for Even More Ways to Earn Money Fast?
They say time is money, and we all only have 24 hours in the day so you need a sure-fire way to earn money when you can.
You can use a money-making app to earn money, but is it possible to do more in your free time for a higher payout?
Side hustles are the way of the future!
You can find easy ways to earn money here and there and maximize your income without compromising your leisure time.
The best part? You’ll be making money from the comfort of your own home!
BONUS ROUND #2: 7 Side Hustles To Start Today
There are plenty of hobbies and other talents you can use to increase your income and make a bigger impact on your financial situation.
Here are our top 7 hustles that can help you earn $1,000+ on the side every month!
1. Start a Money Making Blog
It takes a lot of effort up front but once you start seeing the success the sky is the limit. Our blog brings in over $10,000 per month!
You can write about your passion, work from home, and start earning over $1K per month with some hard work.
You can create a professional-looking blog with BlueHost for only $2.95 a month!
Then you need to sign up for affiliate programs, land some sponsored posts, and use SEO to get people on your website.
2. Start a Facebook Side Hustle
Want to make money using Facebook? There are plenty of small business owners in need of marketing help.
Ads on Facebook are becoming a great money-making strategy for businesses, and they need to hire people to create ad campaigns and monitor them.
You can start by taking a course like FB Side Hustle, which can teach you how to create eye-catching ads and how to get people to buy!
Being a Facebook Ads manager is perfectly flexible to fit anyone’s schedule, and you can earn $20+ an hour even as a beginner.
3. Become a Freelance Writer
Freelance writing can be an incredible way for you to make money in your free time, especially if you enjoy writing! Earn anywhere from $0.10-$0.20 per word depending on your experience.
Plus, you can learn how to become a successful writer with the course Earn More Writing!
4. Become a Bookkeeper
If you’re great with numbers, you can start a bookkeeper business in no time- no experience needed!
You’ll many work with spreadsheets, putting information from paper into a more usable form and maybe creating some visual graphs for that data.
And don’t think bookkeepers are like accountants, working with tons of numbers and taxes- it’s simpler than that!
You can take free lessons from Bookkeeper Launch and see if a bookkeeping business is your best money-making idea.
5. Become a Proofreader
Love to read? Why not get paid to read others’ work and find spelling/grammatical errors as a proofreader? You can easily earn a few hundred dollars a month in your spare time, and start with no experience!
Want to learn how to become a successful proofreader and get more money? Take the FREE Proofread Anywhere workshop to get your business off the ground!
6. Become a Pinterest VA (virtual assistant)
Love being on Pinterest all day and all night? Why not help other online business owners market their business with your Pinterest skills?
7. Flip Items on eBay and Amazon
Love going thrift shopping and finding neat things to turn into cash? Start your own flipping business today!
We have tried so many apps out there, and we believe these are the best money-making apps that are worth your time and effort.
So get some apps downloaded so you can make money, get that cash back, create some side hustles, and much more.
Some cash back apps and survey apps will make a few dollars here and there per day, whereas some investment apps and side hustles can earn an extra $500 per month!
And, hey, even if it’s helping you rake it in, don’t forget to put that cell phone down every once in a while.
There’s a whole world out there waiting for you… and who knows? You might just stumble into an even better-earning opportunity.