hat are the best money making apps that pay cash (and gift cards)? That's a million-dollar question. In this post, you'll find out and learn the best applications to make money fast if you need money now.
Two months ago, I sent my readers an email to see what they thought about phone applications and if they believed that there's money to be had from those platforms.
Here are the results of their responses:
- Only 8% used their smartphones with applications that make money online for them
- Only 10% know about those
- A swapping 74% of the respondents didn’t know any platforms that pay cash or help them earn rewards
I was shocked at the statistics.
That led me to research the best free money apps out there, and this is why this post is here.
My research led me to the following findings:
- A survey taker made $4,000 in one month taking surveys for cash on his free time
- Another one made $615.56 in 10 days by putting in a few minutes every day
23 Best Money Making Apps of 2019
Out of more than hundreds out there that pay money, I chose these 23 applications to include. These are based on the criteria (below):
- Legitimacy. All of the apps here are legit. You don't want to use apps that turned out to be a scam. That's not a good way to make money from home.
- Payout. Who doesn't want free money, right? There are proofs (below) that will show the money people make.
- Convenience. You may not always have time for a second job. These apps can help you make extra money on the side wherever you are.
Apps categorized into four sections:
- Apps To Make Money Fast – ones to make you money now
- Medium Apps That Pay Cash – where you need to put a little effort but they pay more
- Difficult Apps That Pay You Money- may take a long time to make you money, but it's BIG money
- Others Random Ones – ones that can fall on any of the first three categories
Free Money Apps (Quick Money)
Just because the following are something you may not be familiar with, that doesn't mean they aren't great. As a matter of fact, they're some of the most generous paying apps out there right now.
1. Survey Club – Earn up to 115/survey; One made $4,000
I was on the fence and skeptical with taking surveys until my wife made $700 in one month. Since we started, we've made over $8,000 from surveys.
With surveys, you can share your opinions on anything and whatever your interests are, and make money fast. You don't need special skills or talents to make it happen.
For just a few minutes, you can make up to $115/survey with Survey Club, one of the highest paying apps.
Some even made $50 taking a 30-minute survey. One particularly made $4,000 in a month just with Survey Club. See my Survey Club review here.
Other high-paying sites for completing surveys:
- Survey Junkie (the best money app for survey newbies)- Tia, a survey taker, made $615.56 in 10 days just by answering surveys for 5 minutes or less daily. See my Survey Junkie review here.
- Ipsos Panel – One member made $40 in two days just by spending a few minutes here and there.
2. Swagbucks – $15 bonus; Make money for anything you do!
Swagbucks is a great site for those who are online at any given time and want to earn extra cash. See my Swagbucks review here.
Whether it is reading emails, watching YouTube with your kids, or something else, Swagbucks lets you earn money online for things you normally do.
The best, enticing part?
As a starter, you receive an earn extra $5 just for signing up. Plus, make $10 Swag Up when you make your first purchase. That's $15 free money.
Here's a kicker:
Other ways to make money from Swagbucks:
- Take surveys (include $5 sign in bonus)
- Browse the web (include $5 sign in bonus)
- Get paid to watch videos (include $5 sign in bonus)
Click here to start with Swagbucks for FREE.
3. EBates – $10 bonus; Earn up to 40% cashback
I hope when you shop online that you get some money back ALL the time.
If you are not, then, you are leaving money off the table. Seriously.
Believe it or not, there are a few apps that give you money through cash back. One of them is Ebates. It’s a personal favorite of mine, especially during holidays.
It is one of the best free money making apps that partners with over 5,000 merchants to give customers as much as 40% cash back.
It even gives out $10 sign up bonus for new members.
I just go to Ebates to look for a site I want to make a purchase, click that site, and get directed to it. After I made a purchase, the cash back goes to my account.
Cash back sites that offer money and rewards:
Here are some cash back apps like Ebates that offer free money, rewards, and so much more:
- Drop: Get cash rewards for whatever you spend on every day. You never have to look at which sites have coupons and deals.
- Affinity: Get up to 30% – 40% in cash back online plus $20 sign-up bonus
Apps To Make Money Online (Little Effort, More Money)
If you are a teenager and are looking for side hustles or online jobs for teens that pay or an adult, these are the right apps for you. Let's see what they are.
Just FYI, they are still FREE apps to use and these are apps where you can make money:
4. MyPoints – $10 bonus; Earn $60 in few hours
MyPoints is not just one of the best survey apps but is also your site to get paid for anything (from using coupons to playing games) you do.
It's a coupon site, survey site, browser, game site, etc. all combined in one.
What's better is that MyPoints will give you extra cash of $5 for taking the first five surveys and give you a chance to start earning $50 per survey.
The best part?
On top of that, just spend $20 or more and receive a $10 balance in your account.
Imagine this… you could literally earn over $60 (i.e. $5 bonus, $50/survey, and $10 for spending $20) in a few hours.
Click here to create your MyPoints account for FREE now.
5. Acorns – $5 bonus; I made over $2,000 from a few cents
A lot of people say that you need a lot of money to invest. I say “Heck to the no!.”
I can't emphasize why there's money with apps like Acorns:
It is easy to use because it rounds up your purchases and invests those cents into the stock market.
The best part?
Just recently, Acorns upped its game and now offers cash back for popular stores/brands like Walmart, Target, and Amazon. That is just remarkable.
As one of the best money earning apps on my list, it is also one with the highest return on investment.
I've only been using Acorns for 7 months and my investment is already around $2,000.
Sign up and start with Acorns here and get your $5 sign-up bonus.
6. Neilsen Consumer Panel – $50/year or a chance on $10,000/mo.
Surveys aren't for everybody? That's for sure. There's a solution to that.
The only things you need to do are sign up, download, and install Neilsen Digital Voice's app.
Nielsen, one of the best rewards apps, gives you $50/year and gives away $10,000/mo to select lucky people. Is there a catch?
No. It's just one of those free money apps that aren't really needing your effort and time to take surveys.
Download Nielsen Digital Voice and get that money you didn't know you could get.
Here are the other rewards apps you can use now:
- Neilsen Computer and Mobile Panel <— Gives $10,000 per month
- MobileExpression <– Literally, you get a gift card after one week of being an active member
- Opinion Square <–Someone made $100,000 from this
- Survey Savvy <– get $5/mo
7. Shopkick – Make money by stepping in the store
Did you know that Shopkick – one of the real money earning apps – will reward you to just stop by a store?
Even if you have a lock screen, every time you walk into a Shopkick partner store (like Walmart and Target), you get kicks aka points.
You can redeem your points for free gift cards or merchandise.
If that's not even enough, you can also earn extra points by scanning products and shopping in-store and online.
The best part:
You can also earn points by buying specific products in a store, but it's completely optional.
8. Trim – How to make money by cutting down your bills
So, what's so special about it?
Trim searches ways for you to save money fast on everyday expenses like groceries and utilities, negotiates your cable and internet bills, finds you better car insurance, and more.
Believe it or not:
Even when we still have a phone contract with Verizon, Trim cut our bill by $20/mo. That's $240/year. See image above for proof.
If we could save money in the way we didn't think we could, so can you.
9. Ibotta – $10 bonus; Save money on groceries
Who doesn't want to get paid for buying specific grocery items, which you normally buy anyways? Not to mention you can save money on groceries.
Wait, there's an app for that? There sure is. That's where Ibotta comes into the picture.
Here's a proof:
Actually, I opened an account 4 months ago and I've earned over $383.00 (see image below). Crazy, right? Yes, it is crazy good.
Here's how it works:
- Sign up for FREE.
- Browser through the cashback offers in the app to see the products you want to buy.
- Buy the products and scan your receipts or link your loyalty card and you are done.
- Earn money back once you redeem those offers.
Click here to sign up for Ibotta for FREE and also earn a $10 sign up bonus when you redeem your first receipt.
Long-term Goal Apps That Pay Cash (Wait for months, Make The Most)
Now, we've come to the best. These apps may take you a longer time to make money. If you want to get rich quick, these may not be the apps for you. But if you can wait, these apps can help you.
I suggest you combine the easy ones with these so you get the benefit of both worlds.
10. InboxDollars – Easy $100/mo
The next time you watch a video (or even while you are playing games), just remember that there's an app that will pay you to do that.
That app is InboxDollars.
By spending 5 to 10 minutes a day or whenever you have time, there's a chance you'd earn extra money to the tune of $100/mo or so. Not bad for a few minutes here and there.
Did I say that it is one of the best free money apps out there? It is.
11. Paribus – Get refunds without doing anything
I never thought that deleting emails can cost me a lot of money. No, I'm not paying someone to delete my emails.
Here's how it works:
Once Paribus is connected to your email address, it will search for email receipts from retailers it monitors.
Once it finds out an item's price from those retailers, it will track the price and get you some refund when the price drops.
If you buy things online from Amazon, Target, and the likes, you're more likely to benefit from this app since those stores change their prices quite often.
Who doesn't like that? Oh, did I say that Paribus can be used for FREE? This is just one of the main reasons I included this on my list of the top money making apps we love.
12. Instacart – up to $18/hr
It is one of those apps you can make money on like you're making in your day job.
The best part: You can do it part-time.
You will be paid for delivering groceries to those who don't feel like doing their groceries. It doesn't get any better than that.
Here's the kicker, and it's for a good reason:
Your pay depends on several factors such as the total amount of order, average number of miles per trip, just to name a few. You can also get tips. Cha ching!
With this money, you can pay your credit card, loans, and other debts. It can help you save money, too.
Instacart personal shoppers typically earn $18 per hour. That's not a bad gig if you ask me.
Click here to become an Instacart personal shopper. Earn from one of the best money making apps out there. See the best food delivery apps here.
13. Vindale Research – I made $1,100 from this
It has now become a trend where companies would pay you to know your opinions about their products.
Vindale Research is another money app that allows you to earn money by answering online surveys.
You get CASH payments. You can also earn money by joining paid studies.
To see is to believe, right? Here's the proof:
I have made over $1,100 since I used this (see image above).
You can also earn $5 for every friend you refer. Earn another $5 by showing off your payment photos. You can also read paid emails, watch videos and provide feedback.
14. Blooom – Save thousands in fees.
Sometimes, saving money means making money. For example, if you saved $100 by getting the cheapest car insurance, then, you made $100 right away.
Now, for those who have retirement investments, how much fees do you pay? If you pay a lot, then, you'd lose a lot down the road due to the compounding effects of your investments.
There's a solution to that. It's called and it is one of the money making apps that examines your 401k for FREE.
A friend of mine introduced me to it and I was stunned at how much fees I was paying.
Here's the deal:
Blooom checks for hidden fees, tells you if your portfolio is too aggressive, and how much you could be missing out on by DIY-ing your 401k.
It also optimizes your 401k by checking the best funds to meet your goals with the lowest fees.
Check out Blooom here. You'll find out why it's one of the best apps to make money fast.
Random iOS and Android Apps That Pay You Money (From easiest to most rewarding apps)
Are you looking for ways to make money from applications? This section details random apps where you can make the quickest money ever or the most challenging platforms to make you the most later on.
Tourists nowadays tend to look for cheaper accommodation when they travel. Why? We all know how much good hotel charges, A LOT!
To be honest, I personally would prefer staying in a decent and cheaper room so I can have more money to spare when traveling.
That’s where Airbnb, one of the best ways of making money on apps, comes in.
If you have a spare room or apartment or house and want to earn from it, then you might want to try signing up with Airbnb.
Here's how it works:
You just have to sign up, create a listing for your space, add a description and how many your space can accommodate, add photos of the room, and how much the charge is.
Get paid automatically once your guests checks in but Airbnb charges 3% service fee.
You can get your payment via PayPal, direct deposit, wire transfer or whatever you and your guests agreed on.
If you have a car and likes to drive around, why not earn money while you’re at it?
How Lyft, one of the best ways to making money on apps, works is similar to Uber. You just have to drive your passenger from their point of origin to their destination.
Lyft has the potential to be one of the best free money apps because you are your own boss. How much money you earn really depends on you.
The more you drive with Lyft, the better the chances of making more money.
Here's how it works:
All you have to do is download the app for free, sign up, start your car, gas up, and off you go making money.
You can also earn a few extra money from your passenger’s tip, earn Power Driver Bonus for driving passengers when you are needed the most, and refer a friend to also drive for Lyft.
You can get your payment whenever you want after earning at least $50. But, Lyft charges $0.50 transfer fee to your nominated bank account.
Carousell is one of the fastest growing money making apps in 2018. Carousell originated in Singapore but recently has opened its marketplace in the US.
If you recently decluttered your place and you want to dispose of your pre-loved items, Carousell is the best place to go to.
You can sell almost anything you can think of, as long as it is not illegal, of course.
It’s one of those apps for android phones or iOS where you can upload up to 9 photos of the goodies you want to sell. Add a short description so interested buyers would have an idea of what they are going to buy from you.
You can earn money from cash on delivery or meet up, bank transfer or through PayPal.
If you want to look for a place to sell your used but not abused stuff, you might want to check out Carousell.
Shop and get paid? Wouldn't that be the best thing that could happen? I think the answer you are looking for is YES.
If your answer is yes, then, this application is right in your alley.
Just download the app and connect it to your Amazon account and you are good to go. You'll be given $3.00 bonus just by making a few clicks. Plus, you'll earn rewards month after month.
That's how easy it is to make money with ShopTracker, one of the best free money apps. Sometimes, you can download it and forget about it, and still make money.
I like how online shopping now becomes a norm. It’s super convenient especially for people who don’t have the luxury of time to actually go out and shop.
I’ve been using Spent, one of the many money earning apps, for quite some time now and it helped me manage most of our family’s finances.
It’s a free personal finance tool that analyzes your expenses, finds financial mistakes and provides recommendations you can use to save more money.
What I love about Spent is it tracks your expenses and earns you cash back every time you shop in their partner merchants.
Also, when you combine using a gift card with any online purchase, you get extra money back.
You only have to link your credit card or debit card to earn the cashback and transfer your cash earned to your PayPal account.
Sign up with Spent for FREE and be one of those people who make use of these money making apps like Spentapp.
Food is Life. Yep, that’s me! I’m pretty sure most of us would tend to provide tons of reasons and explanation on why it’s hard to exercise.
But, what if you get to be paid when you stay fit? Sounds impossible, right? Let me introduce to you DietBet, one of the many money earning apps. It’s a free mobile app where you bet on yourself to lose weight.
There are 3 game types: Kickstarter, Transformer, and Maintainer:
For Kickstarter, the goal is to lose 4% of weight in 4 weeks. In Transformer, you need to lose 10% in 6 months. Lastly, in Maintainer, you need to maintain your weight for the next 12 months.
You can choose what games you want to join or start your own and challenge your friends.
For example, in Kickstarter, the average bet is around $30. Whoever reaches the goal of losing 4% of their body weight, will share the pot money. Winners get 1.5-2x their bet on average.
This is truly one of the best free apps to make money fast for those who want to be fit.
Worst case scenario? You’ll be losing weight without winning. But hey, that’s still a pretty good win.
21. Field Agent
No, not as a detective or a spy or Secret Service Agent.
Field Agent, one of the many money making apps, gathers information and insight from consumers worldwide. As an agent, using your smartphone, you can take pictures, videos, and information from stores. This information is being used by companies to better understand how you as a customer think.
Think of it this way, you’re already out to do groceries. Why not get paid at the same time?
Field Agent’s common missions include price checks, in-store display checks, and answering surveys.
There are also instances when you need to take a photo of an item and answer a set of questions.
Once you’ve selected a mission, you have 2 hours to complete and get paid by direct deposit to your bank account or debit card. Average earnings per job typically are around $1 to $12.
Check out the Field Agent app now just by using your email address.
Foap is another of the best money making apps to look out for in 2018.
How does it work? You can upload your photo collection and Foap will sell it to renowned brands. Foap also partnered up with Getty Images so you can sell more photos.
There is no limit as to how many photos you want to upload. You earn 50% as a commission for every photo that sells via PayPal.
One downside with this app is it would take 1 whole month for your payment to be processed as Foap would have to verify all the data related to your sales.
One of the fastest growing fitness and money making free apps is Sweatcoin. It converts your outdoor steps into a digital currency called, you guessed it right, Sweatcoins.
You can download the app for free and Sweatcoins validates your steps based on your mobile phone and GPS. You can earn 1 Sweatcoin for every 1,000 steps you make.
You can also convert your Sweatcoins into gadgets, fitness kits, and a lot more.
But, if you feel like doing something good today, you can also donate your Sweatcoins into its partner charities.
So, not only you get wealthier but you also get to be fitter and healthier. This is truly one the best free apps to make money fast
Money Earning Apps FAQs
Wait a minute!
Before ending these free money ideas, here are answers to some questions on these money earning opportunities (more at the end of this post so please read through everything):
1. What apps make you the most money?
There are a lot of apps that make you money but my recommendations are Swagbucks, Survey Junkie, and Survey Club. They pay higher than many of the apps I've seen so far.
- Swagbucks pays you to do anything you do. Whether it's shopping online, listening to podcasts, etc., you'll get paid. See my Swagbucks review here.
- Survey Club pays members can earn as much as $115 per survey for focus groups. Period. See my Survey Club review here.
- Survey Junkie is known for its transparency with payouts. In less than 30 seconds, you can create an account and be on your way to making money. See my Survey Junkie review here.
2. What would you want to make money from apps?
That's because you might as well use them for your benefit. Apps are essentials for a smartphone to work. So, it makes sense to use them to benefit you monetarily.
A lot of them require you to do things that are already in your routine. So, it's a no-brainer to just use them, go on doing what you usually do, and still earn cash.
It doesn't get simple than that.
3. What are the best money making apps?
To summarize what I detailed above, the best money earning apps you can use to make extra cash on the side are:
- Survey Club
- Survey Junkie
- Neilsen Consumer Panel
4. How can I earn money with my phone?
There are several ways you can earn money just by using your phone. Here are some activities that companies put out to help people make money:
- Take paid surveys
- Search key terms online
- Sell your old books
- Take pictures of your receipts using your phone
- Get a refund for things you already bought
- Answer questions of the day
- Get paid to share your opinions
- Get cash back (a lot of it) when you make purchases online
5. Can apps make you rich?
Unfortunately, apps won't make you rich.
That said, apps that can be a great source of money. Imagine answering a few questions, buying things you already intended to buy, etc. and make money from them.
Imagine an app that pays you to walk, an app that helps you earn money by watching videos, etc.
What I'm saying is that, if you're already doing what you are already doing, then, you might as well make money from these apps.
After all, most of these free money apps are…. FREE. Remember, a few dollars here and there can add up and help you pay your bills.
Final thoughts on Money Making Apps:
There you have them.
You'll be surprised how much money you'll be able to make with these money making apps. Who doesn't like that? Be sure to use as many free apps here as you want so you can earn more money.
Which ones of these best apps are you going to use? Do you particularly love one app over the other?
Remember: There's money with apps. You just need to find out which ones best suit you. Just find those in Google Play and you are good to go.