Here are the top 10 best apps for making money. These apps will help you make money through various ways including taking photos and videos, completing surveys, playing games, referring friends and more. This list also has an option on how much each app makes you per hour
Table of Contents
Best Apps For Money Earning
- Ibotta
How it works: Ibotta lets you earn cash back on in-store and online purchases at over 2,000 supported retailers. Originally for groceries, it has expanded to include clothing, entertainment and eating out, pet supplies and other categories. Offers can be product or retailer-specific — and some will automatically be applied. For others, you’ll need to complete an additional task such as watching a video or taking a poll.
There are three possible ways to earn cash back in stores: Add offers and submit your receipt in the app after your shopping trip, link your retailer loyalty accounts or purchase a retailer gift card through the Ibotta app. For online purchases, you shop through the app or with the Ibotta browser extension on your computer.
Payment: PayPal, digital gift card or direct to a bank account.
Pros: You’ll receive cash back on in-store purchases quickly — typically within 24 hours. Ibotta also offers a welcome bonus to new users, referral bonuses and a variety of payment methods.
Cons: Making money can be a slow process. You must have at least $20 in cash back to redeem your earnings (some gift cards require at least $25 in earnings). For online shopping, the pending period for earning cash back varies by retailer.
Download: Android, iOS.
- Rakuten
How it works: Rakuten (formerly known as Ebates) rewards shoppers with up to 40% cash back on purchases from well-known retailers, restaurants and food delivery services. Users can also earn cash back on travel, gift cards and more. It’s straightforward: Create an account, tap on the store where you want to shop in the app, then make the transaction through the portal. You can also link a credit or debit card to your Rakuten account to earn cash back in-store — as long as you activate the deal through the app first. Rakuten credits the cash back to your account after it confirms the purchase with the retailer, which it says can take a few hours to several days.
Payment: PayPal or check.
Pros: Thousands of stores and purchases are eligible for cash back, so you’ll likely find deals where you already shop. New users can earn a $10 welcome bonus after their first qualified purchase. You can also earn sign-up and referral bonuses.
Cons: As with most cash-back services, you have to spend money to make money. You won’t see your earnings right away, either; Rakuten sends out payments every three months, and you need at least a $5 cash-back balance to get paid.
Download: Android, iOS.
Money management made easy
NerdWallet tracks your income, bills, and shows you ways to save more.
- Swagbucks
How it works: Swagbucks is a cash-back and rewards app. You earn points, called “SB,” by shopping, taking polls, watching videos, playing games or fulfilling other tasks through Swagbucks. You can redeem those points for gift cards or get cash back to your PayPal account. The total points awarded can vary by task. For example, surveys are typically worth about 40 to 200 SB points each. The minimum balance required to redeem depends on the payout option you choose, but some gift cards are available for as low as 110 SB.
Payment: Gift card or PayPal.
Pros: Swagbucks offers many easy ways to earn rewards, and there’s no waiting period to cash in. Payments usually arrive within 10 business days after redemption. You can also get a $10 bonus with a qualifying $25 purchase when you join.
Cons: It doesn’t pay much; one SB is worth about a cent. With many tasks valued at pennies, it can take a fair amount of time and effort to make substantial money. Additionally, you won’t qualify for every survey or task. Users often report getting kicked out of surveys in the middle of taking them. This can be due to demographics or dishonest or inconsistent answers, according to Swagbucks.
Download: Android, iOS.
- Fiverr
How it works: Fiverr is a freelancing marketplace that features gigs in over 200 categories, such as programming and video and animation. Create an account first, then you can set your profile as a “seller” highlighting your expertise. Post the gig you’re offering, which will include pricing and a description of your services. Clients, known as “buyers,” can click through and place orders. You’ll get paid once you complete the job. Fiverr assigns seller levels based on performance. As you move up each tier, you’ll be able to sell more “extras,” such as a faster delivery time.
Payment: PayPal, direct to a bank account or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and you may be charged a withdrawal fee, depending on which option you choose.
Pros: You don’t have to worry about tracking down buyers because they come to you. You can also earn tips.
Cons: Fiverr takes 20% of your earnings for every gig, including tips, and there’s a standard 14-day waiting period to withdraw money after completing an order (top-tier sellers wait seven days for funds to clear).
Download: Android, iOS.
- Upwork
How it works: Upwork connects freelancers to gigs in writing, design, marketing and other categories on the marketplace. First, you’ll create a profile. It should include information such as the field you’re interested in plus your qualifications, availability and desired rate. Then, you can submit proposals. Clients will review them and offer projects if you seem like a good fit.
You begin each month with a set number of “Connects,” which are like credits that allow you to contact prospective clients. You can earn or pay a small sum for more Connects, but you won’t be charged when clients contact you. You can get paid on an hourly or per-project basis.
Payment: Direct to U.S. Bank, direct to your bank account, wire transfer, Instant Pay, PayPal and Payoneer. Charges apply to some payment options, so be sure to check Upwork for details.
Pros: Upwork helps take the work out of seeking out clients, establishing relationships and getting paid. The service also gives you the flexibility to set your preferred rate and schedule.
Cons: The app is free to download, but initiating contact with lots of clients costs money. Users also get charged a service fee. Upwork takes a 5% to 20% cut of your earnings based on how much you’ve billed a client. The more you earn, the more you get to keep. However, you won’t get paid until 10 days after the billing period ends. Remember, too, that you’re competing with other freelancers on the platform. That means clients may choose those who’ve set lower rates.
Download: Android, iOS.
- OfferUp
How it works: OfferUp, which combined with competitor Letgo in 2020, functions as a local marketplace you can use to sell your stuff. If you want to reach a broader audience, OfferUp also allows shipping within the continental United States. Create an account and snap a picture of your smartphone, car, sofa or whatever it is you’re selling. Once you add a title, description and price, you can post your listing and chat with buyers directly through the app. Then, you’ll ship to or arrange a meeting with the buyer.
Payment: Cash or deposit to debit card or bank account.
Pros: Creating a listing is simple and fast, and you’ll get paid instantly when you make a cash sale. You can also view a prospective buyer’s reviews and ratings to get an idea of how trustworthy they are beforehand. If you ship your item, the buyer pays the cost, and OfferUp provides the label.
Cons: You’re responsible for meeting local buyers in person and handling transactions. Sellers must pay a 12.9% service fee, or a minimum of $1.99, for shipments.
Download: Android, iOS.
- Poshmark
How it works: The Poshmark app is tailor-made for selling clothes, accessories and even home decor. After signing up, you take or upload photos of your item, fill out a description, price it and share the listing. You can also feature items in the app’s “Posh Parties,” which are virtual shopping events centered around particular brands, categories and themes. Poshmark emails you a prepaid shipping label once a purchase is made. Then, you send the package.
Payment: Check or direct deposit to a bank account.
Pros: Poshmark facilitates the entire process, from selling to shipping. Plus, you don’t have to meet with strangers to make a sale. The company will cover lost packages and handle issues between you and the buyer. Getting paid is relatively quick, too; Poshmark issues the money within three days of the buyer receiving the order.
Top money earning apps 2022
Rakuten
Rakuten
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What We Like
No fees
Over 3,500 stores available
Cash back can apply to in-store purchases
What We Don’t Like
Must have a PayPal account to receive payout electronically
Non-electronic payments sent out via check
Payouts every quarter
Also a great browser extension for those on a desktop computer, Rakuten (formerly Ebates) has a solid money-making app, as well. With this tool, you can use in-store coupons, scan items as you go to compare prices, and perhaps its most well-known feature—earn cash back on certain purchases from certain retailers.
Here’s how it works: Once you download and start using the app, you’ll earn a set percentage of cash back when you shop with Rakuten’s list of 3,500-plus eligible retailers. While cash back is usually between 1% to 2%, we’ve earned as much as 10%. You’ll also get access to in-store coupons and other perks. Rakuten even compares coupons for you, so you can be sure you’re getting the very best deal.
Another plus is that once you sign up and start using it, you’ll automatically get paid every three months, as long as you’ve earned at least $5.01. Rakuten is an industry staple in the world of money-making apps. Founded in 1997, it’s given more than $1 billion in cash back to its customers.
RUNNER-UP, BEST FOR BARGAIN SHOPPERS
Shopkick
Shopkick
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What We Like
You can earn rewards by walking into partner stores
Alternative ways to earn points
Over 250,000 retail locations offering walk-in and barcode scan rewards
What We Don’t Like
Can only redeem rewards via gift cards
Only works on mobile app, no browser capabilities
If you love to shop and frequently find yourself at your favorite retail destination browsing the aisles, then Shopkick is a great money-making tool. Shopkick pays solely via gift cards, so keep that in mind.
Making money with Shopkick is easy. You download the app, then engage in one or more of these activities: walk into the store, no purchase necessary (yes, it’s just that easy), scan barcodes of select products (again, you don’t have to buy anything), purchase items at an eligible store with your Shopkick-linked card, purchase items and submit your receipt, visit online stores or view online products (no purchase necessary), make an online purchase with a Shopkick partner, or watch in-app videos.
While you aren’t paid in actual cash with this app, you don’t always have to make a purchase to earn, which is a nice perk.
BEST FOR AUTOMATIC PAYMENT
ibotta
ibotta
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What We Like
Actual cash back, no points or coupons
Works on mobile app and via browser extension
Low cash out threshold
What We Don’t Like
Lower cash back than other apps
Eligible retail locations may not include regional and local stores
ibotta is another great cash-back app, and you have three options to make money using it: Upload your receipt to the app when you purchase eligible items, link a store loyalty card before you shop to get access to special offers, or make purchases at eligible stores via the ibotta app.
With ibotta, you’ll have to complete tasks within the app to access its money-saving tools, which can be a drawback, depending on how much free time you have. You’ll also have to upload receipts manually, and there are only about 300 eligible retailers. However, you can get cash deposited directly into your ibotta account, which you can then withdraw—no waiting on checks via snail mail or trying to navigate cryptocurrency.
BEST FOR PHOTOGRAPHERS/VIDEOGRAPHERS
Foap
Foap
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What We Like
Doesn’t require a DSLR camera.
No commitment.
No minimum needed to withdraw cash.
What We Don’t Like
Payouts are only through PayPal.
Payments are sent at least one full month after withdrawal.
Great for aspiring photographers and videographers, Foap is a money-making app that makes it simple to sell your photos and videos. Simply download the app, then upload your photos and videos to your online portfolio.
If your work is purchased by an agency, brand, or another user on Foap, then you’ll get paid, but you’ll share the profits with Foap 50/50. So, if Foap sells a photo for $10, you’ll make $5. But one photo can sell more than once, which is a nice plus. You can also submit photos to a specific project (Foap calls them “Missions)” for the chance to be paid hundreds for your photo.
BEST FOR INVESTORS
Acorns
Acorns
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What We Like
No minimum deposit needed to begin using the app.
No work required to invest.
IRA and checking account options.
What We Don’t Like
High fees for smaller accounts.
You can lose money.
If you like to be a bit more invested in your money-making app, try Acorns. Download the robo-investing app and link your bank account. With every purchase, Acorns will round up to the next dollar and automatically invest your spare change into a portfolio of ETFs, which are diversified across 7,000-plus stocks and bonds. You can also sign up for recurring investments with Acorns, so you invest just a few dollars each day and watch your portfolio grow.
Acorns even has a list of Found Money partners—more than 350, in fact—that allows users to invest a percentage of their purchase when they shop with leading brands.
Acorns charges a $1 monthly fee, so factor that into your earnings. But with that, you’ll get a diversified portfolio, automatic rebalancing, investment support from Acorns’ support team, and mobile access to all your accounts. And if you really become a fan of Acorns, you may also try the company’s other offerings: Acorns Later, an IRA, and Acorns Spend, a checking account, and a debit card.
BEST FOR SURVEYS
Google Opinion Rewards
Google Opinion Rewards
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What We Like
Only a $10 threshold needed for withdrawals.
Users will automatically be notified when a survey is available.
No purchases required to earn money.
What We Don’t Like
Payouts only sent through PayPal.
The availability of surveys vary.
Opinionated readers, this one’s for you. Backed by the world’s most popular search engine, Google Opinion Rewards is a definite must-download for those looking to profit from their smartphone addiction—and get paid for being opinionated.
Here’s how it works: Download the survey app and complete short surveys on everything from hotels to TV shows to merchants whenever you have a free moment. Think in line at the bank, waiting for the bus, or even in the bathroom. You’ll be paid with Google Play credits or via Paypal for each survey you complete. Pay ranges from $0.10 to $1 per survey.
RUNNER-UP, BEST SURVEY APP
iPoll
iPoll
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What We Like
Competitive pay for surveys.
Can be paid in cash or gift cards.
No purchases required to earn rewards.
What We Don’t Like
Higher threshold for payouts than other survey apps.
Can take up to six weeks to receive gift cards.
Another paid survey, money-making app, iPoll is a bit less technologically savvy than its Google counterpart. Download the app and provide some personal information to get started. Then complete missions, such as visiting a store and snapping a photo or testing a product. Or, be alerted of new surveys the moment they hit the airwaves.
Once you complete your missions or surveys, visit iPoll.com to cash out. You don’t actually earn cash, however. Rather, you earn rewards like gift cards, airline miles, and similar things. But if you’re a big shopper or frequent flier, it just might be worth it.
BEST FOR FITNESS BUFFS
Sweatcoin
Sweatcoin
SIGN UP NOW
What We Like
Free to use
You can redeem your rewards with more than 600 partners.
It encourages a healthier lifestyle.
There is no commitment.
What We Don’t Like
You can’t redeem rewards as cash.
Low earnings for most users.
Getting outside for a workout can be tough. But download the Sweatcoin app, and watch your motivation skyrocket. After all, the app pays you for the steps you take. But full disclosure: You’re paid in cryptocurrency.
Here’s how it works. Download the Sweatcoin app, and keep it running on your phone in the background at all times. Then, get moving. You’ll earn 0.95 Sweatcoins for every 1,000 steps you take. Once you earn a certain amount of Sweatcoins, you can redeem them for goods like anti-gravity yoga classes (yep, that’s a thing), an Apple Watch, an iPhone, even vacations.
Most items will cost you around 20,000 Sweatcoins. If you walk 10,000 steps per day, you’ll earn 9.5 Sweatcoins. Walk 10,000 steps daily, and it will still take you almost six years to earn 20,000 Sweatcoin. So this app is really for the serious movers and shakers, not casual fitness enthusiasts.
What Is a Money-Making App?
A money-making app is an application you can download on your phone, tablet, or sometimes even your computer that helps you make money in a variety of different ways. Some apps pay you a small fee to leave the app running in the background or shop in certain places and get cash back. Others pay you to take surveys or participate in activities such as exercise. The goal is to offer a small reward or cash back from your phone, and because we spend so much time on our phones, it can be a convenient way to get paid.
How Much Does a Money-Making App Cost?
Money-making apps vary in terms of function, how they help you make money, and prices. Some apps have a small one-time fee to download, and others charge a nominal monthly fee like $1. However, most money-making apps are free. Some apps do, however, require purchases to be made to save or make you money. Make sure to read the fine print when signing up, so you know what to expect, and be realistic: a money-making app isn’t going to replace your income but can sometimes be a small supplement for using your phone as you normally do.
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