Making money from home isn’t just for stay-at-home moms anymore. In fact, many people are earning thousands of dollars per month from their phones and tablets.

The best part is that anyone can do it! You don’t need specialized skills or experience to start making money from your phone. There are tons of apps that pay you for the things you already do or for taking a few minutes out of your day to complete tasks.

You might be thinking, “It sounds too good to be true!” but it’s not. I’ve spent over 10 years earning $1,000+ per month online and I’ve put together a list of some of the best apps that pay you real money.

With so many apps out there offering you the opportunity to make money, it can be difficult to know which apps are worth your time.

Luckily, we’ve done the research for you and compiled this list of the best money making apps around — all of which are free and easy to download.

Best Money Making Apps

What Are Money Making Apps?

There are many apps available in the market that can help you earn money. These apps let you sell your products or services, or they will pay you to perform various tasks on your mobile device.
A few of these apps may even be able to help you make money by completing surveys, watching videos and more.
Money making apps are becoming a popular way of making money through your phone. Some people have even quit their jobs to focus on their app business full time.
You can start earning right away with no experience or training.

The best part about these apps is that they allow you to make money while you are doing something else. You can make money while watching TV, while commuting to work, or even while going for a walk!



Best Money Making Apps – Introduction

Hello! If you’re new to this blog, you may want to start with the money-making apps post. 

There are many areney-making apps, but which ones are worth your time? Well, for starters, it depends on what your goals are.

Are you looking for some extra cash to buy gifts for the holidays? Perhaps you’re saving up for a big purchase. 

Or maybe you just need some extra money to pay down debt. Whatever your reason, there are plenty of ways to make money with money-making apps.

There are many making apps out there, but which ones are worth your time? Well, for starters, it depends on what your goals are. 

Are you looking for some extra cash to buy gifts for the holidays? Perhaps you’re saving up for a big purchase.

Or maybe you just need some extra cash to pay down debt. Whatever your reason, there are plenty of ways to make money with money-making apps.

What Are the Best Money Making Apps?

Many people believe that you can’t make money by using free apps, but that isn’t true. There are several apps out there that pay real money for your time.

This article discusses some of the best money making apps of 2017 and how they can help you earn an extra income.

  1. Gigwalk

Gigwalk is another app that pays you to complete tasks in your area. 

You might be asked to do anything from taking a picture of a display in a store to checking product prices or counting inventory.

  1. Ibotta

Ibotta is an app that allows you to earn cashback on several other purchases. 

Once you sign up for the app, you’ll be asked to choose which stores you usually shop in and what products you typically buy.

Then, when you visit those stores, you have to take pictures of your receipts and scan bar codes on some products to get cashback on them.

1. Arrived Homes

Arrived Homes provides beautiful, affordable and sustainable alternative living solutions for homeowners and renters. 

We believe in beautiful design, but more importantly, we believe that the way our homes are built can change the world.

The construction industry is the most significant contributor to carbon emissions in Australia and the main reason why we can’t seem to get our emissions under control. 

Our homes have been designed to be delivered and installed in just a couple of days with minimal disruption to your life.

They are built with durable materials, and they are designed to be easy to maintain so you can spend your time doing what you love most instead of keeping a house. 

We believe that the way our homes are built can change the world.

Arrived Homes provides a new way of thinking about housing. 

We are not just a real estate brokerage; we are a community marketplace that gives you access to the knowledge and resources you need to make the best decisions.

No matter what stage you are in your search, our team of experts is here to help you understand your options and find the right home for you.

Arrived Homes Features

The Lake House, The Lake House, features an open loft-like floor plan with tons of natural light, hardwood floors, and large windows. 

The main level offers a spacious kitchen and dining area with a large common area overlooking the lake.


The upstairs offers a loft area for relaxing or reading and contains a full bathroom. This home is ideal for entertaining or relaxing in the evening while watching the sunset.

The Lake House also includes a High-speed internet (WiFi), Flat-screen TV with Roku Full kitchen with cooking tools, dishes and utensils, a bathroom with shower, sink and toilet (towels provided), and a Closet space for storage of clothes, luggage and shoes.

Arrived Homes Pros

Welcome to, web site owned and operated by Arrived Homes Pros, a Delaware Limited Liability Company (“Arrived Homes Pros,” “us,” “our,” or “we”).

This Terms of Service Agreement (this “Agreement”) sets forth the terms and conditions that apply to your use of this Web Site located at (the “Site”), including the content, functionality and services offered on or through the Site (the “Services”).

The Services are made available by Arrived Homes Pros. 

Please read this Agreement carefully before using the Site or any of the Services offered on or through the Site. 

By using or accessing the Site or any Services provided on or through the Site, you agree to be bound by the terms and conditions.

If you do not wish to be bound by this Agreement, you may not access or use the Site or any Services offered on or through the Site. 

Arrived Homes Pros provides a full range of services for all types of home repairs and renovations, as we and instruction. This includes:

  • Foundation repair Drainage 
  • Concrete work 
  • Basement waterproofing 
  • Structural repair 
  • Fences and decks.

2. Swagbucks

Click here to get a free $5 just for signing up! Swagbucks is one of the most popular sites that lets you earn rewards for doing things online. 

One of the best ways to make money on Swagbucks is by doing surveys, and you can search through their database of available surveys right on their homepage.

They’ll let you know how many points you can earn (and how long it will take) before you start. 

Another great way to increase your income on Swagbucks is with referral bonuses. 

Once you sign up, they’ll give you a free referral link that you can share with friends, family, and social media followers.

Every time someone signs up using your link and earns at least 2,500 SB points in their first 30 days as a member, you’ll earn 300 SB points yourself. 

You can make this bonus for up to 100 new members every year! Earn gift cards to answer surveys, watch videos, shop online, and more!

Swagbucks Features

Swagbucks is your ultimate rewards destination. Earn points for the things you do every day. 

Search with Swagbucks to earn SB and get rewarded with gift cards from Amazon, Target, Walmart, and Starbucks.

The best online shopping experience starts with Swagbucks. Earn cash back on every purchase with our award-winning Shopping app. 

Discover new videos and earn SB – simply watch videos right in your search results or through the Swagbucks App.

Answer simple surveys to earn SB and be entered into sweepstakes to win free prizes! Watch your favourite TV shows online while earning SB through the Swagbucks TV app.

Swagbucks Pros

I love Swagbucks. I have been using it for years, and it is my favourite way to make extra spending money.

For those of you who haven’t heard of Swagbucks, it is a site that rewards you with points (called SB) for things that you already do online. You can earn SB by:

  • Searching the web
  • Purchasing things online through their shopping portal
  • Watching videos
  • Answering surveys
  • Playing games
  • And more!

3. Survey Junkie

Survey Junkie is one of the most popular sites to take paid surveys for money. 

They have a solid reputation and payout, but it can take long before you start seeing substantial money from the site.

Survey Junkie is an online community with over 10 million members dedicated to making your voice heard. 

They provide users with an easy way to earn extra cash for sharing their opinions. 

Consumers like you and me take surveys in exchange for money or other rewards.

The company that owns Survey Junkie, Blue Media Ventures Inc., is based in San Diego, California. 

The company also operates other survey sites, including:

Paid Viewpoint Inbox Dollars VindaleResearchc Survey Junkie is an online community with over 10 million members dedicated to making your voice heard. Get paid to take online surveys for money.


Share your opinions and choose your rewards with a trusted name like Survey Junkie.

Survey Junkie Features

You’re probably wondering if Survey Junkie is a scam, and let me tell you: it’s not! I’ve been a member of Survey Junkie for years, and I’ve never had any issues with them. 

They’re one of the most trusted survey sites out there.

As long as you follow their rules and guidelines, you’ll have a great experience with Survey Junkie. 

Here are some pros of using Survey Junkie to make money online:

  1. Get paid instantly via Paypal/E-gift card
  2. Simple cash out process
  3. A wide range of surveys to choose from

Survey Junkie Pros

Survey Junkie Pros The biggest pro for Survey Junkie is that their surveys are relatively well-paid. 

The average survey pays about 50 cents in SB points, which you can convert to cash or gift cards.

This isn’t very much by itself, but if you take the time to complete all of the surveys you qualify for, you can make a decent amount of money. 

It’s also a lot more than most other survey sites pay.

Survey Junkie Pros: High-paying surveys (compared to other sites). 

It’s completely free to join. They h.ave more than 10 million members worldwide. 

You can earn points by referring friends. The site and app are easy to use

4. M1 Finance

M1 Finance is a commission-free Robo-advisor that allows you to invest in stocks and bonds. M1 Finance offers several highly customisable investment options, including the ability to create your portfolio tailored to your personal goals and risk tolerance.


How does M1 Finance work?

M1 Finance works by allowing you to choose from various investment portfolios based on your financial goals. 

M1 Finance then invests your money into the stock market based on your selected portfolio.

M1 Finance is unique in that it offers both prebuilt and custom investment portfolios, which are called pies. 

The prebuilt pies are created by experts and allow you to invest in various market sectors with a single click.

Custom pies let you choose individual stocks for your portfolio, which gives you more control over your investments and requires more knowledge about investing strategies. M1 Plus offers margin loans with rates as low as 4% and an annual fee of 0.25%. You can borrow up to 35% of the value of your portfolio (after accounting for any open margin positions).

M1 Finance Features

I’m a big fan of M1 Finance and wanted to share some of the benefits I see in their platform. M1 Finance Pros: 

  • No minimum balance, no trading fees, no commissions, no management fees 
  • Automatically invest your spare change from purchases (M1 Spend) or recurring investments (M1 Plus).
  • Target desired asset allocation with each purchase or investment
  • Ability to invest in fractional shares of stock and ETFs 
  • Unlimited customisation and flexibility (can invest in any number of specific stocks/ETFs) 
  • Ability to use pre-built “Pies” or create your customised Pie(s) with up to 100 stocks/ETFs,
  • Ability to quickly rebalance all Pies at the same time with a single click (or on a scheduled basis)
  • Ability to set up automatic dividend reinvestment for each security within a Pie 
  • Ability to set up automatic periodic withdrawals from Pies (e.g., build your taxable bond fund).
  • Free live customer support via chat & phone (during business hours).

M1 Finance Pros

M1 Finance Pros M1 Finance offers a unique combination of a brokerage and a Robo-advisor. 

You can trade individual stocks or ETFs or choose from dozens of pre-built portfolios that target various risk levels and goals. 

You must invest at least $100 to open an account, but you can make additional investments in any amount.


Easy to use investment platform Tiered pricing structure based on account balance Free DRIPs (dividend reinvestment plans) Cons: No tax-loss harvesting No direct indexing $125 inactivity fee after one year without trading

5. Acorns

Acorns is a popular investment app that rounds up your purchases to the nearest dollar and invests the difference in a diversified portfolio of index funds. 

It enables you to invest small amounts of money regularly over time and charges a monthly fee of $1 plus a 0.25% annual fee.

The platform offers several investment options, including Acorns Core, Acorns Later, and Acorns Spend. 

The core option provides essential portfolio investing, while Later helps you save for retirement, and spending has its checking account with cash-back rewards.

With the Acorns mobile app, you can save and invest your spare change. Just connect your credit or debit card to the app and start saving.

The app rounds up purchases to the nearest dollar and automatically invests the difference into a portfolio of low-cost ETFs. 


Acorns also let you set recurring investments to schedule regular transfers from your bank account into your investment account. 

Acorns Pros 

Acorns is arguably one of the most popular and well-known micro-investing apps. 

It makes investing accessible to nearly anyone by allowing you to support your spare change with every purchase you make.

You can also set up recurring investments automatically made daily, weekly, monthly, or on another schedule. 

You also can make one-time investments whenever you have extra money available to invest.

Here are some of the pros of using Acorns: Minimum investment amount of only $5 Free for college students Low account balance requirement (only $5) Automatic investment options

Acorns Pros

Acorns Pros is a new benefit for Acorns users that offers unlimited access to personal finance experts, including certified financial planners and CPAs, and free access to premium versions of popular financial apps. 

In addition to the benefits of Acorns Pro, customers who sign up by Nov.

Two will receive free access to the premium versions of third-party apps until June 2021. 

The app partners available through Acorns Pro include:

  • Elevate – A brain training app that helps users identify ways to save more money. Users can take a quiz for immediate feedback on saving more money and improving their credit scores.
  • They can also use the app’s personalised bank account analyser tool to identify any unnecessary bank fees they may be paying to find ways to reduce them. Haven Life – A life insurance company that allows customers to purchase term life insurance online without needing an exam or phone call from an agent.
  • Haven Life also has a policy checkup tool that allows customers to explore options for their life insurance needs from other providers. Credit Sesame – A credit monitoring app that tracks credit scores, identity theft protection and loan rates based on credit score. Credit Sesame also offers personalised suggestions on how users can improve

6. Wikibuy

Wikibuy is an online shopping assistant that uses crowdsourcing to give you the best deals and coupons available on the internet. 

The tool can be used to shop on Amazon and other top ecommerce websites.

Wikibuy also shows customer reviews while you shop. 

To start using Wikibuy, go to their website and click on “Try It Free.” You’ll be asked to download the Chrome extension, which will take about 15 seconds.

Once it’s downloaded, a green bar will appear at the top of your browser window if you’re shopping online. 

This bar will tell you if better deals or coupons are available from other vendors based on what you’re looking at. 

Wikibuy can connect with your Amazon account to apply the coupon automatically or refund the price difference if there is a better price elsewhere. 

When you visit Amazon using Wikibuy, it automatically searches for discounts and coupon codes for each item in your cart and applies them if it finds any.

You can see if there are any additional discounts when you look at your cart before checkout, so there won’t be any surprises.

Wikibuy Features

Wikibuy can help you buy the stuff you want for less money. We find coupons, deals and discounts from sites you love and stores you trust.

Wikibuy will compare prices, find the best deal, and apply coupons and promo codes to save you money on your purchase. 

You can also earn cashback on every purchase. Here are some of the features Wikibuy offers:

Coupons & Discounts Earn Cash Back Price Comparison Price History Wikibuy is a free browser extension that helps you save money shopping online. 

It verifies coupons, checks prices across retailers, tests for discounts,d the app automatically applies coupon codes checkout.

Wikibuy is the simplest way to save money on every purchase, whether shopping at home or abroad. With Wikibuy, you’ll never overpay.

Wikibuy Pros

Wikibuy Pros: It’s 100% free, so there’s no reason not to try it out. It works with hundreds of retailers, so you can use it to shop at many places. 

It automatically finds and applies promo codes at checkout. 

The Wikibuy browser extension also checks prices while you shop and alerts you when better deals are available elsewhere.

It will even make a coupon code appear as if by magic if there’s a better deal elsewhere that doesn’t involve coupons or promo codes.

  • Wikibuy finds the lowest prices on the web for you
  • Wikibuy locates and applies coupons for you
  • Wikibuy finds cashback and rewards offer for you

7. Airbnb

Airbnb (pronounced /ˈɛərbiːɛnbiː/ AIR-bee-ehn-bee and stylised as Airbnb) is an American vacation rental online marketplace company based in San Francisco, California, United States. 

The company lists over 2,000,000 vacation rentals in 81,000 cities and 191 countries.

Guests pay fees to book through the site, which charges hosts a 3% service fee to cover the cost of processing payments. 

Hosts must depend on their location, hosts a 6% to 12% host fee, depending on the name, comes from air mattress B&Bs.

Its founders initially branded it AirBed & Breakfast, shortened to Airbnb. The company received initial funding of $20,000 from Y Combinator’s first class.

In February 2011, Airbnb announced the millionth night booked.  

In January 2012, the company raised $112 million in funding led by Greylock Partners and Sequoia Capital, with participation from Andreesen Horowitz and General Catalyst Partners and announced that out of 700,000 nights booked since its inception, 80% had occurred.

Airbnb Features

Airbnb Pros

Pros of Airbnb for guests include:

  • A large variety of locations and accommodations. Use the advanced search tool to find places that fit your needs in the cities you want to visit.
  • Easy booking and payment process. You don’t have to worry about having enough cash on hand when you check out as you would at a hotel.
  • Booking online is also easier than arranging in-person payment or making reservations over the phone. 
  • Many listings are usually available, even on short notice, especially in big cities like New York City, London, and Paris. 
  • You can communicate directly with hosts, which is helpful if you have questions about logistics or need assistance during your stay.

Airbnb Pros

Airbnb Pros:

  • $1,000,000 Host Guarantee is the best industry. 
  • Low Service Fees and No Membership or Listing Fees 
  • Free to set your cancellation policy.
  • Free to set your cleaning fees.
  • Set your min/max night stay to limits.
  • You can choose to offer Instant Book or not. 
  • You can choose to offer Last Minute Booking or not.

An Airbnb property management system connects the listing of your properties and the software. This software allows you to organize your properties in a centralized dashboard, so you can manage them from one place when you have multiple listings and your rentals are on several vacation rental sites.

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8. Turo

Turo is a peer-to-peer car rental company that allows private car owners to rent out their vehicles via an online and mobile interface. 

It is a car rental marketplace where travellers can rent any car they want, wherever they want it, from a nationwide community of local car owners.

Turo empowers travellers to choose the perfect ride for their trip — whether a Prius for city travel or a Ford F-150 pickup truck for a weekend at the lake. 

Turo was founded on the idea that sharing economy technologies have the power to make the world a better place and improve people’s lives by allowing them to earn money and pursue personal passions through peer-to-peer commerce.

The company has expanded across North America and Europe, serving more than 300,000 guests on three continents each month. 

Turo is headquartered in San Francisco and has offices in Boston, Toronto, Portland and London.

Turo is a car rental marketplace where travellers can rent any car they want, wherever they want it, from a community of local car owners throughout the US. 

Turo empowers people to unlock the actual value of their cars and create a fantastic experience for customers who book them.

Turo Features

Turo is the world’s largest peer-to-peer car sharing marketplace where you can book any car you want, wherever you want it, from a vibrant community of trusted hosts across the US, Canada, the UK, and Germany.

How does Turo work? 1 . Search for a car 

  1. Book instantly or submit a request to the owner 
  2. Pick up your car from an approved Turo host. 

Turo pros: 

You can rent a car that you don’t otherwise have access to.

Say you need something with a lot of cargo space or a convertible or an SUV. 

The process is straightforward and convenient.

  •  You get to pick the car up and drop it off at your convenience. 
  • There are no set time windows or waiting around for buses to take you to the rental facility or standing in long lines and having to wait for your car to get cleaned up.
  • You usually get better customer service since the owner wants you to have a good experience, so you’ll come back and rent from them again, and also because they want a good review from you on Turo, others will be inclined to rent from them as well.
  • The cars are generally nicer than rental cars, though there are exceptions. 
  • Turo is insurance agnostic, meaning that if you’re renting your car out, it doesn’t matter whose insurance covers the renter’s liability as long as someone does (usually either the renter’s pers policy or the lienholder’s policy).
  • This is a significant advantage over Hyrecar in particular, which requires that your auto policy provide liability coverage for renters even though most policies will not do so

9. Robinhood

Robinhood is democratising our financial system. With customers at the heart of our decisions, Robinhood lowers barriers, removes fees, and provides greater access to financial information.

We provide services that help create a financial system everyone can participate in. Just as we focus on our customers, we strive to create an inclusive environment where our employees can thrive and do impactful work.

We are proud of the world-class products and company culture we continue to build and have been recognised as A Great Place to Work; A CNBC Disruptor 50 in 2019 and 2020, A LinkedIn Top Startup in 2017, 2018, 2019 and 2020Robinhood is backed by leading investors that include DST Global, Index Ventures, NEA, Ribbit Capital, Thrive Capital, and Sequoia.

Robinhood is shaking up the brokerage industry thanks to its mobile app that allows traders to buy and sell stocks without fees. As of April 2019, they have over 6 million users.

Recent news from Robinhood prompts a question worth asking: Will the no-fee trading model work? Can a startup compete with the likes of Charles Schwab and Vanguard? Has Robinhood finally changed the game for individual investors?

Robinhood Features

Robinhood is a fast-growing stock trading app that’s become wildly popular for its no-fee trading, which appeals to millennials. The company has been around since 2013 and now has more than 5 million users.

The promise of zero fees is enticing — but other features make Robinhood worth using. Buy and sell U.S. stocks, ETFs, and options.

No commission stock trading for U.S.-listed securities. Instant deposits up to $1,000. 

Fractional shares are available for as little as $1. Real-time market data and quotes. 24/7 customer support.

Streamlined account management and navigation.

Robinhood Pros

Robinhood Pros

  1. No fees Robinhood does not charge any fees for its investment services, including stock and ETF trades. It is a massive draw for many people. One-click buying and selling Robinhood offers a super-simple mobile app that makes it easy to buy stocks or ETFs with one click.
  2. It also helps you sell with one click when you’re ready to cash out. The simplicity of the app is its most significant advantage. 
  3. Learning materials Robinhood provides educational materials on its website, ranging from basic information about stock trading to individual stocks, through a partnership with Morningstar.
  4. Robinhood also provides lists of “most popular” stocks and ETFs, which can help newer traders understand what other people are focusing on.

10. MyPoints

MyPoints is a great way to get paid for doing everything you usually do online. 

From shopping, surfing the web, to completing surveys, MyPoints has it all. You can even earn points for watching videos.

It’s similar to Swagbucks in that you can earn points for many different activities and redeem them for gift cards or PayPal cash. 

They also run regular sweepstakes where you can win vacations and other prizes.

The best part of MyPoints is that they have a $10 welcome bonus just for signing up! 

MyPoints works by paying users to watch videos, take surveys, shop online and more. And users have been doing it for years — the company was founded in 1996! is an online loyalty program that rewards members for shopping with hundreds of retailers and engaging with other activities on their website. 

You can earn points by taking surveys, playing games, watching videos, and shopping online.

In addition to earning points for shopping, members can earn points through various activities on the website, including Taking paid surveys, watching videos, playing games, and reading emails. 

Completing offers MyPoints Features.

The MyPoints program is one of the largest and oldest rewards programs. It offers various earning options, including Paid surveys, Shopping rebates, Cashback on credit card purchases, Free trial offers, watching videos online, and reading emails.

I was playing online games and Referring friends.

MyPoints Pros

MyPoints rewards program gives you points for shopping at participating retailers using a website, mobile app, or browser extension. 

It may be best for those who shop online regularly and want to earn more points towards gift cards and travel without changing how they shop.

You can also earn bonus points by taking surveys or watching videos. 

The MyPoints mobile app offers a quick way to earn extra points while on the go. 

If you install the MyPoints browser extension, you’ll be notified when you visit an eligible retailer’s website so you can activate cashback and start earning points.

MyPoints Pros Shop from more than 1,900 retailers through MyPoints Earns bonus points in several ways beyond shopping. 

Redeem for gift cards for some of your favourite brand’s In-store cashback deals are available through the MyPoints app MyPoints Con Gift card redemption starts at $5 for most retailers (1,250 points).

Some users report issues with cashback tracks. You need at least $25 in rewards to redeem for PayPal cash

11. Earny

We’re thrilled to announce that Google Ventures has led a $1.5 million seed round in Earny, an app that protects consumers against price drops on purchases made online. 

Early saves you money by tracking your online purchases and automatically requesting refunds when prices drop.

We also invest in other companies that help consumers save money, like NerdWallet, Credit Karma and Trim. 

We’ve been working with the Earny team for months now on our intensive GV Sprint program.

The Earny team has taken advantage of our product design resources, user testing capabilities and network of advisors to build a beautiful product that’s seen rapid adoption by consumers.

Early users have saved $250,000 with their price protection requests and earned more than 500 five-star reviews in the iTunes App Store alone in the last two months.

The Earny team is one of the most impressive we’ve ever worked with — they are relentlessly focused on building a great product and making sure every customer is happy. 

They are off to a fantastic start, but there’s still work to be done: The founders will be putting their full-time focus into building out their California-based team to continue developing the app and delivering.

Early Features

I’m an Earny user. I’ve been using Earny for a few weeks now, and I love it! I just got my first refund from Southwest Airlines, $370. 

The best thing about it is that it’s free if you use my referral link to sign up.

If you don’t have the app, just go to and get the best refund app.

Early Pros

Earny is a mobile app that tracks the prices of items you have purchased and then files price adjustment claims for you when it finds a lower price on the same thing. 

The company makes its money by taking 25% of your refund amount as a commission.

Early Pros: 

  • Price tracking on autopilot 
  • No need to check prices manually 
  • Earny automatically does price matching
  • Refunds are sent directly to your credit card account. You don’t need to request a refund from the retailer and wait for them to process it.

12. Worthy Bonds

With Worthy Bonds, you get to invest your money in a new investment vehicle: American small businesses. 

With bonds starting at $10, the minimum is even smaller than most stock trading platforms offer.

But the real benefit is low risk: most bonds are rated AA or better. 

When it comes time to sell your bonds, you’ll do so at face value and receive a fixed 5% interest rate (paid out in Bitcoin). 

Worthy Bonds are offered by Worthy Financial, which makes small loans to businesses through its platform.

The loans are secured by assets — such as inventory or equipment — and have competitive interest rates. 

By buying Worthy Bonds, you invest in those loans and receive a higher return than typically offered by a savings account or CD, but less risk than the stock market.

The company recently expanded its bond offerings to include retail investors. Previously, only institutional investors could participate in this type of financing for American businesses. 

Beyond receiving a fixed 5% interest rate, there are other benefits of Worthy Bonds.

You can quickly build a bond portfolio, even if you don’t have much capital to start with — bonds begin at just $10 each.

Worthy Bonds Features

Worthy Bonds, a zero-commission investment platform, is on a mission to help people earn 5% interest on their liquid assets. 

But first, there are some terms to know. Investment minimum: Most bonds have a minimum investment of $10, meaning you can’t invest in fewer than $10 worth of bonds.

However, you can buy multiple bonds as long as the total is at least $10. Face value: 

The total amount of money you invested into your adhesive. Interest rate: This is the percentage of your bond paid out annually for each year you own it.

Each bond will have its interest rate, which pays out annually until the bond matures. The interest rate is fixed so it won’t change during the bond’s lifetime. Interest rates are higher for less traditional investments and lower for more traditional ones (for example, corporate bonds).

Bond maturity date: This is when your bond will expire, and you will receive your principal back (your original investment).  

The maturity date ranges from 6 months to 5 years. Longer maturity dates mean higher interest rates, and shorter maturity dates mean lower interest rates.

Worthy Bonds Pros

  • Your Worthy Bond is issued in your name, so it’s FDIC-insured without being tied to an investment account. The minimum investment is only $10. So you can invest smaller amounts more frequently.
  • The interest rate is 5% for 36 months. No additional fees or commissions are charged.
  • No compounding interest – you receive the total amount of your interest at maturity. You can withdraw your money at any time – but if you do, you forfeit the claim due on your Worthy Bonds at that time.

13. Google Opinion Rewards

Google Opinion Rewards is a rewards-based program developed by Google. 

The application allows users to take targeted and relevant surveys in exchange for Google Play credits.

The application is available on Android devices and downloaded from the Google Play Store. It can also be accessed via a desktop computer.

History The app was announced on May 10, 2013, and after a beta period, it was officially released on October 23, 2013. 

Rewards Google Opinion Rewards surveys are relatively short, with most taking under 30 seconds to complete.

Surveys will become available daily, but the time between each study will vary. 

Rewards are typically credited within 24 hours of answering a survey. 

In some cases, it may take up to 48 hours for prizes to be available in the destination account.[citation needed]

The number of surveys offered by Google Opinion Rewards is not consistent; it varies based on the information the company needs. 

Thus, users cannot rely on this app as a constant source of income.

In exchange for completing surveys, users earn Google Play Store credit. 

The value of each completed survey ranges from 0.1 USD to 1 USD,[3] and it has been reported that individual surveys can be worth

Google Opinion Rewards Features

Google Opinion Rewards is a free app developed by Google. Users of Google Opinion Rewards can complete surveys and earn rewards, which can be redeemed for things like Google Play credits or cash through PayPal.

Google Opinion Rewards Features: Free to download, Earn Google Play credits, Answer surveys, and earn rewards! Available in the US and select countries

Google Opinion Rewards Pros

The Pros of Google Opinion Rewards: You will be asked to respond to surveys and questionnaires with the Google Play Store. 

These surveys should take no more than a few minutes to complete.

The app is free and won’t require any kind of registration. You can collect rewards from your Android device and your iOS device. 

It’s a great way to earn extra money for your Google Play balance.

You can redeem the rewards for buying apps, games, TV shows, films, music, books and magazines on the Google Play Store. 

The Cons of Google Opinion Rewards: You will need a PayPal account to get the money you’ve earned.

14. Dosh

Dosh is a fast-growing Austin-based startup that’s on a mission to empower people to live better lives through money-saving apps. 

With millions of users, the Dosh app makes it easy to year cashback on everyday purchases when you shop, dine, travel and more at over 100,000 participating local and national merchants.

We’re seeking an experienced technical writer to help us make our product documentation more accessible and user-friendly. 

The ideal candidate will have prior experience with SaaS or web applications and be comfortable writing in Markdown.

This position is remote, part-time (approx. 5 hours/week), with a flexible schedule. Dosh is a free cashback app that finds coupons and deals, automatically applies discounts when shopping online or in-store and gives you cashback.

What’s excellent about Dosh? It’s free to sign up, and you don’t have to do anything except linking your credit card. 

You can earn cashback with thousands of merchants, including Walmart, Target, Amazon, Macy’s, Sephora, Best Buy, and many more! All cashback happens automatically — no codes or linkages are required.

Cash will be automatically deposited into your Dosh Wallet within 48 hours. There’s a $5 minimum withdrawal amount to get paid via direct deposit or PayPal.

Dosh Features

Dosh is the free cash back app that finds you money for shopping, dining out, and booking hotels and travel activities with more than 100,000 merchants and brands nationwide. 

Start getting paid for doing the things you already do.


  1. Connect your VISA, MasterCard or Discover card to Dosh and spend as usual. 
  2. Get automatic cash back on qualifying purchases made with your connected credit or debit card at participating local and national merchants.
  3. Withdraw earnings via PayPal or donate to any US-based 501(c)(3) nonprofit organisation!

Dosh Pros

Dosh Pros Pro Businesses Affiliate Partners Investors Careers Blog Help Center Sign In getting Started Free Download the Dosh App for Cash Back on the Things You Buy Every Day.

 It’s 100% free to join and use Dosh. There are no fees or minimums, ever. Just add your card and get cashback. Add Your Card Now & Start Earning Cash Back Today!

15. StepBet

StepBet is a fitness game that motivates you to be more active. You earn money for every step when you hit your personalised step goal when you join a game. 

If you reach your goal each day during the game weeks, you split the pot with other winners!

When do I get paid? You pay to join a game and then sweat to win your bet back (plus more!). You can start winning money as soon as the first week of the game.

StepBet pays out all winnings every week. You can see your current balance by tapping the arrow next to StepBet in the menu at the bottom of your screen. 

Once you reach $20 in winnings, your credit will turn green, and you can cash out at any time by tapping Cash Out! The money will go into your PayPal account within one business day.

StepBet is a fitness game that helps you reach your health goals by making exercise more fun, social, and rewarding. Download the app for free to get started.

StepBet Features

The StepBet app has various features to help you stay motivated and track your progress. Game Reminders Want to be sure you don’t miss a day? 

Set up daily reminders from the App Settings screen in the menu at the top left corner of the screen.

You can choose to receive reminders at your specified wake-up tie or choose from other times throughout the day. 

Reminders are sent by email and text message, so check your phone and email settings to make sure you’re receiving them.

The Game Progress Screen,The game progress screen, is where you’ll see all vital game information, including: 

How many days you have left in the game, Your current streak (how many days in a row you’ve completed),

How many more steps do you need to hit your target step count for the day (if applicable), Steps completed so far for the day, as well as what percentage of your step goal you have already achieved, and Your current winnings ($$$) if you’re currently winning.

StepBet Pros

There are several StepBet Pros!

  • You don’t have to pay a monthly fee or buy a specific device to participate. StepBet can be used in conjunction with most fitness trackers, so you can still use your favourite instrument for logging your steps.
  • StepBet is an excellent way to get rewarded (and even make some money!) for that healthy habit if you’re already tracking your daily steps. StepBet can be used in conjunction with other fitness apps like MyFitnessPal so that you can add another layer of fun and motivation to your fitness routine.

16. Ibotta

Ibotta is a free mobile app that gives consumers a new way to earn money when they shop. 

The company partners with leading brands and retailers to offer real cashback on groceries, travel, electronics, clothing, gifts, home and office supplies, and dining out.

Since 2012, Ibotta (“I bought a…”) has delivered more than $600 million in cumulative cash rewards to its Savers. 

The company’s mobile shopping platform has more than 30 million downloads and is one of the most frequently used shopping apps in the United States.

As part of its commitment to being the world’s best consumer savings brand, Ibotta is proud to have saved its customers more than $500 million in 2018 alone. 

Ibotta was named to Forbes’ Next Billion-Dollar Startups 2016 list and featured by TechCrunch, The Wall Street Journal, USA Today and Good Morning America.

It also made Fortune’s 50 Best Workplaces for Innovators list in 2019 and was named twice as one of Consumer Reports’ top 100 companies making a difference for consumers. 

Based in Denver, Colorado, Ibotta (“I bought a…”) operates across the United States with offices in New York City; Chicago; San Francisco; Long Island City;

Since its launch in 2012, Ibotta (“I bought a…”) has delivered more than $500 million in cumulative cash rewards to its Savers. 

The app has more than 25 million downloads and is one of the most frequently used shopping apps in the United States.

Guaranteed Cash Back: We’re confident you’ll save with Ibotta; we’ll pay you if your receipt doesn’t match our records. 

We’ll even sweeten the deal with a bonus! (See Terms). Find Cash Back Offers Faster. With just a few taps in our redesigned Rebates feed, you can find new ways to save on the products you love. 

You may even discover new favourites!

Get Rewarded for Trying New Products Look for Try & Save offers that give you cashback on new or first-time purchases. 

It’s like getting paid to try something new!

Ibotta Pros


  1. Ibotta is free to use and available for both iOS and Android devices. It’s available at over 300 retailers, including many grocery stores and big-box retailers like Walmart and Target.
  2. The payouts are pretty good — you can easily earn $10 per month without much effort. The signup bonus is generous — $10 just for signing up and scanning your first receipt.
  3. You can also earn money by referring your friends (they’ll get the $10 signup bonus).

17. Mistplay

Most play is a mobile gaming app that pays you to play. If you’re looking for an app that will pay you to try out new games, Mistplay may be right for you.

The Mistplay App was created in Canada by “The Unicorn Factory” (the building that houses their headquarters) and is available for Android users only. 

The company has offices worldwide, including the United States and France, but its app is currently only available in Canada and the United States on Android devices.

You can earn money with Mistplay by playing free video games on your phone. 

The more you play, the more units you can make, which can be redeemed for gift cards from Amazon, Uber, and more Mistplay is an entirely free app to install and use, offering you the opportunity to earn gift cards while playing new games, level up in your favourite games and get rewarded for each of your achievements.

All gifts are guaranteed to work. We offer a replacement on all damaged and non-working products within 30 days of receipt.

New Rewards: New rewards are added each week to keep earning!

Mistplay Features

We are introducing the new Mistplay. We’ve updated our interface and added some great new features. 

  • The new Chat is easier to use and much more fun. Connect with friends, find a clan, or chat with the Mistplay community!
  • The new Reward Store makes it easier to get Gift Cards of your choice. Pick your gift card, choose the amount you want, and redeem it straight from your phone! 
  • Access the new Mistplay Help Center right from the app. You can even chat with one of our agents in real-time!

Mistplay Pros

Mistplay Pros Mistplay is a fantastic app for earning money by playing games. Mistplay has both Android and iOS versions. With its many features, you can make money in no time! Here are some pros to using Mistplay.

  1. You can play it anywhere. Since the app is supported on Android and iOS devices, you can play anywhere you want as long as you have an internet connection. 

You aren’t confined to staying at home. This means you can use your phone while waiting for the bus, travelling somewhere, or eating out.

  1. It is easy to use. Making an account on Mistplay is a breeze to do. Just input your email address, create a username and password, and voila! You have an account! Once you’re on the app, many options for games suit your interest.
  2. If you don’t know what games to play, there is also a section for new games recommended for you based on your previous gameplay. If you want variety in the games you play, this feature would be helpful for you.
  3. There are many game genres available. Many games are available in Mistplay, such as strategy games, puzzle games, card games, and board games.

18. HealthyWage

HealthyWage is a great way to make extra money and get in shape simultaneously. The site offers many competitions, including individual and team challenges that can help you lose weight and quit smoking.

How HealthyWage Works The basic idea behind HealthyWage is that you bet money on your ability to reach specific health goals, such as losing 10% of your body weight over six months. 

If you get the plan, you win back your money — and then some!

You can bet from $20 to $999 per month (depending on the challenge), but the more you bet, the more you stand to win. 

You should only enter a challenge if you think it’s something you can accomplish. If not, then it’s not worth risking your cash!

HealthyWage Incentives There are two types of HealthyWage challenges: individual and team. Each has different incentives.

 Here’s how they work: Individual Challenges: You compete with other individuals who have similar goals in this challenge.

For example, one competition might pit 20 people against each other to see who can lose the most weight within a specific time frame. Or there might be

HealthyWage Features

  1. Prize Calculator. The HealthyWage prize calculator allows you to try out different prize amounts and weight loss goals!
  2. Weight Loss Challenges. We offer a variety of cash-based challenges and programs that help people lose weight.
  3. Workplace and Corporate Programs. We offer cash-based, result-oriented programs for employers interested in helping their employees lose weight and get healthy.
  4. New. Social DietBet. Join a group of friends, family or co-workers to lose weight together!

HealthyWage Pros

HealthyWage Pros:

  • The HealthyWage Prize Calculator is a fun tool that lets you choose your weight loss prize amount, how much weight you want to lose and how long you’ll need to do it. They make it easy to visualise exactly what you can win.
  • HealthyWage offers much support to help you be more successful in losing weight. They have several challenges with cash prizes, and there are plenty of tips and tools to help you succeed.
  • You get to choose your own weight loss goal and timeline. You’re not forced into something that doesn’t work for you.
  • If your team wins the HealthyWage team challenge, everyone splits the prize. Your teammates will help keep you accountable and motivated, so the odds are high that you’ll succeed.
  • If you don’t win a cash prize, HealthyWage will refund your money if they can verify that you’ve met the requirements of their program.

Money Making Apps – Frequently Asked Questions

There are several ways that a money-making app can pay you for using it. Some of the more popular methods include Gift Cards – Many apps will reward you with gift cards for companies like Amazon when you earn enough points or credits.

  • PayPal Payments 

PayPal is one of the most popular payment platforms out there, and many survey sites use it as one of their rewards options. 

  • Check Payments 

Some companies will send you a check in the mail when you have earned enough in your account.

When it comes to making money from your phone, a few apps stand out for their ease of use and reliability. 

While dozens of apps promise to make you money, we have researched the best apps that have stood the test of time.

We’ve compiled a list of frequently asked questions to help you learn more about how these free money applications work. 

Check out our recommended apps below if you’re ready to earn some free cash and gift cards!

Are money making apps a scam?

You’ve probably already seen the ads on Facebook and Instagram – “Make $500 a month by just taking surveys!” or “Earn $100 per day just by clicking a button!” 

It seems too good to be true, right? Well, unfortunately, it is. These apps aren’t it if you’re looking for a get-rich-quick scheme.

They won’t make you rich overnight – they might not even make you rich at all. 

But they can help you make some extra money in your spare time. How do money-making apps work? You can think of money-making apps as rewards apps.

The premise is simple: perform tasks like taking surveys and playing games for rewards points. 

Once your account has enough points, you can redeem them for gift cards or cash. 

And if you’re lucky enough to find one that works, you can earn a little extra money with it without too much hassle.

The problem with most of these apps is that they are scams. There are so many money-making apps out there that simply don’t do what they say they will do – in fact, many of them won’t let you redeem your

Do money making apps pay through a direct deposit?

If you’re new to money-making apps, you may wonder how you can be paid through a direct deposit. 

Direct deposits are one of the most common ways that apps pay you. 

If this is your first time dealing with direct deposits, here’s a quick rundown of how they work and where to find them:

How Do Direct Deposits Work? Direct deposits are transactions that occur electronically between a bank account and an app. When you set up a direct deposit with an app, they will send your earnings directly to your bank account using your information. This process occurs once per month, so you will have to set up a recurring transaction if you want to receive your earnings more often than that.

Direct deposits are generally only offered by large companies such as Google or Apple. 

These companies typically pay their employees through direct deposits because it is more convenient than writing checks each month. 

In addition, many small businesses also offer natural deposit options for their employees because it saves them time and money on paperwork associated with writing checks.

Can I Be Paid Through A Direct Deposit? The short answer is yes, but there are some exceptions. 

Most apps that pay users don’t offer direct deposit payments because they aren’t big enough companies toAre Lyft and Uber an excellent way to make money through an app?

Yes, You can make money through ride-sharing apps. You can easily make money with Uber or Lyft by driving passengers where they need to go. 

These companies have apps that let you sign up and earn money quickly.

You can make a good amount of money as an Uber or Lyft driver. 

It will not replace your full-time job, but you can use it to come up with extra cash for bills, rent, and other needs. Be an Uber Driver:

Sign up for Uber on the company’s website. Give them your name, email address, and phone number, and create a password for your account. 

Enter the promo code to get some free rides when you sign up!

You’ll need a four-door car that is 2001 or newer. If you don’t have a car, you can still be a driver by renting one from Getaround or HyreCar if your city supports it. 

Provide your driver’s license information, insurance details and bank account information so Uber can pay you each week.

Once you’re approved to drive with Uber, download the app and search for rides in your area. You get paid every time you.

What are the benefits of using money making apps?

There are plenty of ways to make money on your phone, from cashback offers to rewards on purchases. 

You may have heard about cashback apps or apps that reward you for making a purchase. 

These apps can be helpful if you use them correctly. However, they only save you money if you spend it, so be careful of overspending.

There are three main benefits to using money making apps: 

  1. You can earn cashback on purchases if you shop with a connected card 2. You can earn rewards for completing other tasks like shopping online or watching videos 
  2. You can redeem your points for gift cards.

There are plenty of ways to earn an extra income, but not many can be accomplished using just a smartphone. 

Money making apps are one way to make an extra (or your primary) income from the comfort of your home, but you’d be surprised at how many people aren’t taking advantage of the opportunity.

Those who use money-making apps earn hundreds, sometimes thousands of pounds per month. 

We reveal the best money making apps that can help you start earning some serious cash.

Best Money Making Apps: Wrapping Up

We all have time, so why not get paid while doing it? I hope that you found this list of apps to be helpful! If you are looking for more information about making money, check out the guides below.

Best Money Making Apps: Wrapping Up – Here is a list of the best money making apps you can use to make money on your phone. Earn Extra Money Online: 11 Top Side Hustles – Here are 11 top side hustles that can earn you extra cash in your spare time.

How Much Can You Make With Swagbucks? (Earn Up To $2,000/Month) Swagbucks is an easy way to get paid for watching videos, taking surveys, and shopping. 

We’ve just covered the best money making apps in detail. While some of these apps require a little hustle, others are as easy as walking into a store.

Which ones are you most excited to try? 

Which one of these apps has been your favourite and most fruitful so far? Let us know in the comments below!