January 17, 2020

Best Money Making Apps

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Making money with your phone sounds ridiculous, but it's possible. You can earn money for shopping, working out and other activities you're already doing. Here's a list of our top money making apps.

Whether it be through a second job, passive income, or cutting back on spending, everyone is looking to save some extra cash. Now there are even apps that let you make money. These apps won't make you rich, but every penny adds up.

Top Money Making Apps for Cashback

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Cashback apps can replace your typical coupons and store reward cards. You can use them to accumulate points or cash for your in-person or online purchases.

And you won't have to print coupons or track sales. Use your phone's camera to easily earn cashback on everyday or even occasional purchases.

Rakuten (Formerly Ebates)

Signing up for Rakuten only takes a few seconds, then you can access to deals at more than 2,500 online stores. You don't have to worry about points, coupons, or forms.

As long as you follow the links within Rakuten, you'll automatically earn the posted cash back for your purchase. The cashback comes via check or PayPal payment every quarter.

How To Get Started

  • Download the Rakuten app.
  • Shop by category, store, or promo.
  • Follow the link through Rakuten and complete your order.
  • Your Rakuten account is credited upon completion of the order.


  • $10 bonus just for signing up
  • A+ rating with the Better Business Bureau
  • No fees to join
  • Rakuten points offers coupons on purchases to further your savings

You can earn $25 when referring friends to Rakuten.


  • No easy cashout option, must wait for quarterly payment
  • $5 in your account to get paid
  • Some deals are category specific, not storewide.


Ibotta rewards you for shopping in-store or online. With more than 300 retailers, you can save at your favorite stores.

There are no points to track. You earn real cash for every qualified purchase. You can withdraw your earnings once you earn $20.

How To Get Started

  • Download the Ibotta app.
  • Choose offers from your favorite stores and/or products.
  • Buy the products in-store or follow the links via the Ibotta app to shop online.
  • Upload your receipts.
  • Earn cash back or request a gift card from your favorite retailers/restaurants.


  • Easy to make money without clipping coupons or counting points
  • Account updates within 24 hours of a qualifying purchase
  • No fees
  • Bonus discounts or special ways to earn money
  • Link loyalty cards from some stores to track purchases instead of uploading your receipts


  • Have to add offers to account before you shop
  • Tedious process to upload receipts
  • At least $20 in your account to cash out. Some gift cards require a minimum of $25.


Dosh revolutionized the 'cashback' process. Rather than requiring uploaded receipts, you link your debit or credit card directly to the Dosh app.

Every time you shop at a participating store or restaurant with your linked card, you'll automatically earn cashback. There's no effort required on your part.

How To Get Started

  • Download the Dosh app.
  • Link your debit or credit card.
  • Shop at your favorite stores and restaurants as you normally do.
  • Earn cash back from eligible stores.
  • Redeem the cash into your bank account, via PayPal, Venmo, or donate to charity once you have a $25 balance.


  • Advanced, bank-level security to keep your credit card information safe
  • Earn $5 for every referral that links a debit or credit card
  • No searching for offers, clip coupons, or upload receipts
  • Donate your earnings directly to charity
  • Earn cash back on hotel stays if you book directly through the Dosh app


  • Some payouts take up to 90 days
  • Have to connect your credit card or bank account
  • Not all retailers participate

Best Money Making App for Fitness

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It pays to exercise, literally. Today, several apps pay you to stay healthy. You do the work, like walking steps, and the apps reward you. Not only will your health pay off, but you will have a thicker pocketbook, too.


Sweatcoin wants healthier people on the planet, which is why they started the app. The platform converts your steps into coins. You can spend the coins on merchandise from Sweatcoin's partners.

How To Get Started

  • Download the Sweatcoin app on your smartphone.
  • Let the app run in the background to track your steps.
  • You earn .95 sweatcoins for every 1,000 steps.
  • Turn your sweatcoins into prizes in the Sweatcoin store.


  • Earn prizes as incentive to get out and walk
  • Add friends and family to your Sweatcoin to add a little competition
  • Eearn bonus Sweatcoins by watching videos
  • Track your steps using your Apple Watch
  • Share Sweatcoins with family members


  • Limit on the number of Sweatcoins you can earn a day and month
  • Prizes limited and typically fitness related
  • Only outdoor steps count

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


Achievement rewards you for a variety of fitness activities including walking and meditating. The app also rewards points for answering questions about your health, tracking your heart rate and keeping a food log.

Achievement syncs with fitness apps you already use to earn points that can be turned into cash. Every 10,000 points equals $10. You can redeem the cash reward or send it to charity.

How To Get Started

  • Download the Achievement app.
  • Sync your fitness apps, such as Fitbit, Apple Health, or Google Fit.
  • Complete the in-app surveys.
  • Start earning points.
  • Redeem your rewards via PayPal.


  • Earn points for any type of exercise inside or outside
  • Control which apps to sync—the more apps you choose, the more points you earn
  • Free to download and use
  • Syncs with more than 20 fitness apps
  • Bonus points opportunities


  • Achievement shares your private information partners with market research partners
  • Manually entered fitness data may not earn points
  • First $10 reward can take awhile

The Top Apps Achievement Links To
  • Apple Health
  • Daily Mile
  • Fitbit
  • Garmin
  • MapyMyrun
  • MyFitnessPal
  • RunKeeper
  • Samsung Health
  • Qardio
  • Twitter


Earning money for being healthy seems too good to be true, but Lympo makes it possible. Lympo pays you for daily healthy habits. The platform provides the tasks—if you complete them, you get paid.

How To Get Started

  • Download the Lympo app.
  • Complete the challenges presented to you.
  • Earn LYM tokens that you can spend in the Lympo Marketplace for things like gift cards and fitness products.


  • Completely free to use
  • Earning tokens to 'buy' products can be motivating
  • Receive tokens for indoor and outdoor activities
  • New challenges every day, which helps you broaden your horizons toward fitness
  • Friends and family can join in the fun


  • No cash, only prizes
  • Must let app access your tracking apps, such as Apple Health
  • You'll receive notifications if you aren't active

Best Money Making App for Shopping

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Most people have to cut back on shopping to save money. But these apps let you make cash when you shop. Keep reading to learn how.


ShopKick rewards your shopping habits with gift cards. You shop in-store or online and earn 'kicks' or points.

Turn your 'kicks' into gift cards from major stores and restaurants including Target, Amazon, Starbucks, and Groupon. ShopKick offers 'kicks' for a variety of tasks including shopping, walking into stores, scanning certain products, and watching videos.

How To Get Started

  • Download the ShopKick app.
  • Choose task like walking into stores, scanning products, uploading receipts, or purchasing with linked credit card and specified stores.
  • If you shop online, visit the stores through your ShopKick app to earn 'kicks.'
  • Watch in-app videos to earn even more 'kicks.'
  • Redeem your 'kicks' for digital gift cards.


  • No fees
  • Get gift cards instantly once you redeem 'kicks
  • Option not to share your personal information
  • User friendly app
  • Earn 'kicks' in a variety of ways, making your points add up faster


  • Need to have your phone's GPS on to get 'kicks' for walking into certain stores
  • Must either upload receipts or link your credit/debit card to your ShopKick account to get credited
  • No cash rewards, only gift cards


MyPoints offers up to 40% back on your purchases through partners. Shop at top stores, such as Home Depot, Target, and Macy's and earn points for your purchases. You redeem your points for gift cards or transfer the funds to your PayPal account.

How To Get Started

  • Download the MyPoints app.
  • Shop at the almost 2,000 stores through MyPoints.
  • Take advantage of other ways to earn points (see below).
  • Redeem your points for gift cards, cash via PayPal or travel miles.


  • Earn cash instantly—no waiting periods.
  • Redeem rewards in $5 increments (700 points)
  • Choose gift cards from more than 70 stores and restaurants for your prize
  • Redeem your points for United Mileage Plus Miles
  • Immediate access to surveys, videos, and games to earn money


  • MyPoints cap number of points each day
  • For U.S. and Canadian residents only
  • The 'cost' for each gift card varies by store/restaurant

Other Ways to Earn Cash With MyPoints
Aside from shopping, you can earn points with MyPoints by:
  • Taking surveys
  • Printing coupons
  • Watching videos
  • Buying local deals from Groupon or Living Social
  • Reading emails
  • Playing games
  • Referring friends

Checkout 51

Checkout 51 works like a digital coupon. Certain brands pay the platform to promote their products. If you buy those products and prove it, you earn cashback (a portion of what the brand paid Checkout 51).

The app is simple to use and is a great way to save money when you don't have time to clip coupons.

How To Get Started

  • Download the Checkout 51 app.
  • Search offers provided to you (updated every Thursday).
  • Buy the products in your offers.
  • Select offers and upload your receipts.
  • Earn cashback for your purchases.


  • Offers change weekly, giving you more chances to earn money back
  • Shop in-store or online and can even use coupons
  • Get paid via mailed check once you hit $20
  • Don't have to shop through the Checkout 51 app, so you can claim purchases in more than one rebate app


  • Offers available for one week only and limited quantities
  • Only one use per offer

Best Money Making App for Surveys/Market Research

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Companies want your feedback about their products and services and they'll often pay for it. Answering questions in a survey, providing reviews, or conducting other simple (and online) tasks may earn you cash or points that you can convert into gift cards.


Swagbucks offers points in exchange for simple tasks like surveys or writing product reviews. You can turn the points into cash or gift cards.

The platform offers many opportunities, but the quickest way to earn Swagbucks is by taking surveys.

How To Get Started

  • Download the Swagbucks app or sign up online.
  • Earn a $10 reward for signing up.
  • Choose your tasks (shopping, surveys, watching videos, play games, or searching the web).
  • Accumulate Swagbucks and redeem the points for cash or gift cards.


  • Many ways to earn points including everyday activities like searching the internet or playing games
  • Free to join and use
  • User-friendly site makes it easy to find ways to earn points daily
  • Redeem points for gift cards from more than 1,500 retailers


  • Must spend at least $25 in a Swagbucks shop within 30 days to get the signup bonus
  • Points accrue slowly—it's a long wait to earn enough convert to cash or gift cards
  • Opportunities to spend money, even in their games

Google Opinion Rewards

Google offers a way for you to earn a little side cash by answering surveys. The Google Opinion Rewards app provides short surveys that pay between $0.10 and $1.00. The surveys can be a great way to kill time while waiting in the checkout line or the doctor's waiting room.

How To Get Started

  • Download the Google Opinion Rewards app.
  • Link your PayPal account for payment.
  • App automatically sends rewards to your PayPal account when you earn at least $2.


  • Available on both iOS and Android devices
  • Redeem your points for PayPal credits or Google Play credits
  • Free to join and easy to use
  • Don't have to worry about finding surveys—they are sent to you automatically


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

Other Apps to Consider

  • Foap
    You can make money with your smartphone photos. Just upload the photos to Foap and wait for a company to buy them. You earn $5 for every photo chosen. Make even more money if you join Foap Missions, where companies ask for a specific type of image. If they choose your image, you earn $50 or more.

  • Acorns
    If investing overwhelms you, consider automating it with Acorns. You link your debit or credit card to Acorns and it automatically rounds up your purchases to the nearest dollar. You choose the transactions it rounds up and your spare change gets invested once you hit $5.

  • Surveys on the Go
    Earn 'real' cash for providing your opinion with Surveys on the Go. You'll receive notification for a few surveys a month that pay between $0.50 and a few dollars. Earn spare change for surveys you start but don't qualify for and can cash out once your balance equals $10.

Bottom Line

Using your smartphone to make quick cash is a great way to spend your spare time. You won't get rich doing it. But spare change here and there, especially if you combine the benefits of a few apps, can add up over time.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

More from CreditDonkey:

Passive Income

Best Investment Apps for Beginners

Best Investment Apps


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