Money-making apps like Swagbucks and Survey Junkie can be useful when you need extra cash to supplement your regular income.

Not just that, but you can use some of the best side hustle apps to generate enough income to pay your bills, save money, and invest for the future.

A lot of us spend an awful amount of time fiddling with our phones all day long. As such, it makes sense for us to find ways to monetize our smartphone usage.

Whether you use an Android phone or iOS device, the money-making apps on this list can work for you. To get paid, you can expect to receive your earnings as PayPal cash, free gift cards from popular brands, check, or direct bank transfers.

Free Money Apps That Pay

Let us start with survey apps that pay you to provide your opinions. They are easy to use, free to join, and they offer various payment methods when you want to cash out your earnings.

1. Survey Junkie

Survey Junkie is one of the best survey apps you will find online. This site offers lots of surveys and has millions of members.

To get paid on Survey Junkie, you can request gift cards or a PayPal cash deposit.

Sign up for Survey Junkie.

2. Swagbucks

Swagbucks is one of the most popular online rewards sites in the world. It has paid members hundreds of millions of dollars over the years, and you get multiple ways to earn.

The site pays you to complete surveys, play games, watch videos, shop online, and surf the internet.

Swagbucks is on my list of the best survey sites. When you join, they give you a $5 bonus. Learn more in this Swagbucks review.

Sign up for Swagbucks.

3. Cashyy

Unlike the others above, Cashyy is mainly a free game app you can download on the Google Play Store for Android devices.

After creating an account, you can discover new cash games and complete various missions.

For every mission completed, you earn coins you can redeem for Amazon, Google Play, and PlayStation gift cards.

You can also redeem for cash via PayPal.

Cashyy offers various types of games including arcade, puzzle, strategy, casual, action, and adventure.

Available: United States, Canada, and the United Kingdom.

Download Cashyy.

4. MobileXpression

The Mobilexpression app pays you to install it. This app gathers data on internet usage for market research purposes.

After installing it for a week, you get a $5 Amazon gift card. If it stays installed, you continue to earn credits you can redeem for gift cards.

Sign up for Mobilexpression (Android) or (iPhone).

5. MyPoints

Founded in 1996, MyPoints is a rewards site in the United States. You earn cash when you shop at your favorite store, answer surveys, play games, and more.

MyPoints is affiliated with over 2,000 popular retailers, including Walmart, Amazon, and Home Depot.

When you sign up, you get a free $10 Amazon or Visa gift card after making your first qualifying purchase.

Sign up for MyPoints.

6. InboxDollars

InboxDollars is an online rewards community that pays you to answer surveys, watch videos, play games, and complete other simple tasks.

You can cash out starting at $30 and get paid real cash once you hit this minimum threshold. Get more details in this InboxDollars review.

Related: How To Get Free PayPal Money

Cash Back Apps That Pay Real Money

Getting paid for purchases you’d make anyway is awesome, and that is what the best cash back apps do. You get money back when you shop for groceries and other items online and in the store.

7. Rakuten

Formerly known as Ebates, Rakuten is the ultimate cash back money-making app for online shoppers.

They have partnerships with more than 3,000 retailers in the U.S., and you can score significant discounts when shopping for pretty much anything.

To enjoy Rakuten as a new user:

  • Sign up here for a $10 to $30 welcome bonus
  • Visit Rakuten first when you want to shop online and click on your preferred store
  • Shop online like you would do normally
  • Cash back is automatically credited to your account

The bonus shows up on your balance after you make your first purchase of at least $30.

Sign up for Rakuten.

8. Drop

Drop is similar to Rakuten because you don’t need to upload your purchase receipts to claim cash back. When you shop for one of the many offers on the app, cash back is automatically credited to your account.

You can redeem your earnings for free gift cards, e.g. Amazon, Starbucks, Netflix, and Walmart.

The Drop app has over 3 million users, and they have earned over $16 million. New users get a $5 bonus after linking their first card and $5 each time they refer a friend.

9. Ibotta

Ibotta is super popular with couponers and is a must-have if you want to save on groceries while also earning cash back.

Their app works for both online and in-store purchases. After you purchase an offer, submit your receipt using the app and watch your cash back balance grow.

You can also install the Ibotta browser to never miss a cash back when shopping online. Get a $20 welcome bonus when you join.

10. Checkout 51

Checkout 51 is another grocery receipt scanning app that works well. Each week, the app updates the available offers with discounts as high as 30%.

After your grocery shopping, upload your receipt using the app. Cash back is paid within 48 hours, and you can redeem your earnings by check starting from $20.

11. Fetch Rewards

This is a free grocery savings app similar to Ibotta. Download it here and use the promo code “APREWARDS” to get 3,000 free points ($3 value).

Scan your grocery receipts to the app and earn points you can redeem for hundreds of free gift cards, including Cabela’s, Macy’s, Target, Nike, Amazon, eBay, and more.

12. TopCashback

TopCashback pays you to shop at thousands of stores and is often referred to as the “USA’s most generous cash back website.”

The site is free to join, and with over 11 million members, it is definitely worth your time.

Side Hustle Apps That Pay

A side hustle app takes your Android or iOS phone to another level by giving you the means to earn a significant income.

13. DoorDash

Similar to Postmates, DoorDash is a food delivery app for making money. Dashers can deliver food to more than 4,000 cities in the U.S, Canada, and Australia.

You determine when you are available to work and can make deliveries using a car, bike or scooter.

14. Postmates

Postmates pays you to deliver groceries, restaurant food, and drinks in your city. You choose your schedule and work whenever you want to. As a Postmates courier, you keep 100% of your earnings and tips, and payments are instant.

The app makes delivery super easy by giving you all the details you need for each trip. Postmates also sends you a free delivery bag and a prepaid card to make your work easier.

15. Fiverr

Fiverr is a freelance marketplace where you can market your services and find gigs to earn money. It’s the world’s largest place to market your digital services using your phone or computer.

Signing up for Fiverris free.

Once onboard, you can offer various gigs, including voiceovers, freelance writing, web development, video editing, logo design, social media marketing, and 200+ other gigs.

16. Decluttr

Decluttr is where to sell your unused or unwanted phones, DVDs, games, books, tablets, CDs, and more into cash.

Using the app, you can get a free valuation to know what your device is worth. Use the free shipping label they send to you via email to ship out your item for free and get paid through direct deposit or PayPal.

Decluttr also ensures your shipment for peace of mind.

Game Apps That Pay Real Money

If you are into playing games, these apps reward you for doing so. They are also free to download.

17. Mistplay

Use MistPlay to earn rewards while playing various games. The point you earn can be redeemed for Visa, Google, iTunes, PlayStation, Amazon, and many other gift cards.

Mistplay is very popular on Google Play and is currently only available on Android phones.

Join Mistplay (Android only)

18. Lucktastic

Play scratch cards and earn rewards. New scratch card games are available on the app daily, and you can win merchandise, free groceries, vacation packages, and real cash.

Lucktastic is available on Android and iOS devices.

Other Money Making Apps

Below are additional apps you can install on your mobile phone to earn some extra cash.

19. Sweatcoin

Sweatcoin has more than 40 million users who are encouraged to walk and exercise in exchange for rewards.

The app counts your steps throughout the day and pays you in sweatcoins.

You can redeem your sweatcoins for PayPal cash, Apple watches, iPhones, and sports gear.

Sign up for Sweatcoin.

You can also read about other apps that pay you to walk.

20. Nielsen Computer and Mobile Panel

This market research app is operated by Nielsen, a global consumer research company. Nielsen Mobile Panel tracks your internet usage and rewards you for keeping it installed.

You get up to $50 per year and can participate in monthly sweepstakes.

Join Nielsen Mobile Panel.

21. Trim

Trim helps you to cut your bills automatically by negotiating with your cable, internet, and phone providers. It also cancels unused subscriptions on your behalf.

In addition, the app offers a high-interest savings account and can help you lower your bank charges and credit card interest fees.


Earning cash online using your phone will only continue to grow in popularity as more and more people transact using the internet.

A quick internet search shows that people are interested in learning about:

  • The best apps to make money fast
  • Top money earning apps
  • Best money making apps for 2023
  • How to make money with apps
  • Highest paying apps, and
  • Apps that pay you through PayPal

The money-making apps listed above are a good starting point. For more ways to make money, check out this post on 100+ ways to make money online.

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