In this post, I’m going to show you how to get free money.

Yep, free cash.

I know it sounds too good to be true. But trust me, these are legit.

The other day I earned $25 referring my wife to a free site.

screenshot of earning a $25 bonus from ebates

Let’s dive in!

How to Get Free Money Right Now (30 Legit Ideas)

]Reader Favorites

Here are some reader favorites (a.k.a. the best ideas) for earning free money.

#1 — Swagbucks

Is it legit? 3.7/5 rating with 1,500+ reviews in the App Store

Sign-up bonus: $5

It only takes a minute to sign up for this site, and you’ll earn $5. You can get free cash or gift cards just for doing what you normally do online.

You can shop, surf the web, fill out surveys, or even get paid to watch videos.

Learn more about Swagbucks.


#2 — Survey Junkie

Is it legit? 8.9/10 rating on TrustPilot

Sign-up bonus: Varies

Survey Junkie makes it easy for new users to rack up points with simple tasks like confirming your email address, watching a “how it works” video, and filling out a short profile survey.

When we ranked the best survey sites, Survey Junkie came out as one of the best.

Start earning with Survey Junkie now.


#3 — Trim Financial Manager

Any post on free money can’t be complete without mentioning Trim Financial Manager.

Trim is not a mobile app (and therefore has no reviews). Nor does Trim have a page on TrustPilot or the BBB.

However, it’s become one of my favorite personal finance tools. 

What Trim does is identify ways for you to save money. Then, in some cases, Trim will handle the entire money saving task.

For example, say you want to save money on your cable or phone bill. Trim has a robotic assistant that negotiates with the provider on your behalf.

The other month, Trim negotiated a $30 discount on my internet bill for a long service delay. Ironically, I was on vacation at the time, so I didn’t even realize my internet was down.

The below email just showed up in my inbox one day:

Trim Financial Manager Comcast Savings Screenshot

Check out this review of Trim for more details.

Or, you can sign up for Trim here.


#4 — Get a Free Bank Bonus

Have cash sitting in a checking or savings account? If so, it makes sense to find a bank that pays a high-interest rate.

Even if you don’t have a lot of cash on hand, consider shopping for banks to avoid fees. Some banks charge you for just about everything (overdrafts, ATM usage, account minimums, etc.). As such, finding a bank that doesn’t nickel and dime you puts more money in your pocket.

My #1 tip for finding a bank that’s right for you is to check out Fiona.

Fiona is a free search engine that helps you find the bank that pays the highest interest rate in your area. You’ll also see important information up-front, such as available bonuses, account minimums, and overdraft protection.

No personal information is required. Just enter your zip code to get the results.

When I did this, I found a bank that paid 22x the national average on their savings accounts!

See what banks are paying around you — check out Fiona today.

#5 — Get a Credit Card Sign-Up Bonus + Maximize Cash Back

Credit cards are my personal favorite when it comes to free money. In fact, I’ve used credit card rewards to save thousands on travel over the years. 

You can earn anywhere from 1% to 5% back on your purchases. Then, there are sign-up bonuses, which can get upwards of $500 or more. 

But keep this one important rule in mind: this is only a moneymaker if you pay off your credit card debt in full each month!

As a general rule, the better your credit score, the more you can earn via a sign-up bonus and cash back. If you’re not sure what your credit score is, sign up for a free service like Credit Sesame

Once you have your score, here are cards worth looking into:

Chase Freedom Card Art

For Good Credit (700+ Credit Score)

For those with good to excellent credit history, the Chase Freedom  Card has a $150 sign-up bonus and no annual fee. You’ll then get 5% cash back in rotating quarterly categories.

Another option is the Chase Freedom Unlimited. It has a $150 sign-up bonus (after spending $500 in the first three months), and you get 1.5% cash-back on everything you buy. 

For bigger spenders, there’s the Chase Sapphire Preferred card that offers a $600 sign-up bonus (worth $750 when used for travel) after spending $4,000 in the first three months. You’ll then earn two points per dollar spent on travel and dining, and one point on everything else.

For Fair Credit (600 to 700 Credit Score)

ABOC Platinum Rewards Credit Card

For those with fair credit, check out the ABOC Platinum Rewards Credit Card

It’s one of the few cards for those with average credit that comes with a sign-up bonus. The current offer is a $150 statement credit after spending $1,200 on the card within 90 days of account opening. 

Other benefits of the card include:

  • A 0% intro APR on both purchases and balance transfers in the first 12 months.
  • Rotating 5% cash back categories on up to $1,500 in spending. Earn 1% cash back on all other purchases. 
  • No annual fee.

Learn more about the ABOC Platinum Rewards Credit Card.

capital one secured mastercard card art

For Bad Credit (Below 600 Credit Score)

If you have bad or poor credit, you’ll have to increase your score before qualifying for the best cards. One way to do that is with a secured card, which requires a small deposit and helps you build credit by reporting your activity to the credit bureaus. 

One of my favorite secured cards is the Capital One® Secured Mastercard®. Based on your credit score, you’ll make a refundable deposit of either $49, $99 or $200. The maximum credit line for the Capital One Secured Mastercard is $1,000.
The card comes with a $0 annual fee and no foreign transaction fees. The biggest downside is that the APR runs high. So, make sure you always pay your balance in full.
The goal with a secured card is to use it to improve your credit score. Depending on where you’re at today, this may only take a few months. Once you establish a better credit history, you can then move to better cash-back cards.

Learn more about this card and others.

Make Passive Income by Downloading These Apps

If you have a smartphone, you’re in luck. There are a few legit mobile apps that pay you to download them.

Downloading each of these passive income apps can add up to a few hundred dollars in passive income each year.

Many readers of The Ways to Wealth combine the money they earn from these apps to help save money on Christmas gifts or pay for a family trip.

#1 — Nielsen Computer & Mobile Panel

Is it legit? A+ Rated on the BBB (and owned by Nielsen Holdings, the company known for publishing TV viewership ratings)

With the Nielsen Computer and Mobile Panel, you can earn up to $50 per year in rewards. And you’ll get that money just for downloading the app and then using your phone or computer as usual.

It will take only a few minutes to set things up — you’ll have to provide some basic information, set up a username and password, and install the app.

#2 — Paribus

Is it legit? 4.0/5 rating and 1,200+ reviews on the App Store

Paribus is another easy win when it comes to scoring free money. With this site, you shop online just as you normally would. The site uses an algorithm to track your purchases (through emailed receipts), and then helps you get a refund if the price drops.

So far, the site has saved $24 million for its members.

Learn more about Paribus.

#3 — Drop Rewards

Is it legit? 4.7/5 rating and 35,000+ reviews on the App Store

Those who use debit or credit cards can sign up for Drop — an app that rewards you for every purchase you make.

After you link a card to your account, you’ll get points every time you buy something at participating stores.

Once you’ve accumulated enough points, you can exchange them for gift cards. 

Popular offers range from about 1% at Trader Joe’s up to 10% on Postmates deliveries. There are all kinds of other offers from major retailers, so if you’re shopping with those companies anyway this is a can’t-miss app. 

#4 — Dosh

Is it legit? 4.7/5 rating with 89,000+ reviews on the App Store

The Dosh smartphone app is similar to Drop in that you link your credit or debit card; when you make purchases with your linked card, you’ll get cash back.

One notable difference is that with Dosh, you can choose to send your accumulated cash to a bank or PayPal account.

If you’re feeling generous, Dosh gives you the option of donating your money to charity.

#5 — SavvyConnect

Is it legit? A+ rating on the BBB

With SavvyConnect, you download an app, browse the web, and earn money. The company gets valuable market research, and your identity is protected.

SavvyConnect also directs you to paid online surveys that will reward you for your honesty. You’ll also have the chance to earn extra incentives by referring your friends and family members.

women making silence sign

Get Paid to Sign-Up on Sites

Beyond smartphone apps, there are many more creative ways to make money online in your spare time.

One such way is through website sign-up bonuses.

As both large and small businesses need new customers, they happily give away thousands of dollars each year to new users.

Some sites on this list require the completion of a small task to earn the bonus, such as submitting a receipt. Others give you a bonus just for signing up.

#1 — MyPoints

Is it legit? A- rating on the BBB 

Sign-up bonus: $5 bonus for taking five surveys

MyPoints is a rewards site that allows you to earn money by watching videos in the background. You can also earn points by doing things that will help your bottom line, like printing coupons and taking surveys.

When you have enough points saved up, you can trade them in for travel miles, gift cards, or PayPal cash.

#2 — InboxDollars

Is it legit? 4.4/5 rating with 57,000+ reviews

Sign-up bonus: InboxDollars is giving out a $5 sign-up bonus for new clients

With this website and app, you don’t earn points — you get cash instead.

If you get tired of only doing one type of activity for money, this might be a good fit. You can take surveys, play games online, browse the web, shop, read emails, and redeem coupons online for money.

#3 — Ibotta

Is it legit? 4.5/5 rating with 59,000+ reviews

Sign-up bonus: Ibotta gives new members a $10 sign-up bonus

With this app, you’ll get cash back on everyday purchases like milk, bread, and eggs.

There is a little legwork involved with this app. You need to add your offers before shopping to ensure you get the cash back.

Then, once you get back home, scan the barcodes (read our comprehensive Ibotta review to learn more about the process).

#4 — Rakuten

Is it legit? 4.4/5 rating with 4,500+ reviews

Sign-up bonus: $10 sign-up bonus for new members

With one click, Rakuten allows you to get money back while you’re shopping on websites. (Read our Rakuten review.)

But you can also save at many of your favorite stores with the exclusive coupons and offer codes Rakuten gives its members.

They also have a generous referral program, which allows you to earn $25 for referring a friend.

#5 — BeFrugal

Is it legit? A+ rating on the BBB

Sign-up bonus$10 sign-up bonus

This site comes with a $10 sign-up bonus. After that quick process, you’ll get up to 40% cash back at more than 5,000 stores.

BeFrugal gives you several methods for getting paid, including check, gift cards, PayPal, or direct deposit.

Plus, it has special deals and coupons you can access.

Signing up for multiple cash back sites and earning the respective bonus is easy money.

#6 — Personal Capital

Is it legit? 4.8/5 rating with 19,000+ reviews

Sign-up bonus: $20 Amazon gift card

With Personal Capital, you’ll have all your information at your fingertips to see your complete financial picture. To qualify for the $20 gift card, you’ll need to link at least one investment account, such as a 401(k) or IRA.

That’s a good deal for a website that will also help you track and manage your finances with useful tools.

This is about as easy as it gets.

#7 — Vindale Research

Is it legit? A-rated by the BBB

Sign-up bonus: $1 sign-up bonus

Although the $1 sign-up bonus you’ll get with this site isn’t much, it’s still better than nothing. And it takes just a minute to do. Then, you can start earning better money by taking surveys online.

Hundreds of surveys are added every day, giving you more chances to earn cash. These are great options for making a little money while on your daily commute or watching TV.

woman sitting on the rock with laptop near the sea

Make Free Money From Idle Assets

Think of idle assets as anything you own right now that could be making you money.

Here are six ways to earn money from what you currently own.

#1 — Rent out a room on Airbnb

Airbnb can be a good moneymaker.

You don’t have to live in Hawaii or some other top tourist destination to rent out a room. Even things like a summer festival in a small town or people coming back home for the holidays can create a need for a room.

This is a good option whether you live in a big city or a more rural setting.

#2 — Rent out a car on Turo

Do you have a nice set of wheels? If so, you can rent your vehicle through Turo. If you go this route, make sure to check your car insurance coverage. Insurance is regulated by individual states and policies change from carrier to carrier. As such, check your specific policy to make sure you’re covered. 

#3 — Upload your stock photos

Most of us take a pretty picture and then forget about it. But if you’re smart, that pretty picture can be worth some extra money. Stock photos are big business.

One good photo in your phone or on your camera can earn you a decent amount of money. An afternoon spent taking a lot of images can create a passive revenue stream for you.

#4 — Get paid to work out with HealthyWage

If you have some excess weight to lose, you might be able to find the motivation to do it by earning money for your efforts.

With HealthyWage, you can do that by being part of a weight loss team.

The social aspects of HealthyWage can help you succeed with your weight loss goals, and you have the potential to earn thousands of dollars depending upon how well you do.

#5 — Sell what you own on Craigslist

There’s a reason Craigslist has become so popular — it’s good for both sellers and buyers.

The site can fetch you a decent price for your items, and there’s no pressure to sell until your desired price is met.

The best things to sell are cell phones, TVs, and furniture.

#6 — Sell old electronics on Gazelle

If you don’t want to deal with people, and want to get paid relatively fast, Gazelle allows you to send old electronics in for a fixed price.

Free Money From the Government

There are millions of dollars in money waiting around to be claimed by the right person.

What’s important here is using reputable websites to do your search.

#1 — File an amended tax return

Sometimes you realize that you missed some potential tax deductions after you file your tax return. If that sounds like the boat you’re in, it’s not too late to re-gain those earnings.

It can take a while for your amended return to go through, but you’ll eventually get your money. You pay enough in taxes, so make sure you don’t let this slide if you’ve overpaid!

#2 — Find unclaimed money

Sometimes, despite your best efforts, you miss out on some money that’s owed to you. Perhaps you forgot to pick up your last paycheck, or you moved before a government refund was mailed to you.

But you don’t want to fall for any scams in your attempt to find it.

To find unclaimed money, visit

#3 — Find unclaimed pension funds

Considering how often people bounce between jobs these days, you might not always keep great track of the pension you’ve earned. You could be owed a pension and not even know it — especially if you’re bad about reading the policy handbooks at your jobs.

To see if you’re owed a pension, you can visit this Government website.

#4 — Go to school with student aid

You can get a lot of free money to attend college, both full-time and part-time.

That will benefit you in the long run, since you’ll likely increase your future earnings with a degree. Not to mention, student aid can minimize your student loan debt.

To discover your free aid options and see how much money you could potentially be entitled to, you can visit Federal Student Aid.

On a related note, if you have student loans, consider refinancing them to a lower interest rate. You can free up a lot of extra cash this way.


While a legit side hustle will earn you more money in the long run, the above 30 ideas are easy wins that can help you build momentum with your finances.

Good luck!


*Paribus compensates us when you sign up for Paribus using the links we provided.

The Ways to Wealth LLC has partnered with CardRatings for our coverage of credit card products. The Ways to Wealth LLC and CardRatings may receive a commission from card issuers.