If you want to get stronger, you have to start by lifting an amount of weight that’s hard but doable. Then, you can gradually increase the weight over time to build strength.
This same idea applies to earning money. If you’ve never made much, start with an idea that’s easy. Then, slowly increase the level of difficulty as your skills improve. The more your skills improve, the more you can make.
This is where money making apps come into play — they’re a great way to improve your money making skills. You won’t get rich, but you can earn some spending money and start building that financial muscle.
To get started, here are the highest-rated money making apps available for iOS and Android.
In an effort to only include the best money making apps, this list only includes options with a minimum of a 4/5 rating on the Apple or Google Play app stores.
Legit Money Making Apps
Get paid for sharing your opinion
One popular way to make money from your smartphone is by taking surveys.
To get started, just download one of the many great survey apps that are available free of charge. When a survey is available for you to complete, you’ll get a notification. After you take the survey, you’ll get paid.
For example, here’s a survey opportunity that was recently sent to me:
Honestly, this offer is better than most. You won’t always be able to make $50 for 10 to 15 minutes of work (that’s around $200 per hour!). But every now and then you’ll see great opportunities like this.
Interested? Here are the best survey apps for making money:
Google Play Store Rating: 4.1/5 — 1,100+ reviews
Swagbucks is a reader favorite — and for good reason. There are a number of simple tasks you can do to make money on Swagbucks, including taking surveys, watching videos, and playing games. It’s one of the most popular survey and rewards apps, having already paid out over $300 million to its members.
App Store Rating: 4.4/5 — 77,400+ reviews
Plus, you get a $5 sign-up bonus if you use this link.
The Best Money Making Cash Back And Coupon Apps
These money making apps offer you the chance to earn cash rewards and/or save money on the stuff you were already going to buy.
It’s the ultimate win-win.
Also, many of the apps listed below are stackable. That means you can redeem one offer multiple times on different apps to earn big.
Here are the best apps for earning cash back on both in-store and online purchases.
App Store Rating: 4.5/5 — 13,500+ reviews
Rakuten is one of the highest-rated cash back apps for both iOS and Android. With Rakuten, you can earn up to 40% cash back when you shop at over 2,500 stores (both in-store and online).
When you shop online, Rakuten shares its referral commission with you any time you make a purchase through the provided link.
To make money with in-store purchases you have to link your card inside the Rakuten app. Then, you’ll automatically earn cash back every time you shop at participating stores. You don’t even have to tell the salesperson when checking out.
You’ll get a check from Rakuten once per quarter with your cash-back balance.
Sign up with this link to get a $10 bonus when you make your first purchase.
App Store Rating: 4.7/5 — 413,300+ reviews
Ibotta started out as a grocery coupon app but has expanded into both retail and online cash back. In total, ibotta has now paid out over $370 million in cash-back rewards.
It works like this: you use the app to scan the barcode of the product you purchased at the store, as well as the register receipt. And then you’re done! It’s that easy.
Both my wife and I use the app (read my Ibotta review) and find the 30-seconds it takes to be well worth the time and effort.
Just as with every app on this list, Ibotta is free to download.
And you get a $10 sign-up bonus after uploading your first receipt.
App Store Rating: 4/5 800+ reviews
Let’s say you bought a smartphone online last month for $450. As always seems to be the case, this month the phone is on sale.
But there’s an app for that. Paribus can get money back because of price drops you didn’t even know about!
Paribus tracks your recent purchases (through emailed receipts), then looks for price drops. When it finds one, it automatically helps you get a refund.
Unlike other similar sites, Paribus allows you to keep 100% of the refund. That’s right — there are no hidden fees.
Paribus doesn’t have an Android version yet. However, its site is optimized for mobile. If you’re on an Android phone, it’s easy to just use the website instead of an app.
App Store Rating: 4.7/5 — 1,000+ reviews
ShopKick is one of the highest-rated apps in the “money” category. It rewards you for visiting stores, and in some cases you don’t even have to buy anything — you get rewarded just for walking in. You can also earn points by scanning specific items within the store (again, it doesn’t matter if you buy the item).
One downside of ShopKick is that you can’t exchange your points for cash. Nonetheless, with many good options for gift cards (such as Amazon, Walmart and Target), that shouldn’t stop you from trying it out.
#5) Drop Rewards
App Store Rating: 4.7/5 — 28,000+ reviews
If you like earning gift cards for little to no work, you’ll love Drop Rewards.
All you do is sign up, then link your credit and debit cards. Next, pick two stores to earn points from (Trader Joe’s and Walmart are popular options).
You then earn rewards for shopping at those stores. In some cases, you can earn as much as 2% cash back automatically.
For example, you’ll get 12 points per dollar spent at Trader Joe’s. So, it’s like earning an extra 1.2% back on all your purchases.
There are also great cash-back shopping opportunities on the app, including 10% on Postmates deliveries and 6% on Sephora purchases.
That can add up to a decent-sized gift card in a year’s time, simply by signing up for the app.
Speaking of rewards, do you want to know how to maximize your credit card points and travel for free? Enter your email below to get The Ways to Wealth’s free email series: The Beginner’s Guide To Free Travel Through Credit Card Rewards
App Store Rating: 4.7/5 — 33,300+ reviews
Dosh is another app that allows you to earn cash by using a linked card at participating retailers. Some stores even offer up to 10% cash back.
You can transfer your earnings directly to your bank or PayPal account, or you can donate them to a charity.
Trim is one of my new favorite services (read my Trim Review). It’s not an app in and of itself. Instead, it works inside Facebook’s app.
Trim uncovers savings opportunities based on your actual spending. There are also opportunities to make money with this app, as Trim uncovers cash-back deals and activates them for you automatically.
When it finds a deal, you’ll receive a Facebook message from Trim.
Since Trim does most of the work, this is as close to free money as you’ll get.
Other Highly-Rated Money Making Apps
App Store Rating: 4.7/5 — 360,500+ reviews
Acorns is an app that allows you to automate your investing.
It does this in a couple of different ways:
- By investing your spare change. One of Acorns’ main features is called Round Up. Here’s how it works: say you make a purchase for $17.20 (at any store). Acorns will then set aside 80 cents from your checking account and automatically invest that money into a mutual fund. It’s a way of helping you save, while also building up an investment portfolio a little bit at a time.
- Through “Found Money.” Acorns has also partnered with hundreds of retailers to allow you to earn money any time you shop at a specific store. For example, say you spend $100 at Walmart. Acorns calculates a percentage of that $100 (which can be up to 10% for some retailers) and adds it to your investment account. This isn’t a “round up” — it’s free money.
You can build up a nice portfolio just by using Found Money and investing your spare change. Eventually, that portfolio could go toward your retirement or earn you a nice side income.
Acorns now has over 4 million users and is one of the fastest-growing financial apps around.
App Store Rating: 4.8/5 — 136,100+ reviews
If you have a second home or even a spare room, you should seriously consider renting out your unused space.
I was surprised to learn that Airbnb estimates I could earn $750 per month simply by renting out an extra room at 50% occupancy in my home.
Not sure if it’s worth it to list your place on Airbnb? Check out Airbnb’s monthly earning potential calculator to see how much you can earn.
App Store Rating: 4.7/5 — 1 million reviews
The ridesharing market is a big one, and it’s not slowing down any time soon.
Uber freelancers have earned millions of dollars taking riders on short trips around town, and the company recently introduced the long-awaited ability for riders to tip their drivers.
There’s a reason why many people who are in need of money quickly turn to ridesharing services like Uber and Lyft — because it works. You can work whenever you want (there are no schedules or minimum time commitments), and you have the ability to cash out instantly via special (free) Visa debit card.
And if you’re more an introvert, you can also deliver food via UberEats.
Interested? Learn more about Uber.
Google Play Rating: 3.9/5 — 23,000+ reviews
S’more, which is available only for Android devices, is one of the most popular lock screen apps in existence.
With S’more, you can earn free gift cards by allowing ads to appear on your phone’s home screen. If you like what you see, you can swipe to learn more. If not, just open up your phone as usual. Either way, you’re getting rewarded.
While not the most exciting way to earn free money, you can score gift cards to major retailers including Amazon, Best Buy, Starbucks and Target — just for using your phone the same way you always do.
App Store Rating: 4.5/5 – 6,900+ reviews
Foap allows you to make money selling pictures you take with your phone. What’s nice is that one photo can sell multiple times, which allows you to generate a nice source of passive income.
The best way to earn is through contests, in which Foap teams up with a specific brand to show how everyday people like you use their product.
Foap pays you once per month via PayPal.
App Store Rating: 4.7/5 — 2,900+ reviews
Like to work out and live a healthy lifestyle? Or perhaps you need some motivation to kickstart progress toward your weight loss goal?
The HealthyWage app allows you to earn money by betting on your weight loss goals
Here’s a quick summary of how it works:
- Start at the HealthyWage Prize Calculator and enter the amount of weight you want to lose, when you want to lose it by, and how much you want to bet per month
- Based on what you enter, The HealthyWage Prize Calculator will determine how much you can earn
- After registering, you’ll start the challenge with a video-recorded weigh-in
- The challenge ends with another video recorded weigh-in at a set date in the future
Interested? Click here to see how much you can earn.
App Store Rating: Rating: 4.5/5 — 61,000+ reviews
SweatCoin is a passive income app that allows you to earn money by walking. To get started, you download the mobile app and provide it access to your location. SweatCoin then tracks the steps you take when you’re outside.
You can exchange SweatCoins for cash via PayPal, or they have a limited number of gift card partners to choose from.
What can you expect to make? You’ll make around 1 SweatCoin per 1,000 steps you take. 1 SweatCoin is worth approximately 5 cents, so on a day you take 5,000 steps you’ll earn 25 cents. Average 5,000 steps over a 30-day period and you can expect to make $7.50 per month.
Not bad for something you’re already doing.
*Paribus compensates us when you sign up for Paribus using the links we provided.