If you want to get stronger you’d start by lifting a weight that challenges you at a level you can handle. You then 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 difficulty as your skills improve. The more your skills improve, the more you can make.

This is where money making apps come in–they are a great way to build your money making skills.

You won’t get rich but you can earn some spending money and start building that money making muscle.

To get you started, here are the highest rated money making apps available for iOS and Android.

In an effort to only include the best, each app has a minimum of a 4.0 rating in the Apple App Store or Google Play Store.


Legit Money Making Apps

Get Paid For Sharing Your Opinion

One popular way to make money from your phone is through surveys.

How it works is you download a survey app. Then you’ll get a notification when a qualifying survey is available. After you take the survey, you get paid.

For example, this is a survey opportunity that was recently sent to me:

Not all offers are this good but every once in awhile you’ll see one like this.

Interested? Here’s the best survey apps for making money:


# 1) Swagbucks

Download: iOS | Android | Browser

App Store Rating: 4.1, 1,100+ Ratings

Swagbucks is a reader favorite and for good reason. You can earn money in a number of ways with Swagbucks including surveys, watching videos, and by playing games. It’s one of the most popular survey and rewards apps, having paid out over $300,000,000 to its users.


# 2) InboxDollars

Download: iOS | Android | Browser

App Store Rating4.4, 66,000+ Ratings

With over 40,000+ reviews, InboxDollars is another popular money making app. You can earn money by playing games, taking surveys, and watching videos.

You get a $5 sign up bonus, if you use this link.


The Best Money Making Cash Back & Coupon Apps

These money making apps offer you the chance to earn cash and/or save money on the stuff you were already buying.

It’s the ultimate win-win. 

Many of the below apps are stackable. Meaning you can redeem one offer, multiple times on different apps to earn big.

Here are the top rated cash back and coupon apps.

# 1) Ebates

App Store Rating: 4.4, 7,000+ Ratings

Download: iOS | Android | Browser

Ebates is one of the highest rated cash back apps for both iOS and Android.  With Ebates you can earn up to 40% cash back when you shop from over 2,500+ stores both in-store and online.

When you shop online, Ebates shares their referral commission with you for making a purchase through their link.

To make money with in-store purchases you have to link your card inside the Ebates 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 Ebates once a quarter with your cash back balance.

Sign up with this link to get a $10 bonus when you make your first purchase. 


# 2) Ibotta

App Store Rating: 4.5 60,000+ Ratings

Download: iOS | Android | Browser

Ibotta started out as a grocery coupon app but has expanded into both retail and online cash back. In total they have now paid out over $370,000,000 in cash back rewards. 

How it works is you use the app to scan the barcode of the product you bought and receipt after you make a purchase. It’s that easy.

Both my wife and I use the app (read my Ibotta review) and find the 30-seconds it takes worth it.

Just as with every app on this list, Ibotta is free to download.

You get a $10 sign-up bonus after uploading your first receipt


#3) Paribus

App Store Rating: 4.0, 800+ Ratings

Download: iOS | | Browser

Let’s say you bought a smartphone online last month for $450. As it always seems to happen, this month the phone goes on sale.

Frustrating, right?

But there’s an app that can get you money back on price drops you didn’t even know about!

It’s called Paribus.

Paribus tracks your recent purchases (through emailed receipts), then looks for price drops and helps you get a refund when it finds one.

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, their site is mobile optimized, if you’re on an Android phone.

Learn more about Paribus.


# 4) ShopKick

App Store Rating: 4.7, 33,000+ Ratings

Download: iOS | Android | Browser

ShopKick is one of the highest rated apps in the money category with a 4.7.

Shopkick rewards you for visiting stores. In some cases, you don’t even have to buy anything, you get rewarded for walking into the store. You can also earn points by scanning specific items within the store (again, doesn’t matter if you buy it).

One downside of ShopKick is that you can not exchange your points for cash. Nonetheless, with many good options for gift cards (Amazon, Walmart, Target), it shouldn’t stop you from trying it out.


# 5) Drop Rewards

App Store Rating: 4.7 – ‎28,000+ Ratings

Download: iOS | Android | Browser

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 up to 5 stores to earn points from (Trader Joes and Walmart are popular options).

You then earn rewards for shopping at these stores. In some cases earning up to 2% cash back.

For example, you’ll get 12 points per dollar spent at Trader Joes. So, it’s like earning an extra 1.2% back on all your purchases.

This can add up to a decent sized gift card in a year’s time, simply for signing up for the app.

Want to know how to maximize your credit card rewards to 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


# 6) Dosh

App Store Rating: 4.7 – ‎72,000+ Ratings

Download: iOS | Android | Browser

Dosh is another app that allows you to earn cash by using a linked card at participating retailers. Some stores even have up to 10% cash back.

You can then transfer your earnings directly to your bank account, a PayPal account, or make a contribution to a charity.


# 7) Trim

Download: iOS | Android | Browser

Trim is one of my new favorite apps (read my Trim Review). It’s not an app by itself. Instead, it works inside of Facebook’s app.

Trim uncovers savings opportunities for you based on your actual spending. There are also opportunities to make money with this app, as Trim uncovers cashback deals and activates them for you automatically.

You’ll then get a Facebook message from Trim anytime there’s an opportunity.

As Trim does most of the work, this is as close to free money as you’ll get.


Other High-Rated Money Making Apps


# 1) Acorns

App Store Rating: 4.7 324,000+ Ratings

Download: iOS | Android | Browser

Acorns is an investing app that allows you to automate your investing.

You can do this with:

  • Investing your spare change. Say you make a purchase for $17.20, Acorns would set side .80 and automatically invest that money for you.
  • Found Money. Acorns has partnered with hundreds of retailers to allow you to earn money anytime you shop at a specific store. For example, say you spend $100 a Walmart. Acorns takes a percentage of that $100 (which can get up to 10% for some retailers) and invests it automatically (this costs you nothing).

Just using found money and investing your spare change, you can build up a nice portfolio in the background that will eventually earn you a nice side income.

With a rating of 4.7 ‎with 324K+ reviews in the app store and now over 4,000,000 users Acorns is one of the fastest growing financial apps around.

Click here to sign up for Acorns and start investing.


# 2) Airbnb Host

App Store Rating: 4.8 – ‎136,100+ Ratings

Download: iOS | Android | Browser

If you have a spare room or 2nd home, you should seriously consider renting out your unused space.

I was surprised to learn Airbnb estimated I can earn $750 a month simply renting out an extra room at a 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.


# 3) Lyft

App Store Rating: 4.0 – ‎15,100+ Ratings

Download: iOS | Android | Browser

The ride-sharing market is a big one and it’s not slowing down either.

Lyft drivers alone have earned an estimated $200,000,000 in tips. According to their website, “some drivers make more than $800 just driving Friday nights and weekends.”

There’s a reason why many in need of money quick, turn to ride-sharing–it works.

Lyft also offers a generous $300 welcome bonus for new drivers.

Interested? Learn more about Lyft


# 4) HealthyWage

App Store Rating: 4.7 – ‎2,900+ Ratings

Download: iOS | Android | Browser

Like to workout and live a healthy lifestyle? Or, perhaps need some motivation to kickstart a 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:

  1. Start at the HealthyWage Prize Calculator and enter how much weight you want to lose, when you want to lose it by, and how much you want to bet per month
  2. Based on what you enter The HealthyWage Prize Calculator will determine how much you can earn
  3. After registering, you’ll then start the challenge with a video-recorded weigh-in
  4. The challenge then ends with another video recorded weigh-in

Interested? Click here to see how much you can earn.


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