Everyone is looking for ways to make money without lifting so much as a finger, but what if literally lifting a finger was all you need to do to earn extra money? Money-making apps are apps you can download on your devices that will help you earn extra money, gift cards, and cash-back on purchases. It’s a quick and easy way of earning money by either making purchases online, playing games, or taking surveys. At Scholaroo, we have researched 8 money-making apps you can use to get a little extra cash by just lifting a single finger.
8 Money Making Apps
This money-making app is perfect for professional and amateur photographers who are hoping to earn money with little to no effort. This app is a crowdsourcing platform that allows you to earn money by selling photos that you take on your smartphone. Basically, you would sell your images to Foap, and different brands, advertising and marketing agencies will purchase these images from Foap for advertisement, blogs, reviews, etc.
How it works: Download the app and register your account. Then you can begin uploading high-quality photos. These photos will get rated by the registered community, and the higher the rating for your images, the higher their visibility on Foap. For each photo Foap sells, you earn between $5 to $100 per sale. Sometimes brands and agencies also give “missions” requesting specific images and videos. Foap only pays once per month, via PayPal.
Tricks: Get more of your friends and family to join, to participate in rating. Make your account visible on your social media to encourage people who visit your account to rate your photos and videos. Take advantage of the missions and give your best when participating. Rate other people’s images and videos to gain more points.
Toluna is a market research app that allows users to earn rewards for completing surveys and also allows them to create their own surveys. The company partners with various brands, providers, and retailers to get customers’ opinions on products and services. You can also create different surveys based on current events, polls on the best or latest technology gadgets, etc. Creating your own survey can earn you extra points on the app.
How it works: Registration is quite simple with this app, you simply need to sign up on the app or through their website. You will need to provide some basic information for your account. Once you have registered you will be allowed to sign up for the different surveys available. Once you have enough points, you can go to the rewards center and redeem your points as cash or in the form of gift cards.
Tricks: Use the app yourself to create various surveys and get more points. Invite friends and family to join Toluna and earn points. Try to participate in the available contests or games on the community content page to earn points.
Swagbucks is a cash-back and rewards app that allows you to earn a little extra cash by getting Swagbucks (SB) points for taking surveys, shopping online, playing games, and watching videos. This app offers many easy ways to earn points, and there is no waiting period before you can cash in. You can also earn cash-back from purchasing qualifying products listed in the app. The app does not pay much and will require some time and effort before you make a decent amount of money, but it’s a great way to try and make some cash with little to no effort. Motivated users can earn $100 or more per month.
With Swagbucks, you can redeem points from 2,500 Swagbucks which would earn you $25, and get either gift cards or cash straight into your PayPal. You can now also get SB for Bitcoin through the new Cryptovoucher options. This is an easy way to get some money just by using your phone.
How it works: Sign up through the app, you do need to create an account but this does not require payment information. The app sends daily notifications on ways to earn that you can sign up for (these are sometimes selected based on demographic). The app features a daily checklist where you can track the tasks you can do to earn Swagbucks.
Tricks: Take advantage of the referral points available through Swagbucks, you can earn 10% Swagbucks through referrals. If you spend $25 on an in-store purchase for the first time, you can earn a $10 joining bonus. This is good if you were already going to make that purchase.
This app allows users to get money by participating in usability tests such as visiting and exploring different websites, performing various tasks on the site, and offering feedback on the experience. The process is quite simple, but there are various illustrations and tutorials on the app that will walk you through usability tests with the app.
How it works: Once you have signed up on the app, you have to take a qualification test. This test will record your voice and screen as you work through a given task, then the Userfeel team will rate your skills. The qualifications test is a lot like the work you will be doing in the app, but it’s unpaid and is meant to test whether the app is working properly on your device. The Userfeel team rates your skills in this test, the higher your rating the more tests will be assigned to you.
How much you can earn on Userfeel depends on your rating from the tests. You can earn $3 to $30 per test and it can be from five to 60 minutes long. You are only paid after approval, which is usually a week after the test. You are paid into your Userfeel Wallet – you can transfer the money into your Paypal account.
Tricks: When taking the qualification test be sure to speak as you do the task, express your thoughts and give useful feedback. This is a sure-fire way to get a good rating and get more tests. Propose things that would help the site, give useful comments and thoroughly answer the questions.
Ibotta is like modern-day couponing. It’s a free online app that you can use to earn cash-back on your groceries, and other purchases by uploading your receipts. With this app, you get both discounts on your purchases and you can earn cash-back on your purchases over time.
How it works: Download the app (available on iOS and Android) or download Ibotta as a browser extension. Register on the app and start shopping, you earn cash-back on eligible purchases from grocery stores, pharmacies, restaurants, and even Amazon. You must provide proof of payment to earn your cash-back.
The amount you can get as cash-back per eligible item varies from $0.25 to $2.00. Once you have earned $20 in cash-back rewards, you can transfer this to your PayPal, Stripe, or bank account. Alternatively, you can select a digital gift card instead to withdraw your cash-back.
The app also allows you to earn cash-back and gift cards when making online purchases from participating stores such as Amazon through links from the app.
Tricks: Ibotta does not have restrictions on the use of multiple vouchers, so one way that you can save more, is to check if some discounted products in-store are also products you can earn cash-back on Ibotta. Combine offers from stores with those on Ibotta for additional savings. Another way you can earn extra cash is to encourage your friends to sign up to the app, you can get rewards for every friend that signs up by your referral.
Formerly known as Ebates, it is an app that rewards shoppers with cash-back on purchases from retailers, restaurants and food delivery services, and even travel and gift cards, when the purchase is made through the app. This app offers numerous cash-back options which will help you save and is also free to use.
How it works: Create an account through the app, select the stores you would like to shop from, complete your transaction through the app portal and earn cash-back instantly. To earn cash-back in-store, Rakuten also gives you the option to upload your credit or debit card for when you make in-store purchases. You just need to activate the deal through the app before you make the purchase in-store. This is quite an inconvenient process because it’s confirmed after several days.
You can earn 1% to 3% cash-back on qualifying purchases through Rakuten. The app also has a “where’s my cash-back” option you can use to follow up on your cash-back if it was not automatically given. Just have to fill out a form – they typically do not deny these requests.
Tricks: There is a welcome bonus for new users of $10 after your first qualifying purchase of $25. There are also opportunities to earn sign-up and referral bonuses.
This is a market research app where users complete market surveys and tasks to earn money. It customizes tasks based on your preferences and consumer habits. Users answer questions and give comments on products and services that they use, and are tasked to try products and services.
How it works: Register on the app and provide basic information including information about your preferences and consumer habits. Once you have completed this you will start receiving messages to alert you of new surveys and tasks.
You will earn rewards in ‘iPoll currency’ that can be redeemed as a gift card, or cashed out through PayPal from $10. You can share your thoughts on products and services honestly through quick polls and testing prototype products.Tricks: Surveys on this app are not exceedingly long, so try to complete as many as possible. Since the app is customizable, try to give interests that are easily accessible to you. When you register you are automatically entered into a quarterly prize competition of $10,000.
#8 Survey Junkie
This is an app you can use to earn extra cash by completing online surveys. Essentially you get paid for giving your opinion.
How to start: Simply sign up through the app or website and create an account. This requires some personal information including your ZIP code and country of residence. This app is only available for U.S. residents. You need to fill out your profile based on all your interests, such as if you have a pet, or smartphone, how much time you spend watching TV, etc. Once you have completed your profiles, Survey Junkie will begin to offer you paid surveys.
Each survey is worth a certain amount of points and can be redeemed for cash through PayPal, your bank account, or gift cards. The minimum amount you can redeem is $5 through Survey Junkie (this is equal to 500 points).
Tricks: Begin by completing profiles because you can start earning points for this. Make sure you qualify for the survey before you start giving feedback.
Things To Look Out For
There are a few things you should look out for when using money-making apps. Some apps will promise you more money than you can actually get, so it is good to be aware of a few things.
- How to redeem your points/rewards from the app
Some apps do not pay into your account but will offer gift cards and discounts at certain stores instead. Look out for apps like this because there is nothing worse than building points for cash, and only getting a gift card. In this regard, you must also note that with some apps, such as Money App, the onus is on advertisers and partners to pay out rewards and not Money App. So should anything happen with the app, Money App would not be obligated to pay out.
- How long payouts will take
Each app has its unique terms and conditions for payouts on points/rewards. You need to be aware of these, some apps only allow you to get a payout when you have reached a certain number of points. Others only pay out at certain points throughout the year.
- How you earn points/rewards from referrals
To make money, some apps will encourage you to refer a friend, your friends should either use the link you send them to sign up or refer you through the app by name and account. Other apps require your friend to first spend or become active on the app before you get any points/cash-back. Find out how you earn points from referrals on the app before you start referring friends.
FAQ about Money-Making Apps
- Do money-making apps really work?
These apps work but you need to have realistic expectations about the earning potential from apps to make money. With apps such as Swagbucks or Rakuten, you can earn quite a bit over time, but these are perfect for people who shop online. For greater earning potential, you would make more money with a gig/side-hustle app such as Uber or DoorDash.
- What are the best apps for making money fast?
Apps where you can sell products to buyers, or work a side gig that will make you more money than any of these money-making apps.
- Are money-making apps safe?
- How do you avoid scams?
User reviews are a great way to spot scam money-making apps, these are usually available on your Google Play Store or the App Store. You can also use Reddit for more honest reviews from users – people may ask for advice or report problems with a money-making app there.