Money Making

10 Best Money-Making Apps

July 27, 2021

69% of Americans have less than $1,000 in savings. While it’s important to pay off your debt, including your student loans, building an emergency fund is equally as important, especially in times like these. 

Whether you’re working from home or simply have extra time in the evenings and weekends to invest in your financial future, it’s actually quite easy to learn how to make money online. Money-making apps are plentiful, and the best part is that you can use multiple apps to even further increase your savings.

Not all money-making apps are created equal; some are easier to use than others and some offer more lucrative payouts. Here are our picks for the ten best money-making apps in 2020.

Best Money-Making Apps 2020

1. Ibotta

You can make extra money by shopping through the Ibotta app. This makes it one of the best money-making apps as it doesn’t require that you do anything extra besides shopping as you normally would. First, you can unlock rebates by completing simple tasks on the platform. You’ll earn points for each task that you can put towards purchases. Or, you can scan your product barcodes and submit your receipt for cash back, too. Within 48 hours, you’ll find the cash deposited into your account.

2. InboxDollars

InboxDollars made our list of the best paid survey sites for 2020, and for a good reason. It’s one of the more diverse sites for taking paid online surveys, meaning that you can do other things to earn money as well. You can make extra money by reading branded emails, completing surveys, playing online games, or even shopping for your favorite brands. Installing the browser plug-in is the easiest way to make money with InboxDollars. After you’ve earned at least $30, you’re able to request payments. So, increase your Walmart gift card balance or even earn more cash for your Visa gift card.

3. Lucktastic

Do you love scratch-offs? They’re pretty fun, right? While they can be addicting if you purchase them in real life, the Lucktastic app is a place where you can play digital scratch-offs for free. The odds of winning are about the same as playing real scratch-off cards, making it a bit difficult to really earn a lot of extra cash via the app. However, it’s still fun and incredibly easy. You can win anywhere from $1 to $10,000 and even win additional trips, products, and giveaways that have. If you don’t win on a card, you can gain tokens that you’ll later be able to redeem for gift cards from places such as Walmart and Amazon.

4. Field Agent

Even though the name of this money-making app makes it sound like you’re about to become a secret agent, Field Agent is far less dangerous yet equally as entertaining as the name suggests. The Field Agent app lets you search for “assignments” in your local area and claim them to earn extra cash. Each assignment pays anywhere from $1 to about $12 and requires you to complete super simple tasks such as scanning barcodes or taking photos of items inside of a store.

5. Shopkick

If you want to know how to make money while spending it, just download Shopkick. With this cashback app, you can earn rewards for shopping both online and in-store. Earn kicks when you visit our online partners from Shopkick, view select offers, or make online purchases. Or, you can earn cashback by heading to one of your favorite retailers, scanning select products, or submitting your receipts. They pay you in gift cards, though, so be sure to double-check whether or not you shop at the stores where the gift cards are for.

6. Gigwalk

Gigwalk is very similar to Field Agent except for the fact that these short, easy gigs pay quite a bit more. You can earn up to $100 per gig on Gigwalk for tasks such as taking and uploading photos from a store or even responding to questions. This is a great fit for those looking to earn serious cash from a money-making app as it appears that the platform is filled with numerous gigs for users to claim and complete. All payments are made via PayPal, so you’ll have to have a PayPal account to receive the cash.

7. MyPoints

MyPoints is another one of the best websites for earning money via paid surveys. Average survey takers earn about $2.50 per survey, but you can also earn points just by shopping at your favorite stores. And, aside from making extra money, you can also save a lot simply by shopping through the app. MyPoints members get up to 40% back with every purchase made at top retailers like Walmart, Best Buy, Home Depot, and Amazon.

8. Acorns

If you’d rather not take paid surveys or even shop online to earn extra money, you can always invest your spare change and let somebody else make money off of it for you. At least, with Acorns, you can. All you have to do is create an account and set up Automatic Roundup. Then, when you spend, they’ll round your purchase up to the nearest dollar and invest that spare change into a diversified portfolio controlled by a robo investor. It’s by far one of the easiest ways to earn extra money, and it’s a great way to prepare for your future and put money back for retirement.

9. Dosh

Dosh is a unique kind of cashback app in that it functions almost like cashback might when you spend with a savings-optimized credit card. You simply sign up, connect a card, and then get cash back when paying with your linked cards. The only catch is that you have to spend at one of Dosh’s approved stores or restaurants. But, there are thousands of them, so the chances are pretty high that you’ll be able to find a place where you can reap the benefits of Dosh’s 10% cashback deals.

10. SwagBucks

We’ve saved one of the best for last as SwagBucks is by far one of the best and most well-known money-making apps. While it’s a great place to earn money for taking surveys online, they’ve expanded the platform to now include money-making offers just for completing polls, watching videos, or buying things online. It’s diverse, which makes it great for those looking for a bit of variety.

Earn More Cheese with a Debit Card

Money-making apps are a great way to, well, make extra money. However, they’re not the only way to earn easy money fast. You can also sign up for a debit card that will help you make the most of your money. That’s what we care about here at Earn Cheese and it’s why we’ve worked so hard to optimize the kinds of rewards we offer our clients.

By signing up for our Cheese Debit Card, you’re able to access and unlock savings in the form of cashback and deposit bonuses. When you tack that onto the fact that the card comes with no monthly fees, no overdraft fees, and great interest rates, it’s just as lucrative as any savings app you’ll find online. Ready to get started? Sign up today.