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Here’s the scoop on nine free money-making apps. NerdWallet considered apps with at least 3.8 stars and 25,000 reviews in Google Play, the iOS App Store or both.
9 of the best apps to make money
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Key insights 💡
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1. Ibotta
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Bankers Life insurance riders
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OANDA
Accident-Only
AAA non-member rates
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LifeLock pros
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Zengo
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Expensify
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Missouri
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Family plans on a budget
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Tennessee
Best for emergency expenses coverage: American Collectors
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Rocket Money
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Guarda
What it looks like
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How much is Hulu?
Sample rates
How to contact Amica
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Texas
How to contact Bankers Life
But wait, there’s more
Wellness
Is MassMutual’s cash value life insurance worth it?
Exodus
Reimbursem*nt amounts
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How much is Disney+?
Armed Forces Insurance: Best military car insurance agency
Want to compare the best of the best?
How to contact Colonial Penn
How does MassMutual calculate the dividend payout?
I have a Transamerica cash value policy. What is the “surrender value,” and when does it pay out?
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Hartville: Best pet insurance for straightforward waiting periods
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1Money
Deductibles
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Xpert Assist
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How much is Peaco*ck?
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Reimbursem*nt amounts
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Qualifications for the driver
Car insurance costs for drivers with a DUI
Should I switch to Geico, or is it better to stay loyal to the same home insurer I’ve had for years?
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MetaMask
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Safeco home insurance vs. Travelers
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Coverage limits
How to contact New York Life
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Flooding
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Why did my Progressive home insurance rates go up?
Is Pawp good for pets with pre-existing conditions?
Tax Pro Chat
MetLife: Best pet insurance for discounts
Homeowners and renters insurance from Geico
What fees do Chase checking accounts have?
If you're audited
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Travelers home insurance vs. Geico
Allstate home insurance vs. Geico
Is Pawp good for people with multiple pets?
If you're audited
Tax Pro Review
Why it's the best
Intuit TurboTax Verified Pro
Does Chase have a free checking account?
Should you work with an agent or broker when buying Progressive home insurance?
Nor’easters
Why did my Lemonade home insurance premium go up?
Tornadoes
Allstate home insurance vs. Farmers
Winter weather
8. Premise
Nationwide home insurance vs. Allstate
Winter storms
What is the Chase checking account minimum balance requirement?
Amica home insurance vs. State Farm
Flooding
Sample rates
Geico home insurance vs. Allstate
Pumpkin vs. Lemonade
Nationwide home insurance vs. Geico
Does State Farm home insurance cover flood or water damage?
What is the Chase direct deposit requirement for checking accounts?
Ways to get help
Michigan Basic Property Insurance Association
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Figo vs. Healthy Paws
Will State Farm drop you for filing too many claims?
Ledger
Ways to get help
If you're audited
Healthy Paws vs. Trupanion
Hurricanes and tropical storms
9. Upside
Pumpkin vs. Spot
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📉 Cons
Amica homeowners insurance vs. Geico
If you're audited
Floods
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Pets Best: Best pet insurance for dogs
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Figo vs. Trupanion
Why it's the best
Farmers home insurance vs. Allstate
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Healthy Paws vs. Pets Best
Trezor
Tornadoes
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Embrace vs. Healthy Paws
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What are non-custodial crypto wallets?
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Spot: Best pet insurance for cats
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Embrace vs. ASPCA
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Rates for accident and illness coverage
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Waiting periods
Conditions common to your dog’s breed
Your dog’s energy and activities
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Decide whether your cat needs insurance
Wellness expenses
1. Check whether your pet is eligible
2. Research what’s covered
3. Decide how much coverage you want
4. Understand reimbursem*nts and deductibles
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Which pet insurance can you use right away?
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Methodology
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Autotrader
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Hybrid approach
OppLoans: No-credit-check, high-interest loans
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EarnIn: No-credit-check cash advances
Brigit: No-credit-check cash advances
Afterpay: No-credit-check buy now, pay later loans
Affirm: No-credit-check buy now, pay later loans
Striven
National Funding
Square Invoices
PowerChurch
QuickBooks Online
ACE
Wave Accounting
Bookkeeper360: Best overall bookkeeping service
Zoho Inventory
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Local and interstate moves
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American Family
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Pros
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International moves
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Self-setup
Cinch Home Services Plans
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LiftFund
Cliniko
OnDeck
Merritt Bookkeeping: Best for businesses on a budget
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Xero
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Solar panels
Sage Intacct
What fees does MoneyLion charge on Instacash advances?
FreshBooks
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Cons
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Storage
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Cons
Zoho Books
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Making a claim
Southwest Georgia United
Bench: Best for new businesses
Lightspeed
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Amica
ZipBooks
Zoho Invoice
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Premiums
Medicare Select policies add network requirements
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No-credit-check high-interest installment loans
Albany Community Together
Medicare Select policies add network requirements
Pilot: Best for fast-growing startups
Sortly
Solar batteries
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FreshBooks
Medicare Select policies add network requirements
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Security
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Car and vehicle shipping
Easy device setup
Copays, coinsurance and deductibles
Bank of America
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NetSuite
Nolo’s Quicken WillMaker: Best all-inclusive
Odoo
Premiums
Xero
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Rocket Lawyer: Best customer service
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Add-on coverage for dental and vision
Plan G
No-credit-check cash advance apps
Realm
Test mode
Plan G
Add-on coverage for dental and vision
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Sage 50 Accounting
Auto-Owners
Can I change my Dave ExtraCash due date?
Small Business Assistance Corporation
Rocket Lawyer: Best customer service
Salesbinder
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Plan N
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Easy to arm and disarm
Plan G
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Plan G
Wellcare Medicare Part D premiums and deductibles
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Plan N
QuickBooks Live: Best for QuickBooks users
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💬 From our Nerds: Are Mutual of Omaha Rx plans good Medicare Part D options?
LegalZoom: Best state-specific legal advice
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Will EarnIn’s Cash Out cause an overdraft fee?
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Plan N
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Triton Capital
GoodTrust: Best for digital assets
Zoho Books
Hiveage
No-credit-check buy now, pay later loans
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Brightbook
Plan N
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Xero
Plan G
Mutual of Omaha Medicare Part D premiums and deductibles
Discounts
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Types of quotes
Will MoneyLion’s Instacash advance cause an overdraft fee?
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Plan G
Cin7
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Wave Accounting
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Is EarnIn legit?
Delta Community Credit Union
Customization
The quote process
Plan N
No-credit-check bank loans
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AARP membership
State Farm
Multiple apps needed for Nest integration
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Will SoLo Funds cause an overdraft fee?
54% fewer complaints than average
Plan N
FreshBooks
The quote process
Harvest
$0-deductible options
JR Capital
1-800Accountant: Best for tax support
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$0-deductible options
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How do I contact SoLo Funds customer service?
Dental and vision add-ons
ProfitBooks
QuickBooks Enterprise
$0-copay options
AM Best Financial Strength Rating: A (Excellent) for most
No-credit-check payday loans
Zoho Books
Affordability: 3.0/4 stars
Structure: 3/4 stars
Citizens Bank of Georgia
Is SoLo Funds Legit?
Backbar
Fitch Ratings Insurer Financial Strength: AA- (very strong)
Affordability: 2.5/4 stars
75% for member benefits
What customers like about it
Credit-builder loan
Copay vs. coinsurance requirements
Structure: 3.5/4 stars
Some Nest devices aren’t supported
$0-copay options
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J.D. Power Ranking
QuickBooks Enterprise
Striven
Structure: 3.5/4 stars
J.D. Power Ranking
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What customers like about it
Invoice Home
Transparency: 4.0/4 stars
Liberty Home Guard
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Balboa Capital
Decimal: Best for project-based businesses
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Travelers
Sensor install
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Manager
What customers don’t like about it
Underwriting and consumer protections: 3.0/4 stars
Customer experience: 3.5/4 stars
Wells Fargo
NCQA Score Range: 2.5 to 4.0 out of 5
Monitoring
Katana
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AM Best Financial Strength Rating: A+ (Superior)
NCQA Score Range: 2.0 to 3.0 out of 5
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Overdraft protection
AM Best
Old Republic Home Protection
Underwriting and consumer protections: 1.5/4 stars
Affordability: 3/4 stars
Customer experience: 3.5/4 stars
Discretionary additions or deductions
J.D. Power Ranking
AM Best Financial Strength Rating: A (Excellent)
Wave Accounting
Transparency: 4/4 stars
Online loans
Wave Accounting
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American Home Shield Home Warranty
inDinero: Best for midsize businesses
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Expert take on Dave
Budgeting assistance
Discretionary additions or deductions
Transparency: 4/4 stars
U.S. Bank
NCQA Score Range: 2.0 to 4.5 out of 5
J.D. Power Ranking
Xero
Wave Invoicing
Hopscotch
Co-signed or joint loans
J.D. Power
Brigit
GnuCash
Brightpearl
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Expert take on EarnIn
Help finding cash and savings
Choice Home Warranty
Underwriting and consumer protections: 2.5/4 stars
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Scalability
Ease of use
Software integrations
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Brigit
USAA
Fundbox
NCQA Score Range: 2.5 to 4.5 out of 5
AccuFund
Discretionary additions or deductions
Secured loans
NCQA
Brigit
Customer experience: 3/4 stars
Solar panels
Affordability: 2.5/4 stars
Empower
Expert take on MoneyLion Instacash
Discretionary additions or deductions
Solar roof
💬 From our Nerds: Is Aetna Medicare Advantage good insurance?
Family loans
Structure: 3/4 stars
Empower
Liberty Home Guard
What customers like about the home warranty
Finale Inventory
Brigit
EarnIn
Is the bookkeeping service compatible with your accounting method?
Expert take on Solo Funds
Transparency: 4/4 stars
Fora Financial
American Home Shield
What customers don’t like about the home warranty
Payment plans
Brigit
Does it integrate with your accounting software?
💬 From our Nerds: Tips for setting up your inventory system
Features
Cost
Integrations
Ability to track items sold in different places
Underwriting and consumer protections: 3/4 stars
Old Republic Home Protection
Powerwall batteries
Empower
Credit union loans
Do you need add-on services outside of basic bookkeeping tasks?
Customer experience: 3.5/4 stars
Solar inverter and shutdown device
Capital Good Fund
Empower
Free accounting software features
Will you require catch-up bookkeeping services?
Discretionary additions or deductions
Funding Circle
How often do you want to communicate with your bookkeeper?
Expert take on Brigit
Mobile app and cloud access
Dave
American Home Shield Home Warranty
What’s your online bookkeeping services budget?
Scalability
Liberty Home Guard
What customers like about Tesla
Ease of sharing with your bookkeeper or accountant
Empower
Choice Home Warranty
What customers don’t like about Tesla
Cinch Home Warranty
Equipment financing vs. equipment leasing
1. Determine the size of your loan
2. Review your qualifications
3. Gather documentation and apply
Insurance costs
Insurance costs
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BILL Divvy Corporate Card
Menu and inventory management
Holdings High-Yield Cash Account
Customer orders
Mobility
Fleet expense management tools
Additional sales tools
U.S. Bank Platinum Business Money Market Account
Customer support
Hardware options
Live Oak Business CD
Other business savings accounts to consider
Cheapest for 20-year-olds
Cheapest for 20-year-olds
Cheapest for 35-year-olds
Cheapest for 35-year-olds
Cheapest for 20-year-olds
Average car insurance rates in San Diego by age
Average car insurance rates in San Diego by age
Cheapest for 60-year-olds
Cheapest for 60-year-olds
Cheapest for 35-year-olds
Cheapest for 20-year-olds
Cheapest for 20-year-olds
Cheapest for 35-year-olds
Good drivers
Cheapest for 60-year-olds
Cheapest for 35-year-olds
Good drivers
Drivers with a DUI
Cheapest for 60-year-olds
Drivers with a DUI
Cheapest for 60-year-olds
Good drivers
Drivers with an at-fault accident
Drivers with an at-fault accident
Drivers with a DUI
Good drivers
Good drivers
Drivers with a DUI
Drivers with an at-fault accident
Drivers with a DUI
Drivers with a speeding ticket
Drivers with an at-fault accident
Drivers with an at-fault accident
Drivers with a speeding ticket
Drivers with a speeding ticket
The best money-making apps
1. Ibotta
Ibotta lets you earn cash back on in-store and online purchases at over 2,000 supported retailers. Originally for groceries, it has expanded to include clothing, entertainment and eating out, pet supplies and other categories. Offers can be product or retailer-specific. For others, you’ll need to complete an additional task such as watching a video or taking a poll.
There are three possible ways to earn cash back in stores: Add offers and submit your receipt in the app after your shopping trip (you have 7 days to send in your receipt through the app), link your retailer loyalty accounts or purchase a retailer gift card through the Ibotta app. For online purchases, you shop through the app or with the Ibotta browser extension on your computer.
Payment: PayPal, digital gift card or direct to a bank account.
Pros: You’ll receive cash back on in-store purchases quickly — typically within 24 hours. Ibotta also offers a welcome bonus to new users, referral bonuses and a variety of payment methods.
Cons: Making money can be a slow process. You must have at least $20 in cash back to redeem your earnings (some gift cards require at least $25 in earnings). For online shopping, the pending period for earning cash back varies by retailer. Ibotta also charges an account maintenance fee for inactive (no activity for 180 days) or deactivated accounts. The fee is deducted from your balance, not your bank account.
2. Rakuten
How it works: Rakuten (formerly known as Ebates) rewards shoppers with cash back on purchases from well-known retailers, restaurants and food delivery services. Users can also earn cash back on travel, gift cards and more. It’s straightforward: Create an account, tap on the store where you want to shop in the app, then make the transaction through the portal. You can also link a credit or debit card to your Rakuten account to earn cash back in-store — as long as you activate the deal through the app first. Rakuten credits the cash back to your account after it confirms the purchase with the retailer.
Payment: PayPal or "Big Fat Check."
Pros: Thousands of stores and purchases are eligible for cash back, so you’ll likely find deals where you already shop. New users can earn a welcome bonus after their first qualified purchase. You can also earn welcome and referral bonuses. You can make an impact with your cash back earnings by donating a portion to nonprofit partners.
Cons: As with most cash-back services, you have to spend money to make money. You won’t see your earnings right away, either; Rakuten sends out payments every three months on the company's payment schedule, and you need to hit the minimum cash-back balance to get paid. Unlike other apps like Ibotta, you have to remember to initiate your purchase in the app first. If you forget and make your purchase outside of the app, you can't get credit retroactively.
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3. Swagbucks
How it works: Swagbucks is a cash-back and rewards app. You earn points, called "SB," by shopping online (there are over 1,500 participating retailers), taking surveys, watching videos, playing games or fulfilling other tasks through Swagbucks. You can redeem those points for gift cards, prepaid Visa cards or get cash back to your PayPal account. The total points awarded can vary by task. For example, surveys are typically worth about 40 to 200 SB points each. The minimum balance required to redeem depends on the payout option you choose, but some gift cards are available for as low as 300 SB.
Payment: E-gift card, prepaid Visa card or PayPal. You can also redeem SB for Bitcoin through the new Cryptovoucher Gift Card options.
Pros: Swagbucks offers many easy ways to earn rewards, and there’s no waiting period to cash in. Payments usually arrive within 10 business days after redemption. You can also get a $10 bonus with a qualifying $25 purchase when you join.
Cons: It doesn’t pay much; one SB is worth about a cent. With many tasks valued at pennies, it can take a fair amount of time and effort to make substantial money. Additionally, you won’t qualify for every survey or task, although users can earn up to 5 SB per day if they disqualify. Users often report getting kicked out of surveys in the middle of taking them. This can be due to demographics or dishonest or inconsistent answers, according to Swagbucks.
4. Fiverr
How it works: Fiverr is a freelancing marketplace that features gigs in over 200 categories, such as musician and video and animation. Create an account first, then you can set your profile as a "seller" highlighting your expertise. Post the gig you’re offering, which will include pricing and a description of your services. Pricing ranges from $5 to $995. Clients, known as "buyers," can click through and place orders. You’ll get paid once you complete the job. Fiverr assigns seller levels based on performance. As you move up each tier, you’ll be able to sell more “extras,” such as paid consultations.
Payment: PayPal, direct to a bank account, Payoneer or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and your payment processor may charge a withdrawal fee, depending on which option you choose.
Pros: You don’t have to worry about tracking down buyers because they come to you. You can also earn tips. Fiverr also boasts its flexibility, allowing sellers to complete gigs in their own time or around their 9-5 jobs.
Cons: Fiverr takes 20% of your earnings for every gig, including tips, and there’s a standard 14-day waiting period to withdraw money after completing an order (top-tier sellers wait seven days for funds to clear).
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5. Upwork
Upwork connects freelancers to gigs in writing, design, marketing and other categories on the marketplace. First, you’ll create a profile. It should include information such as the field you’re interested in plus your qualifications, availability and desired rate. Then, you can submit proposals. Clients will review them and offer projects if you seem like a good fit.
You begin each month with a set number of “Connects,” which are like credits that allow you to contact prospective clients. You can earn or pay a small sum for more Connects, but you won’t be charged when clients contact you. You can get paid on an hourly or per-project basis.
Payment: Direct to U.S. Bank, direct to your bank account, wire transfer, Instant Pay, PayPal and Payoneer. Charges apply to some payment options, so be sure to check Upwork for details.
Pros: Upwork helps take the work out of seeking out clients, establishing relationships and getting paid. The service also gives you the flexibility to set your preferred rate and schedule.
Cons: The app is free to download, but initiating contact with lots of clients costs money. Users also get charged a service fee. Upwork takes a 10% cut of your earnings based on how much you’ve billed a client. The more you earn, the more you get to keep. However, you won’t get paid until 10 days after the billing period ends. Remember, too, that you’re competing with other freelancers on the platform. That means clients may choose those who’ve set lower rates.
6. OfferUp
How it works: OfferUp, which combined with competitor Letgo in 2020, functions as a local marketplace you can use to sell your stuff. If you want to reach a broader audience, OfferUp also allows shipping anywhere within the United States except for Alaska, Arkansas and Hawaii. Create an account and snap a picture of your smartphone, car, sofa or whatever it is you’re selling. Once you add a title, description and price, you can post your listing and chat with buyers directly through the app. Then, you'll ship to or arrange a meeting with the buyer.
Payment: When selling locally, OfferUp recommends sellers take cash from buyers and stay clear of accepting payments by check, cashier's check or using other apps. For shipments, sellers can set up deposits to a debit card or bank account.
Pros: Creating a listing is simple and fast, and you’ll get paid instantly when you make a cash sale. You can also view a prospective buyer’s reviews and ratings to get an idea of how trustworthy they are beforehand. If you ship your item, the buyer pays the cost, and OfferUp provides the label.
Cons: You’re responsible for meeting local buyers in person and handling transactions. Sellers must pay a 12.9% service fee, or a minimum of $1.99, for shipments. To be successful, you’ll likely need to invest in a printer so you can print the shipping labels and mail items to buyers.
7. Poshmark
How it works: The Poshmark app is tailor-made for selling clothes, accessories and even home decor. After signing up, you take or upload photos of your item, fill out a description, price it and share the listing. You can also feature items in the app’s "Posh Parties," which are virtual shopping events centered around particular brands, categories and themes. Poshmark emails you a prepaid and pre-addressed shipping label once a purchase is made. Then, you send the package via USPS.
Payment: Check, PayPal, Venmo, Instant Transfer or direct deposit to a bank account.
Pros: Poshmark facilitates the entire process, from selling to shipping. Plus, you don’t have to meet with strangers to make a sale. The company will cover lost packages and handle issues between you and the buyer. Getting paid is relatively quick, too; Poshmark issues the money within three days of the buyer receiving the order.
Cons: You’ll pay a fee for selling through Poshmark. The company takes a $2.95 commission for sales under $15 and a 20% commission for sales of $15 or above.
8. Premise
How it works: Premise is a task-based app that provides rewards for users who complete simple tasks. You get paid for sharing local insights to help businesses and communities. Some options include sharing information and photos on what’s happening in your area like traffic jams and local events or taking surveys. You create an account by signing up with an email address. Once enrolled, you can browse the app for activities to complete for cash. You can also set notifications to receive the latest tasks available.
Payment: PayPal, Bitcoin or Payoneer.
Pros: The app markets itself as a community-first service where your opinion can help shape your community. Tasks may be associated with public service entities like libraries, hospitals, stores and governance-related activities.
Cons: Depending on where you live, there may be limited tasks available. Some users state the app itself is also challenging to use, making it difficult to locate the items or tasks in a community.
9. Upside
How it works: Upside provides cash back for gas, grocery and restaurant purchases. On average, Upside says users earn 8% cash back on groceries and dining, and there are more than 50,000 retailers and restaurants that participate. Once you sign up, you claim offers through the app and pay for your purchase as you normally would with a credit or debit card. You’ll either check in on the app or scan your receipt to earn your reward. You can cash out anytime.
Payment: PayPal, gift cards or deposit to your bank account.
Pros: Upside focuses on daily essential purchases that many consumers may already be making. According to the app, frequent users earn more than $300 annually by adding Upside to their normal routine.
Cons: The app doesn’t always work as it should, according to several user reviews. To be successful, you’ll have to have the patience to work through technical issues and the receipt uploading process, which some users say isn’t worth the time investment for a minor payout.
