The concept of making money through your smartphone has become a reality for millions of people worldwide. With the proliferation of mobile apps, there are now numerous opportunities to generate income from the palm of your hand. Whether you’re looking to supplement your existing income or embark on a full-fledged online earning journey, these 10 money-making apps have the potential to put an extra $100 in your pocket daily. From cashback rewards to gig economy platforms and investment tools, we’ll explore a diverse range of apps that offer lucrative opportunities for those willing to put in a bit of time and effort.
Here are some legitimate apps and methods that have the potential to help you earn extra money, but they may not guarantee $100 daily.
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1. Swagbucks
Swagbucks allows you to earn points (SB) for various activities like surveys, watching videos, and shopping online. You can redeem SB for gift cards or PayPal cash.
2. Survey Junkie
This platform offers paid online surveys. You can participate in surveys and redeem your earnings through PayPal or gift cards.
3. Ibotta
Ibotta provides cashback on everyday purchases when you upload your receipts. It’s particularly useful for grocery shopping and online purchases.
4. Gig apps (Uber, Lyft, DoorDash)
If you have a car, you can consider driving for rideshare or delivery apps. Earnings can vary depending on your location and the hours you put in.
5. Freelance platforms (Upwork, Fiverr)
If you have skills in writing, design, programming, or other areas, you can offer your services on freelancing platforms.
6. User Testing
This platform pays you for testing websites and providing feedback on your user experience.
7. Amazon Mechanical Turk
You can complete tasks, or “HITs,” on this platform for small payments. These tasks can vary in complexity and payout.
8. Acorns
Acorns is an investment app that rounds up your everyday purchases to invest your spare change. While it won’t provide immediate earnings, it can help you grow your savings over time.
9. Rakuten
Rakuten (formerly Ebates) offers cashback for online shopping when you shop through their links. You can receive your earnings via check or PayPal.
10. Robinhood
Robinhood is a commission-free stock trading app. While it’s primarily an investment platform, you can potentially earn money by buying and selling stocks or cryptocurrencies.
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Swagbucks
Swagbucks is a popular online rewards and cashback platform that allows users to earn points, known as Swagbucks (SB), for various online activities. These activities include:
- Online Surveys: Swagbucks offers a variety of surveys that you can complete for SB. The length and payout of surveys can vary.
- Online Shopping: You can earn SB by shopping through Swagbucks’ links at various online retailers. The amount of cashback you receive is a percentage of your purchase amount.
- Watching Videos: Swagbucks provides a platform where you can watch short video clips or advertisements in exchange for SB.
- Searching the Web: You can use the Swagbucks search engine to earn SB while conducting web searches.
- Playing Games: Swagbucks offers games you can play to earn SB. These are typically simple online games.
- Completing Offers: Swagbucks often has offers from third-party companies that you can complete for SB. These offers may include signing up for free trials or subscribing to services.
- Referring Friends: You can earn SB by referring friends to Swagbucks. You’ll receive a percentage of their earnings for a limited time.
Once you’ve accumulated enough SB, you can redeem them for various rewards, including:
- Gift cards to popular retailers like Amazon, Walmart, and Starbucks.
- PayPal cash deposits.
- Charity donations.
Swagbucks is a legitimate platform, and many users have successfully earned rewards through it. However, it’s important to keep in mind that while you can earn money through Swagbucks, it’s unlikely that you’ll consistently earn $100 daily. The amount you earn will depend on the time and effort you invest, as well as the available offers and surveys in your region.
To maximize your earnings on Swagbucks, consider setting realistic goals and consistently engaging in activities that offer higher SB payouts. Additionally, be cautious of offers that require you to provide personal information or make purchases, and only participate in activities that you feel comfortable with.
Survey Junkie
Survey Junkie is an online platform that allows users to participate in paid online surveys and earn rewards for providing their opinions and feedback on various products and services. Here’s how Survey Junkie works:
- Sign Up: To get started, you’ll need to create a Survey Junkie account. Signing up is usually free and straightforward.
- Profile Completion: After signing up, you’ll typically be asked to complete a profile questionnaire. This helps Survey Junkie match you with relevant survey opportunities based on your demographic information.
- Survey Opportunities: Survey Junkie will present you with a list of available surveys that match your profile. Each survey will indicate the estimated time it takes to complete and the SB (Survey Junkie’s virtual currency) reward you’ll receive for finishing it.
- Participate in Surveys: You can choose the surveys you’re interested in and start participating. The surveys cover a wide range of topics, and your feedback helps companies make informed decisions about their products and services.
- Earn SB: Upon completing a survey, you’ll earn SB, which will be credited to your Survey Junkie account. The amount of SB you earn per survey can vary depending on its length and complexity.
- Redeem Rewards: Once you’ve accumulated a certain amount of SB, you can redeem them for rewards. Survey Junkie offers various redemption options, including PayPal cash transfers and e-gift cards to popular retailers.
Survey Junkie is considered a legitimate platform for earning a bit of extra money online by sharing your opinions. However, it’s essential to keep in mind the following points:
- Earnings may not be substantial: While you can earn money through Survey Junkie, it’s unlikely to provide a full-time income. The amount you can make depends on the number of available surveys, your demographics, and how many surveys you qualify for and complete.
- Survey availability varies: The number of surveys available to you may fluctuate based on your location, profile, and the market research needs of companies at any given time.
- Privacy and security: Survey Junkie typically maintains strict privacy and data protection standards. However, always be cautious about sharing personal information and use strong, unique passwords.
- Be patient: It may take some time to accumulate enough SB to redeem for meaningful rewards.
Survey Junkie can be a convenient way to earn a little extra money or gift cards by providing your opinions, but it’s important to set realistic expectations about the potential earnings and use it as a supplementary income source rather than a primary one.
Ibotta
Ibotta is a popular cashback and rewards app that allows users to save money on everyday purchases by offering cashback on a variety of products, both in-store and online. Here’s how Ibotta works:
- Sign Up: To get started with Ibotta, you’ll need to download the app and create an account. The app is available for both Android and iOS devices, and signing up is free.
- Browse Offers: Once you’ve created an account, you can browse through a wide range of cashback offers available on Ibotta. These offers can include grocery items, household products, clothing, electronics, and more.
- Add Offers: To redeem a cashback offer, simply add it to your Ibotta account by clicking on it. Some offers may require you to watch a short video or answer a survey question to unlock them.
- Shop: Go shopping as you normally would, both in physical stores and online. Make sure to purchase the products that are part of the Ibotta cashback offers you added to your account.
- Upload Receipts: After making your purchases, take a photo of your receipt within the Ibotta app. Ibotta uses this to verify your purchases and credit your account with cashback.
- Earn Cashback: Ibotta will review your receipt and credit your account with the corresponding cashback amount for each qualifying purchase. The cashback is typically added to your Ibotta account within 24 hours.
- Redeem Earnings: Once you’ve accumulated a certain amount of cashback in your Ibotta account, you can redeem it for real money via several options, including PayPal, Venmo, or gift cards to various retailers.
- Bonuses and Referrals: Ibotta often offers bonuses for completing specific tasks or redeeming a certain number of offers. You can also refer friends to Ibotta and earn additional bonuses when they sign up and use the app.
Ibotta is a legitimate and widely used cashback app that can help you save money on your everyday purchases. While the amount you can earn from Ibotta depends on your shopping habits and the available cashback offers, it can be a useful tool for supplementing your income and getting discounts on items you would buy anyway.
It’s important to note that Ibotta’s offers and cashback rates can change regularly, so it’s a good idea to check the app frequently for new opportunities to save. Additionally, make sure to follow the app’s guidelines for uploading receipts and verifying purchases to ensure you receive your cashback rewards.
Gig apps (Uber, Lyft, DoorDash)
Gig economy apps like Uber, Lyft, and DoorDash provide opportunities for individuals to earn money by providing transportation or delivery services. Here’s an overview of how these apps work:
- Uber:
- Ridesharing: Uber allows drivers to offer rides to passengers using their own vehicles. Passengers request rides through the Uber app, and drivers can accept these requests.
- Earnings: Drivers earn money based on the number of trips completed and the distance traveled. Earnings can vary depending on factors like location, time of day, and surge pricing during high-demand periods.
- Flexibility: Uber drivers have the flexibility to choose when they work and can log in and out of the app as they please.
- Lyft:
- Ridesharing: Lyft operates similarly to Uber, offering rides to passengers who request them through the Lyft app. Drivers use their own vehicles.
- Earnings: Like Uber, Lyft drivers earn money based on the number of rides they complete and the distance traveled. They may also receive tips from passengers.
- Flexibility: Lyft drivers enjoy flexible work schedules and can choose their own hours.
- DoorDash:
- Food Delivery: DoorDash is a food delivery platform that connects drivers (known as “Dashers”) with customers who want food delivered from local restaurants.
- Earnings: Dashers earn money based on the number of deliveries completed. Earnings include a base pay, tips from customers, and potential bonuses for peak times.
- Flexibility: Dashers have the flexibility to work on their own schedules and can log in and out of the app as needed.
Key points to consider when working with these gig economy apps:
- Vehicle Requirements: Depending on the app and your location, there may be specific vehicle requirements that drivers must meet. Ensure your vehicle meets these standards.
- Background Checks: Most gig economy apps conduct background checks on drivers to ensure safety for passengers or customers.
- Insurance: Drivers are often required to have appropriate insurance coverage, which may include personal auto insurance as well as additional coverage provided by the app while actively driving.
- Ratings and Reviews: Your performance as a driver or Dasher can impact your earnings. Good customer service and maintaining high ratings are essential for earning tips and incentives.
- Expenses: Drivers are responsible for their own expenses, including fuel, vehicle maintenance, and taxes.
- Market Demand: Earnings can vary based on the level of demand in your area and the times you choose to work. High-demand periods often yield higher earnings.
While gig economy apps like Uber, Lyft, and DoorDash provide opportunities for flexible income, it’s important to thoroughly understand the terms and conditions, requirements, and potential expenses associated with each platform before signing up. Additionally, consider the safety and liability aspects when providing services through these apps.
Freelance platforms (Upwork, Fiverr)
Freelance platforms like Upwork and Fiverr offer opportunities for individuals to offer their skills and services to a global marketplace. These platforms connect freelancers with clients seeking various services, such as writing, design, programming, and more. Here’s an overview of how these platforms work:
- Upwork:
- Profile Creation: Freelancers create profiles on Upwork, highlighting their skills, work experience, and expertise. Clients also create profiles to post job listings.
- Job Listings: Clients post job listings or projects with detailed descriptions, budget expectations, and deadlines.
- Bidding: Freelancers can browse job listings and submit proposals, including their proposed fees and the reasons they are a good fit for the project.
- Contracts: When a client chooses a freelancer for their project, they create a contract with agreed-upon terms, including payment milestones.
- Work and Payment: Freelancers complete the project and submit their work to clients. Clients review the work and release payment through Upwork’s secure payment system.
- Reviews and Ratings: After the project is completed, both clients and freelancers have the opportunity to leave reviews and ratings for each other.
- Fiverr:
- Service Listings: On Fiverr, freelancers create “gigs,” which are specific service listings that outline what they offer, the cost, and delivery timeframes.
- Client Selection: Clients browse Fiverr and select freelancers based on their gigs. They can also contact freelancers for custom offers.
- Order Placement: Clients place orders by selecting a gig and providing project details, payment, and any necessary instructions.
- Service Delivery: Freelancers complete the work and deliver it to clients within the agreed-upon timeframe.
- Reviews and Ratings: Clients can leave reviews and ratings for the freelancers, and freelancers can do the same for clients.
- Payment: Fiverr holds payment in escrow until the client is satisfied with the work. Once the client approves the order, the payment is released to the freelancer.
Key considerations for freelancers on these platforms:
- Competition: These platforms have a large pool of freelancers, so competition can be intense. Crafting a strong profile, bidding (in the case of Upwork), and offering competitive services are essential.
- Client Relationships: Building positive client relationships and earning good reviews can lead to repeat business and long-term clients.
- Payment and Fees: These platforms typically charge fees, which can vary based on the platform and the type of service. Be sure to understand the fee structure and payment process.
- Skill Development: Freelancers should continually work on improving their skills and staying up-to-date with industry trends to remain competitive.
- Communication: Effective communication with clients is crucial for understanding project requirements and expectations.
Freelance platforms like Upwork and Fiverr can be a valuable source of income for skilled individuals. However, success often depends on the freelancer’s ability to market themselves effectively, provide high-quality work, and maintain professionalism in client interactions. It’s important to thoroughly read and understand the terms and policies of these platforms to ensure a positive and successful freelance experience.
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User Testing
User Testing is a platform that connects businesses and website/app owners with users who provide feedback and insights on their digital products, such as websites, mobile apps, and prototypes. Here’s how User Testing works:
- Sign Up: Users interested in participating in tests can sign up as testers on the User Testing website. The sign-up process typically involves providing some basic demographic information and completing a sample test to demonstrate your ability to provide feedback effectively.
- Profile Creation: Once registered, testers create a profile that includes information about their demographics, interests, and technology devices they use (e.g., smartphones, desktops).
- Test Opportunities: Companies or individuals seeking user feedback post test opportunities on the User Testing platform. These tests can vary in scope and may involve tasks like navigating a website, providing feedback on a mobile app, or testing a specific feature.
- Screening: Testers may need to complete a brief screening questionnaire to determine if they match the target audience for a particular test. This ensures that the feedback received is from users who represent the intended audience.
- Test Execution: If selected for a test, testers are given instructions on what tasks to perform while recording their screen and speaking their thoughts aloud. Testers typically use User Testing’s screen recording and microphone functionality to complete the tasks.
- Feedback Submission: After completing the assigned tasks and providing verbal feedback, testers submit their recorded sessions to the User Testing platform.
- Compensation: Testers receive compensation for their participation in the form of cash or gift cards. The payment amount varies depending on the length and complexity of the test.
- Rating and Review: Testers may be rated by the test requester based on the quality of their feedback and the accuracy of their responses. Consistently providing valuable feedback can lead to higher ratings and more test opportunities.
Key considerations for users interested in participating in User Testing:
- Device and Internet Requirements: You’ll need a computer, smartphone, or tablet with a reliable internet connection to participate in tests.
- Communication Skills: Effective communication skills are important, as you’ll be asked to speak your thoughts aloud while completing tasks.
- Demographic Information: Some tests may target specific demographics, so it’s helpful to have a well-filled profile to increase your chances of being selected for tests.
- Flexibility: Test opportunities may not always be available, so flexibility in your schedule is beneficial.
User Testing is a legitimate platform that allows individuals to earn money by providing valuable user feedback. However, the availability of tests can vary, and earnings may not be consistent or substantial. It’s essential to check the platform regularly for available test opportunities and to provide thoughtful, honest feedback to increase your chances of being selected for future tests.
Amazon Mechanical Turk
Amazon Mechanical Turk (MTurk) is an online platform operated by Amazon that offers a marketplace for tasks known as Human Intelligence Tasks (HITs). These tasks are typically small, repetitive, and often require human judgment or input. MTurk connects requesters (individuals, organizations, or businesses) who need tasks completed with workers (often referred to as “Turkers”) who are willing to perform those tasks for payment. Here’s how Amazon Mechanical Turk works:
For Requesters:
- Task Posting: Requesters create and post HITs on the MTurk platform. HITs can include a wide range of tasks, such as data entry, image labeling, surveys, content moderation, and more. Requesters specify the qualifications required to complete the tasks and the payment for each HIT.
- Worker Qualifications: Requesters can set qualifications for workers to ensure that only individuals who meet certain criteria (e.g., location, HIT approval rate, or specific qualifications) can access and complete their tasks.
- Task Review and Approval: After workers complete the HITs, requesters review the results. They can choose to accept, reject, or request revisions for the work. Workers are paid for accepted HITs.
- Payment: Requesters fund their MTurk accounts and pay workers for the completed tasks. The payment can be in the form of Amazon.com gift cards or direct payments to workers’ bank accounts.
For Workers:
- Account Creation: Workers sign up for an MTurk account, providing personal information and bank account details if they wish to receive direct payments.
- Task Discovery: Workers browse available HITs on the platform. They can filter tasks by criteria such as payment amount, qualifications required, and task type.
- Task Completion: Workers select HITs they are interested in and complete the assigned tasks according to the requester’s instructions. Some HITs may involve answering surveys, transcribing audio, categorizing content, or other microtasks.
- Payment: After completing HITs and having them approved by the requester, workers earn money. They can request payments or transfers to their bank accounts, or they can choose to accumulate their earnings as Amazon.com gift card credit.
Key points to consider about Amazon Mechanical Turk:
- Payment: Earnings from MTurk can vary widely based on the complexity and duration of tasks. Some tasks may pay only a few cents, while others pay more, but it’s unlikely to provide a full-time income.
- Availability: The availability of HITs can vary depending on the time of day and the requester’s location.
- Quality Control: Requesters play a crucial role in maintaining quality control. Some requesters provide clear instructions and fair compensation, while others may have more demanding or unclear requirements.
- Feedback: Workers and requesters can leave feedback for each other, which can affect their reputation on the platform.
- Taxes: Income earned on MTurk may be subject to taxes, so workers should be aware of their tax obligations.
Amazon Mechanical Turk can be a source of supplemental income for individuals who are willing to perform microtasks online. However, it may not be a reliable or sustainable primary source of income due to the variability in task availability and earnings.
Acorns
Acorns is a financial app and investment platform that aims to make saving and investing easy for individuals, especially those who are new to investing. The app rounds up your everyday purchases to the nearest dollar and invests the spare change in a diversified portfolio of exchange-traded funds (ETFs). Here’s how Acorns works:
- Sign Up: To get started with Acorns, you need to download the app and create an account. You’ll provide personal information, including your financial goals and risk tolerance.
- Link Your Accounts: Acorns allows you to link your bank accounts and credit/debit cards to the app. This enables Acorns to track your everyday transactions.
- Round-Up Purchases: When you make a purchase using a linked account or card, Acorns rounds up the transaction to the nearest dollar. For example, if you spend $3.50 on coffee, Acorns will round it up to $4 and invest the extra $0.50.
- Investment Portfolio: Acorns offers a selection of portfolios that are created and managed by experts. These portfolios are designed to match different risk profiles, from conservative to aggressive. Based on your risk tolerance and financial goals, Acorns will allocate your spare change into a diversified portfolio of ETFs.
- Automatic Investing: Acorns automatically invests your spare change and any recurring contributions you set up. You can also make one-time deposits into your Acorns account.
- Fees: Acorns charges a monthly fee, which is typically a small percentage of your account balance. There are different subscription levels, each with varying features and fees.
- Withdrawals: You can withdraw your money from your Acorns account at any time with no fees. It typically takes a few business days to process the withdrawal.
- Additional Features: Acorns offers additional features, such as retirement accounts (Acorns Later) and a checking account (Acorns Spend) with a debit card. These features are designed to help you save and invest for the long term.
Key considerations for using Acorns:
- Risk: While Acorns aims to make investing accessible, all investments carry some level of risk. Your returns will depend on the performance of the underlying ETFs in your portfolio.
- Fees: Be aware of the fees associated with your Acorns subscription level, as they can impact your overall returns.
- Diversification: Acorns invests your money in a diversified portfolio, spreading risk across different asset classes. This can help reduce the impact of market volatility.
- Goals: Clearly define your financial goals when using Acorns, whether it’s saving for a specific purchase, building an emergency fund, or investing for retirement.
- Regular Monitoring: While Acorns is designed for a hands-off approach to investing, it’s still essential to monitor your account periodically and make adjustments if your financial situation or goals change.
Acorns can be a helpful tool for individuals looking to start investing with small amounts of money or for those who want to automate their savings. However, it’s important to understand how the app works, its fees, and the potential risks associated with investing before using it as part of your financial strategy.
Rakuten
Rakuten, originally founded in Japan as Rakuten Ichiba in 1997, is an e-commerce and online cashback platform that allows users to earn cashback rewards when shopping at various online retailers. It’s often referred to as the “Amazon of Japan” due to its origins and the wide range of products and services it offers. Here’s how Rakuten works:
- Sign Up: To use Rakuten, you need to create an account, which is usually free and straightforward. You can sign up on the Rakuten website or through the mobile app.
- Browse Retailers: After signing in, you can browse through Rakuten’s extensive list of partnered online retailers. These retailers span various categories, including clothing, electronics, travel, and more.
- Activate Cashback: To earn cashback, you must first activate the offer for the specific retailer you plan to shop with. This typically involves clicking on the retailer’s link on the Rakuten website or app.
- Shop Online: Once you’ve activated the cashback offer, you can proceed to shop as you normally would on the retailer’s website. Make your purchases, and complete the transaction.
- Cashback Rewards: After your purchase is confirmed by the retailer, Rakuten will credit your account with a percentage of the purchase amount as cashback. The exact cashback percentage can vary and depends on the retailer and the current promotion.
- Payment: Rakuten typically pays out your cashback earnings on a quarterly basis, either by sending you a physical check or via PayPal, depending on your selected payment method.
- In-Store Cashback: Rakuten also offers in-store cashback opportunities. You can link your credit or debit card to your Rakuten account and activate in-store cashback offers. When you shop in-store at participating retailers, your cashback rewards will be credited to your Rakuten account.
Key points to consider when using Rakuten:
- Variety of Retailers: Rakuten partners with a wide range of online retailers, so you can earn cashback on a variety of purchases.
- Payment Methods: You can choose to receive your cashback rewards as a physical check or through PayPal.
- Referral Program: Rakuten offers a referral program where you can earn bonuses for referring friends and family to the platform.
- Timing: Cashback may take some time to process, so be patient when waiting for your earnings to appear in your account.
- Browser Extension: Rakuten offers a browser extension that can remind you to activate cashback offers when shopping online.
Rakuten is a legitimate and widely recognized cashback platform that can help you save money on your online purchases. While the cashback rewards may not be substantial for individual transactions, they can add up over time, especially if you frequently shop online. Using Rakuten is a straightforward way to earn rewards while shopping at your favorite online retailers.
Robinhood
Robinhood is a commission-free investment and trading platform that was founded in 2013 with the goal of making investing accessible to a broader audience. It is primarily known for its user-friendly mobile app and the ability to buy and sell a variety of financial assets, including stocks, options, cryptocurrencies, and exchange-traded funds (ETFs). Here’s how Robinhood works:
- Account Creation: To get started with Robinhood, you need to download the mobile app (available for both iOS and Android) or sign up on the Robinhood website. You’ll need to provide personal information and complete identity verification.
- Funding Your Account: After creating an account, you can fund it by linking your bank account. This allows you to transfer money into your Robinhood account for trading and investing.
- Asset Selection: Robinhood offers a range of financial assets that you can trade or invest in, including stocks, options, cryptocurrencies (like Bitcoin and Ethereum), and ETFs. You can search for specific assets and add them to your watchlist.
- Placing Orders: Using the app, you can place market orders, limit orders, and stop orders to buy or sell assets. Robinhood aims to make the process user-friendly and straightforward.
- Commission-Free Trading: Robinhood is known for offering commission-free trading, which means you can buy and sell assets without incurring traditional brokerage fees. However, they may generate revenue through other means, such as order flow payment.
- Fractional Shares: Robinhood offers the ability to buy fractional shares of stocks and ETFs, making it easier for investors with limited funds to invest in expensive assets.
- Cash Management: Robinhood provides a cash management feature, where you can earn interest on uninvested cash in your account and access a debit card with certain benefits.
- Education and Resources: The platform offers educational content and resources to help users learn about investing. This includes articles, videos, and a blog.
- Security: Robinhood takes security seriously and employs measures such as encryption, two-factor authentication, and account protection insurance.
- Customer Support: Robinhood offers customer support via email and in-app chat, but some users have reported longer response times during periods of high demand.
It’s important to note that while Robinhood makes investing more accessible, all investments carry risk. Before using the platform, it’s essential to understand the risks associated with the assets you’re trading or investing in and to have a clear investment strategy.
Additionally, as of my last knowledge update in September 2021, Robinhood has faced regulatory scrutiny and public attention for various reasons, including trading restrictions during periods of high volatility and concerns about the gamification of investing. Be sure to stay informed about any developments or changes in the platform’s policies and practices.
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