20+ Best Money Making Apps 2020

If you are in need of some extra cash, and if you spend a lot of time on your smartphone, we’re sharing the best money making apps to help cushion your wallet.

Whether it’s money deposited directly into your PayPal account, getting free gift cards to your favorite retailers, or cash back on all your purchases, companies are eager to get new app users — and they are willing to pay you!

If you’re going to spend one-third of your waking hours on your phone each day, why no t use it to make money and also have fun while doing it?

This list of best apps to make money using your phone is broken down into the following categories:

  1. Survey and Micro Task Apps
  2. Cash Back and Receipt Scanning Apps
  3. Passive Income Apps
  4. Side Hustle Apps
  5. Best Apps for Selling Stuff

This list only contains apps that work, any apps that were glitchy, hard to use, and under delivered, have been left out of the list, so that you do not end up wasting your time.

This list has only the best apps for making money, both for Android and iPhone.

Note: Some of these offers are only available in certain areas and on certain platforms. We just wanted to let you know if you were wondering why you can’t install a certain app on your phone.

Survey and Micro Task Apps

1. Pinecone Research – Flat $3 per survey

Flat $3 per survey

Pinecone Research is particularly attractive for survey takers. Each survey pays a flat $3, and they’ll often match you with surveys that match your interest and demographics.

Reward Types and Amounts

For each survey taken, Pinecone Research awards its members a minimum of 300 points. This equates to $3.00 USD for every survey completed. Canadians typically earn $3.00 CAD per survey, while Britons earn £3 per survey completion. There are a variety of options that accumulated points can be used towards.

  • PayPal – A minimum $3.00 balance is required. PayPal payments are processed within 3-5 business days without any extra fees.

Once you complete your first survey, which is always rewarded with a minimum of 300 points, Pinecone Research will automatically send you a check for $3.00 to the mailing address on your profile. This is a security measure to establish your profile and account. After your first check, you will have the option to choose the form in which you would like to receive your future rewards.

Pinecone research
Price : Free
Earn Money by completing surveys
Sign up

2. Swagbucks – $10 Bonus for signing up.

You can earn an extra $25-50 each month.

This is probably one of the best money making apps out there!

Swagbucks allows you make money using your phone in 6 different ways. and also gives you $10 just for signing up!

Swagbucks allows users to earn SB Points by watching videos, taking paid surveys, playing games, searching the web, or shopping online. You can then redeem your SB points for cash deposited directly in your PayPal account or by claiming gift cards to one of over 1500 retailers (like Walmart or Amazon).

The biggest advantage is, there is no limit as to how much you can earn!

With an A+ rating with the BBB and over $166,000,000 paid to members to date, there is no reason not to try one of the highest paying apps out there.

Price : Free
Earn Cash and Rewards by completing surveys
Sign up

3. InboxDollars – $5 Bonus for signing up.

InboxDollars will pay you for opening and skimming emails and answering simple surveys. There is also a $5 signup bonus.

InboxDollars works on a cash-only system, so you don’t have to worry about converting points to cash or only being compensated in gift cards. And according to their website, they have paid out over $57 million to users who have completed surveys over the year

clicking around and answering questions can still net you a couple of bucks an hour, which is better than nothing.

Inbox dollars
Price : Free
Earn Money by opening and skimming emails and answering simple surveys
Sign up

4. MyPoints – $10 Amazon gift card when you sign up

By installing the app, and using it on a regular basis, users accumulate points that they can exchange for cash, gift cards, or physical gifts. It’s basically a rewards program for your phone…and that is exactly how you should look at it.

Through MyPoints, you can get paid with real cash. When you sign up for a member account, you will be asked to introduce yourself by providing personal information; this will allow them to see which criteria you meet and send you surveys you can fill out and gain points with.

While answering the surveys, you will gain points for every 10 profile questions you answer. As with most paid survey sites, they will not tell you until you are answering the questions whether you match the correct criteria or not to be eligible for finishing the survey, which means that there is a possibility of being screened out before you are done.

However, MyPoints will give you 1-point if you happen to not qualify and will pay you up to 5 points a day for not qualifying for a survey. You will normally find out within a second or two if that survey isn’t a good fit, so you don’t waste your time on it.

Price : Free
Earn Cash by answering surveys
Sign up

5. TGM Panel

TGM Panel is an online research panel where panelists can transform their opinions into money, you can take paid surveys every day without any limits. No surveys are over 30 minutes and survey inventory is high, meaning you’ll have plenty of studies to choose from.

You can choose one of three methods to cash out your earnings with TGM. These are:

  • PayPal payments – With just $12.50 USD (or equivalent) in your account, you can request a cash payment to your PayPal account. Your PayPal e-mail address must be the same as the one you use to register with TGM.
  • GCodes® Rewards – With just $10.00 USD in earnings, you can request a GCode, which is a code that can be used to request a gift card from many different retailers.
  • Amazon e-vouchers – With just $10.00 USD in survey earnings, you can request an Amazon e-gift code.

Rewards processing times are super quick! After submitting your rewards request, receive your reward within 72 hours.

Earn cash for every online survey you complete; there are no points systems to figure out – when you have taken enough surveys or completed enough tasks to request a reward, you can simply redeem your cash balance for a cash reward or a gift card

TGM Panel
Price : Free
Earn cash by answering surveys
Sign up

6. PaidViewpoint  – $1.00 sign up bonus

Paidviewpoint gives survey takers around the world the opportunity to participate in paid studies on their surveys platform. Becoming a member is free and only takes a few minutes.

Every survey gets a fixed portion of the sale price allocated to the respondents who answer the questions. That pot of money is divided up between the respondents, based on their TrustScore. Adjustments are made to level the playing field so that newer members of PaidViewpoint are treated equally well as compared to longstanding members. The respondent pool is divided into groups and the higher-level groups get paid more for each survey answer.


  • The website is incredibly user friendly. It’s not convoluted or confusing, so that makes it more enjoyable to navigate
  • The money is deposited via PayPal, so It feels secure having transactions going through PayPal.
  • The money deposits within a few days, so it’s pretty reliable on getting the money you’ve earned.
  • The surveys are short, we hate having to sit around for 30+min taking a survey and only getting paid 10 cents for it.


  • It takes FOREVER to start earning real money. This is because PV gives you better surveys via your TraitScore (which basically is a way that they can tell how honest you are on the surveys you take). The better your TraitScore, the more surveys you will get. The only thing is that it takes a long time and persistence to develop your trait score to 10000

PaidViewpoint is operated by AYTM (Ask Your Target Market) – a legitimate and well-regarded market research company with millions of members worldwide. They offer legitimate surveys to their respondents and pay them on time. Although some users may have varying levels of success with the program (international users may find it difficult to find full paying surveys; surveys that are not the $0.03 ‘trait surveys’)

Price : Free
Earn cash by answering surveys
Sign up

Cash Back and Receipt Scanning Apps

1. Wikibuy

Do you wonder when you’re buying something if you’re actually getting the best price? Do you assume that you’re getting the best deal if you shop on Amazon?

That’s where Wikibuy comes in. it’s is a browser extension that notifies you when there’s a better price on something you’re viewing. It will show you where the better offer is and how much you could save.

it also offers coupons and lets you earn cash back when you link a credit card to the app.

If you earn Wikibuy credits by shopping through partnered stores and restaurants, you can redeem that cash back for gift cards to places like Walmart, Lowe’s and Nordstrom Rack. Customers can also add items to the Wikibuy watchlist, where they can be notified when the item goes on sale.

Price : Free
Save on your online purchases with Wikibuy
Sign up

2. Rakuten – $10 Bonus

Rakuten (formerly known as Ebates for desktop) also have a desktop app

All you have to do is shop at the stores you love (either online or in-person), and you get cashback on your purchases. If you take advantage of special events, holidays, and promotions, you can earn up to 12% back in some cases.

All you have to do is log in to the app and search the retailer you’d like to shop with. You’ll go directly to their e-commerce store and start collecting rewards automatically when you buy. You have the option of redeeming those rewards as cash, gift cards or a PayPal deposit.

Whenever you hear the phrase ‘free money,’ a little red flag goes up in your head. It should, because that’s how we avoid getting scammed.

But sometimes, there are businesses out there that can help you save or earn money by using their services. Rakuten is an affiliate marketing company that helps you earn cash back by shopping through their site.

So this is how Rakuten works, the retailer pays them a commission when you, the consumer, buy through Rakuten. Rakuten chooses to split this commission with you to incentivize you to keep making your purchases through them.

Ultimately, this is a win-win for everyone!

Once you accrue cashback, Rakuten can pay you in one of two ways. They will either mail you a physical check or send you the balance to a PayPal account.

Price : Free
Earn cashback on your online purchases with Rakuten
Sign up

3. Dosh – $5 Bonus

Dosh is a smartphone app that gives you cash back every time you make a purchase at participating outlets using your linked card.

Not having to jump through hoops to earn cashback is probably the biggest perk of Dosh. For instance, Everytime you fill up your gas tank from Exxon each time you might be getting cashback and didn’t even realize it. The money just gets added to my Dosh account.

Download the app, link your credit card (the app is secure), then spend as you normally would. You can start shopping at participating merchants using your credit card and points will be added to your “Dosh Wallet” straight away.

Once your balance reaches a minimum of $25, you can cash out via direct deposit or PayPal.

Price : Free
Earn cashback on your purchases
Download the app

4. Ibotta – $10 Bonus

Ibotta is yet another of the money-making apps you’ll see on this list that revolves around cash back shopping.

But unlike apps similar to Ibotta, the company has become immensely popular worldwide because it extends to grocery brands.

It also has an affiliate program that allows users to earn even more money by inviting friends to the app.

Ibotta offers a $10 sign-up bonus for new members and will pay you $5 more for each friend you refer.

Price : Free
Earn cashback on your purchases
Download the app

Passive Income Apps

1. Nielsen – $50 per Year

You may have heard of Nielsen ratings for TV shows, but it turns out that Nielsen pays you to collect data on more than just TV. One area they’re interested in is your internet usage.

What does that mean for you? It means Nielsen will pay you $50 a year to keep their app on your favorite internet browsing device. The app itself collects statistics on your internet usage anonymously, so you never have to worry about any data being linked to you.

The app doesn’t take up much space and won’t slow down your phone or tablet.

Price : Free
Lets You Make Money By Allowing Them To Collect Information About Your Mobile Usage
Download the app

2. Acorns – $10 Bonus

With a beginner-friendly platform and interface, Acorns is one of the best investing apps available. It’s easy to sign up, and you can set aside a certain amount every month or round up money from every purchase you make with a linked account. The app will take the change and invest it in your Acorns account.

Acorns offers a bonus of $10 after you sign up so that you can easily get started

Once you sign up and complete your registration, Acorns will deposit $10 into your account to give your investments a head start.

Price : Free
Invest your spare change automatically
Download the app

3. Slidejoy

Can earn upto $5 to $15 per month

When you use Slidejoy, they’ll place ads on your phone’s lock screen. Then you’ll have the choice to:

  • Ignore the ad by sliding right and unlocking your phone.
  • Engage with the ad by sliding left. Upon sliding left, the phone will unlock and you will be directed to a destination specified by the advertiser (YouTube, advertiser website, Google Play, coupon page, etc.).

To prevent bias, you will make an equal amount regardless of whether or not you engage with an ad. Over time, Slidejoy learns your ad preference based off of your behaviors during different times of the day and curates a more relevant user experience. You can cash out your earnings via PayPal/several gift cards or choose to donate it to charity.

As long as you can put up with your smartphone’s lock screen being trending news stories or ads (which disappear when you open your phone), you’re looking at a possible $180 a year from one app with minimal effort.

Price : Free
Earn money  By Unlocking Your Screen
Download the app

Side Hustle Apps

1. Fiverr

You can make money on Fiverr by listing special services, such as graphic design, writing, and animation. You can also list less traditional skills such as celebrity impersonations, writing commercial jingles, or giving relationship advice.

Gigs on Fiverr start at $5, but you can create upsells and charge more. Fiverr takes a 20% commission, so take that into account when building your fees. Customers can also leave you tips for a job well done.

Here’s how you start, Write a clear, concise description of what you offer and start selling. Start by pricing your services low to get more customers. As you build a solid network, you can increase your rates.

Tips to succeed, Try to come up with an angle that makes your service unique, and market yourself outside of Fiverr so you’re not only competing against other people who are charging low rates.

Price : Free
Earn money doing Gigs based on your skills
Sign up

2. Postmates

Postmates is a food, drink, and grocery delivery service that saves customers time by bringing what they need straight to them. Signing up to drive for Postmates is the perfect side gig for people looking to set their own hours.

As a Postmates driver, you can earn up to $25 an hour. You can work as many or as few hours as you want as long as you make at least one delivery every 90 days. You also get to keep 100% of the tips you earn.

Here’s how you start, You have to download the app and verify your identity. Once Postmates confirms your identity, they’ll send out a free bag and a card that you’ll use to buy the food with.

Here are some tips, Be sure to track these and any other expenses. You can deduct them from your earnings to decrease the amount of taxes you have to pay on your side gig earnings.

You’re also responsible for all parking and gas expenses.

Price : Free
Earn money doing Delivering stuff to people’s doorsteps
Sign up

3. Instacart

You can make $10 to $15 per hour and get paid via direct deposit.

Instacart is a grocery delivery service. Customers order their products online, and Instacart shoppers prepare their order for pickup or delivery. As a full-service shopper, you’re an independent contractor. You’ll shop for the products your customer wants and deliver them to the address.

If you’d rather do the shopping than the delivery portion, you can apply to be an in-store shopper. This part-time position comes with a flexible schedule and doesn’t require a vehicle. You’ll prepare your customer’s order for them to pick up in-store.

In either position, you can make $10 to $15 per hour and get paid via direct deposit. However, full-service shoppers have the ability to receive tips whereas in-store shoppers do not.

Here’s how you start, and the requirements are, You need to be 18, eligible to work in the US, have access to a car, able to lift up to 50 pounds, and have a relatively new smartphone.

Price : Free
Earn money doing Delivering stuff to people’s doorsteps
Sign up
Sign up

4. Getaround

Getaround is an app where you can let other people rent your car. If you work at home or rarely drive, then renting out your car may be an easy way to make money. Getaround includes a $1 million insurance policy on its vehicles. They also have a 200-mileage limit per day for most cars.

The Pay depends on how often you can rent out your car, the demand, and the type of car you have. You can earn hundreds of dollars a month if you rent it out frequently, but Getaround will keep 40% of your rental earnings.

You can also share your referral link with friends. They’ll get $20 off, and you’ll earn $20 for each person who signs up and borrows a car. If you refer someone who signs up to rent out their car, you’ll earn $200.

How do you start, First, you’ll need to create an account with Getaround. The company will reach out to you to get your Getaround Connect® device installed, which allows you to lock and unlock your car straight from the app. Once you’re set up, you can start renting out your vehicle.

Experience Renting My Cars On Getaround in Denver, Colorado 2018 – Lattice Hudson
Price : Free
Earn money By renting your vehicle
Sign up

Even though Getaround vets their drivers, accidents can still happen. Another driver could hit your car, which could lead to problems if it needs to be fixed. Getaround is mostly only available in major cities. The company also doesn’t cover regular maintenance, which may accrue faster because of the extra use.

5. Lucktastic

Lucktastic is an app that lets people play lottery-type games to win money. You have to watch ads every time you play, but otherwise the app is free.

The amounts you earn may vary depending on the game and your luck. Some users have won as much as $10,000 on scratch cards, but most diligent users earn less. If you like to play games, then Lucktastic is a fun way to make extra money for something you enjoy.

But, It’s very hard to make a significant amount of money with this app, and the income is unpredictable. If you just want a fun way to pass the time, then you should download this app. But if you want to make more money, consider other options.

Price : Free
Lucktastic is a free app where players can win real cash and prizes and earn rewards.
Download the app

Apps to Make Money Selling Stuff

1. Decluttr

Decluttr is a money-making app that pays you to trade in old technology for cash. You can also sell CDs, DVDs, board games, books, and even old Lego sets that are collecting dust. It takes less than five minute to sign up and get estimates on the items you want to sell. Decluttr provides you with a prepaid shipping label to use for sending them your items. After they’re delivered, the cash will be paid to your account via PayPal, check, or direct deposit.

A tip to make more money, you can make more money selling tablets, laptops, and cell phones compared to DVDs, books, and CDs.

To start get a free estimate from Decluttr for any items you want to sell. If the rates look good, you’ll need to create an account so Decluttr can email you a free shipping label.

The only downside with this method is, you need to sell physical items, so this will only work if you have extra tech stuff lying around or if you can find tech items for cheap or free and resell them on Decluttr. You’ll also need to have shipping boxes and materials on hand. If you have to buy these, it can cut into your profit margins.

What did you sell to Decluttr?
Price : Free
Earn money By Selling stuff you don’t need
Sign up

2. BookScouter

BookScouter is an easy way to make money fast if you have old books lying around. The BookScouter app can save you time by searching which sites are offering the most cash for your books. BookScouter compiles prices from more than 30 sites so you don’t have to search each one individually.

bookscouter homepage

It’s easy to use. All you have to do is sign up and start using the app to scan barcodes of books you own. You’ll then be able to see how many sites are willing to purchase your books and how much you can earn with

How much it pays: Popular textbooks in great condition pay more than well-worn paperbacks. For example, sellers with a copy of “Eat Pray Love” by Elizabeth Gilbert will only earn $0.18 as of June 2020.

Here is how you start,  Create a pile of books you have and download the app or type your barcode into the desktop search. If you get enough offers you like, then you’ll need to create an account to sell your books.

Price : Free
Earn money By renting or selling your books
Sign up

3. ThredUp

ThredUp is the world’s largest online thrift store for selling your quality used clothing. If you have clothes in your closet that you never wear, thredUP may be your best option for turning those clothes into cash.

The pay depends on the item, brand, popularity, and condition. Designer clothes and accessories pay more than items from Old Navy or H&M.

ThredUP Review by Clark Howard: Save More, Spend Less

To start, Create an account and request a free clean out kit. ThredUp will mail you a bag with a prepaid shipping label. Pack up the clothes you want to sell, and drop your kit in the mail. After you send them your items, they take photos, create listings with product descriptions, find buyers, and ship clothes once purchased. They act as an online consignment shop.

Once items are sold, you’ll get your share of the sale. They do take a commission, which changes depending on the selling price. The higher the product is priced, the higher your share. You can cash out with store credit or via check or PayPal.

UNSPONSORED ThredUp Honest Review & Try On Haul | Sip & Thrift by Michel Janse
Price : Free
Earn money By renting Cloths
Sign up

Whether you want to start making money online, get into the gig economy, or resell stuff you no longer need to get some extra cash, something on this list can help you get started.

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