15 Best Money Making Apps That Pay Cash in 2020

best money making apps

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The Best Money Making Apps That Pay in 2020

Smartphone has become a part of modern life.

According to Pew Research Center, 77% of Americans now own a smartphone!

We simply can’t live without it and we use our smartphones for almost everything.

For instance, we use our mobile apps to get the latest news, stay connected with our friends and family, check our social feeds, and order food in the middle of the night.

BUT the crazy part is that not many people know that they can use their smartphones and take advantage of apps that pay you cash!

You’re probably questioning, are there really apps that pay you money just for using them? I know this sound too good to be true, but it isn’t.

There are actually plenty legitimate money making apps that pay you cash for completing quick and simple tasks. Most tasks are things you’re already doing every day — which I’ll cover shortly.

Many people are using smartphone apps to make money on the side but they don’t share their cash making apps with you because no one wants to make money a focal point when we’re around family and friends.

I don’t mind bringing up money topics with my friends if it helps them with their finances. We download apps all the time for entertainment purposes, so why not use the best money making apps to make extra money?


Make Money With Your Smartphone

So, what kind of simple tasks can you do to make money with apps on your smartphone?

Here are a few to name…

– Some apps reward you for watching funny cat videos!

– There are many apps that pay you through PayPal or allow you to redeem free gift cards to your favorite stores just by giving them your opinion on a product or service.

– Some apps give you cash back for taking a photo of your grocery receipt.

– Want someone to pay you for walking? BINGO!  There are apps that pay you to walk!

– My favorite ones are apps that pay you real money to shop!


Now you’re probably thinking, “Really? I can make money from my phone for free? Sign me up!”

Whether you’re an iPhone or Android user, there are many FREE money making apps you can try today.

So, instead of browsing your phone mindlessly, start making money during your spare time with the best money making apps for 2020!


Don’t forget to pin this on Pinterest! You can download these best money making apps for free!

the best money making apps to make money with your smartphone



1. Survey Junkie


I’m a fan of these best and highest paying survey sites. And of all paid survey sites, Survey Junkie is one of the highest paying apps with the best user experience!

Though I don’t recommend you doing surveys all day with your smartphone, I do recommend you to use them if you like the idea of earning extra cash with apps in your free time.

For instance, do you sometimes wait for your friends and family to show up when they were supposed to be HALF AN HOUR AGO?

If you’re bored and have time to kill, then earning an extra $20 to $50 a month with Survey Junkie is what you’re looking for! It’s fast and completely free to use!

Don’t just take my words though!

Based on Trustpilot reviews, users reported earning enough to help them with basic living expenses, like paying for groceries, filling up the car and covering for the phone bills. You can actually earn real money (or FREE gift cards) just by answering quick and simple questions on your smartphone when you have downtime.


best money making apps - survey junkie


How does Survey Junkie work:

As an actual REAL user myself, I can tell you how Survey Junkie works.

When you sign up for a FREE Survey Junkie account, you can start earning points every time you complete a survey.

The minimum payout threshold to get paid is $10. That is equivalent to 1,000 Survey Junkie points.

Most surveys reward you between 50 to 200 points and based on my experience, it won’t be hard to cash out with their minimum payout.

You can choose to redeem cash via PayPal or you can earn FREE gift cards to the stores you shop at the most. That includes users’ favorites, such as Amazon, Starbucks, Target, and more!


👉 💵 It literally takes less than 5 seconds to sign up for Survey Junkie here. You can start earning extra money on your phone right now! You can make up to $45 per survey! It’s free to join, so try it out today!



2. Swagbucks


This is seriously hands-down one of my favorite ways to earn extra money each month.

I’ve been using Swagbucks to make extra money since 2009 because it was one the first legitimate money making apps that pay you for doing quick and fun activities.

While I was a broke a$$ student (aren’t we all?), it helped me make ends meet, especially when I was living paycheck to paycheck. 😊 They’ve been there for me during my hard times and that’s why I still continue to use them today to make extra cash on the side.

Not to mention, I also love having the choice to redeem cash or FREE $25 to $100 gift cards! I’ve redeemed hundreds of dollars in Starbucks gift cards over the years.


best money making apps - swagbucks


How does Swagbucks work?

I’ll keep it short and sweet here.

Swagbucks is a well-established online rewards program and app that allows you to make extra money online. You basically earn with their points system called “SBs” (Swagbucks). You can exchange your Swagbucks points for cash or FREE gift cards.

There are many gift card selections to choose from. My personal favorites are Amazon, Walmart, and Starbucks. You can redeem PayPal cash instead if you like the idea of money. 🙂

How do you earn with Swagbucks?


Just by doing the stuff you’re already doing. You get paid for searching the web, completing easy surveys online, shopping online, watching online videos, playing games, and more!

Swagbucks has a rating of 4.3/5 on Trustpilot so you can trust that they are 100% legitimate.

Don’t believe me?

Swagbucks has already paid out over $401,514,339 to its 10 million users! This payout continues to go up (that includes all those $50+ gift cards that I’ve been claiming)! 😉


👉 For a limited time, you can grab your FREE $5 bonus promo from Swagbucks just by signing up here.

⭐️ Important: Remember to verify the email from Swagbucks in your inbox to claim your bonus and start earning extra money today!

Want to learn more? Read this in-depth review on how you can make an extra $50 to $200 per month with Swagbucks.



3. Earn with Drop app


If you haven’t heard of this FREE Drop app, then you’re seriously missing out on free money! Drop is one of the best apps to make money that you can download for free.

It’s a mobile rewards app that allows you to passively earn money while you shop online and in-store.

I personally use Drop every day to passively collect Drop points in exchange for free gift cards to my favorite shops.

Before you think this is just another cash back app, hear me out first…

The cool thing about Drop is you earn points just for shopping at the places you always buy stuff from on a daily basis (it’s different from Rakuten, Ibotta, and others, so read further to find out).

Even better is that these points are stackable with other coupons, discounts, and the rewards you collect, so it’s a clever way to double dip your rewards.


How does Drop app work?

Let me explain how the Drop app works.

When you create a FREE account and sign up, the app will ask you to link either your debit or credit card. You can link to as many as you wish, but it’s best to link the cards you use most often.

This is safe to use because Drop uses bank-level 256-bit encryption. It’s the same way how banks ensure your data is safe and protected. And don’t worry, your bank credentials and data will never be stored on Drop’s servers!

If you’re concerned, read more about this money making app in my in-depth guide and honest review on Drop here.


How to passively earn with Drop app

Next, select the top 5 places you want to earn points at. This is how you passively rack up rewards every day.

So, for example, if you’re anything like me, you could select Walmart, Chiptole, Joe Traders, McDonalds, and Starbucks as your top 5 shops.

Once that’s set up, you can go and swipe your debit card or credit card (how you usually make purchases at stores and online). Drop will automatically give you points just for making purchases at those shops.

Do you go for a Starbucks run every morning and afternoon with your credit card? Great, Drop will pay you for that!

Again, your Drop points are ON TOP of what you’re already earning from other rewards, coupons, and discounts. This is a great way to use apps to make money and stack up on your rewards!


🌟 For a limited time, get your FREE $5 bonus here (using my invite code FINSAVVY) immediately after linking your first card! No purchase necessary! 😊

My referral code is applicable to both the U.S. and Canada!


best money making apps - earn with drop



Related post on the best money making apps: How I Get Free Starbucks All Year Round With Free Apps That Pay You



4. American Consumer Opinion (ACOP)

Join here: FREE membership at ACOP

I recommend using American Consumer Opinion (ACOP) to earn some extra cash with your smartphone today.

I use this survey site because they pay you cash just for completing really simple questionnaires!

They’ve asked me questions like… Where do you buy pop soda? Which stores do you purchase your soda from?

From my personal experience, each survey takes less than 10 minutes to complete. Not bad when you’re lying around your couch or bed with a bit of free time.

May as well earn a little extra spending money while you can! I like the fact that it’s FREE!

There are currently over 7,000,000 active members at ACOP today!


👉💵 You can sign up for American Consumer Opinion here and start earning extra cash today. It only requires your e-mail for free membership, so go ahead and give them a try!



5. Earn with MyPoints


MyPoints is another great cash back, surveys, and rewards app to earn money online.

They are owned by Swagbucks so they are definitely trust-worthy and legitimate! If you haven’t tried either of them, then you’re missing out!


How does MyPoints work?

Similar to Swagbucks, you are rewarded with points each time you complete a simple task. That includes taking paid surveys, shopping online (get a FREE $10 Amazon gift card after spending $20 through MyPoints), watching videos, reading e-mails and engaging in other fun online activities.

Once you accumulate enough points, you can cash out at their minimum payout of $10 for FREE gift cards, cash, and other rewards (it’s all up to you).


👉 💵 You can sign up for MyPoints here and get a $5 bonus after taking 5 easy surveys.

As always, it is FREE to sign up for and use! Remember to verify your e-mail from MyPoints to redeem your $5 bonus!



6. Rakuten


If you are a frequent online shopper, then this is probably the highest paying app that pay you money for your online purchases.

Yes, Rakuten is ONE of the best money making apps today because they are quite generous with their payouts!

Check out the FREE money ($116.66 from two recent transactions) Rakuten paid me just by shopping for the things I was going to buy anyway.

Yep, I’m just as excited you are!

I’m not joking. You actually get paid to shop for almost anything and any store online. The best part is you can combine this with other store promos, discounts, coupons, etc. so that means you’re be missing out on free money if you’re not using Rakuten!

It’s 100% legit with a rating of 4.5/5 on Trustpilot reviews!

Rakuten is partnered with 2,000+ of your favorite retailers. That includes Amazon, Apple, Walmart, Gap, Old Navy, Sephora, Macy’s, Kohl’s, Target, eBay, and more!

Oh before I forget to mention, it also includes Expedia and Hotel.com so you can get paid a good amount of money just by booking your travel plans through Rakuten.

This money making app is practically a hassle-free way of earning FREE money when you’re shopping on your smartphone or computer!

I’ve been using Rakuten since 2010 and I rave about this free money making app to my friends all the time!

To learn more, read my full Rakuten review and tutorial on how to use it here. I bet you’re going to fall in love Rakuten once you start using it!


🌟 Sign up here for your FREE $10 bonus after making your first $25 purchase through Rakuten.

If you’re Canadian, use this link to get your FREE $5 bonus today!



7. Checkout 51


What if I told you that you that are apps that pay you money for your grocery receipts?

Yep, there are some apps that do just that, and Checkout 51 is one of my personal favorites.

I’ve been a user of Checkout 51 since 2014. I’m still using this app to earn cash back and save money on my weekly groceries for a large family!

Okay, let’s get down to how this app works…

You get FREE money just by shopping for groceries and regular household items!

Every Thursday, Checkout 51 will refresh their list of 100+ offers. It’s almost impossible for you to not shop a few of the grocery and household products on their weekly list. Items like tomatoes, cheese, dry foods, yogurt, milk, nuts, pampers, detergent, soap, coffee, air refreshers, and the list goes on and on!

The best part is you can combine Checkout 51’s offers with store promos, coupons, and other discount offers!

To give you an idea, take a look at how much money I earned with this app in 3 months just by doing my regular Sunday shopping for groceries…


best money making apps - checkout 51


Woo-hoo! I can’t complain about this extra money I’m earning! 😊

You need to download this free app and try it today to see how easy it is to use apps that make you money.

Instead of throwing away your receipts, convert it into free money right now! Snap a quick picture of your receipts with Checkout 51 on your smartphone and wait for a day or two for the money to show in your account.

Once your account reaches a minimum of $20, you’ll get paid with a check at no cost!


🌟 Click here to instantly get your FREE $5 bonus from Checkout 51 when you sign up and upload your first few receipts! It’s really that easy peasy! 😊



8. Ibotta


I just briefly mentioned Checkout 51 which is a cash back app like Ibotta.

With that said, Ibotta is another must-have app that pays you to shop and upload your receipts.

I know a lot of Canadians are sad that Ibotta is only available in the U.S.

But, lucky U.S. residents, you can stack up coupons, discounts, and other offers (yes, that includes Checkout 51) to earn an additional $100 to $500 each year!

Ibotta isn’t just a way to earn money back from your grocery shopping. You can also earn extra money just by making purchases at the places you often shop at such as Amazon and Walmart!

Ibotta is legit and has helped a lot of people who live paycheck to paycheck make ends meet.

Users have already gotten back over $682,455,128 in cash from Ibotta, so you can definitely trust that the app will pay you cash and put more money back into your pockets!


👉 Grab your FREE $20 welcome bonus from Ibotta when you sign up. 💵

Just by signing up for both Checkout 51 and Ibotta, you already earned an extra $25 with almost no effort! 100% free to sign up for and use! 😊


best money making apps - Ibotta



9. Let this free money app help you lower your bills

Though this FREE service called Trim doesn’t make money directly, it is a money and budgeting assistant that could help you save money by negotiating some of your monthly bills FOR YOU (e.g. cable, Internet, cell, bank fees, subscriptions, etc.)!

That means you don’t have to do any work since this free assistant will help you find ways to put money back into your pockets!

This clever robot can also help you cancel subscriptions that you don’t use. On top of that, he can auto-fight fees with your bank and help you keep track of your spending too!

Trim is safe to use and has helped its users save over $20,000,000!


🌟 You can sign up for Trim here for FREE so you can keep more of your money without putting in any effort!



10. Acorns

POTENTIAL EARNINGS: Depends on how much you invest and which type of investments

Investing your money to make money may seem like a difficult task.

That’s why an app called Acorns was created for people like you who are looking for easy ways to invest!

If you’re looking for one of the best money making apps without doing any work, then you may want to give Acorns a try.

How Acorns works is it will automatically invest your spare change by rounding your purchase to the nearest dollar.

For example, if your daily coffee costs $3.40, Acorns will automatically save and invest $0.60 for you. This will link to your bank account and/or credit card you use to make your purchases.


Is Acorns safe to use?

Acorns is serious when it comes to security and protecting its users.

Acorns website and app are secured with 256-bit encryption, so your personal and financial information is safe.

In addition to that, they are SIPC Protected (protected up to $500,000) and FDIC Insured (up to at least $25,000).


You will get a FREE $5 bonus from Acorns for signing up here. Give this app a try today if you’d like to see your savings and money grow automatically! 💵

You must be a U.S. resident and at least 18 years old.




11. Caddle


Caddle is a free app that’s only exclusive to Canadians.

You get paid by this app just for uploading your shopping receipts, which take less than 15 seconds to complete.

One of my favorite ways to earn is by uploading Costco receipts because I go there at least once a week and they usually give you a limit of 5-10 to upload each week. That alone allows you to earn up to $5 each week!

In addition to that, you can also make extra money by watching videos and doing some quick and easy surveys! By that, I mean it literally takes less than 30 seconds to watch videos and answer their survey questions.

When you convert that into hours, Caddle is probably one of the highest paying apps that pay you to answer the shortest and simplest surveys. It’s one of the reasons why I absolutely love Caddle!

In my very honest opinion, it is by far one of my favorite survey and cash back apps for Canadians!

If you’re Canadian, you definitely don’t want to miss out on this FREE money making app.

On top of getting paid to do a few surveys, you get rewarded for watching videos and engaging with brands. As mentioned earlier, you also earn cash back from your groceries and other miscellaneous purchases by uploading your receipts.


👉🇨🇦 Canadians, what are you waiting for? Sign up for Caddle for FREE here and get a $1 welcome BONUS!

To learn how to make extra money with this app, read my honest review on Caddle and how it works here.


In summary, make some extra cash with Caddle today by uploading receipts for Cash Back Rebates, answering surveys, watching videos, writing reviews and giving your opinion on ads!

best money making apps - caddle



12. Swagbucks LIVE

Game apps to win real money, anyone?


Which color is not a primary color?

(Answer choices: “Blue”, “Orange”, “Yellow”)

(Answer: “Orange”)


“My Heart Will Go On” came from which movie?

(Answers: “The Notebook”, “Titanic”, “The Lion King”)

(Answer: “Titanic”)


If these questions were no-brainers and you love playing trivia games, then you must try Swagbucks LIVE!

You can win $1,000 by playing Swagbucks LIVE!

Swagbucks LIVE is a live trivia game show where you can win the grand prize ($1,000) by answering 10 multiple choices trivia questions correctly!

Don’t worry, even if you don’t answer all 10 questions correctly, you will get reward points for questions that you answered correctly.

You can use the reward points to redeem cash (PayPal) and free gift cards (Amazon, Starbucks, Walmart, and more)!

The app is 100% free to download and play with +15,000 players every day.

Put your trivia hat on and get ready to make some money!



13. Decluttr

POTENTIAL EARNINGS: Depends on how much you sell online

Do you have a lot of stuff lying around the house? Your parents may call that clutter – everything is clutter to them – but we call that cash!

You can make extra money by selling almost anything online!

Many people are looking online to buy used phones because they can’t afford the latest and greatest iPhone. Why not sell your used phone for hundreds of dollars and use that money to buy your new phone?
Or how about the textbooks that you never touched after graduation? Turn those pages to cash!

If you want to avoid meeting up with creepy strangers and scammers from Craigslist, then this smartphone app is perfect for you!

Decluttr is a free app that makes it easy for you to sell your CDs, DVDs, Blu-rays, games, books and tech gadgets for cash!

Here’s how Decluttr works:

1. Get a FREE instant valuation: Simply enter/scan the barcodes of your items.

2. Pack your items into a box: Get a box and put your items in the box.

3. Ship your box for FREE: Use Decluttr’s FREE shipping label and drop the box off at your nearest UPS Store!

4. Next day payment: Get paid once Decluttr receives your items!

Make Room.  Make Money. That’s their slogan!



14. Sweatcoin

POTENTIAL EARNINGS: Depends on how often you walk and/or run.

If you’re looking for apps that pay you to use them, then you should give Sweatcoin a try.

Do you wish that there was an app that will pay you for things you’re already doing every day? Like walking?

Well, you can save that wish for something else because Sweatcoin pays you to walk! That includes walking outside on a nice sunny day or browsing around the mall for your favorite finds.

Let the app run in the background of your smartphone and it will track the number of steps you take.

Every 1,000 outdoor steps is equivalent to 0.95 Sweatcoins.

Once you have enough Sweatcoins, you can redeem it for goods and services, including Amazon gift cards!

You won’t get rich by using this app, but it definitely encourages us to walk and run more!


It’s free (and you walk every day, right?) So, make money while you walk by signing up for a FREE Sweatcoin account here! 💵



15. OHMConnect


This free OHMConnect app pays you to save money on energy.

Yep, you read that right!

If you’re a fan of conserving energy and saving money on electricity (who isn’t?), then you will benefit from using OHMConnect.

Think about it – conserve energy, reduce your energy bill, save money, and get paid for doing just that!


Get started today by signing up with OHMConnect. Membership is 100% free, plus you get a FREE $20 bonus when you use my special link to join.

I personally use this app and I can’t complain about the extra $200 to $300 in my bank account. 😊



How does OHMConnect work?

After signing up for a FREE OHM Connect account by entering just your ZIP or postal code along with your e-mail address (this takes less than 10 seconds), OHMConnect will send notifications to help you track your energy usage.

They will reward you with points for saving energy. 1,000 points is equivalent to $10.

This is one of the apps that pay you through Paypal, or you can use those points to redeem gift cards from the OHMConnect store.

Again, there’s nothing for you to lose but everything to gain!


Final thoughts: best apps to make money fast

I hope I didn’t overwhelm you with all these money making apps that pay you real cash!

There are so many creative ways to make money with your smartphone devices today. That includes doing surveys, watching videos, shopping online, uploading your receipts, walking, selling your stuff online, and so much more!

Seriously, give these a try today and you’ll start seeing some extra money roll in your bank account! We can all use some extra cash for guilt-free spending!

These are the things I’ve been doing for many years and I’m still using them to make money during my spare time.

After all, who doesn’t like free money? 😊


Over to you — are you ready to try out the best money making apps for 2020 to earn some extra money? Do you have other ways to make money using your smartphone? Feel free to share your best money apps with us! 🙂


Enjoyed this post? Don’t forget to share it and follow me on Pinterest! 🙂

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  3. Thanks for sharing a list of apps that I could use to make money. I’ve been using Survey Junkie for 5 years. They are sort of like that middleman who directs you to many different survey companies. I’m always on and off with them because you may or may not get a good survey. Is it worth your time? If you’re always busy, I’d say NO. But when I’m feelin exhausted and sitting around home, I would complete a few surveys and collect a check. Guess waht I did with it? I used the money on my friend’s wedding gift so it was worth the effort when I was broke. I got off topic here and didn’t mean to. I will look into the smartphone apps you mentioned on this list.

    1. Hi Katie,

      Sorry for the super late response. I just saw this comment and thank you for dropping by!

      Thank you for sharing your experience on Survey Junkie. I always tell people this won’t make you rich, but I do use it for the extra money too. Like you, I like to put the money towards birthday gifts, wedding, extra spending, etc.

      I hope you enjoy the other money making apps mentioned here. Feel free to let me know how you like them.

  4. I agree if you want to make extra cash using your cash app or Paypal account, then these are good apps to use. I am earning online and I literally cashed out $3,000. All you need is just a mobile phone or your computer to start making money online. I just came from your post about earning money with Pinterest. What a wonderful and creative idea. I feel thankful to have found you and I’m going to try this earning method too.

    1. Hi Houston,

      I’m glad you find these money making apps useful! Thank you for sharing your experience about earning money online.

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