The Greatest Cash-Making Apps for 2022 – Investopedia

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About 36% of U.S. staff are concerned within the gig financial system, and money-making apps have performed a major position in breaking down obstacles that when stored folks contained in the workplace. By way of free apps, you’ll be able to earn revenue to repay debt, complement revenue, fund a interest, and even assist your self full time. The very best money-making apps permit you to work by yourself time via a easy sign-up course of whereas receiving quick and straightforward fee.
We researched greater than a dozen money-making apps to seek out one of the best choices based mostly on components like incomes potential, how shortly you’ll be able to obtain fee, and app retailer rankings. This roundup will assist you select one of the best money-making app based mostly in your objectives, the way you wish to earn, and the time you’re prepared to speculate.
Upwork’s simplicity, streamlined communication and potential for freelancers to earn extra over time make it one of the best money-making app, whether or not you’re choosing up a facet hustle or constructing a full-time freelance enterprise.
Easy profile set-up to seek out work in tons of of talent classes
Entice new purchasers based mostly on critiques, complete earnings, and rating
Pursue ongoing or one-off tasks by making use of immediately or receiving an invite
Cost safety ensures fee for profitable work
Service payment between 5% and 20%, relying on complete earnings per shopper
Cost is delivered 10 days after billing interval ends
Shoppers can simply store for and choose decrease charges
As a freelance market driving the gig financial system, Upwork is one of the best money-making app for expert staff to attach with purchasers, whereas managing tasks in a single place. For its broad vary of obtainable talent classes, profile-building options and limitless incomes potential, Upwork wins finest total.  
No matter your earlier expertise, Upwork makes it easy and straightforward to create a profile and apply for brand spanking new gigs. Freelancers can discover alternatives throughout tons of of talent classes spanning digital advertising and marketing, coding, translation, admin work, and far more. If you are able to do it on a pc, you are able to do it on Upwork.
By way of Upwork, you’ll be able to apply for one-off alternatives or discover ongoing work with purchasers. New critiques and a rising Job Success Rating will make you a extra engaging candidate for future alternatives. Certified freelancers might obtain invites for unique alternatives.
Venture funds are held in escrow via Upwork’s Cost Safety program, which helps guarantee protected and well timed fee for freelancers. You may obtain fee via direct deposit, PayPal, wire switch, or different strategies. Sadly, freelancer charges vary from 5 to twenty%. The extra you earn from a person shopper, the decrease your payment share. Funds aren’t credited to your account till 10 days after the weekly billing cycle ends.
As an impartial contractor, you’ll must pay taxes on earnings.
Accessible on:
iOS: 4.6 stars
Google: 4.3 stars
Providing quite a few cashback choices for on-line and in-store purchases, Rakuten delivers a seamless course of with rewarding sign-up and referral incentives.
As much as 40% cashback on purchases at 1000’s of qualifying retailers
$10 welcome bonus for spending $25
$20 bonus for referring new customers who spend a minimum of $20
Browser extension presents further perks and options
Cashback charges as little as 1%
Customers have reported app freezing points
Should accrue $5 in cashback to redeem
Payouts happen each three months
Beforehand referred to as Ebates, Rakuten is the highest money-making app for cashback, providing offers throughout quite a few retailers together with inviting sign-up and referral incentives. Though you need to spend cash to make cash, the app enables you to get slightly money again for purchases you would be making anyway.
After registering, customers can browse cashback presents at 1000’s of outlets, together with Goal, Greatest Purchase, and Kohl's. To obtain cashback, merely click on right into a retailer from the app or web site and place an order. You may as well obtain cashback for in-store purchases by choosing the supply within the app and linking your card prior to buying. Nonetheless, you’ll be able to’t obtain cashback with out first taking these steps.
Cashback charges differ by retailer, starting from 1% to 40%. You may browse obtainable cashback offers by retailer, model, and class immediately via the app.
New customers can qualify for a $10 welcome bonus after spending $25. You may as well obtain a $20 referral bonus for introducing new customers who spend $20.
Customers obtain fee via PayPal or a examine each three months. To qualify for a payout, you have to accrue a minimum of $5 in cashback.
This money-making app additionally helps pc customers lower your expenses. The cashback button mechanically applies all relevant coupons, saving you the difficulty of evaluating coupons. It additionally shows cashback potential in Google search outcomes and notifications about cheaper pricing obtainable at different retailers. 
Accessible on:
iOS: 4.6 stars
Google: 4.1 stars
Survey Junkie
Survey Junkie has surveys that take quarter-hour or much less to finish based mostly on demographic questions, whereas providing instantaneous fee through reward playing cards or PayPal.
Earn cash by finishing related surveys for advertising and marketing and analysis firms
Additionally presents customers the choice to make cash by sharing searching information
Submits information anonymously to guard your id
Redeem factors for money through PayPal or on-line reward playing cards
Pre-survey id affirmation can turn into annoying
Could obtain invites to expired surveys
Some surveys embrace repetitive questions to substantiate validity
Partially accomplished surveys could also be terminated in case you don’t meet desired standards
Partnering with manufacturers and market analysis firms, Survey Junkie presents customers the chance to finish surveys in trade for factors, which might be immediately redeemed for reward playing cards or fee through PayPal. For that reason, Survey Junkie wins as one of the best money-making app for surveys.
The sign-up course of is straightforward. You create a profile by answering questions, permitting Survey Junkie to supply related surveys. Every survey awards a sure variety of factors, which might be exchanged for money. 100 factors will earn you $1, whether or not you money out with reward playing cards or select fee through PayPal. At minimal, you want 500 factors (or $5) to money out.
Surveys take, on common, quarter-hour to finish. All surveys are non-obligatory. You’ll find obtainable surveys within the dashboard, although some listed might not be lively.
Some surveys embrace repetitive inquiries to confirm your id. Notice that Survey Junkie reserves the best to disqualify and award partial factors to customers who don’t meet sure standards at any level throughout the survey.
Past demographic-based surveys, this money-making app additionally presents the choice to qualify for added surveys based mostly on searching information. The Survey Junkie Pulse extension is offered on each the cellular app and browser extension and tracks digital exercise like searches, web sites, buying, and extra to seek out new surveys for you.
Survey Junkie protects person information by submitting all responses anonymously.
Accessible on:
iOS: 4.5 stars
Google: 4.4 stars
Earn at your comfort by driving and delivering whenever you wish to, and money out on earnings as much as 5 instances per day.
Earn cash in your schedule by accepting work whenever you need
Drive passengers and ship meals via one driver app
Money out as much as 5 instances per day
Make $10 to $20 per hour after bills
As much as $500 to recruit Lyft drivers
Mannequin yr necessities can stop participation
Drivers should pay a service payment, which varies based mostly on components like price and time
Incomes potential is proscribed by location and demand
The motive force app might be finicky
Uber presents customers two methods to earn, speedy payouts, and a streamlined app for accepting new work, making it one of the best money-making app for automobile house owners. This ridesharing and meals supply large makes it simple for anybody with a automobile to earn at their comfort, supplied you qualify. You could:
As an Uber driver, you’ll be able to select to both settle for journey requests from passengers or ship meals via Uber Eats, all via the identical app.
You may money out as much as 5 instances per day. Your earnings for every journey differ based mostly on a couple of components, together with:
Uber Eats pays drivers via an analogous system.
Remember the fact that, as a driver, you’ll must cowl the price of automobile upkeep. Uber additionally prices drivers a service payment, which is deducted earlier than fee. As a result of Uber drivers are thought of impartial contractors, you’ll must pay taxes on earnings.
Accessible on:
iOS: 4.6 stars
Google: 3.7 stars
OfferUp takes a contemporary strategy to the Craigslist idea by permitting anybody to promote new or used objects via its on-line market.
Message potential consumers immediately within the app
Merely to add a picture and promote
Set both a agency worth or asking worth, with room for negotiation
Obtain money fee for native transactions, or ship merchandise nationwide
Except you select delivery, you’re answerable for supply
Search outcomes favor Promote Plus members and different promoted objects
Transport an merchandise incurs a 12.9% payment (or a $1.99 minimal payment)
OfferUp, which acquired competitor Letgo, takes the stress out of promoting on-line via its easy and easy-to-use market. As a result of it has a streamlined itemizing course of and offers customers the selection to promote domestically or nationwide, OfferUp wins as one of the best money-making app for promoting previous items.
Customers can listing a brand new product by importing an image, getting into an outline, and setting a worth. You may select to set a agency worth open to the primary prepared purchaser, or an asking worth with room for negotiation. Viewers can talk with the vendor immediately via the app to ask questions or specific their curiosity.
OfferUp primarily facilitates native transactions, however customers may also ship merchandise. Slightly than monitor presents and messages, you’ll be able to set an merchandise to “purchase now” with a set worth for delivery.
As a result of most transactions happen domestically, consumers usually pay in money.
After a shipped merchandise arrives, consumers have two days to guage it earlier than the sale is finalized. Sellers then obtain fee inside 5 enterprise days.
Selling your objects helps potential consumers discover them. You may select to advertise your merchandise by both paying in a one-off transaction or buying a membership. There are two tiers of membership, permitting you to advertise both one or 5 objects at a time.
Customers can confirm their id by confirming contact data or linking a Meta account. For native transactions, OfferUp protects customers by recommending protected public meet-up places based mostly on components like lighting, surveillance, and extra.
Accessible on:
iOS: 4.8 stars
Google: 3.9 stars
Swagbucks doesn’t pay a lot, nevertheless it presents a wide range of methods for customers to earn money, together with money again for qualifying purchases, in addition to odd jobs like taking surveys, watching movies, taking part in video games, and extra.
Simply earn factors
$10 becoming a member of bonus for customers who spend $25
Earn 10% Swagbucks via referrals
Redeem factors for reward playing cards or for money through PayPal
Motivated customers can earn $100 or extra per thirty days
Swagbucks aren’t very worthwhile; 100 SB=$1
Most duties don’t award many factors
Surveys might disqualify you throughout the course of as a result of demographics
Receiving rewards takes as much as 10 enterprise days
Highest-paying surveys solely obtainable to particular audiences
Whereas it gained’t pay like different facet hustles, Swagbucks is a straightforward manner for anybody with a smartphone to make more money by finishing odd jobs, or by incomes cashback, which is why it wins finest for odd jobs.
This money-making app companions with advertising and marketing firms in an effort to pay customers. You may earn Swagbucks (SB) by shopping for merchandise, watching movies, taking surveys, taking part in video games, and utilizing search engines like google.
Getting began is straightforward and doesn’t require fee data. The every day guidelines characteristic helps customers preserve observe of the way to earn.
Most duties are simple, however not all award the identical variety of SB. Surveys take from 5 to 60 minutes and customarily award customers between 40 to 200 SB. With 100 SB valued at $1, incomes sufficient factors to money out can take time.
Swagbucks’ survey choices are chosen based mostly on demographics. Solely customers who match particular profiles, like proudly owning a pet boa constrictor or having two units of twins, can entry higher-paying surveys.
You may earn cashback on in-store purchases by linking a bank card. After spending $25 on purchases via retail companions, new customers can earn a $10 becoming a member of bonus. Swagbucks additionally presents referral incentives.
You may redeem factors for rewards instantly via Swagbucks, however receiving money through PayPal or reward card codes might take as much as 10 enterprise days.
Accessible on:
iOS: 4.4 stars
Google: 4.1 stars
Because the world inches nearer to completely embracing the blossoming gig financial system, there’s no scarcity of money-making apps to complement or exchange your full-time job. Relying in your objectives and preferences, there are a number of choices to select from.
Rakuten is the best choice for fast and straightforward money again, whereas Swagbucks presents each money again and different easy incomes choices. Drivers can simply earn on their very own time by driving or delivering via the Uber app. In the case of long-term incomes potential, although, Upwork’s freelance market takes the cake. Freelancers can apply for as many gigs as they like, all whereas constructing a good private model that results in future work and better charges.
Cash-making apps assist customers simply earn cash in a wide range of methods, from supplementing your revenue to doing contract work full-time. There are money-making apps to:
Cash-making apps gained’t price something upfront; most are free to obtain and use. Nonetheless, some might cost customers charges, that are usually deducted from earnings. In case you discover a money-making app with a value, do your analysis to substantiate its legitimacy earlier than paying.
Most money-making apps present solely a small amount of money in trade for finishing easy duties like taking surveys, watching movies, or making purchases. Reliable apps may also have a wealth of knowledge obtainable about how they pay and shield customers.
In case you’re skeptical of a money-making app, analysis the corporate. Earlier than offering private data, learn critiques from different customers on-line or on the app retailer. If an app appears too good to be true, it most likely is.
You probably have a smartphone, you’ll be able to earn money through the use of an app. There are a lot of easy-to-use money-making apps that pay customers for taking surveys, watching movies, buying merchandise, and performing different easy duties. You gained’t get wealthy, however you’ll be able to simply complement your revenue.
We researched 14 money-making apps providing shoppers the power to earn revenue and evaluated every firm based mostly on the sign-up course of, necessities, incomes strategies, incomes potential, charges, and incentives. First, we checked out apps obtainable throughout various in style classes. Then, we thought of the advantages and disadvantages of every app as in comparison with rivals. We additionally assessed whether or not customers have the chance to earn extra by persevering with to make use of the money-making app over time.
All apps chosen can be found on each the iOS and Google app shops, with a minimum of a 3.7-star score and 20,000 critiques or extra on each platforms.
SmallBizGenius. "The Way forward for Employment – 30 Telling Gig Financial system Statistics." Accessed February 20, 2021.