The Greatest Cash-Making Apps for 2022 – Investopedia

Marisa Figat is Investopedia's Content material Integrity & Compliance Supervisor masking bank cards, checking and saving accounts, mortgage merchandise, insurance coverage, and extra.
Our editors independently analysis and advocate the most effective services and products. You possibly can be taught extra about our unbiased evaluation course of and companions in our advertiser disclosure. We might obtain commissions on purchases constituted of our chosen hyperlinks.
About 36% of U.S. staff are concerned within the gig financial system, and money-making apps have performed a big position in breaking down limitations that when saved individuals contained in the workplace. By way of free apps, you may earn revenue to repay debt, complement revenue, fund a passion, and even assist your self full time. The perfect money-making apps let you work by yourself time by means of a easy sign-up course of whereas receiving quick and simple fee.
We researched greater than a dozen money-making apps to seek out the most effective choices primarily based on elements like incomes potential, how rapidly you may obtain fee, and app retailer rankings. This roundup will allow you to select the most effective money-making app primarily based in your targets, the way you wish to earn, and the time you’re keen to take a position.
Upwork
Upwork’s simplicity, streamlined communication and potential for freelancers to earn extra over time make it the most effective money-making app, whether or not you’re selecting up a facet hustle or constructing a full-time freelance enterprise.
Easy profile set-up to seek out work in lots of of ability classes
Entice new shoppers primarily based on critiques, whole earnings, and rating
Pursue ongoing or one-off tasks by making use of straight or receiving an invite
Cost safety ensures fee for profitable work
Service payment between 5% and 20%, relying on whole earnings per consumer
Cost is delivered 10 days after billing interval ends
Purchasers can simply store for and choose decrease charges
As a freelance market driving the gig financial system, Upwork is the most effective money-making app for expert staff to attach with shoppers, whereas managing tasks in a single place. For its broad vary of accessible ability classes, profile-building options and limitless incomes potential, Upwork wins finest total.  
No matter your earlier expertise, Upwork makes it easy and simple to create a profile and apply for brand spanking new gigs. Freelancers can discover alternatives throughout lots of of ability classes spanning digital advertising, coding, translation, admin work, and way more. If you are able to do it on a pc, you are able to do it on Upwork.
By way of Upwork, you may apply for one-off alternatives or discover ongoing work with shoppers. New critiques and a rising Job Success Rating will make you a extra enticing candidate for future alternatives. Certified freelancers might obtain invites for unique alternatives.
Venture funds are held in escrow by means of Upwork’s Cost Safety program, which helps guarantee secure and well timed fee for freelancers. You possibly can obtain fee by means of direct deposit, PayPal, wire switch, or different strategies. Sadly, freelancer charges vary from 5 to twenty%. The extra you earn from a person consumer, the decrease your payment share. Funds aren’t credited to your account till 10 days after the weekly billing cycle ends.
As an unbiased contractor, you’ll need to pay taxes on earnings.
Obtainable on:
iOS: 4.6 stars
Google: 4.3 stars
Rakuten
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 no less than $20
Browser extension affords extra 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 often known 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 it’s important to spend cash to generate profits, the app permits you to get a bit of money again for purchases you would be making anyway.
After registering, customers can browse cashback affords at 1000’s of shops, 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 deciding on the supply within the app and linking your card prior to buying. Nevertheless, you may’t obtain cashback with out first taking these steps.
Cashback charges range by retailer, starting from 1% to 40%. You possibly can browse out there cashback offers by retailer, model, and class straight by means of 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 by means of PayPal or a verify each three months. To qualify for a payout, you will need to accrue no less than $5 in cashback.
This money-making app additionally helps pc customers lower your expenses. The cashback button routinely 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 out there at different retailers. 
Obtainable on:
iOS: 4.6 stars
Google: 4.1 stars
Survey Junkie
Survey Junkie has surveys that take quarter-hour or much less to finish primarily based on demographic questions, whereas providing immediate fee through reward playing cards or PayPal.
Earn a living by finishing related surveys for advertising and analysis corporations
Additionally affords customers the choice to generate profits by sharing looking information
Submits information anonymously to guard your identification
Redeem factors for money through PayPal or on-line reward playing cards
Pre-survey identification affirmation can develop into annoying
Might obtain invites to expired surveys
Some surveys embody repetitive questions to substantiate validity
Partially accomplished surveys could also be terminated if you happen to don’t meet desired standards
Partnering with manufacturers and market analysis corporations, Survey Junkie affords customers the chance to finish surveys in alternate for factors, which may be immediately redeemed for reward playing cards or fee through PayPal. For that reason, Survey Junkie wins as the most effective money-making app for surveys.
The sign-up course of is easy. You create a profile by answering questions, permitting Survey Junkie to supply related surveys. Every survey awards a sure variety of factors, which may 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 will discover out there surveys within the dashboard, although some listed might now not be energetic.
Some surveys embody repetitive inquiries to confirm your identification. Notice that Survey Junkie reserves the correct 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 affords the choice to qualify for added surveys primarily based on looking information. The Survey Junkie Pulse extension is on the market on each the cell 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 consumer information by submitting all responses anonymously.
Obtainable on:
iOS: 4.5 stars
Google: 4.4 stars
Uber
Earn at your comfort by driving and delivering if you wish to, and money out on earnings as much as 5 instances per day.
Earn cash in your schedule by accepting work if you need
Drive passengers and ship meals by means of 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 primarily based on elements like value and time
Incomes potential is restricted by location and demand
The motive force app may be finicky
Uber affords customers two methods to earn, rapid payouts, and a streamlined app for accepting new work, making it the most effective money-making app for automotive homeowners. This ridesharing and meals supply big makes it straightforward for anybody with a automotive to earn at their comfort, offered you qualify. It’s essential to:
As an Uber driver, you may select to both settle for journey requests from passengers or ship meals by means of Uber Eats, all by means of the identical app.
You possibly can money out as much as 5 instances per day. Your earnings for every journey range primarily based on just a few elements, together with:
Uber Eats pays drivers by means of an identical system.
Take into account that, as a driver, you’ll have to cowl the price of automotive upkeep. Uber additionally prices drivers a service payment, which is deducted earlier than fee. As a result of Uber drivers are thought-about unbiased contractors, you’ll need to pay taxes on earnings.
Obtainable on:
iOS: 4.6 stars
Google: 3.7 stars
OfferUp
OfferUp takes a contemporary strategy to the Craigslist idea by permitting anybody to promote new or used objects by means of its on-line market.
Message potential patrons straight 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
Until you select delivery, you’re chargeable 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 by means of 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 regionally or nationwide, OfferUp wins as the most effective money-making app for promoting previous items.
Customers can record a brand new product by importing an image, getting into an outline, and setting a worth. You possibly can select to set a agency worth open to the primary keen purchaser, or an asking worth with room for negotiation. Viewers can talk with the vendor straight by means of the app to ask questions or specific their curiosity.
OfferUp primarily facilitates native transactions, however customers can even ship merchandise. Slightly than monitor affords and messages, you may set an merchandise to “purchase now” with a set worth for delivery.
As a result of most transactions happen regionally, patrons usually pay in money.
After a shipped merchandise arrives, patrons 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 patrons discover them. You possibly can 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 identification by confirming contact data or linking a Meta account. For native transactions, OfferUp protects customers by recommending secure public meet-up areas primarily based on elements like lighting, surveillance, and extra.
Obtainable on:
iOS: 4.8 stars
Google: 3.9 stars
Swagbucks
Swagbucks doesn’t pay a lot, however it affords 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 by means of referrals
Redeem factors for reward playing cards or for money through PayPal
Motivated customers can earn $100 or extra monthly
Swagbucks aren’t very precious; 100 SB=$1
Most duties don’t award many factors
Surveys might disqualify you throughout the course of resulting from demographics
Receiving rewards takes as much as 10 enterprise days
Highest-paying surveys solely out there to particular audiences
Whereas it received’t pay like different facet hustles, Swagbucks is a straightforward means for anybody with a smartphone to make extra cash by finishing odd jobs, or by incomes cashback, which is why it wins finest for odd jobs.
This money-making app companions with advertising corporations with a purpose to pay customers. You possibly can 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 easy and doesn’t require fee data. The every day guidelines function helps customers hold observe of the way to earn.
Most duties are straightforward, 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 primarily based 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 possibly can earn cashback on in-store purchases by linking a bank card. After spending $25 on purchases by means of retail companions, new customers can earn a $10 becoming a member of bonus. Swagbucks additionally affords referral incentives.
You possibly can redeem factors for rewards instantly by means of Swagbucks, however receiving money through PayPal or reward card codes might take as much as 10 enterprise days.
Obtainable 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 substitute your full-time job. Relying in your targets and preferences, there are a selection of choices to select from.
Rakuten is the most suitable choice for fast and simple money again, whereas Swagbucks affords each money again and different easy incomes choices. Drivers can simply earn on their very own time by driving or delivering by means of 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 received’t value something upfront; most are free to obtain and use. Nevertheless, some might cost customers charges, that are usually deducted from earnings. In the event you discover a money-making app with a price, do your analysis to substantiate its legitimacy earlier than paying.
Most money-making apps present solely a small amount of money in alternate for finishing easy duties like taking surveys, watching movies, or making purchases. Legit apps will even have a wealth of data out there about how they pay and defend customers.
In the event 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 may earn money through the use of an app. There are various easy-to-use money-making apps that pay customers for taking surveys, watching movies, buying merchandise, and performing different easy duties. You received’t get wealthy, however you may simply complement your revenue.
We researched 14 money-making apps providing customers the flexibility to earn revenue and evaluated every firm primarily based on the sign-up course of, necessities, incomes strategies, incomes potential, charges, and incentives. First, we checked out apps out there throughout quite a lot of common classes. Then, we thought-about the advantages and downsides 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 no less than 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.

supply