7 of the Best Money-Making Apps of 2023
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For those looking to make money in an easily accessible way, apps provide plenty of avenues to consider. You can use your smartphone to take surveys, pick up a side gig, sell your unwanted stuff and more.
Here’s the scoop on seven free money-making apps. NerdWallet considered apps with at least four stars and 25,000 reviews in both Google Play and the iOS App Store.
7 of the best apps to make money
- Chase CD rates
- How to maximize your rewards
- 1. Earn with ads as a YouTube Partner Program member
- Installment loans provide a lump sum of money
- 1. Delay your application
- How does my credit score impact personal loan offers?
- 1. Ibotta
- 1. Contact your old employer about your old 401(k)
- 2022 tax table: single filers
- What’s the difference between a gift card and a prepaid debit card?
- Medicare initial enrollment period
- Credit limits, and how you use them, matter
- 1. E-commerce store
- How do I see my credit score for free?
- 1. You can purchase United TravelBank credits for your account
- Revolving credit provides flexible funds
- 2022 tax table: married, filing jointly
- 1. If you need to top up an award
- 2. Social media marketing
- What if I need an SR-22 form?
- 2. Work longer
- Alliant: Best for fast funding
- 2022 tax table: married, filing separately
- With credit, older is better
- Our pick for: Intro APR
- Option 1: Check your EIN confirmation letter
- In 2023
- What happens if you miss the initial enrollment period?
- 3. Freelance graphic design
- Will pre-qualifying affect my credit score?
- 2. United TravelBank credits are valid for five years
- 2022 tax table: head of household
- 2. If the price of a ticket is more expensive than buying miles
- 2. Rakuten
- 2. Find your 401(k) with your Social Security number
- 3. Earn more
- What do I need to pre-qualify for a personal loan?
- PenFed: Best for co-sign and joint loan options
- 4. Freelance writing
- How could the money disappear?
- 3. You can get United TravelBank credits by holding an IHG card
- In 2024
- Automatic enrollment
- High annual fees or poor customer service
- Set loan amount is needed
- Option 2: Check other places your EIN could be recorded
- 5. E-book writing
- First Tech: Best for debt consolidation
- 2023 tax table: single filers
- You've graduated to a permanent card
- Why are so many PSLF applications rejected?
- Long-term financing needs
- 4. Consider your spouse
- How long will it take to pre-qualify?
- Is rental car coverage primary or secondary?
- 2. Take a cut with affiliate marketing
- Do you regularly fly on Alaska or its partner airlines?
- 3. To keep miles from expiring
- 3. Swagbucks
- 2023 tax table: married, filing jointly
- Can I register a prepaid debit card for someone else?
- Divorce or separation from a spouse
- Our pick for: Travel
- Larger funding needs
- 4. It’s possible to use credit card travel credits to fund your United TravelBank
- Fetch Rewards
- How do I make sure coverage applies to my rental?
- Do you value the benefits offered by Alaska credit cards?
- 6. Translation
- Navy Federal: Best for military members
- 2023 tax table: married, filing separately
- Preference for predictable payments
- 3. Search unclaimed property databases
- What coverage is included?
- Using the out-the-door price online
- Do you often travel with others?
- 5. Investigate divorced spouse benefits
- 5. You can't use United TravelBank funds for other travel purchases
- 2023 tax table: head of household
- Can I get a refund for the card?
- Call and ask for better terms
- 4. If there’s a great bonus on purchased miles
- 7. Editing
- What isn't covered?
- Short-term financing needs
- 4. Fiverr
- 3. Land a brand deal and make sponsored content
- 8. Writing a blog
- What vehicle rentals are excluded?
- Is a prepaid debit card ever a good idea for a new graduate?
- Build your score and then switch
- Fluctuations in cash flow
- 6. Add your minor child
- What do I need for my loan application?
- 6. The United TravelBank doesn't earn interest
- How long will the rental be covered?
- Try different ways to avoid overspending
- Our pick for: Bank of America® customers
- 9. Freelance researching
- Preference for flexible loan amount and payments
- What if I don’t have personal auto insurance?
- 4. Sell some merch
- 10. Freelance coding and web design
- 7. Suspend your benefit
- 5. Upwork
- How does coverage vary for international rentals?
- 11. Software and app development
- How will my loan application affect my credit score?
- 5. Offer memberships
- 8. Use a do-over
- How to maximize your rewards
- What is the procedure for filing a claim?
- How long will it take for my application to be approved?
- 12. Business coaching
- Our pick for: A store card
- 6. OfferUp
- How long will it take to get funded?
- 13. College consulting
- Receipt Hog
- Option 3: Call the IRS to locate your EIN
- 14. Tutoring
- 7. Poshmark
- 15. Online fitness trainer
- Our pick for: An airline card
- 16. SEO consulting
- More from NerdWallet
- 17. Selling handmade goods
- 18. Virtual thrift shop
- Direct quotes online or over the phone
- 19. Affiliate marketing
- Our pick for: SoFi customers
- 1. Ask the company
- 20. Accounting or bookkeeping
- 2. Search SEC filings
- Captive insurance agents
- 21. Telemarketing
- 22. Online personal assistant
- 3. Inquire with a credit bureau
- 23. Data entry
- 4. Use a paid EIN database
- Independent insurance agents and brokers
- 24. Transcription
- 5. Use Melissa Database for nonprofits
- 25. Travel planning
- Comparison websites
- 26. Cybersecurity and IT consulting
- Specialty agencies
- 27. Online therapy
- 28. PR consulting
- 1. How do I get a tax ID number for a small business?
- 29. Podcasting
- 2. Is a business tax ID number the same as an EIN?
- 30. Life coaching
- 3. Can you have a business without an EIN?
- 31. Video production
- 4. Do I need an EIN if I am self-employed?
- 32. Resume writing and career coaching
- 33. Dropshipping
- 34. Recruiting
- 35. Marketing consulting
- 36. Online fundraising or grant writing
- 37. Online course teaching
- 38. Online cooking instruction
- 39. YouTube channel
- 40. Voiceover work
- 41. Start a team
- How do you want to make money?
- How will you find work?
- How much autonomy do you want?
The best money-making apps
How it works: Ibotta lets you earn cash back on in-store and online purchases at over 2,000 supported retailers. Originally for groceries, it has expanded to include clothing, entertainment and eating out, pet supplies and other categories. Offers can be product or retailer-specific — and some will automatically be applied. For others, you’ll need to complete an additional task such as watching a video or taking a poll.
There are three possible ways to earn cash back in stores: Add offers and submit your receipt in the app after your shopping trip (you have 7 days to send in your receipt through the app), link your retailer loyalty accounts or purchase a retailer gift card through the Ibotta app. For online purchases, you shop through the app or with the Ibotta browser extension on your computer.
Payment: PayPal, digital gift card or direct to a bank account.
Pros: You’ll receive cash back on in-store purchases quickly — typically within 24 hours. Ibotta also offers a welcome bonus to new users, referral bonuses and a variety of payment methods.
Cons: Making money can be a slow process. You must have at least $20 in cash back to redeem your earnings (some gift cards require at least $25 in earnings). For online shopping, the pending period for earning cash back varies by retailer. Ibotta also charges an account maintenance fee for inactive (no activity in 6 months) or deactivated accounts. The fee is deducted from your balance, not your bank account.
How it works: Rakuten (formerly known as Ebates) rewards shoppers with cash back on purchases from well-known retailers, restaurants and food delivery services. Users can also earn cash back on travel, gift cards and more. It’s straightforward: Create an account, tap on the store where you want to shop in the app, then make the transaction through the portal. You can also link a credit or debit card to your Rakuten account to earn cash back in-store — as long as you activate the deal through the app first. Rakuten credits the cash back to your account after it confirms the purchase with the retailer, which it says can take a few hours to several days.
Payment: PayPal or "Big Fat Check."
Pros: Thousands of stores and purchases are eligible for cash back, so you’ll likely find deals where you already shop. New users can earn a $10 welcome bonus after their first qualified purchase. You can also earn sign-up and referral bonuses. You can make an impact with your cash back earnings by donating a portion to nonprofit partners.
Cons: As with most cash-back services, you have to spend money to make money. You won’t see your earnings right away, either; Rakuten sends out payments every three months on the company's payment schedule, and you need at least a $5 cash-back balance to get paid. Unlike other apps like Ibotta, you have to remember to initiate your purchase in the app first. If you forget and make your purchase outside of the app, you can't get credit retroactively.
How it works: Swagbucks is a cash-back and rewards app. You earn points, called "SB," by shopping online (there are over 1,500 participating retailers), taking surveys, watching videos, playing games or fulfilling other tasks through Swagbucks. You can redeem those points for gift cards or get cash back to your PayPal account. The total points awarded can vary by task. For example, surveys are typically worth about 40 to 200 SB points each. The minimum balance required to redeem depends on the payout option you choose, but some gift cards are available for as low as 110 SB.
Payment: E-gift card or PayPal. You can also redeem SB for Bitcoin through the new Cryptovoucher Gift Card options.
Pros: Swagbucks offers many easy ways to earn rewards, and there’s no waiting period to cash in. Payments usually arrive within 10 business days after redemption. You can also get a $10 bonus with a qualifying $25 purchase when you join.
Cons: It doesn’t pay much; one SB is worth about a cent. With many tasks valued at pennies, it can take a fair amount of time and effort to make substantial money. Additionally, you won’t qualify for every survey or task, although users can earn up to 5 SB per day if they disqualify. Users often report getting kicked out of surveys in the middle of taking them. This can be due to demographics or dishonest or inconsistent answers, according to Swagbucks.
How it works: Fiverr is a freelancing marketplace that features gigs in over 200 categories, such as programming and video and animation. Create an account first, then you can set your profile as a "seller" highlighting your expertise. Post the gig you’re offering, which will include pricing and a description of your services. Pricing ranges from $5 to $995. Clients, known as "buyers," can click through and place orders. You’ll get paid once you complete the job. Fiverr assigns seller levels based on performance. As you move up each tier, you’ll be able to sell more “extras,” such as a faster delivery time.
Payment: PayPal, direct to a bank account or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and you may be charged a withdrawal fee, depending on which option you choose.
Pros: You don’t have to worry about tracking down buyers because they come to you. You can also earn tips. Fiverr also boasts its flexibility, allowing sellers to complete gigs in their own time or around their 9-5 jobs.
Cons: Fiverr takes 20% of your earnings for every gig, including tips, and there’s a standard 14-day waiting period to withdraw money after completing an order (top-tier sellers wait seven days for funds to clear).
How it works: Upwork connects freelancers to gigs in writing, design, marketing and other categories on the marketplace. First, you’ll create a profile. It should include information such as the field you’re interested in plus your qualifications, availability and desired rate. Then, you can submit proposals. Clients will review them and offer projects if you seem like a good fit.
You begin each month with a set number of “Connects,” which are like credits that allow you to contact prospective clients. You can earn or pay a small sum for more Connects, but you won’t be charged when clients contact you. You can get paid on an hourly or per-project basis.
Payment: Direct to U.S. Bank, direct to your bank account, wire transfer, Instant Pay, PayPal and Payoneer. Charges apply to some payment options, so be sure to check Upwork for details.
Pros: Upwork helps take the work out of seeking out clients, establishing relationships and getting paid. The service also gives you the flexibility to set your preferred rate and schedule.
Cons: The app is free to download, but initiating contact with lots of clients costs money. Users also get charged a service fee. Upwork takes a 5% to 20% cut of your earnings based on how much you’ve billed a client. The more you earn, the more you get to keep. However, you won’t get paid until 10 days after the billing period ends. Remember, too, that you’re competing with other freelancers on the platform. That means clients may choose those who’ve set lower rates.
How it works: OfferUp, which combined with competitor Letgo in 2020, functions as a local marketplace you can use to sell your stuff. If you want to reach a broader audience, OfferUp also allows shipping anywhere within the United States except for Alaska, Arkansas and Hawaii. Create an account and snap a picture of your smartphone, car, sofa or whatever it is you’re selling. Once you add a title, description and price, you can post your listing and chat with buyers directly through the app. Then, you'll ship to or arrange a meeting with the buyer.
Payment: When selling locally, OfferUp recommends sellers take cash from buyers and stay clear of accepting payments by check, cashier's check or using other apps. For shipments, sellers can set up deposits to a debit card or bank account.
Pros: Creating a listing is simple and fast, and you’ll get paid instantly when you make a cash sale. You can also view a prospective buyer’s reviews and ratings to get an idea of how trustworthy they are beforehand. If you ship your item, the buyer pays the cost, and OfferUp provides the label.
Cons: You’re responsible for meeting local buyers in person and handling transactions. Sellers must pay a 12.9% service fee, or a minimum of $1.99, for shipments. To be successful, you’ll likely need to invest in a printer so you can print the shipping labels and mail items to buyers.
How it works: The Poshmark app is tailor-made for selling clothes, accessories and even home decor. After signing up, you take or upload photos of your item, fill out a description, price it and share the listing. You can also feature items in the app’s "Posh Parties," which are virtual shopping events centered around particular brands, categories and themes. Poshmark emails you a prepaid and pre-addressed shipping label once a purchase is made. Then, you send the package via USPS.
Payment: Check, PayPal, Venmo, Instant Transfer to an eligible Visa or Mastercard debit card, or direct deposit to a bank account.
Pros: Poshmark facilitates the entire process, from selling to shipping. Plus, you don’t have to meet with strangers to make a sale. The company will cover lost packages and handle issues between you and the buyer. Getting paid is relatively quick, too; Poshmark issues the money within three days of the buyer receiving the order.
Cons: You’ll pay a fee for selling through Poshmark. The company takes a $2.95 commission for sales under $15 and a 20% commission for sales of $15 or above.