7 of the Best Money-Making Apps of 2024
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
For those looking to earn 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 3.8 stars and 25,000 reviews in both Google Play and the iOS App Store.
7 of the best apps to make money
- LOOKING TO SAVE ON INTEREST?
- How do we review brokers?
- Shopping for Medicare plans? We have you covered.
- Business insurance ratings methodology
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Shopping for Medicare Advantage plans? We have you covered.
- How to maximize your rewards
- Retirement health cost estimator:
- Environmental
- Fixed or adjustable rate?
- 1. Abuelo’s
- Winner: British Airways
- 1. Earn with ads as a YouTube Partner Program member
- Log in to your account
- 1. Delay your application
- 1. High ongoing rates
- Amazon
- 1. Google Flights
- Social
- Winner for the most destinations: Delta
- Next Insurance
- Insurer complaints methodology
- 1. Create educational content or activities
- EVs can provide long-term fuel savings
- TruckSmarter
- What mortgage terms are best for me?
- 1. You're more likely to get flight delay compensation on Alaska than any other U.S. airline
- How does my credit score impact personal loan offers?
- 2. Auntie Anne’s
- American Airlines
- 1. Morningstar
- Get in touch ASAP
- 1. Accounting and bookkeeping
- 1. Ibotta
- 1. Pick up freelance work online
- Early repayment fees
- Other factors to consider
- 2023 HSA contribution limits
- How it works
- Astraea Lesbian Foundation for Justice
- Traditional IRA deductions
- AtoB
- Average FICO 8 score by age
- 1. Open an investment account
- 1. Redeem miles for American flights
- Use the right flight booking tools
- Governance
- They don’t meet minimum time in business requirements
- Pre-installation evaluation: $250 for a 2,000 square foot home
- 2. Offer virtual team-building
- Step 1: Decide what kind of fitness business you want to operate
- 1. You have to borrow from a 'real' business lender
- Our pick for: Simplicity
- Search for your award flight on the American Airlines website
- What if I'm trying to remove myself as an authorized user?
- 2. A sign-up bonus
- What is a good FICO score?
- How do I see my credit score for free?
- Capers Cafe Le Bar
- Coverage eligibility
- NVIDIA Corp (NVDA)
- 1. Roll your debts onto a balance transfer credit card
- Franchise
- Understand the budgeting process
- 1. Link the two accounts
- 3. Baskin-Robbins
- 1. Keep your charges on each card to a minimum
- 1. It applies only to investments held in taxable accounts
- 1. Sign up for rental car loyalty programs
- Axos Basic Business Checking
- Monthly after-tax income
- Chase Freedom Flex℠ and Chase Freedom®
- Additional Medicare tax
- Check how long the initial HELOC rate lasts
- Construction-to-permanent loans
- Who needs life insurance?
- 2. Alaska Airlines doesn't guarantee cash compensation for delays
- Single-trigger RSUs: time-based vesting
- Credit limits, and how you use them, matter
- 1. Airline elite status
- They haven’t built business credit history yet
- General terms for impact investing
- Duty-free? Maybe not
- Front-end ratio
- 3. Start a meal-prep business
- 2. Business consulting
- If any of these situations apply to you
- Minimum down payments and credit scores
- Our pick for: Hotels.com users
- Step 1: Enter your personal information
- National Pride Grant for LGBTQIA+ Small Businesses
- Dogecoin vs. Shiba Inu
- 2. Work longer
- 3. A variety of redemption options
- Transportation Management Group
- Forming a union
- Why it’s the best
- There are mileage limits
- 2. Provide external account information
- 4. Benihana
- Welcome bonus
- Pay with miles from partner airlines
- 2. Finviz
- 2. It’s not as financially fruitful if you’re in a low tax bracket
- Ductwork and design: $500 to $7,500
- Cheap auto insurance from large companies
- 1. Cast a wide net
- LendingClub Tailored Business Checking
- Discount points
- 50% of your income: needs
- Positive Rent Payment pilot program
- Accident-free or 'good driver' discount
- 2024 HSA contribution limits
- What sets Amex Express Checkout apart
- Net investment income tax
- EBay
- Understand your offered rate
- Construction-only loans
- Average VantageScore 3.0 score by age
- Symbotic Inc. (SYM)
- Review of your finances
- 1. Consider your vending machine options
- Cathay Pacific
- Our pick for: Rich travel rewards
- 1. Give your money a goal
- Environmental, social and governance investing
- Back-end ratio
- Hot wallet
- 4. Create a food waste solution
- 1. EB-1 green card for extraordinary people
- Step 2: Get trained
- Retirement benefits
- 1. Know what you own — and why
- Get on an IRS payment plan
- Down payment
- What is a good VantageScore?
- Coast
- 2. Pick stock funds instead of individual stocks
- Dealership
- 3. Confirm the new account
- 5. Bojangles
- Their annual revenue isn’t high enough
- 3. Marketing services
- Documents to have on hand for Global Entry renewal
- 2. You have to actually spend your business loan
- Check seating charts
- Chase Business Complete Banking
- Pros
- Step 2: Account for multiple jobs
- Pay the difference in cash
- 3. Alaska Airlines offers bonus miles or a discount code for lengthy delays
- Double-trigger RSUs: performance-based goals
- Upstart Holdings Inc. (UPST)
- Leasing can be cheaper than buying
- With credit, older is better
- Online brokerage account
- 2. Ask for higher credit limits
- Delta Air Lines
- Personal loan pros and cons
- 3. Yahoo Finance
- 2. Get rental car elite status through credit cards or airline/hotel elite status
- 5. Capitalize on plant-based foods
- If you qualify for a hardship withdrawal
- 2. Rakuten
- Sole proprietorship pros
- Other factors to consider
- You can eliminate some maintenance costs
- Ask for an offer in compromise
- Try it and get a statement credit
- The Transform Business Grant
- Credit score
- 3. Earn more
- 4. Airline statement credit
- Roth IRA contributions
- Bonanza
- Consider a fixed rate vs. a variable rate
- Renovation loans
- Will pre-qualifying affect my credit score?
- Property appraisal and title search
- 6. Chick-fil-A
- Step 1: Find a gold ETF
- Their cash flow isn’t reliable
- 3. If you're going for it, you have only until Dec. 31
- 4. Real estate business
- Information to have on hand for Global Entry renewal
- Step 3: Write a business plan and select an entity
- 2. Test websites and apps
- Debt-to-income ratios
- Cons
- 30% of your income: wants
- Free rent-reporting services tenants can use on their own
- Defensive driver discount
- You decide: Is SHIB a good investment?
- EveryDollar
- EITC 2023
- Airline-specific websites
- How it works
- It’s not what you can borrow, it’s what you can afford
- What is the average credit score overall?
- 2. Apply for a credit card consolidation loan
- 2. Redeem American Airlines miles on partners
- Credit requirements
- Independent small business
- 2. Kayak
- Annual fee
- The least hassle possible
- 1. Contributions can be withdrawn at any time
- Winner for most reliable airline: Delta
- Chubb
- Compare insurance rates for 20-year-olds
- The type of central air unit: $600 to $24,000
- Cheap car insurance from midsize companies
- 6. Start a dropshipping business
- Reduce the monthly payment
- Sole proprietorship cons
- Use the cancellation policy on your award ticket to your advantage
- VA and USDA loans: 0% down payment
- Bank of America Business Advantage Fundamentals
- Origination fees
- Step 1: Fund your cleaning business
- Other taxes
- File an appeal
- Debt-to-income ratio
- 5. Transfer partners
- 1. The home must be your principal residence
- WEX
- What do I need to pre-qualify for a personal loan?
- Westward Whiskey
- Why it’s the best
- For beginners: Fidelity
- 4. Set up external electronic transfers
- Dive deep to compare fares
- 7. Chili’s
- Managed brokerage account
- Step 2: Analyze the ETF
- Transfer points from Chase, American Express or Capital One
- Virgin Atlantic
- 4. TradingView
- Crypto.com DeFi Wallet: 4.8 out of 5 stars
- Winner: Emirates
- Don’t reach out over email
- Traditional IRA income limits for 2023 and 2024
- Roth IRA income limits for 2023 and 2024
- 1. Get sponsored
- How to avoid the charity scam
- Services provided by landlords
- Telematics discount
- Step 3: Claim dependents, including children
- Discover it® Cash Back and the Discover it® Student Cash Back
- Home equity loans pros and cons
- Apex Capital
- Under 35
- Look for the lowest HELOC rate cap
- Car maintenance is important
- Index examples
- A decision is made
- Best for round-trip awards: ANA Mileage Club
- Potential for high returns
- 4. Tax-loss harvesting is most useful if you’re investing in individual stocks, actively managed funds and/or exchange-traded funds
- Getting the best HELOC rate
- Understand inflation's effect on your money over time
- 5. Event planning
- Pay off the loan faster
- 20% of your income: savings and debt
- 2. Trust in diversification
- Bankruptcy
- Tesla car insurance rates by state for a Model 3
- FSA contribution limits 2023 and 2024
- Cadence Cash Thrive Grant
- Cash reserves
- You often borrow other people’s cars
- Credit Karma
- Estimate how much you could save by refinancing
- Google Flights
- Where to get it
- Joining a union
- Existing business
- High annual fees or poor customer service
- Only certain types of transfers are allowed
- 8. Cinnabon
- Bonus points at IHG hotels
- 2. Decide how much help you want
- 3. Check in online before arriving
- 1. Make dollar-cost averaging your friend
- Preparation and packing
- DTI ratio examples
- 7. Curate subscription boxes
- 2. EB-2 green card with a national interest waiver
- 1.Meet the requirements
- Conventional mortgages: As low as 3% down payment
- Appraisal and inspection fees
- Earn by flying
- EV subsidies and incentives can save you money
- Why improved credit isn't always a good reason to remove an authorized user
- Our pick for: Priceline users
- Step 4: Refine your withholdings
- Medicare Parts A, B, C and D: What’s the difference?
- 4. Consider your spouse
- 6. Special access to live entertainment
- Owner-builder loan
- How age can influence scores
- 3. Stay invested with the "buy and hold" strategy
- Funding Circle
- It can be costly to end your lease early
- DTI for VA loan
- Bankers Life insurance riders
- 3. Set up balance alerts to stay on top of spending
- 5. StockFetcher
- 2. Take a cut with affiliate marketing
- 6. Video production
- 2. Verify their credentials
- Best insurance company overall: Travelers
- 3. Learn to use AI tools
- Lengthen the repayment term
- Mortgage insurance
- American now uses dynamic award pricing
- Step 2: Choose your market
- Establishing domicile
- Services that charge renters
- David Bohnett Foundation
- Documentation
- 2. You must have owned the home for at least two years
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 4. Claim a free meal or overnight accommodation on certain delays
- 1. States with no income tax
- You've graduated to a permanent card
- Pros of derivatives
- Buying a put example
- 9. Cold Stone Creamery
- JetBlue Airways
- Our pick for: Intro APR + high rewards on everyday spending
- Business credit cards
- 5. You must keep your apples and oranges straight
- 4. Rent at an off-airport location
- Get creative about what you buy (and where)
- Fidelity is best for:
- Fidelity at a glance
- Step 4: Get necessary permits and insurance
- If you are converting your 401(k) to an IRA
- 3. Swagbucks
- 2.Pick your path
- FHA loans: As low as 3.5% down payment
- How this calculator works
- How much is Netflix a month?
- 1. Making money
- Step 5: Sign and date your W-4
- Goodbudget
- Renegotiate with the seller
- EITC 2024
- TAFS
- Other fuel cards to consider
- How long will it take to pre-qualify?
- 1. Examine your revenue
- Reasons for unfreezing your credit
- Allow up to 50% of your income for needs
- There is a pro-rata rule for backdoor Roths
- Step 3: Buy the gold ETF
- 2. More time means more growth
- Zengo Wallet: 4.8 out of 5 stars
- Deciding whether to get a lawyer
- Be upfront, honest and specific
- Size of the AC system
- 7. Podcasting
- Tap into equity
- Term loans
- 3. Consider buying the dip
- HSA contributions
- Appraisals
- You rent cars frequently
- 7. Travel protection
- Premium tax credit eligibility
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Pros of debt consolidation
- Ages 35 to 44
- What factors affect the amount you can borrow
- Why it’s the best
- Divorce or separation from a spouse
- Pros
- The highest price
- Lower risk
- SBA microloans
- Cheap car insurance after a speeding ticket
- 8. Create an airport-centric app
- 3.Network
- Jumbo loans: As low as 5%-10% down payment (varies)
- Restaurant Business Development Program
- Citi Dividend
- Other ways to overcome an appraisal gap
- 5. Only certain Alaska flight delays are eligible for compensation
- Capers Market
- 3. Upgrade your seats
- The pros
- 10. Del Taco
- 1. Cash dividends
- 4. Pay your bill before your issuer reports to the credit bureaus
- Credit card pros and cons
- Installation and labor: $75 to $250 per hour
- Our pick for: Online purchases
- You might have to pay hefty fees on international partner award flights
- Mortgage and title insurance fees
- EVs are better for the environment
- Cost (and quality) of living
- FSA contributions
- Dun & Bradstreet business credit scores
- How much is YouTube TV?
- 1. Decide where to buy SHIB
- 5. Investigate divorced spouse benefits
- Same term: If you refinance at 25 years
- Cheapest full coverage car insurance in Texas for 20-year-olds
- 2. States with flat income tax rates
- Tips for unfreezing your credit
- Add photos and videos
- Seller concessions
- 3. Expedia
- Cons
- Spending bonus
- Best for nonstop one-way flights: Virgin Atlantic Virgin Points
- 3. Investing can trump saving over the long term
- 2. Flight discounts
- Online loans
- 3. Pick an investment account
- Reassess your budget
- Huckleberry
- 9. Become a destination wedding planner
- 8. IT consulting
- 4.Start applying for jobs or pitching your services
- Get rid of FHA mortgage insurance
- Term life insurance rates for nonsmokers
- How to avoid the hotspot scam
- Step 3: Find a specialty — and stick to it
- Alumni or membership discounts
- Home equity lines of credit pros and cons
- 8. Cell phone protection
- 1. Find a dividend-paying stock
- 4. You cannot have claimed the home sale capital gains exclusion recently
- RTS Financial
- 1. Zero-mile MileagePlus awards via the United Excursionist Perk
- Negotiating as a union
- 2. Subtract fixed costs
- Bluevine
- Other potential factors
- Cons of derivatives
- 11. Denny’s
- 2. Stock dividends
- Southwest Airlines
- 6. Fidelity
- 6. Don’t sell your losers just to get the tax break
- 5. Use a peer-to-peer car rental service
- 2. Diversify your holdings
- Step 5: Get an EIN
- Understanding your results
- Our pick for: General travelers
- NGLCC Community Impact Grant Program
- You frequently use a car-sharing service
- Price
- Poshmark
- How it works
- How can I qualify to borrow more?
- Construction loans to build a house
- FICO score ranges
- Should you invest in retail stocks in 2023?
- 4. Check out dividend-paying stocks
- 3. States with progressive tax structures
- 3. Tap your home equity for a loan or line of credit
- Among investment apps: Acorns
- Call and ask for better terms
- Leave 30% of your income for wants
- Application decision
- Personal loans
- Winner for the lowest fees: JetBlue
- How do I access a HELOC?
- 3. Land a brand deal and make sponsored content
- 10. Make local guides
- 9. Catering
- 3. Make sure they’re a good fit
- 4. Fiverr
- Switch from an adjustable- to a fixed-rate loan
- Business lines of credit
- Revocable life insurance trusts
- Term life insurance rates for smokers
- EV range can still be a sticking point
- Military and federal employees discount
- How much is Hulu?
- Shorter term: If you refinance to 20 years
- 5. You cannot have bought the house through a like-kind exchange
- Cons of debt consolidation
- Ages 45 to 54
- 4. Redeem AAdvantage miles for merchandise, other travel and more
- Choose cars that hold their value
- The cons
- 12. Edible Arrangements
- 3. Dividend reinvestment programs (DRIPs)
- A sure, fast closing
- 4. The tax advantages are prime for kids
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 4. Take surveys for money
- Mortgage rates
- Conventional loans
- Deductibles, limits and payouts
- Step 4: Plan the business budget
- Equifax business credit scores
- Pros
- You drive a company car
- 6. Add your minor child
- Ruby Lane
- Free online tax filing software compared
- VantageScore ranges
- ARM caps
- Complete your listing details
- Protect your credit
- Elite status
- 5. Monitor your total credit utilization
- 3. Caesars Diamond status
- 7. Put the cash from the sale to good use
- How much does a HELOC cost?
- Guarda: 4.6 out of 5 stars
- Cheap auto insurance after an accident
- 10. Social media management
- Step 6: Get funding
- 2. Promote your business
- Earn by spending on credit cards
- 4. Think about getting a second opinion
- What is Tesla Insurance?
- Pepper Startup Grant for Black Women
- Which is better when?
- 2. Evaluate the stock
- Your money management style
- 6. You cannot be subject to expatriate tax
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Why it’s the best
- Check leasing specials
- Build your score and then switch cards
- 13. Firehouse Subs
- 4. Special dividends
- Impact investments made by individuals:
- 11. Create a local grocery delivery service
- 4. Review their fees
- Best insurance company for affordability: NJM
- 3. EB-5 green card for investors
- Short-term loan
- Alaska
- Health savings accounts (HSAs)
- You need an SR-22 or FR-44 form
- Longer term: If you refinance to 30 years
- 1. Figure out your gross income
- Pay bills on time
- TBS Factoring
- Ages 55 to 64
- Where to get it
- Renovation loans to buy and repair fixer-uppers
- Perkins loans
- 6. Know all of your options during a flight delay
- 5. Explore new industries
- 3. Subtract variable expenses
- OnDeck
- 1. Have a goal for your index funds
- What is the Global Entry interview like?
- 4. Capital One Travel
- Unsecured funds
- 2. Find the right location for your vending machine
- 5. The money can be used for more than retirement
- Our pick for: Everyday spending
- Compare car insurance rates for 35-year-olds
- Irrevocable life insurance trusts (ILITs)
- Whole life insurance rates for nonsmokers
- How much is Disney+?
- 2. Fund your account
- Bonus features
- Cash management accounts
- Etsy
- Price the car
- Disability housing grants
- Try different ways to avoid overspending
- Commit 20% of your income to savings and debt paydown
- Keep your job
- Buying a put vs. shorting example
- 14. IHop
- 5. Preferred dividends
- Perks that are the same
- Fewer contingencies
- Make Money
- Impact investments made by companies and foundations:
- 3. Invest in sectors that perform well in recessions
- Acorns is best for:
- How to maximize your rewards
- Acorns at a glance
- Custodial wallet
- 4. Sell some merch
- 1. Examine your cooling needs
- 12. Start a virtual event planning company
- 11. Business planning service
- How much do you need to invest for a business green card?
- Flexible spending accounts (FSAs)
- Experian business credit scores
- Itemize your deductions using credit card tools
- Cons
- 7. Suspend your benefit
- 3. Decide how much stock you want to buy
- 2. Find your adjusted gross income
- Keep credit utilization below 30%
- HEAL loans
- What do I need for my loan application?
- Etihad Guest Miles
- Exodus: 4.5 out of 5 stars
- Personal loans
- Loan limits
- Whole life insurance rates for smokers
- Nationwide the EV infrastructure is in its infancy
- Florida
- 5. Focus on the long term
- Alternative energy discount
- Queer to Stay: An LGBTQ+ Business Preservation Initiative
- You want to maintain continuous coverage
- Account linking
- Ages 65 to 74
- 2. 2,240-point Southwest flights
- Ways to build credit
- 2023 tax rates by state
- Get quotes from dealers
- 2. Research index funds
- After you're approved for Global Entry
- Understand basic economy vs. regular economy
- 15. Melting Pot
- 6. Dividend funds
- United Airlines
- 4. Hilton Gold elite status
- Impact made by shareholder advocacy:
- 2. Time it right
- 12. Tax consulting
- 5. Upwork
- 5. Make money from your blog with affiliate links
- Government-backed loans
- How to avoid the sign-up farm scam
- What’s covered and what’s not
- How much is Max?
- 2. Managing money
- Keep credit accounts open
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 4. Borrow from your 401(k)
- Native American Direct Loan
- The missing piece: Long-term care
- Respond quickly to lender requests
- Benefits unique to the IHG One Rewards Premier Credit Card
- Eureka
- Thimble
- 13. Sell zero-waste products
- How Tesla Insurance works
- Anti-theft devices discount
- Government bonds
- Resident status rules
- 3. Make your purchase
- Swappa, Gazelle
- eCapital
- Get your finances in order
- 4. Set aside a contingency fund for unexpected costs
- For crypto: Crypto.com
- 16. Moe’s Southwest Grill
- 4. Focus on the long-term
- 5. Offer memberships
- 3. Look for equipment rebates and tax credits
- Cheapest car insurance after a DUI
- Watch the calendar
- 5. Do a final check
- 1. Personalize your fitness business
- Loans for buying other businesses
- Geico vs. Allstate home insurance
- Convert other programs’ points to Mileage Bank miles
- There are upfront costs to charge at home
- Nevada
- State and local grants
- Think twice before paying taxes with a credit card
- 8. Use a do-over
- Security
- Space out credit applications
- Fleet expense management tools
- Parent PLUS loans
- 1. 'I’ll wait until the stock market is safe to invest.'
- Complete your inventory and pricing
- Fundbox
- Set the lease terms
- Appraisal fee
- What’s next?
- 1. Avoid filing your tax return on paper
- 4. Open your account
- Coinbase Wallet: 4.4 out of 5 stars
- 14. Make products for pets
- Property standards
- New car discount
- How much is Apple TV+?
- 3. Add back certain deductions particular to MAGI
- Long-term accounts
- How it works
- Shop around for lenders
- Which credit cards to use for primary coverage
- 1. Automate transfers
- Open a business bank account and credit card
- What happens if you are declined?
- 17. P.F. Chang’s
- InboxDollars Surveys
- Winner for the best basic economy tickets: JetBlue
- How to maximize your rewards
- Set cash aside
- 13. PR agency
- 3. Sell your castoffs
- New Hampshire
- 6. Take advantage where you can
- You typically borrow a car from someone in your household
- Monitor your credit reports
- 5. Determine your profit
- Close the deal
- 3. Pick your index funds
- Discount points
- 2. Get direct deposit
- Dividend per share (DPS)
- Winner: Emirates
- 15. Create custom clothing
- 6. Sell your wares on Etsy
- No-exam life insurance rates for nonsmokers
- Safety equipment discount
- How to have more taxes taken out of your paycheck
- 4. Store your SHIB safely
- Stocks
- Customer support
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Thunder Funding
- 3. 2,500-mile Delta SkyMiles awards
- Solar panel incentives by state
- 2. 'I’ll buy back in next week when it’s lower.'
- 18. Pinkberry
- Air Canada Aeroplan Points
- Wash sale rules
- 1. Determine your impact area
- Home equity loan
- Appendix: How the math works in our examples
- Geico vs. State Farm home insurance
- Our pick for: Cell phone and internet bill payments
- Convert other points to miles through a 2-step transfer
- EVs come with an element of the unknown
- Step 5: Register the business
- Part-year resident status rules
- Use your refund to pay down debt
- You regularly borrow the same car from someone you don’t live with
- Get prequalified
- Set your shipping prices
- Look for outside funding
- 5. Kiwi
- 3. Stay on top of things
- Dividend yield
- Our pick for: Flat-rate travel rewards
- Google Opinion Rewards
- Crypto.com is best for:
- Crypto.com at a glance
- Consider using a retirement account
- 14. Professional organizing
- Best insurance company for accident forgiveness: Geico
- 2. Make your fitness studio a place to hang out
- 6. OfferUp
- No-exam life insurance rates for smokers
- South Dakota
- How much is Peacock?
- 6. Finalize your business budget
- 2. Count your coins and bills
- Fora Financial
- Escrow account funds
- 19. Pizza Hut
- Hilton
- Trust Wallet: 4.3 out of 5 stars
- 2. Decide if you want a DIY portfolio or to get help
- 16. Sell vintage clothing online
- 4. Earn badges through Live videos
- How to have less taxes taken out of your paycheck
- Gaingels
- You drive rarely or not at all
- Bonds
- User experience
- Where to get it
- Benefits
- Hire a builder
- Utility-based clean energy incentives
- 3. 'I’m bored of this stock, so I’m selling.'
- 5. Enter a debt management plan
- 5. Discounted hotel rates
- Cost basis calculations
- Cheapest auto insurance for poor credit
- 15. Photography
- How to avoid the interest rate scam
- Tennessee
- How much is Prime Video?
- OTR Solutions
- 4. Decide where to buy your index funds
- 4. One more thing to know about your tax refund
- 20. Red Robin
- When to choose a debt consolidation loan
- Swagbucks
- 5. Choose investments that match your tolerance for risk
- Home equity line of credit
- 17. Begin niche blogging
- 7. Self-publish an e-book
- If you refinance your original business loan
- For JAL flights
- Corporate bonds
- Pipeline Angels
- Nonresident status rules
- Reviews
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Drawbacks
- Get preapproved
- Past years' state tax rates
- 3. Prep for grocery shopping
- Where is the best place to exchange currency?
- Flood determination and monitoring fees
- 3. Find your vending machine
- 1. Choose to DIY or get some help
- CoverWallet
- Refinancing
- Texas
- Is Tesla Insurance worth it?
- How to use a W-4 to owe nothing on a tax return
- Mutual funds
- 1. Live in the house for at least two years
- How do you get a perfect credit score?
- Create your return and exchange policy
- For overall similarity: Webull
- 21. Starbucks
- Dividend payout ratio
- When to choose a balance transfer credit card
- MetaMask: 4.0 out of 5 stars
- 16. Event space
- For flights on partner airlines
- Good student discount
- How much is Sling TV?
- IFundWomen
- 4. 2,500-point Free Spirit awards
- How do I find a currency exchange near me?
- Government recording fees
- 18. Become an e-book writer
- 3. Incorporate data into your services
- 7. Poshmark
- Points or loan origination fees
- 5. Build a community
- 2. See whether you qualify for an exception
- Porter Freight Funding
- Get final approval
- Publish your listing
- 22. Wingstop
- Marriott
- Avianca LifeMiles
- Rewards rate
- 3. Find impact investments
- Cash-out refinance
- 17. Interior decorating
- Washington
- Homeowner discount
- Spring road trip? Save money at the pump
- Exchange-traded funds
- Where can you exchange currency for free?
- 5. Buy index funds
- Loan-origination charges
- Book with points and miles if it’s a good deal
- Pros
- 8. Get advertising revenue from your blog or YouTube channel
- How much is Fubo TV?
- StartOut
- 3. Keep the receipts for your home improvements
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- 6. BookWithMatrix
- 23. Red Lobster
- To stay in the home after closing
- 19. Start ghostwriting
- 18. Woodworking or furniture building
- Student away-at-school discount
- 3. Building a budget
- Renting a car? Take advantage of rental insurance benefits
- How it works
- 4. Minimize restaurant spending
- Mortgage insurance or fees for government-backed loans
- Our pick for: Customizable bonus categories
- Cons
- Electrum: 2.5 out of 5 stars
- Webull is best for
- Webull at a glance
- Compare car insurance rates for drivers with a DUI
- Best insurance company for having few customer complaints: American Family
- Other ways to redeem Mileage Bank miles
- How to avoid the overcharge scam
- Self-funding
- Step 6: Find and maintain clients
- Wyoming
- How much is a Tesla?
- CoreFund Capital
- Selling a put example
- Personal loan
- 20. Become a resume writer
- 4. Specialize in a type of workout or demographic
- National LGBT Chamber of Commerce
- Traveling abroad? Watch for foreign transaction fees
- 2020-2022 earned income credit amounts
- 6. Keep an eye on your index funds
- 4. Explore your financing options
- Pay off debt
- 19. Graphic design
- California earned income tax credit (CalEITC)
- 10. Pick a reliable POS system
- Where to get it
- Pest inspection
- 24. American Eagle
- Hyatt
- To avoid repairs
- 4. Increase your impact
- Winner: Emirates
- Cheapest car insurance for young drivers
- 21. Open a coworking space
- Conventional loans
- 5. 2,900-point JetBlue TrueBlue flights
- 5. Get discounts on entertainment
- 1. Figure out what policies you need
- 20. Clothing boutique
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- Financial assistance
- California young child tax credit (YCTC)
- Single Point Capital
- How to compare life insurance quotes
- Prepaid expenses
- 25. Anthropologie
- 2. Know your own ESG criteria
- Avoid taking on more debt
- 5. Get your studio on social media
- Fly On elite status
- Tesla repair costs
- 4. Saving money
- 1. Has the W-4 form changed?
- Backstage Capital
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Credit cards
- 22. Become an online coach
- 21. Bed and breakfast
- FHA loans
- Loyalty discount
- California child and dependent care tax credit
- Life insurance quotes vs. rates
- 6. Map out major purchases
- 26. Banana Republic
- Wait to apply
- Winter weather
- Etsy fees for sellers
- Tax monitoring and research fees
- 3. Choose ESG investments
- 2. Get a quote
- 23. Flip failing websites
- 22. Food truck
- 6. You'll need to wear many hats
- How to avoid the skim scam
- Multiple cars discount
- 2. What does it mean to be exempt from taxes?
- Small Business Development Centers
- California adoption cost tax credit
- How it works
- 27. DSW
- 10. Monetize your Twitch channel
- Step 7: Invest in advertising and expanding
- Title-related costs
- Our pick for: Bank of America® customers
- Ledger: 5.0 out of 5 stars
- Cheapest auto insurance for senior drivers
- 24. Become a web developer
- Best insurance company for financial strength: Auto-Owners
- Multiple policy (bundling) discount
- California nonrefundable renters tax credit
- Flooding
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- 6. Chase's travel portal
- Where to get it
- 7. Restrict online shopping
- 28. J. Crew Factory
- 23. Restaurant or cafe
- 7. Hire excellent staff
- 3. Compare your options
- 25. Start a podcast
- 29. Journeys
- 5. Stock your vending machine with inventory
- 24. Craft brewery
- 3. When should I review my W-4?
- Trezor: 4 out of 5 stars
- Winner: Emirates
- 26. Be a social media influencer
- 8. Delay purchases with the 30-day rule
- 30. Madewell
- Compare auto insurance rates for drivers with poor credit
- 11. Sell your photography
- How to reach the different status levels
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Pros
- 4. Buy your policy
- 25. Ice cream shop
- Automatic payments discount
- 4. Can I adjust my W-4 multiple times throughout the year?
- How it works
- Real estate agent commissions
- 31. Old Navy
- 27. Create online courses
- Cons
- 9. Get creative with gifts
- 6. Make the right investments
- SafePal: 3.8 out of 5 stars
- 26. Personal chef
- Our pick for: Prime gaming
- Where to get it
- Property and transfer taxes
- 32. Target Circle
- Our pick for: Paying rent
- 28. Become a marketing consultant
- Early shopper discount
- 7. Redeem Capital One miles
- 27. Landscape services
- Best insurance company for discounts: Amica
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Title insurance
- Elite status program
- Paid-in-full discount
- 10. Lower your car costs
- Methodology
- 29. Develop an app
- 28. Pet grooming
- 33. Aveda
- 12. Become a dog walker with Rover or Wag
- Paperless discount
- 5. Maximizing your credit cards
- 29. Florist
- 11. Reduce your gas usage
- 34. BareMinerals
- 30. Make a smart appliance
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- How it works
- Global Club elite status
- 35. Clinique
- 31. Tap into virtual reality experiences
- 30. Massage therapist
- 13. Sell unused gift cards
- Business credit cards
- 12. Bundle cable and internet
- 36. CVS
- 32. Make a niche dating site
- Individual stocks
- Where to get it
- Add a personal bio and photo
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 37. e.l.f. Cosmetics
- 33. Develop a chatbot
- 31. Nutritionist
- Business line of credit
- 13. Switch your cell phone plan
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- Up to 3 stopovers on a Japan Mileage Bank partner airline award ticket
- 6. Borrowing money
- Add images
- 38. Lancome
- Pros
- Winner for the best business class experience: Tie
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 32. Personal trainer or fitness instructor
- 14. List your spare bedroom on Airbnb
- Ask about discounts
- Dividend stocks
- 39. Sephora
- Cons
- 35. Be a virtual assistant
- Up to 7 stopovers on Oneworld award tickets
- Consider overall premium cost, not just discounts
- 14. Reduce your electric bill
- Rearrange your items
- 33. Beauty services
- 40. SmashBox
- Shop around
- Cheapest full coverage car insurance in Texas for 40-year-olds
- Add sections
- 36. Reinvent exercising
- 34. Life coach
- 15. Lower your student loan payments
- 41. The Body Shop
- How to maximize your rewards
- Add your shop’s "about" section
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 42. Ulta
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- 38. Open a food truck or restaurant pop-up
- 35. Tutor
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- Add a shop announcement
- 39. Start an organization business
- 36. Daycare provider
- 17. Refinance your mortgage
- 43. AMC Theatres
- 40. Do interior design for young professionals
- Our pick for: Walmart gaming purchases
- 44. Barnes & Noble
- 37. Senior care provider
- 16. Trade in old phones, electronics for cash
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 18. Set savings goals
- 45. Redbox
- 38. Interpreter or translator
- 39. Housecleaning
- 17. Get a babysitting gig
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 19. Track spending
- 40. Automotive repair
- 7. Your credit score
- 1. Gather your information
- 20. Pay off high-interest debt
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- 21. Keep savings in a high-yield savings account
- 42. Dry cleaners
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- 22. Create a 50/30/20 budget
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 44. Self-storage business
- 19. Sign up for TaskRabbit
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 20. Become a private tutor
- 47. Website development and design
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 48. Sell clothes online
- 3. Decide if you need full coverage car insurance
- Our pick for: Best Buy purchases
- 24. Join initiatives to get free items
- 49. SEO consultant
- 21. Drive for Uber, Lyft
- 8. Taxes
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- 50. App development
- 25. Use car sharing services
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- 9. Paying off debt
- 26. Stock up on household supplies when they’re cheap
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- 27. Enjoy community events
- Our pick for: Digital Microsoft Store purchases
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Texas for 60-year-olds
- 10. Insurance
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 11. Investing
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
The best money-making apps
1. Ibotta
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. 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 for 180 days) or deactivated accounts. The fee is deducted from your balance, not your bank account.
2. Rakuten
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.
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 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 to hit the minimum 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.
3. Swagbucks
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.
4. Fiverr
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, Payoneer or credit to a Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and your payment processor may charge 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).
5. Upwork
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 10% 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.
6. OfferUp
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.
7. Poshmark
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 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.