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For those who want to make money in an accessible way, the apps offer plenty of options worth considering. You can use your smartphone to take surveys, host side gigs, sell your unwanted stuff, and more.
Make Money Using My Phone
Here is our review of seven free apps to earn money. are considered apps with at least four stars and 25,000 reviews on Google Play and the iOS App Store.
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How it works: With Ibotta, you can earn money on your in-store and online purchases at over 2,000 supported retailers. Originally for food, it has expanded to include clothing, entertainment and catering, pet supplies and other categories. Offers can be product or merchant specific – and some are automatically applied. For others, you need to complete additional tasks, like watching a video or taking a survey.
There are three ways to get cash back in-store: add offers and submit your receipt in the app after your purchase (you have 7 days to submit your receipt through the app), link your loyalty accounts or buy a gift from the retailer. card via the Ibotta app. When shopping online, you can shop through the app or by using the Ibotta browser extension on your computer.
Pros: You get cash back quickly — usually within 24 hours — after you shop in-store. Ibotta also offers a welcome bonus for new users, referral bonuses and various payment methods.
Cons: Earning money can be a slow process. You must earn at least $20 in cash back to redeem your earnings (some gift cards require a minimum of $25 in earnings). For online purchases, the refund pending period varies by retailer. Ibotta also charges account maintenance fees for inactive (no activity for 6 months) or deactivated accounts. Fees are deducted from your balance, not your bank account.
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How it works: Rakuten (formerly Ebates) rewards shoppers with cash back on purchases from well-known retailers, restaurants, and grocery delivery services. Users can also earn money on travel, gift cards and more. It’s simple: create an account, tap the store you want to shop in the app, then complete the transaction through the portal. You can also link a credit or debit card to your Rakuten account to get cash in store – as long as you activate the offer through the app first. Rakuten will credit the money to your account after confirming the purchase with the merchant, which they say can take anywhere from a few hours to several days.
Benefits: Thousands of stores and purchases are eligible for cash back, so you’re likely to find deals where you already shop. New users can receive a $10 welcome bonus after their first qualifying purchase. You can also earn signup and referral bonuses. You can make an impact with your cashback earnings by donating a portion to nonprofit partners.
Cons: As with most cashback services, you have to spend money to make money. You also won’t see your earnings right away; Rakuten sends out payments every three months according to the company’s payment schedule, and you need a minimum cashback balance of $5 to make a payment. Unlike other apps like Ibotta, you must first initiate the in-app purchase. If you forget and make an out-of-app purchase, you will not get retroactive credit.
How it works: Swagbucks is a cashback and rewards app. You can earn points called “SB” by shopping online (participating in 1,500 retailers), completing surveys, watching videos, playing games, or performing other tasks through Swagbucks. You can redeem these points for gift cards or get cash back in your PayPal account. The total points awarded may vary from task to task. For example, polls are worth around 40-200 SB points each. The minimum balance required to redeem it depends on the payment method you choose, but some gift certificates are available for as little as 110 SB.
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Payment: E-gift card or PayPal. You can also exchange SB for Bitcoin with the new Cryptovoucher gift card options.
Pros: Swagbucks offers many easy ways to earn rewards and no waiting time to deposit. Payments usually arrive within 10 business days of reimbursement. You can also get a $10 bonus with a $25 purchase when you sign up.
Cons: Doesn’t pay much; an SB is worth about a penny. For a lot of money at work, it can take a lot of time and effort to get a large sum of money. You will also not be eligible for any surveys or tasks, although users can earn up to 5 SB per day if disqualified. Users often report being kicked out in the middle of completing surveys. According to Swagbucks, this could be due to demographics or unfair or inconsistent answers.
How it works: Fiverr is an independent marketplace that features gigs in over 200 categories like programming, videography, and animation. First, create an account, then you can set up your profile as a “seller”, highlighting your expertise. Publish the gig you are offering, including prices and description of services. Prices range from $5 to $995. Customers, also known as “buyers”, can click through and place orders. You get paid when the job is done. Fiverr assigns seller levels based on performance. As you progress through each level, you will be able to sell more “extras” like faster delivery times.
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Payment: PayPal, direct to bank account or credit to Fiverr income card (prepaid card). Minimum withdrawal amounts vary and withdrawal fees may apply depending on the option you choose.
Pros: You don’t have to worry about finding customers because they come to you. You may also receive a tip. Fiverr also offers flexibility, allowing sellers to work on their own time or around their 9-5 jobs.
Cons: Fiverr takes 20% of revenue for each gig, including tip, and there’s a standard 14-day waiting period for withdrawals after placing an order (top sellers wait seven days to clear ).
How it works: Upwork connects freelancers with gigs in writing, design, marketing, and other categories in the marketplace. First, create a profile. It should include information such as your area of interest, qualifications, availability, and desired fees. Proposals can then be submitted. Clients review them and offer projects if you seem like a good fit.
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You start each month with a set number of “Connects”, which are like credits that allow you to connect with potential customers. You can earn or pay a small amount for more connections, but you don’t have to pay when customers connect with you. You can get paid by the hour or by project.
Payment: Direct to a US bank, direct to your bank account, wire transfer, instant payment, PayPal and Payoneer. Some payment methods have fees, so be sure to check the Upwork page for details.
Benefits: Upwork helps you find clients, build relationships, and get paid. The service gives you the possibility to define the price and schedule you want.
Cons: The app is free to download, but contacting many customers costs money. Users also have to pay a service fee. Upwork takes a 5-20% cut of your revenue depending on how much you charged the client. The more you earn, the more you can keep. However, you will not receive payment until 10 days after the end of the billing period. Also, remember that you are competing with other freelancers on the platform. This means that customers can choose those who have set lower prices.
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How it works: OfferUp, which in 2020 combined with its competitor Letgo, acts as a local marketplace where you can sell your stuff. If you want to reach a wider audience, OfferUp also allows delivery within the continental United States. Create an account and take a picture of your smartphone, car, sofa or whatever you sell. Once you’ve added your address, description, and price, you can post your details and chat with buyers directly through the app. He then sends it to the buyer or makes an appointment with him.
Payment: OfferUp recommends that sellers accept cash from buyers and not accept payment by check, cashier’s check, or using other applications.
Pros: Creating an ad is quick and easy, and you get paid instantly when you make a cash sale. You can also check reviews and ratings from potential customers to get a first-hand idea of their reliability. If you ship the item, the buyer pays the cost and OfferUp provides the label.
Cons: You are responsible for meeting local customers face-to-face and conducting transactions. Sellers must pay a service fee of 12.9% or a minimum of $1.99 for shipments. To
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