16 Best Money Making Apps to Earn App Store Credit (2021)

Learn about some of the best money making apps to make money using your smartphone to supplement your regular income.

Did you know that you can make money by using your phone with the best money making apps? Nowadays, coming up with a secondary source of income is not something to simply consider, but it is a necessity. If you are trying to find a way to earn extra cash and boost your overall income, you’ve come to the right place.

In this article, you will find a list of the best money-making apps in 2021 that will help you earn cash. All you need is a smartphone, know how to use it, and an internet connection.

While these free money-making apps can’t make you wealthy in one night, they can definitely improve your financial situation in the short and long-term. If you use them right, you can even use it as a way to help pay off your mortgage early.

You’re probably already spending a lot of time on your phone. Why not make the most of it and start earning some serious cash while you’re at it?

15 Best Money-Making Apps in 2021

These money making apps work in different ways to pay you real money. Whether you’re looking to earn through cashback, paid surveys, or completing simple tasks, this list has an app you can use to make more money easily.

1. Survey Junkie

survey junkie app

Survey Junkie is one of the best apps that’ll pay you real money through PayPal. This money-making app helps you pad your bank account simply by answering surveys, listening to music, and trying new products.

Survey Junkie works for those in the U.S., Canada, and Australia, and anybody over 13 can join and start earning money today.

There are a lot of scammy survey sites out there, but Survey Junkie has over 11,000 positive reviews on TrustPilot, the highest of any survey site. It’s legitimate.

survey junkie trustpilot

You get reward points for surveys completed with Survey Junkie. You can redeem those reward points in cash through PayPal or bank transfer, or for e-gift cards for retail stores.

With over 10 million members already across the U.S. and Canada, Survey Junkie is becoming huge. You can find the app for both Android and Apple iOS.

Survey Junkie

Want to get paid for your opinion? Survey Junkie lets you share yours to help brands deliver better products and services. After creating your profile, they'll start matching you to online surveys you can take anywhere.

survey junkie

2. Swagbucks

swagbucksSwagbucks is a rewards site that lets you earn ‘Swagbucks’ that can be redeemed for money from playing games, taking surveys, watching videos, or even shopping. Swagbucks is probably the most notable rewards site having paid out millions of dollars to its members to date.

Swagbucks works for those in the US, Asia, Europe, and some areas in Africa. You must be over 13 years old to use the site/app and the minimum to cash out is only $3. Right now they are currently offering a $10 sign up bonus.

It is available for both iOS and Android.


Swagbucks is a legit rewards site with lots of different ways available to earn money. You can take surveys, play games, watch fun videos, and search the internet.


3. InboxDollars

inboxdollarsInboxDollar is another high-paying survey app that you can access through your phone to make some money on the side.

Besides taking surveys, you can watch some entertaining videos, print coupons, scan products in-store, search the web, read paid emails, and play arcade games to earn money.

InboxDollars only operates in the U.S. though it has a sister site called Daily Rewards available in Canada. You can find the app for both Android and Apple iOS.


Want to make money online? Join InboxDollars and earn cash for sharing your opinion and completing surveys. You can also get paid for watching videos, playing games, reading emails and searching the web!


4. Nielsen Mobile Panel

nielsenThe Nielsen Mobile Panel is your opportunity to be a part of the research they do at Nielsen. This panel helps them understand how consumers use the Internet and mobile devices by studying the websites and apps people like you visit.

By installing this non-intrusive app either on your smartphone or tablet, you are contributing to the measurement of the digital landscape and are eligible to earn $50 per device.

You don’t have to do anything other than initially registering your computer or phone.

That’s right, Nielsen will pay you $50 a year to keep their app on your favorite internet browsing device and they also give away $10,000 each month. So you can possibly make more than $50 for only 60 seconds of work.

Sign up through here for a registration bonus.


By using the internet as you do every day, Nielsen invites you to make a difference – and you can make money too. If you download this app you can make $50 per device (they just collect your browser-data) You don’t have to do anything other than initially registering your computer or phone. The app won't slow down your phone and it isn't intrusive.


5. Rakuten

rakutenOne of the most popular cashback apps to-date is Rakuten. Just sign up and download the app, visit stores through the app, and make purchases. Earnings you make are credited to your account.

Redeem payments through check or PayPal. You receive a bonus of $10 for your first purchase of $25 in the U.S.

It’s available for both Android and iOS.

6. TopCashback

topcashbackKnown as America’s “most generous cashback site,” TopCashback has millions of members worldwide. The app is available to residents of the U.S., the U.K., and Canada.

Simply sign up, visit your favorite retailer through the app, and earn cashback.

It is available for both Android and iOS.

7. Trim

trimTrim is not precisely a money-making app in the way the others on this list are. It is a free money budgeting assistant that can help you save money by negotiating some of your monthly bills for you.

It’s becoming increasingly important to learn how to save more money.

Trim will help you save a lot of money. Unlike the others, it works through Facebook Messenger or SMS chatbot instead of an app. You can find out more here.

8. MobileXpression

mobilexpressionThe MobileXpression app is a peculiar case when it comes to the list of the best money-making apps. The app pays you to use the internet on your smartphone. All you have to do is simply install the app, and you will get a $5 Amazon gift card.

Using the app at length can qualify you for credits that you can redeem in the form of free gift cards. Ninety consecutive days of use and participation will see the panel donate a tree to Trees for Knowledge on your behalf.

The company does not share your private information anywhere, and you can read more about it on their website. You can find it for Android and Apple iOS.

9. MyPoints

mypointsMyPoints enables you to earn through cash back, surveys, and rewards. Earning through MyPoints involves taking paid surveys, online shopping, watching videos, and reading emails.

Once you earn enough points, you can cash out with the lowest payout of $10 in exchange for free gift cards, cash, and other rewards.

It is available for both Android and iOS.

10. Checkout 51

checkout51Checkout 51 is an app that enables you to earn cash back while you’re shopping. Available in both the U.S. and Canada, Checkout 51 offers users cash back offers as high as 35% of the price of purchase through the app.

Checkout 51 sends you several offers every week. If you want to redeem the offer, purchase it at any store, scan the receipt you got for it and upload it using your phone. Once your balance goes all the way up to $20, you can cash out your rewards through check.

The app is available for both Android and iOS.

11. Ibotta

ibottaIbotta is another cash back app like Checkout 51. Available only in the U.S., it allows you to stack up coupons, discounts, and additional offers to earn up to $500 each year.

Essentially, Ibotta is more than just a way to earn money back from grocery shopping. You can make money buying at your favorite retailers as well.

The app is available for both Android and iOS.

12. Acorns

acornsIf you’re looking for long-term investments that you can finance through a seamless method, Acorns might help make the task easier. Acorns is a savings and investment app that allows you to use the spare change rounded up to the nearest dollar on your purchases for automatic investments.

If you pay $2.40 for something, it rounds it up to $3.00 and uses the spare $0.60 to make investments for you. Earnings from your savings will be added to your account.

The app is available only for Americans, and it is available for both Android and iOS.

13. Ipsos i-Say

ipsosIpsos i-Say is a market research company. With millions of members, Ipsos has been around for a while, operating in the U.S. and Canada. All you have to do to earn money is to give your opinion.

It rewards you for giving your opinion by giving you points. You can redeem those as cash by using PayPal or redeem them in the form of gift cards. You can also redeem them as a prepaid virtual Visa card.

This app is only available for residents of the U.S. and Canada. It’s available for both Android and iOS.

14. Drop

dropAvailable in both the U.S. and Canada, the Drop app can help you earn cash rewards at your favorite retail stores. It is an easy app to us for cashback offers since you won’t have to bother scanning the receipts and uploading them through your phone.

Add your debit or credit card to the app, and they reward you whenever you spend money. You can redeem the points for gift cards once you get to the $5 mark.

It’s available for both Android and iOS.

15. Pinecone Research

pineconePinecone Research might be the perfect app to start this list. It is one of the best-paid sites that conduct surveys in the United States and Canada.

Once you install the app, all you need to do to earn money is test products, take part in sweepstakes, and take surveys. For every survey completed, you can earn $3 to $5.

It is straightforward to get paid. Options include check, gift cards, prepaid virtual Visa card, and PayPal. You can find the app for both Android and iOS.

16. American Consumer Opinion

acopAs the name suggests, American Consumer Opinion is a U.S.-based survey site. It is one of the best on the list because ACOP pays you to answer straightforward questions.

With an average of 10 minutes per survey, you can easily earn more money in your free time through this.

Here is the link to ACOP if you want to join.

Once You Have $1,000 in Your Checking Account, Do These 5 Things

apps that pay real money through paypal

Once you built some cushion in your bank account — you’re on the right path. Money making apps can only get you so far, it’s time to think about longer-term financial goals.

What’s the next step you should take?

Here are ways to take your finances to the next level:

Leave Your Family $1M

bestowWho doesn’t want to be a millionaire? While we don’t all have trust funds waiting for us, there is still a way to provide protection for your loved ones with up to $1 million in term life insurance.

Wouldn’t it be great if you could do this for as little as $8 a month without dealing with all the hassle of wasting your time or money? You don’t have to have money in your pockets to get a free quote from Bestow.

If you’re interested, I recommend you sign up for more information from Bestow by clicking here.

Build an Emergency Fund

citHaving money in the bank for emergencies can help you improve your financial standing. You’ll want three to six months’ worth of expenses in your emergency fund. Be sure to stash your money in the right savings account that’ll grow your money.

Start with a high-yield savings account like CIT Bank that offers a Savings Builder that will pay a great APY and still give you instant access to your money in case of an emergency. You can open it with $100 and deposit $100 a month to help you get to $1,000 in less than a year.

Evaluate Your Checking Account

aspirationNeed a better checking account that’ll spot you a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Get Free Stocks Instantly

robinhoodWhile you’re at it, why not increase your net worth with a free stock? Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock.

Better yet, if you join through this link you can get a free stock like Apple, Ford, or Sprint when you join (must complete signup).

Start Building Passive Income

fundriseFundrise is definitely one of the best passive income apps. This app was originally an iOS app and it has just become available on Android.

By downloading this app, you can start investing in real estate all around the US in as little as 30 minutes and it’s super easy to get started. Then you can literally beat the stock market year after year and start making money in your sleep

If you want to earn the big bucks then you can learn how to get started by getting more information from Fundrise here.

Best Money Making Apps That Pay Real Money in 2021

We’ve been on top of ways to earn money fast online for the past few months and there’s always a new idea popping up (some weirder ways to make money than others).

There are several ways you can earn a little extra cash using your phone. While you might not be able to rely on the apps as your sole means of income, they can help boost your overall income. Sign up and try several of these apps and keep using the ones that work out for you.

From giving you the ability to stay in touch with your loved ones to providing you access to online banking and similar channels, smartphones are now capable of anything – even helping you earn cash through little to no effort.

What could be better than being able to make more money just by doing what you already do so much: merely using your phone!

Brian Meiggs
Brian is the chief editor of Finance Write and is a personal finance expert who has spent the last few years writing about how Millennials can make smarter money moves. He has been quoted in several online publications, including Yahoo! Finance, NASDAQ, MSN Money, AOL, Discover Bank, GOBankingRates, Student Loan Hero, Fit Small Business, Cheapism, SmartAsset, Bankrate, RISE Credit, AllBusiness, Cheddar, Commonbond, Niche, Rewire, Credit Donkey, Debt.com, and more. He uses the free Personal Capital app to manage his cash flow and net worth.

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