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Best Money Making Apps For November 2023

If you're looking for ways to balance your budget, numerous apps can help you earn extra cash or save money on everyday purchases. These money-making apps make it easy to use your mobile device to pick up a side gig, take online surveys, sell stuff you no longer use, lower your bills, and more. The best money-making apps let you sign up for free, get paid quickly, and set your own hours. Here are our top picks for 2023. 

Best money-making apps in 2023

Survey Junkie

Online surveys

Swagbucks

Surveys & gift cards

Rocket Money

Keeping track of your finances

Doordash

Delivery drivers

Rakuten

Cash back

Upside

Gas station rewards

UpWork

Freelancers

TradeStation

Active traders and investors

M1 Finance

Passive investors

Decluttr

Selling tech and media

Selling tech and media

Best for online surveys: Survey Junkey

Survey Junkey is an online market research community. As a member, you complete surveys in exchange for virtual points, which you can instantly redeem for e-gift cards or PayPal payments. You'll answer a few questions and create a profile to get started, and then Survey Junkey matches you to relevant surveys. You won't get rich taking surveys, and the company points out that it's not meant to replace a full-time job. Still, it says you can earn $40 monthly by completing three surveys a day.

Pros:

Earn money completing brief surveys

Redeem points for e-gift cards or PayPal

Cons:

Surveys might be expired

Some surveys have repetitive questions

Best for earning gift cards: Swagbucks

Swagbucks lets you earn points by completing easy tasks like answering surveys, playing games, watching videos, and searching the internet. You can also earn cash back and access exclusive deals and coupons when you shop at over 1,500 in-store and online retailers (including grocers). Membership is free, and you can redeem your points for gift cards to retailers like Amazon or Walmart or get cash back from PayPal.

Pros:

Multiple ways to earn points

Redeem points for gift cards or cash

Cons:

Low earnings potential

Some tasks are time-consuming

Best for keeping track of your finances: Rocket Money

Rocket Money (the same company behind Rocket Mortgage) is a money management and budgeting app that lets you see all your financial accounts in one place, create budgets, automate your savings, and monitor your credit score so you can save more, spend less, and get (and stay) on track. The app is free, but you'll pay $3 to $12 monthly for premium services, including subscription cancellation, chatting with a money expert, and bill negotiation (which costs 30% to 60% of your first-year savings).

Pros:

Numerous budgeting and savings features

Credit reports and tracking

Cons:

Free version is limited

Bill negotiation service can be pricey

Best for delivery drivers: DoorDash

DoorDash "Dashers" make money delivering products from restaurants, convenience stores, pet stores, grocery stores, and more. To get started, sign up and apply online, set up your profile, and then schedule shifts or start dashing right away. You choose when and how much you want to work and earn a guaranteed base rate for every order, plus tips. You can set up free, automatic weekly payouts or get paid instantly after every dash for no fee with DasherDirect Instant Pay. 

Pros:

Set your own hours

Keep 100% of your tips

Cons:

Vehicle costs (gas, wear and tear, etc.)

No earnings while waiting for food orders

Best for cash back: Rakuten Rewards

Rakuten Rewards (formerly Ebates) offers cash back, deals, and coupons at over 3,500 stores on everything from clothes and electronics to restaurants and ridesharing. Sign up for a free account in less than 30 seconds and start shopping on Rakuten.Com, the Rakuten app, or the browser extension. You can also link store offers to your credit card to earn in-store cash back. Rakuten Rewards emails you when it adds cash back to your account, and you'll get a payment every three months by check or PayPal.

Pros:

Unlimited cash back

$10 welcome bonus for new users

Cons:

Some cash back rates are low

Cash back awarded every three months

Best for gas station rewards: Upside

Upside (formerly GetUpside) partners with businesses nationwide to provide personalized cash back offers. While Upside offers cash back opportunities at restaurants and grocery stores, it's best known for helping people save at the pump. Download the app, create an account, and let Upside access your location to view offers in your area. From there, you'll find and claim offers, pay with a credit or debit card, and submit your receipt or check-in on the app. Upside validates your purchase, and then you can cash out your earnings to your bank account, PayPal, or a gift card.

Pros:

User-friendly app shows map view of offers

Can stack with existing loyalty programs

Cons:

Doesn’t work with cash

Some locations have few or no offers

Best for freelancers: Upwork

Upwork is a freelancing marketplace that connects gig workers with clients. Once you sign up and create a profile, you can pitch projects and bid for jobs in nearly every industry, job, and skill set. You'll invoice clients and track your earnings on Upwork, choose how to get paid (direct deposit, PayPal, Payoneer, or wire transfer), and pay a 10% freelancer service fee on your earning

Pros:

Unlimited cash back

$10 welcome bonus for new users

Cons:

Some cash back rates are low

Cash back awarded every three months

Best for gas station rewards: Upside

Upside (formerly GetUpside) partners with businesses nationwide to provide personalized cash back offers. While Upside offers cash back opportunities at restaurants and grocery stores, it's best known for helping people save at the pump. Download the app, create an account, and let Upside access your location to view offers in your area. From there, you'll find and claim offers, pay with a credit or debit card, and submit your receipt or check-in on the app. Upside validates your purchase, and then you can cash out your earnings to your bank account, PayPal, or a gift card.

Pros:

User-friendly app shows map view of offers

Can stack with existing loyalty programs

Cons:

Doesn’t work with cash

Some locations have few or no offers

Best for freelancers: Upwork

Upwork is a freelancing marketplace that connects gig workers with clients. Once you sign up and create a profile, you can pitch projects and bid for jobs in nearly every industry, job, and skill set. You'll invoice clients and track your earnings on Upwork, choose how to get paid (direct deposit, PayPal, Payoneer, or wire transfer), and pay a 10% freelancer service fee on your earnings.

Pros:

Pitch projects and bid for jobs

Payment protection ensures you get paid

Cons:

10% freelancer service fee

Get paid 10 days after billing period ends

Best for active traders and investors: TradeStation

TradeStation is best known for its flagship desktop platform, but on-the-go traders will appreciate its freshly updated mobile app. With a quick and secure login, the app offers sophisticated charting with real-time data, advanced analysis, a streamlined order interface, intuitive order tracking, account monitoring, and more. You'll also have access to pre-built hot lists, news, analyst ratings, and earnings calendars. The app supports stocks, options, futures, and crypto currency trading—with the option to toggle between live and sim trading environments. 

Pros:

Advanced tools and trade execution

Commission-free trades

Cons:

Not as robust as the desktop platform

Steep learning curve

Best for passive investors: M1 Finance

M1 Finance is a low cost robo-advisor that's ideal for self-directed investors wanting to manage their investing, banking, and borrowing in one app. Offers like an Federal Deposit Insurance Corporation (FDIC)-insured savings account that earns 5% APY (as of Nov. 2, 2023), a Visa credit card that offers up to 10% cash back, and no-fee personal loans may appeal to anyone. Self-directed investors will appreciate M1's competitive margin loan rates, digital tools, and automated investing with dynamic rebalancing to keep your portfolio allocation in check.

Pros:

Integrate investment, banking, and borrowing

Trade automation with dynamic rebalancing

Cons:

$10 monthly fee to get the best offers

No access to advisors or recommendations

Best for selling tech and media: Decluttr

Decluttr is a resale app that lets you sell the tech and media products you no longer use, such as old smartphones, laptops, tablets, smartwatches, DVDs, game consoles, and video games. To get started, download the app, search for the item you want to sell (or scan the barcode on your media), and get an instant price quote. If you accept it, Decluttr sends a free UPS shipping label. Once Decluttr receives the item, you'll get paid by direct deposit or PayPal within 24 hours. Or, if Decluttr doesn't accept the item for some reason, it will send it back at no cost to you.

Pros:

Accepts old and broken electronics

No fees and quick payments

Cons:

Valuations aren’t negotiable

Decluttr might send your item back

swah TIME Stamp: Money-making apps can supplement your income 

It's essential to set realistic expectations when using money-making apps. They aren't get-rich schemes, and you might not earn enough to make ends meet. And as a gig worker, you won't receive any employee benefits like health insurance, a 401(k), or paid time off—and your earnings may be sporadic.

Still, money-making apps can be an excellent way to supplement your income while enjoying the flexibility of setting your own schedule. Keep in mind that using certain apps together could boost your earnings potential. For instance, if you drive for DoorDash, you can use Upside (or the DasherDirect prepaid Visa) to save at the pump. Every little bit counts when it comes to balancing your budget. 

Frequently asked questions (FAQs) Which apps pay you instantly?

There is usually a delay between the time you earn cash through a money-making app and when you receive it. Depending on the app, the delay could be 10 days or longer. Still, some apps have low minimum thresholds for requesting payouts. For example, Survey Junkie lets you cash out with just $5 in earnings. You may have to verify your bank account or PayPal details before the app can send you money, which could take several days.

Are money-making apps safe?

Many money-making apps are safe. Legitimate ones will be transparent about how they pay and protect users. If you're unsure about an app, research the company, read online user reviews, and check its Google Play or Apple App Store ratings and download statistics.

How much does a money-making app cost?

Most money-making apps are free to download and use, but some offer in-store purchases to unlock premium features or charge user fees, typically deducted from your earnings. Of course, some apps let you earn cash through rebates—meaning you'll need to spend money to make money. In these situations, consider whether you really need the item. It doesn't make financial sense to buy something you don't need just to score a rebate.

Best 5 Websites For Freelancers To Earn Money Online

Opinions expressed by Entrepreneur contributors are their own.

This story originally appeared on Readwrite.Com.

The world of freelancing offers a tremendous opportunity for individuals to earn money online, allowing them to showcase their talents and expertise to a vast audience. With the rise of online platforms connecting freelancers and clients, the traditional workplace boundaries have blurred, empowering freelancers to work on diverse projects from the comfort of their homes.

Related: #4 Mistakes that can Ruin Your Freelancing Career

These opportunities not only provide financial independence but also foster a global community of skilled professionals. As technology continues to advance, the landscape of online freelancing is expected to expand, creating even more avenues for freelancers to thrive and succeed in the digital age.

Here are five freelance websites for freelancers based on my personal experience

1. Fiverr

Fiverr.Com is a website where people can buy and sell services. It's like an online marketplace where you can find freelance jobs for things like graphic design, writing, programming, and more.

People who need tasks done can hire freelancers from all over the world. It's a convenient platform for getting work done or earning money by offering your skills and services online.

Related: 44 Side Hustle Ideas to Make Extra Money in 2023

Pros of Fiverr

Wide Variety of Services: Fiverr offers a vast range of services, from writing and graphic design to programming and marketing. You can find almost any freelance service you need.

Affordable Options: Many services start at just $5, making them budget-friendly for buyers and sellers.

Global Talent Pool: Fiverr connects you with freelancers from all over the world, allowing you to find experts with diverse skills and backgrounds.

User-Friendly Platform: The website is easy to navigate, making it simple to find services, communicate with sellers, and complete transactions.

Customization: Buyers can often customize their orders based on their specific needs, ensuring they get exactly what they want.

Cons of Fiverr

Quality Varies: Because anyone can offer services on Fiverr, the quality of work can vary. It's essential to read reviews and check portfolios to find reliable sellers.

Additional Costs: While basic services can start at $5, other features or faster delivery often come with extra costs, which can add up quickly.

Communication Challenges: Language barriers or different time zones might lead to communication difficulties between buyers and sellers.

Service Fees: Fiverr takes a commission from both buyers and sellers, so the final cost of a service can be higher than the listed price.

Dependency on Reviews: Sellers heavily rely on positive reviews. One negative review can significantly impact their business, leading to a focus on customer satisfaction, sometimes at the expense of quality.

2. Upwork

Upwork.Com is a website where people can find freelance work or hire freelancers for various tasks. Whether you need a writer, designer, programmer, or any other skilled professional, Upwork connects businesses with talented individuals worldwide.

Related: 50 Jobs, Gigs and Side Hustles You Can Do From Home

It's a platform that makes it easy to get work done remotely, allowing employers and freelancers to collaborate on projects and get things done efficiently.

Pros of Upwork

Variety of Skills: Upwork has a wide range of professionals, so you can find experts in almost any field.

Global Talent: You can hire freelancers globally, giving you access to diverse skills and ideas.

Flexibility: Both clients and freelancers can work on their own schedules, making it convenient for everyone involved.

Secure Payments: Upwork offers secure payment methods, ensuring that freelancers are paid for their work and clients get the services they pay for.

Reviews and Ratings: Clients and freelancers can leave feedback, making it easier to choose reliable and skilled partners.

Cons of Upwork

Competition: Because of its popularity, there is a lot of competition for jobs, making it harder for new freelancers to get started.

Fees: Upwork charges fees on transactions, which can affect the overall cost for both clients and freelancers.

Communication Challenges: Sometimes, language and cultural differences can create communication problems between clients and freelancers.

Quality Varies: While there are many skilled professionals, the quality of work can vary, so it's essential to do thorough research before hiring.

Project Management: Managing larger projects with multiple freelancers can be challenging, requiring excellent organizational skills.

3. Freelancer

Freelancer.Com is a website where people can find work and hire others to do tasks. It's a platform where freelancers, who are individuals skilled in various jobs, can connect with clients looking for their services.

People can post projects they need help with, and freelancers bid on those projects, offering their skills and expertise. It's a hub for jobs in writing, design, programming, and more, allowing businesses and individuals to find the right talent for their projects.

Pros of Freelancer

Variety of Jobs: Freelancer.Com offers various jobs in different categories, allowing freelancers to find work that matches their skills and interests.

Global Opportunities: Freelancers can connect with clients from all around the world, expanding their opportunities beyond local markets.

Flexibility: Freelancers can choose their own hours and work from the comfort of their homes, providing an excellent work-life balance.

Skill Development: Freelancers can enhance their skills by working on diverse projects and gaining experience in various fields.

Payment Protection: Freelancer.Com offers payment protection features, ensuring that freelancers are paid for their work, and clients get the work they are paid for.

Cons of Freelancer

Competition: Due to its large user base, there is intense competition for projects, making it challenging for new freelancers to secure jobs.

Fees: Freelancer.Com charges fees for using its platform, which can reduce freelancers' earnings.

Quality Concerns: Some freelancers may not deliver high-quality work, leading to client dissatisfaction.

Communication Challenges: Miscommunication can occur between clients and freelancers due to language barriers or different time zones, leading to project misunderstandings.

Project Insecurity: Clients might face issues such as delayed delivery or incomplete work, although Freelancer.Com does provide dispute resolution services to address these concerns.

4. Guru

Guru.Com is a website where people can find freelance jobs and hire freelancers to complete various tasks. It's like a big online marketplace where businesses and individuals can connect with skilled professionals from different fields such as writing, programming, design, and more.

People looking for work can create profiles showcasing their skills and experiences, while employers can post job listings and browse through freelancers' profiles to find the right person for their project. It's a platform that helps freelancers find work and clients find talented individuals to get their jobs done.

Pros of Guru

Wide Range of Skills: Guru.Com offers a diverse pool of freelancers skilled in various fields, from writing and design to programming and marketing.

Safe Payment System: The platform provides a secure payment system, ensuring that freelancers get paid for their work and employers get the services they are paid for.

Work Flexibility: Both freelancers and employers enjoy the flexibility of working on their terms, making it suitable for part-time or full-time commitments.

Transparent Profiles: Freelancers' profiles showcase their skills, work history, and client reviews, helping employers make informed hiring decisions.

Project Management Tools: Guru.Com offers tools and features that help manage projects effectively, facilitating smooth communication between freelancers and employers.

Cons of Guru

Competition: Due to the large number of freelancers, it can be competitive to secure projects, especially for newcomers.

Service Fees: Guru.Com charges service fees on transactions, which can impact freelancers' earnings and employers' budgets.

Quality Discrepancy: While there are many skilled professionals, the quality of work can vary, making it crucial for employers to carefully vet freelancers before hiring.

Limited Customer Support: Some users have reported limited customer support, leading to problems resolving issues promptly.

Project Delays: Like any freelancing platform, projects might face delays due to communication gaps, differing time zones, or unforeseen circumstances affecting deadlines.

5. PeoplePerHour

PeoplePerHour.Com is a website where people can find freelance work or hire freelancers for various tasks. It's like an online marketplace where individuals and businesses can connect to get things done.

Whether you need a graphic designer, writer, programmer, or any other freelance service, you can find skilled professionals here. PeoplePerHour.Com makes it easy for people to work together online, no matter where they are.

Pros of PeoplePerHour

Variety of Services: PeoplePerHour offers a wide range of services, from writing and design to programming and marketing. You can find freelancers for almost any task.

Talented Freelancers: The platform allows you to connect with skilled freelancers worldwide, ensuring you can find someone with the needed expertise.

Flexibility: Freelancers and clients can work on projects remotely, providing flexibility regarding working hours and location.

Secure Payments: PeoplePerHour provides secure payment systems, ensuring that freelancers are compensated for their work and clients get the services they paid for.

Reviews and Ratings: Freelancers and clients can leave reviews and ratings, helping others make informed decisions about who to work with.

Cons of PeoplePerHour

Fees: PeoplePerHour charges fees for both freelancers and clients. Freelancers may have to pay a commission on their earnings, and clients might need to cover service fees, which can increase the overall cost.

Competition: Due to the vast number of freelancers on the platform, there can be intense competition for projects, making it challenging for new freelancers to secure work.

Quality Varies: The quality of work can vary since anyone can join as a freelancer. Some freelancers might not meet your expectations in terms of skills or professionalism.

Disputes: Occasionally, there might be disagreements between clients and freelancers. Resolving disputes can be time-consuming and might not always result in a satisfactory solution for both parties.

Limited Direct Communication: PeoplePerHour encourages communication through their platform, which can be a limitation if you prefer direct communication methods like email or phone calls.

7 Reputable Micro Job Websites That Can Help You Earn Money Online

Micro jobs are small, one-time, or short-term gigs that revolve around completing a specific task.

getty

Micro jobs may not seem as lucrative as other online earning endeavors, but completing these simple tasks is one of the easiest ways to earn money online on your own schedule.

Not only do these jobs require little to no experience, but there are many options, giving you the flexibility to choose the type of tasks you prefer.

This article lists seven micro job websites where you can earn money online without extensive investment.

What Are Micro Jobs?

Micro jobs are small, one-time, or short-term gigs that revolve around completing a specific task. As these gigs are generally easy and quick to finish, prior experience is often optional.

Typical online micro jobs include writing content, transcribing audio, and testing apps or websites. Although micro jobs are usually offered online through job boards and freelance platforms, some gigs can also be completed in person.

Reputable Micro Job Sites For Earning Money Online 1. Fiverr

Fiverr, an international marketplace for freelance services, is a platform where you can showcase your services or micro job skills as “gigs” that buyers can purchase if they wish to.

To start selling your services on Fiverr, simply register for an account, create one or more gigs detailing your offerings, and wait for interested buyers to place orders. You can set your prices as you see fit, with a minimum transaction amount of $5.

2. Upwork

Upwork is another popular freelancing platform you can use to find legit micro jobs online. Unlike Fiverr, where you list your services and wait for orders, Upwork enables you to proactively apply for posted micro jobs matching your qualifications and skills.

How much money you can earn through Upwork depends on the proposed budget of your potential client. However, it’s not uncommon for freelancers to make thousands of dollars monthly through the small jobs they find on this platform.

3. TaskRabbit

Join TaskRabbit as a tasker and start earning by offering your services to individuals or businesses in or outside your local area. Once you complete the platform’s sign-up process and pay the $25 registration fee, you'll be prompted to display your skills, allowing potential clients to assess your suitability for their tasks.

You can set your TaskRabbit rates and schedule based on your availability and preferences. Current in-demand services on this website vary widely from work around the house like cleaning or painting to online tasks such as data entry.

4. ClickWorker

ClickWorker provides a constant stream of micro jobs you can accomplish anytime and anywhere. On this website, you don’t need to sell yourself to potential clients, as the platform offers and compensates you for the tasks you complete.

Micro jobs on ClickWorker typically pay from 10 cents to a couple of bucks, but there are rare tasks that let you earn nearly $20 for each completed assignment.

5. Amazon Mechanical Turk

The Amazon Mechanical Turk is a crowdsourcing website for virtual tasks requiring human intelligence. This platform connects businesses and individuals who need to outsource various tasks to remote workers who want to complete micro jobs for money online.

After registering as a worker on MTurk, you’ll need to wait up to three days for approval. Once approved, you’ll see the list of human intelligence tasks (HITs) you can get paid for completing.

Most HITs on MTurk pay less than a dollar upon completion. So, many — if not most — workers here earn less than $5 an hour.

6. PeoplePerHour

PeoplePerHour lets you earn money by receiving orders for your service packages and sending proposals for the micro jobs you like simultaneously.

When posting offers, you can set your rates and turnover time. However, you may need to accommodate job posters’ budgets if you apply directly to their projects.

Either way, you’ll be charged a service fee of as much as a 20% or as low as 3.5%, depending on how much you’ve already earned from a specific gig.

7. Freelancer

If you prefer websites where you can proactively apply for the gigs you like, Freelancer is another reputable platform that you can use to make money on the side.

To start earning on this website, just sign up, complete your profile, and bid on projects or contests you’re interested in joining. When bidding, mention compelling reasons why you should get the job or project instead of others so your application can stand out am

Frequently asked questions (FAQs) Which apps pay you instantly?

There is usually a delay between the time you earn cash through a money-making app and when you receive it. Depending on the app, the delay could be 10 days or longer. Still, some apps have low minimum thresholds for requesting payouts. For example, Survey Junkie lets you cash out with just $5 in earnings. You may have to verify your bank account or PayPal details before the app can send you money, which could take several days.

Are money-making apps safe?

Many money-making apps are safe. Legitimate ones will be transparent about how they pay and protect users. If you're unsure about an app, research the company, read online user reviews, and check its Google Play or Apple App Store ratings and download statistics.

How much does a money-making app cost?

Most money-making apps are free to download and use, but some offer in-store purchases to unlock premium features or charge user fees, typically deducted from your earnings. Of course, some apps let you earn cash through rebates—meaning you'll need to spend money to make money. In these situations, consider whether you really need the item. It doesn't make financial sense to buy something you don't need just to score a rebate.

If you're looking for ways to balance your budget, numerous apps can help you earn extra cash or save money on everyday purchases. These money-making apps make it easy to use your mobile device to pick up a side gig, take online surveys, sell stuff you no longer use, lower your bills, and more. The best money-making apps let you sign up for free, get paid quickly, and set your own hours. Here are our top picks for 2023. 

Best money-making apps in 2023

Survey Junkie

Online surveys

Swagbucks

Surveys & gift cards

Rocket Money

Keeping track of your finances

Doordash

Delivery drivers

Rakuten

Cash back

Upside

Gas station rewards

UpWork

Freelancers

TradeStation

Active traders and investors

M1 Finance

Passive investors

Decluttr

Selling tech and media

Best for online surveys: Survey Junkey

Survey Junkey is an online market research community. As a member, you complete surveys in exchange for virtual points, which you can instantly redeem for e-gift cards or PayPal payments. You'll answer a few questions and create a profile to get started, and then Survey Junkey matches you to relevant surveys. You won't get rich taking surveys, and the company points out that it's not meant to replace a full-time job. Still, it says you can earn $40 monthly by completing three surveys a day.

Pros:

Earn money completing brief surveys

Redeem points for e-gift cards or PayPal

Cons:

Surveys might be expired

Some surveys have repetitive questions

Best for earning gift cards: Swagbucks

Swagbucks lets you earn points by completing easy tasks like answering surveys, playing games, watching videos, and searching the internet. You can also earn cash back and access exclusive deals and coupons when you shop at over 1,500 in-store and online retailers (including grocers). Membership is free, and you can redeem your points for gift cards to retailers like Amazon or Walmart or get cash back from PayPal.

Pros:

Multiple ways to earn points

Redeem points for gift cards or cash

Cons:

Low earnings potential

Some tasks are time-consuming

Best for keeping track of your finances: Rocket Money

Rocket Money (the same company behind Rocket Mortgage) is a money management and budgeting app that lets you see all your financial accounts in one place, create budgets, automate your savings, and monitor your credit score so you can save more, spend less, and get (and stay) on track. The app is free, but you'll pay $3 to $12 monthly for premium services, including subscription cancellation, chatting with a money expert, and bill negotiation (which costs 30% to 60% of your first-year savings).

Pros:

Numerous budgeting and savings features

Credit reports and tracking

Cons:

Free version is limited

Bill negotiation service can be pricey

Best for delivery drivers: DoorDash

DoorDash "Dashers" make money delivering products from restaurants, convenience stores, pet stores, grocery stores, and more. To get started, sign up and apply online, set up your profile, and then schedule shifts or start dashing right away. You choose when and how much you want to work and earn a guaranteed base rate for every order, plus tips. You can set up free, automatic weekly payouts or get paid instantly after every dash for no fee with DasherDirect Instant Pay. 

Pros:

Set your own hours

Keep 100% of your tips

Cons:

Vehicle costs (gas, wear and tear, etc.)

No earnings while waiting for food orders

Best for cash back: Rakuten Rewards

Rakuten Rewards (formerly Ebates) offers cash back, deals, and coupons at over 3,500 stores on everything from clothes and electronics to restaurants and ridesharing. Sign up for a free account in less than 30 seconds and start shopping on Rakuten.Com, the Rakuten app, or the browser extension. You can also link store offers to your credit card to earn in-store cash back. Rakuten Rewards emails you when it adds cash back to your account, and you'll get a payment every three months by check or PayPal.

Pros:

Unlimited cash back

$10 welcome bonus for new users

Cons:

Some cash back rates are low

Cash back awarded every three months

Best for gas station rewards: Upside

Upside (formerly GetUpside) partners with businesses nationwide to provide personalized cash back offers. While Upside offers cash back opportunities at restaurants and grocery stores, it's best known for helping people save at the pump. Download the app, create an account, and let Upside access your location to view offers in your area. From there, you'll find and claim offers, pay with a credit or debit card, and submit your receipt or check-in on the app. Upside validates your purchase, and then you can cash out your earnings to your bank account, PayPal, or a gift card.

Pros:

User-friendly app shows map view of offers

Can stack with existing loyalty programs

Cons:

Doesn’t work with cash

Some locations have few or no offers

Best for freelancers: Upwork

Upwork is a freelancing marketplace that connects gig workers with clients. Once you sign up and create a profile, you can pitch projects and bid for jobs in nearly every industry, job, and skill set. You'll invoice clients and track your earnings on Upwork, choose how to get paid (direct deposit, PayPal, Payoneer, or wire transfer), and pay a 10% freelancer service fee on your earnings.

Pros:

Pitch projects and bid for jobs

Payment protection ensures you get paid

Cons:

10% freelancer service fee

Get paid 10 days after billing period ends

Best for active traders and investors: TradeStation

TradeStation is best known for its flagship desktop platform, but on-the-go traders will appreciate its freshly updated mobile app. With a quick and secure login, the app offers sophisticated charting with real-time data, advanced analysis, a streamlined order interface, intuitive order tracking, account monitoring, and more. You'll also have access to pre-built hot lists, news, analyst ratings, and earnings calendars. The app supports stocks, options, futures, and crypto currency trading—with the option to toggle between live and sim trading environments. 

Pros:

Advanced tools and trade execution

Commission-free trades

Cons:

Not as robust as the desktop platform

Steep learning curve

Best for passive investors: M1 Finance

M1 Finance is a low cost robo-advisor that's ideal for self-directed investors wanting to manage their investing, banking, and borrowing in one app. Offers like an Federal Deposit Insurance Corporation (FDIC)-insured savings account that earns 5% APY (as of Nov. 2, 2023), a Visa credit card that offers up to 10% cash back, and no-fee personal loans may appeal to anyone. Self-directed investors will appreciate M1's competitive margin loan rates, digital tools, and automated investing with dynamic rebalancing to keep your portfolio allocation in check.

Pros:

Integrate investment, banking, and borrowing

Trade automation with dynamic rebalancing

Cons:

$10 monthly fee to get the best offers

No access to advisors or recommendations

Best for selling tech and media: Decluttr

Decluttr is a resale app that lets you sell the tech and media products you no longer use, such as old smartphones, laptops, tablets, smartwatches, DVDs, game consoles, and video games. To get started, download the app, search for the item you want to sell (or scan the barcode on your media), and get an instant price quote. If you accept it, Decluttr sends a free UPS shipping label. Once Decluttr receives the item, you'll get paid by direct deposit or PayPal within 24 hours. Or, if Decluttr doesn't accept the item for some reason, it will send it back at no cost to you.

Pros:

Accepts old and broken electronics

No fees and quick payments

Cons:

Valuations aren’t negotiable

Decluttr might send your item back

swah TIME Stamp: Money-making apps can supplement your income 

It's essential to set realistic expectations when using money-making apps. They aren't get-rich schemes, and you might not earn enough to make ends meet. And as a gig worker, you won't receive any employee benefits like health insurance, a 401(k), or paid time off—and your earnings may be sporadic.

Still, money-making apps can be an excellent way to supplement your income while enjoying the flexibility of setting your own schedule. Keep in mind that using certain apps together could boost your earnings potential. For instance, if you drive for DoorDash, you can use Upside (or the DasherDirect prepaid Visa) to save at the pump. Every little bit counts when it comes to balancing your budget. 

Frequently asked questions (FAQs) Which apps pay you instantly?

There is usually a delay between the time you earn cash through a money-making app and when you receive it. Depending on the app, the delay could be 10 days or longer. Still, some apps have low minimum thresholds for requesting payouts. For example, Survey Junkie lets you cash out with just $5 in earnings. You may have to verify your bank account or PayPal details before the app can send you money, which could take several days.

Are money-making apps safe?

Many money-making apps are safe. Legitimate ones will be transparent about how they pay and protect users. If you're unsure about an app, research the company, read online user reviews, and check its Google Play or Apple App Store ratings and download statistics.

How much does a money-making app cost?

Most money-making apps are free to download and use, but some offer in-store purchases to unlock premium features or charge user fees, typically deducted from your earnings. Of course, some apps let you earn cash through rebates—meaning you'll need to spend money to make money. In these situations, consider whether you really need the item. It doesn't make financial sense to buy something you don't need just to score a rebate.

Best 5 Websites For Freelancers To Earn Money Online

Opinions expressed by Entrepreneur contributors are their own.

This story originally appeared on Readwrite.Com.

The world of freelancing offers a tremendous opportunity for individuals to earn money online, allowing them to showcase their talents and expertise to a vast audience. With the rise of online platforms connecting freelancers and clients, the traditional workplace boundaries have blurred, empowering freelancers to work on diverse projects from the comfort of their homes.

Related: #4 Mistakes that can Ruin Your Freelancing Career

These opportunities not only provide financial independence but also foster a global community of skilled professionals. As technology continues to advance, the landscape of online freelancing is expected to expand, creating even more avenues for freelancers to thrive and succeed in the digital age.

Here are five freelance websites for freelancers based on my personal experience

1. Fiverr

Fiverr.Com is a website where people can buy and sell services. It's like an online marketplace where you can find freelance jobs for things like graphic design, writing, programming, and more.

People who need tasks done can hire freelancers from all over the world. It's a convenient platform for getting work done or earning money by offering your skills and services online.

Related: 44 Side Hustle Ideas to Make Extra Money in 2023