Apps That Earn You Money & Do They Work?

Apps That Earn You Money & Do They Work?

We are addicted to our devices, but did you know that your smartphone can earn you money right from the comfort of your mobile device, home, or wherever you are? Here are some of my favorite money-making apps.

Some are completely passive once installed, while others take a little longer.

I have explained them in detail and encourage you to choose and install the ones that suit you best.

For each of them, we'll take a quick look at how they work and how you can earn and get paid for using them.


Upwork, formerly Elance-oDesk, connects freelancers to gigs in writing, SEO, Website development, design, marketing, and other categories on the marketplace. First, you will create a profile. You should include vital information such as the area you are interested in and qualifications, availability, and desired rate. Then you can submit proposals. Customers will review these and provide templates if they deem them appropriate.

As a freelancer on Upwork, you start each month with 10 connections; connections are like credits that allow you to connect with potential customers. You will have to pay a small fee for multiple connections, but you won't be charged when customers contact you. You also earn connections for every interview you get after sending a proposal. You can decide to be paid by the hour or by milestone, or by the project.

Payment: Direct to US Bank, Direct to Your Bank Account, Wire Transfer, Instant Pay, PayPal, and Payoneer. There are fees for some payment options, so check Upwork for details.

Benefits: Upwork helps simplify finding customers, building relationships, and receiving payments. The service also gives you the option to set your preferred rate and schedule.

Cons: Downloading the app is free, but connecting with many clients requires patience, consistency, and money in some instances. Users also pay a service fee. Upwork requires a 5% to 20% discount on your earnings, depending on your client's working relationship and level. The more you earn, the more you can keep. However, you will not be paid until ten 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 the seller who they believe is best for them.

Download: Android, iOS.


The Poshmark is tailor-made for selling accessories, clothes, and even home decor. Once you've saved, taken, or uploaded photos of your item, enter a description, assign a price, and share the listing. You can also submit items to the app's "Posh Parties," which are virtual shopping events focused on specific brands, categories, and themes. Poshmark emails you with a prepaid shipping label once a purchase has been made. Then, you ship the package.

Payment: direct deposit to a bank account or check.

Pros: Poshmark simplifies the entire process, from sale to delivery. Plus, you don't need to meet strangers to make a sale. The company will cover lost packages and deal with issues between you and the buyer. Getting paid is also relatively quick; Poshmark issues the money within three days of receiving the buyer's order.

Cons: You will pay a commission to sell through Poshmark. The company charges a commission of $2.95 for sales under $15 and a 20% commission for sales of $15 or more.

Download: Android, iOS.


Rakuten (formerly Ebates) rewards shoppers with up to 40% off purchases made from popular retailers, restaurants, and food delivery services. Users can also earn money from travel, gift cards, and more. It's simple:

  • Create an account.

  • Tap the store where you want to buy from on the app.

  • Complete the transaction through the portal.

Also, you can connect a debit or credit card to your Rakuten account to receive cashback in the store, provided you activate the offer through the app as soon as possible. Rakuten will credit the money to your account after you confirm the purchase with the merchant, which may take a few hours to a few days.

Payment: Check or Paypal.

Pros: Thousands of purchases and stores are eligible for cashback, so chances are you've found deals you've shopped for before. New users can qualify to earn a $10 welcome bonus after the first qualifying purchase. You can also earn signup and referral bonuses.

Cons: As with most cash back services, you have to spend money to make money. You won't even see your earnings right away; Rakuten sends out payments every three months, and you need a refund of at least $5 to get paid.

Download: Android, iOS.


Ibotta lets you earn cashback for in-store and online purchases from over 2,000 accepted retailers. Originally for food, it has expanded to include clothing, entertainment, outdoor dining, pet supplies, and other categories. Offers may be product or reseller specific, and some will apply automatically. For others, you'll need to carry out an additional activity, like watching a video or taking a survey.

There are three ways to earn money in-store: add offers and send your in-app receipt after shopping, connect to your loyalty accounts, or buy a gift card through the Ibotta app. For online purchases, buy through the app or with the Ibotta browser extension on your computer.

Payment: PayPal, digital gift card, or directly to your bank account.

Pros: You'll receive fast cash back for in-store purchases, usually within 24 hours. Ibotta also offers a welcome bonus for new users, referral bonuses, and a variety of payment methods.

Cons: Earning money on this platform can sometimes be a slow process. You are required to have at least $20 in cash to redeem your winnings (some gift certificates require at least $25 in winnings). The merchant's wait time to receive a refund varies for online purchases.

Download: Android, iOS.


Fiverr is a freelance marketplace that offers jobs in over 200 categories, including writing, programming, video, and animation. First, create an account, then you can define your "seller" profile by highlighting your experience. Publish the gigs you are offering, which will include the price and a description of your services. Customers called "buyers" will be able to click and click on place orders. You will be paid after the work is completed. Fiverr assigns vendor tiers based on performance. As you go higher, you will be able to sell more "extras," such as faster delivery times.

Payment: PayPal, directly to a bank account or credited to the Fiverr Revenue Card (a prepaid card). Minimum withdrawal amounts vary, and withdrawal fees may apply depending on your choice.

Pros: You do not have to worry about tracking buyers as they come to you. You can also earn tips.

Cons: Fiverr withholds 20% of your earnings for each show, including tips, and there's a standard 14-day waiting period (top sellers wait seven days) to withdraw money after completing an order.

Download: Android, iOS.


How it works: Swagbucks, which was founded in 2008, is a cashback and rewards app. Earn points, called "SB," when you make purchases, take surveys, watch videos, play games, or do other activities through Swagbucks. You can redeem these points for gift cards or receive a refund to your PayPal account. Total points awarded may vary by activity. For instance, surveys are usually worth between 40 and 200 SB points each. The minimum balance required for redemption depends on the payment option you choose, but some gift cards are only available for 110 SB.

Payment: Paypal or gift card.

Pros: It offers lots of easy ways to earn rewards, and there's no waiting time to get paid. Payments usually arrive within ten business days of redemption. You can also get a $10 bonus on qualifying purchases of $25 when you sign up.

Cons: It doesn't pay much; an SB is worth about a cent. Many cash-strapped businesses can take a lot of time and effort to earn a substantial amount of money. Also, you will not be eligible for every survey or topic. Users often report that they were banned from polling in the middle of their run. According to the platform, this could be due to dishonesty, demographics, or inconsistent responses.

Download: Android, iOS.


How it works: OfferUp, which along with competitor Letgo in 2020, functions as a local marketplace you can use to sell your products. If you want to reach a wider audience, OfferUp also allows you to ship to the continental United States. Create an account and take a photo of your smartphone, car, sofa, or whatever you want to sell. Once you've added a title, price, and description, you can post your listing and chat with buyers right from the app. You ship or arrange a meeting with the buyer.

Payment: cash or deposit by debit card or bank account.

Pros: Building a listing is quick and easy, and you get paid instantly when you make a cash sale. You can also check the ratings and reviews of potential buyers to get an idea of their reliability in advance. The buyer pays the cost if you ship your item, and OfferUp provides the label.

Cons: You are responsible for personally meeting local buyers and managing transactions. Sellers must pay a 12.9% service charge or a minimum of $1.99 for shipping.

Download: Android, iOS.



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