Apps for Effortless Money

Who wouldn’t want some extra money if there is no effort involved? 

While there are all kinds of ways to make extra money, there are varying amounts of effort and work required. I’m a big fan of easy wins, and I love possibilities that will put more money in my pocket without requiring much from me.

This article will highlight seven different apps that allow you to make or save money with no effort at all. To be honest, these apps aren’t going to make you rich. But they all allow you to make or save money effortlessly, so they are definitely worthy of your attention.

1. MobileXpression

Earning something extra with the MobileXpression app is about as easy as it gets. MobileXpression is a market research company that studies trends and behaviors and they will compensate you for access to your mobile browsing activity.

You’ll sign up for free, install the app on your phone or tablet, and you’ll need to open the app occasionally to claim the credits that you’re earning. You’ll earn 5 credits each week that the app is active. When you have accumulated 30 credits (6 weeks), you will be able to redeem them for a $5 gift card of your choice. If you wait until you have 50 credits (10 weeks), you’ll be able to redeem them for a $10 gift card of your choice. You’ll also get a bonus just for signing up and installing the app.

It’s a better deal to wait until you have 50 points. If you do that, you can earn $50 in gift cards per year. I’ve had MobileXpression installed on my phone for a year now, and I’ve received $50 in gift cards to Amazon. It’s probably my favorite app because it’s so easy. After installing it, all I’ve had to do is open the app to claim credits and choose my gift card.

If you have multiple devices, you can install it on all and multiply the rewards that you earn.

If you don’t mind providing access to your browsing activity, MobileXpression is a great way to make something extra with no effort. They do not collect or view your text messages, emails, or other personal content.

2. Swagbucks ($5 signup bonus)


Swagbucks is one of my favorite sites for paid online surveys, but there are also some effortless ways to make money with Swagbucks.

First, when you sign up through this link, you’ll get a $5 bonus.

Some of the low-effort ways to make money with Swagbucks include setting Swagbucks as your default search engine, watching videos, playing games, and installing apps.

Probably my favorite way to earn through Swagbucks is the cashback functionality. When you install the Swagbucks button in your browser, you’ll be notified whenever you are browsing a website that offers cashback through Swagbucks. All you need to do is click on the alert and Swagbucks will track any purchase that you make, and you’ll earn very easy cash back for the things you need to buy. Swagbucks has thousands of websites that partner with them, so you’ll be able to earn cash back for a large percentage of your online purchases.

And of course, if you want to put in a little extra effort to maximize your income from Swagbucks, you can also take some surveys.

2. Dosh


Dosh is a cash back app, but it’s very different from some other popular cashback websites/apps like Rakuten (formerly known as Ebates) and Ibotta. With Dosh you will never have to scan receipts or claim the deals that you want.

After you create a free Dosh account, you’ll link your credit and/or debit cards to the app. Whenever you make a purchase using one of your linked cards at a store/website/restaurant that participates in Dosh’s program, you’ll earn cash back. After you’ve linked your cards, there is really nothing else you need to do.

The amount of cash back that you’ll earn through Dosh will vary depending on the retailer, but many of the offers are in the 3% – 5% range. One of the best things about Dosh is that this cash back will be on top of what you earn by making a purchase with a rewards credit card, so you can stack the rewards and cash back. If you like credit card rewards, you’ll love being able to stack the rewards to get even more.

From inside the Dosh app, you will be able to see cash back offers that are nearby to your current location. For example, I can see a 4% cash back offer at my local Dunkin Donuts. Dosh also has a lot of offers from local retailers and restaurants, so it’s not only the big chains.

Dosh also offers some online cashback deals, but in order to get those, you will need to click through from the app and make a purchase (so it’s a little more effort than the local deals).

Sign up for Dosh here and earn cash back effortlessly.

3. Drop


Drop is another cash back app that is similar to Dosh in some ways. Like Dosh, you’ll sign up and link your credit or debit cards to drop for easy cash back.

But there are a few differences between Dosh and Drop. When you create your free Drop account, you will select five offers that will be your “power offers”. It’s important to choose these carefully because you can’t change them later. You’ll earn cash back automatically from the retailers that you select, so you’ll want to pick the places where you spend the most money.

Drop has some great stores and restaurants in their program, so you’ll have some excellent choices. My power offers include Walmart, Target, Walgreen’s, McDonald’s, and Dunkin Donuts. Any time I make a purchase at those places with one of my linked cards, I earn Drop points.

Drop works on a point system where 1,000 points = $1. When you get 5,000 points, you will be able to redeem them for a gift card of your choice.

Another key difference between Dosh and Drop is that Drop has additional offers that you can choose for earning extra points (and honestly, this is one of the best ways to earn a lot of points). You may get points for simply installing an app, creating an account, or for making a purchase.

And just like Dosh, Drop points can be stacked on top of the rewards you earn from credit cards, other apps, and loyalty programs.

Sign up for Drop here and earn cash back effortlessly.

4. Bumped

Bumped is a new app that allows you to earn stock instead of cash back or rewards points. You’ll create a free account and link your debit and/or credit cards. You’ll also select your favorite brands within the app. When you spend at those brands using your linked cards, you’ll earn fractional shares of stocks and ETFs from those brands.

Currently, there is a waiting list for Bumped. You can sign up for free and you’ll be notified when you are able to get access. Bumped is functional now, they’re just letting users in slowly.

There are no fees to use Bumped and it can also be stacked with credit card rewards and other cash back apps.

Bumped is a really unique app, and one that allows you to earn stock in your favorite brands with no effort on your part. Once it is set up (which only takes a few minutes), there is nothing left to do.

Sign up for Bumped here to start earning stock.

5. Trim


Trim is an awesome money-saving app. There are a few different ways the app works. First, after you create a free account, you will link the app to your credit cards and/or bank accounts. Trim will analyze your spending and look for subscription payments that you can cancel.

The best feature of Trim, in my opinion, is the bill negotiation. If you give Trim permission, they will work on your behalf to negotiate the lower bill for your cable TV, internet, and cell phone services. I tried, unsuccessfully, on my own to get Comcast to lower my bill, but Trim was successful.

There is no cost to try the bill negotiation service, but if Trim is able to lower your bill, they will keep 1/3 of the difference for the first year. So if they reduce your bill by $30 per month, they’ll take $120 ($10 x 12 months) and you’ll save $20 per month after their cut. If they are unsuccessful at reducing your bill, you owe nothing.

Trim also offers automated savings and debt pay off plans.

The bill negotiation service is what places Trim on this list. You can take just a couple minutes to sign up and then let Trim do the work to save you money each month.

Let Trim Negotiate Lower Bills for You
Trim is an app that can save you money in a few different ways. You can allow Trim to negotiate your bill for things like cable TV, internet access, and wireless phone service. It's an easy way to save!

6. Charlie


Charlie is technically not an app, but I’m including it on this list because it has the same benefits as the others – effortless money.

To use Charlie, you will either sign up with your phone number or Facebook Messenger. Charlie will communicate with you via text or Messenger rather than through an app.

After you sign up, you’ll link Charlie to your bank account. Charlie will help you in a few different ways like:

  • Finding free money
  • Finding low-priced services
  • Reminders for credit card due dates
  • Savings reminders
  • And more

Charlie is 100% free to use. They claim that the average user saves $80 per week thanks to Charlie.

Sign up for Charlie here.


BONUS: UpVoice


I’m listing UpVoice as a bonus because it’s not a mobile app, it’s a browser extension. Still, it helps you to achieve the same goal (making easy money) as the apps featured in this article.

UpVoice will pay you for visiting popular sites like Facebook, Instagram, Twitter, LinkedIn, YouTube, and Amazon. You already visit those sites anyway, so UpVoice will compensate you for things you already do.

You can earn up to $70+ per year in gift cards very easily. You’ll need a Facebook profile and you’ll need to fit a few demographic requirements in order to be eligible (you must be at least 18 years old and as of now, it’s only available in the U.S.). Once you sign up, you’ll install a Google Chrome extension and you’ll start earning points right away.

Sign up for UpVoice here.


If you want effortless money, and I’m sure you do, try all of these apps and I think you’ll like the results.