Who doesn’t like the idea of having some extra cash in their pocket? For most of us, the thought of generating a second stream of income is directly associated with the extra work that this would involve, and where or how to find the time to fit that in. The good news is, it is entirely possible to generate extra income for very little effort and at no extra cost to you.
In this list, you will find a multitude of apps, websites, services, and methods that could enable you to increase your earnings and capitalize on the time you do have to spare. Whether it is already spent surfing the web, shopping online, scrolling through social media, or playing games online; each of these regular pastimes can be monetized and allow you to get free money now. We’ll show you how.
Ways to Get Free Money Now
After reading through this list, you are sure to have uncovered some ways of generating profit during your free time:
Apps With Signup Bonuses:
Swagbucks ($5 Signup Bonus)
Swagbucks is a great place to start if you’re looking for easy, free money now. Swagbucks is essentially a rewards site that compensates its users for completing simple online tasks or surfing the web using the Swagbucks search engine or browser extension.
By far the quickest and easiest way to earn money with Swagbucks is by taking advantage of their sign up bonus. Swagbucks offers a $5 welcome bonus to new users, simply for creating an account using an existing email address. This bonus gets you well on your way to cashing out your earnings, completely free of charge. You can also use the cashback component to easily earn cash back on many of the purchases you already make.
Ibotta ($20 in Signup Bonuses)
Ibotta boasts the highest sign-up bonus on this list, offering new users $20 for creating an account with them. All you need to do is visit the Ibotta site using an active referral link, create your account, and complete the required Ibotta offers within the specified time-frame.
Usually, you will need to redeem both an in-store and online offer within 14 days to receive the full bonus. The offers require you to purchase items recommended to you by Ibotta. These tend to be daily house-hold items or groceries which you would likely purchase anyway, so this is a really easy way to earn an extra $20.
Rakuten ($10 Signup Bonus)
Rakuten users benefit from cashback rewards for their online or in-store purchases. As well as this, they offer a $10 welcome bonus to new members.
To receive the bonus you will need to create your Rakuten account, download the mobile app, and begin shopping with Rakuten’s participating retailers. You must spend $25 or more within 90 days of becoming a Rakuten member. This is a generous time frame, and with so many partnered retailers on the Rakuten app, many of your regular purchases can likely be made using Rakuten.
While it depends on your spending habits, many people will be able to easily rack up $100 or more per year in cashback from Rakuten just from routine purchases.
MyPoints ($10 Signup Bonus)
Making extra cash with MyPoints is straightforward and easy. Even more so since they began offering a sign-up bonus of $10 to new users, providing a nice bonus for free money now.
To claim the bonus, you must sign up to MyPoints using your regular email address and make $20 worth of purchases using the MyPoints website or app within 30 days of signing up.
MyPoints works with a huge range of retailers and also offer rewards for a multitude of simple online tasks, so if you’re internet-savvy, often make online purchases, and like the sound of free money, it is well worth signing up.
InboxDollars ($5 Signup Bonus)
InboxDollars pays for your opinions and experiences. By completing regular surveys you could earn extra cash in your spare time for very little effort. Many sites offer this type of service, however, the main incentive for using InboxDollars is their generous $5 sign up bonus offer.
All you need to do to claim the bonus is to create your account and verify your email address. This provides a nice starting point from which you can build your earnings, as surveys are recommended to you by InboxDollars.
Investment Apps With Bonuses
Personal Capital ($20 Signup Bonus)
Personal Capital provides free software for managing your finances. They also offer personalized services for a fee, but anyone can use the free software without any commitment to pay for other services. Personal Capital will help you to calculate and track your net worth, stay on top of your bills and spending, and analyze reports on your finances and investments.
Signing up to Personal Capital is free, and could earn you some extra cash. When referred by an existing member, you are required to sign up using the referral link, before linking at least one active financial account. Both you and the referee will then receive an instant $20 bonus once your first account is linked.
Robinhood (Free Stock for Signing Up)
With Robinhood, you could earn free stock simply by opening a commission-free brokerage account. The Robinhood brokerage app allows users to trade stocks, ETFs, and cryptocurrency from their mobile devices.
After opening a brokerage account with Robinhood, users are rewarded with one share of free stock which can be kept or traded at a later date. As well as this, Robinhood offers referral bonuses, should you choose to recommend the app to a friend.
As far as investment apps go, Robinhood is one of the more accessible, with a comprehensive guide to growing and trading stocks and funds.
M1 Finance ($20 Bonus)
Signing up to M1 Finance using an active referral link could yield high monetary rewards.
By signing up for an M1 account using a referral link and depositing a minimum of $100 into your account within 90 days, you will be eligible for a free $20 bonus. You can also refer friends to the site and earn a further $20 bonus each time you do so.
Investment apps are growing in popularity, and M1 finance offers a comprehensive and user-friendly service, making this a great time to cash in on their referral bonuses.
Nvstr (Up To $1,000 in Cash When You Sign Up)
If you’re looking for an investment app which offers the potential for a substantial free payout, Nvstr might be the option for you. Nvstr offers a random selection of new members up to $1,000 simply for signing up to their site and placing a trade within one month of sign up.
This is a great incentive if you are looking for a site that provides an accessible approach to investing in stocks. Simply sign up with Nvstr and the funds will automatically be rewarded to your account. Nvstr also offer rewards for referring friends to the site.
Webull (Free Stock)
With Webull, new members are given free stock for signing up and depositing a minimum of $100 into their brokerage account (they also run additional promotions from time-to-time). Much like Nvstr, the rewards are given at random and could be valued anywhere from $8 to $1,600.
This offer also stands if you refer a friend to Webull. Once they have signed up and made their $100 deposit, you will receive more free stock, varying in value. If you’re lucky, this could reap some great rewards and really boost your stock shares with no extra cost.
Bumped (Free Stock)
Bumped offers an entirely unique user experience. Offering members free stock simply for shopping with participating retailers. The app is not designed for stock-trading, but simply for providing rewards to customers in the form of stocks.
By linking a credit or debit card, Bumped will track your spending and reward you for any qualifying purchases. Stocks can eventually be sold using the app and dividends can be reinvested into new stock. Best of all, these rewards from Bumped can be stacked on top of the rewards you earn from a cashback credit card.
Stash ($5 Signup Bonus)
If you’re looking for an investment site which offers sign-up bonuses but don’t want to make a large initial deposit in order to qualify, Stash may be the best choice for you.
After opening an account with Stash and making a deposit of just $5, you will receive a $5 sign-up bonus. Compared with most other investment apps, this is extremely affordable and makes investing in stocks accessible to a wide range of people.
As well as this, Stash offers rewards for referring friends, with a maximum of $500 in yearly bonuses. This is an excellent way of boosting your regular income.
TopCashback offers some of the highest cash back rates for your online purchases and is currently one of the most popular services of this kind. Membership is completely free, although if you’re looking for higher cashback rates and additional bonuses, you might consider their $5 monthly subscription plan.
Members of TopCashback are paid for any online purchases made with participating retailers and rewards can be redeemed for cash or gift cards.
The Fetch Rewards mobile app enables users to earn cash back rewards on their regular grocery shopping. Simply upload a copy of your receipt and let Fetch do the rest.
Some items on your shopping list could earn you as much as 10,000 points, which is roughly equivalent to $10. As well as this, Fetch will also advise you on future products or brands which are likely to reap the highest rewards.
Almost anyone could benefit from using this service. It’s free, user-friendly, and offers great incentives.
Dosh is a rewards app that is available to download on most mobile devices. Once installed, Dosh will notify you of all local restaurants and retailers offering cashback in your area. By linking a credit or debit card, any transactions with these merchants will automatically be credited to your Dosh account in the form of rewards points.
Rewards can be exchanged for direct PayPal or Venmo deposits, or you might choose to allow Dosh to donate them to charity on your behalf.
The app works entirely in the background, so it requires minimal effort on your part.
Much like Dosh, Drop is a mobile app available on most devices. After downloading the app and linking a credit or debit card, users benefit from cashback rewards for their regular daily expenses.
Rewards are earned through both in-store and online purchases with participating retailers and can be redeemed for gift cards with a wide range of merchants.
Pei offers a similar service to Drop; automatically tracking your purchases with partnered retailers through your linked credit or debit card.
Offering members up to 20% cash back on purchases, Pei offers good rates and is very easy to use. Once you have allowed your location to be shared within the app, Pei will highlight all participating stores and merchants, so you can tailor your spending and gain the highest rewards possible.
Money for Your Data
MobileXpression is available to download as an app on most iOS and Android devices. The app is designed to enable market research firms to gain a better understanding of the ways in which we as consumers use the internet.
The app runs silently on your device, meaning any income gained is completely passive and requires no effort beyond signing up. While running, the app will track your behavioral patterns using the internet: which websites and apps you access most frequently, for how long, and at what time of day. It’s important to note that the app does not track any activity that happens in said apps or websites. As well as this, MobileXpression assures it’s users that all data is stored anonymously.
Sign up is quick and easy and rewards are paid in the form of Amazon gift cards, charity donations, or sweepstake entries. You can earn about $50 per year in rewards very easily with MobileXpression.
The premise of this app is very similar to that of MobileXpression. It works silently in the background of your device to track your internet usage. Again, all identifying information is removed from any stored data before it is sent back to Nielsen for analysis.
The app works on the basis that online retailers will pay Nielsen for this data to enable them to tailor their advertising so that it better suits their target consumers. Nielsen then shares a percentage of this profit with their users.
The rewards with this type of app are not huge but are consistent and accumulate over time in exchange for you simply using your device as you usually would. A great option if you’re looking for minimal effort rewards.
UpVoice offers its members the chance to earn rewards simply for accessing certain websites. The websites include Facebook, Twitter, and YouTube, among others. If you often find yourself scrolling through these sites, why not capitalize on this time?
UpVoice claims that within one year, members can earn up to $75 simply for installing the app and signing up. It’s also possible to boost your earnings even further by participating in simple online tasks such as completing surveys or referring friends.
It’s worth noting though, that membership to UpVoice is not open to all. It really depends on who research groups are interested in hearing from at any specific time, and is dependent on your age and location as well as other personal criteria. If your application is successful, however, this could be a great little earner on the side.
With Embee Meter CX the application approval process is slightly more selective. This app is available only to Android users and again, the success of your application is dependent on age, location, and other requirements.
It does seem though, that Embee Meter CX offers some of the highest reward percentages to their users. It’s possible to earn up to $0.30 per day using Embee Meter, so if left to run, you could earn almost an extra $10 per month completely passively.
Cash-out is available as soon as you reach $5 in your Embee account, and is deposited directly into your PayPal account.
Junk Mail is often seen as an inconvenience. One that is either ignored or one that requires us to sift through a plethora of marketing materials that often aren’t applicable or useful to us. With SBKC, you could earn monetary rewards for your junk mail.
SBKC pay their members for sending in their direct mail and email communications which relate to the qualifying topics such as insurance, banking, home improvements, and a host of other categories.
Admittedly, this does require more effort on the part of the user than one of the aforementioned mobile apps, but SBKC claims that their members can earn up to $20 in rewards points within 6 weeks, so the incentives are pretty high.
There is often a wait-list to join SBKC as a consumer, and not all applications will be approved, but if you find yourself often deleting or recycling your piles of junk mail, why not apply for an account with SBKC, and earn money for your junk mail instead?
Honeygain is a passive income app available to install on iOS, Android, Mac, and Windows devices. The app rewards users for simply surfing the web. Your internet access is sold to third parties, the profits of which are then split with you as the consumer.
Bonuses are available to boost your earnings within the app. With a $5 signup bonus and others available for referring friends, it’s easy to maximize your earnings using this app. One thing to be aware of when using the app is that it will make use of your mobile data plan, so unless you have unlimited data usage, it might be worth disabling the app when you’re not using a secure wifi connection.
FluidStack is a legitimate provider of passive income to many. Upon signing up with FluidStack you are essentially allowing them access to a small portion of your computer’s bandwidth to act as a server while you are not using it.
This is a unique service and allows cloud service charges to be reduced, as there is less need to use huge data centers to share content and media. As a member, you are paid for signing up and allowing your computer to be used in this way while it is idle. Payment rates vary and are dependent on your internet speed, but it is possible to earn $50 a month for doing absolutely nothing beyond signing up.
The service is open to anyone who owns a desktop computer and has a stable internet connection. Installing FluidStack should not impact your regular computer usage, as they will recognize when you are using your computer, and will not utilize it until it is completely idle.
Money for Reviews
With HostingPill, you could earn money for simply reviewing various web hosting services. Each approved review will earn you a $5 PayPal deposit or Amazon gift card, and with a huge range of hosting services available to review, you could earn yourself a nice little bonus for sharing your opinions and experiences.
Submitting your reviews with HostingPill is quick and easy, with a comprehensive guide on their website and a simple form to complete, you could be reviewing hosting services in your free time.
If hosting services are not your niche, but you like the idea of being paid for sharing your opinions or experiences with different products, Slice the Pie might be the best choice for you.
With Slice the Pie, you can earn rewards for sharing reviews on different music, clothing, commercials, among other products or materials. Payments vary and are heavily dependent on your star rating. Your rating increases with every high-quality review you submit.
The app is available on Android and iOS devices and is really easy to use. Overall, this is a great way to learn about new products and get paid for sharing your input.
Save Money on Your Monthly Bills
Truebill is a free mobile app that assists users in managing their finances. Its main functions are lowering the cost of monthly bills, managing subscriptions, and seeking refunds that you may be owed on your behalf.
Once you have linked a banking account and provided a copy of your latest utility bill, Truebill will work to reduce costs and flag any recurring payments, giving you the option to cancel them. Truebill can liaise with most banks and billing providers to negotiate lower costs and reduced charges on things such as overdrafts or late payments.
After securing the savings, Truebill will claim 40% of the amount saved to cover their service fee. This is quite a high rate, but with a huge range of services on offer from Truebill, it may be worth looking into whether this app would be beneficial to you.
The services on offer with Trim are similar to those provided by Truebill (see Trim vs. Truebill vs. Billshark). The main difference is that Trim will take a smaller percentage of your savings, averaging between 30 and 33%. As well as the cost-reducing and financial managing services, Trim also offer a high yield savings account and Debt Payoff service, although these do incur an additional cost.
Users should be aware that with both Trim and Truebill, their service fee will often be withdrawn from the credit account as soon as any savings have been secured. This is likely to be before the full benefits of the saving have been realized, and can come as a shock to some members.
Cricket Wireless ($25 bonus)
Cricket Wireless is a wireless provider that claims to offer some of the lowest rates available, particularly through their limited time offers and deals on plans and devices. I’ve been a customer for 3 years and I’ve been extremely happy with Cricket.
One of the main incentives associated with the Cricket Wireless plans is that they are contract-free and incur no hidden fees. As well as this, they offer a generous reward scheme which gives new customers $25 in account credit when they sign up using an active referral link.
If you’re looking for a new provider, it’s definitely worth checking out Cricket Wireless for some of the lowest-priced plans.
Renewable energy use is on the rise, and Arcadia Power is one of the fastest growing providers in the United States. Their mission is to make renewable energy accessible to all residential customers.
Through their energy offset programs, customers can offset their energy usage with wind power or purchase a solar panel and benefit from the solar savings on their monthly bills. As well as this, Arcadia offer an array of free upgrades and services such as efficient lighting and thermostats.
Not only does this reduce carbon emissions and help to relieve the global climate crisis, but it also provides affordable and efficient energy to Arcadia customers. Their tracking service also allows customers to manage their usage and reduce their spending.
Rebates, Coupons, and Refunds
RebateKey informs its members of current deals and discounts available to them from a wide range of retailers and merchants. The site was developed with the intention of allowing merchants to share their latest products and deals with potential consumers, to encourage engagement with their brand and drive sales of their products.
Members are provided with a unique rebate key which unlocks exclusive discounts when provided at the checkout. Cashback is then paid within 35 days of the purchase.
Rebaid is a platform on which Amazon sellers can connect directly with potential shoppers and share significant discounts on their products. Buyers must click through to the Amazon page to make the purchase before confirming the order with Rebaid. The rebate is then processed and confirmed, at which point you will be reimbursed with the discounted amount.
The purpose of the site is to drive sales and provide discounts while not negatively impacting the product’s ranking algorithm on Amazon. Amazon often disregards products with large discounts applied in terms of their ranking, so this is a way around that.
As a consumer, this is a great way to find potential hidden discounts and savings on products.
Similarly, Vipon offers a place to find the best deals on Amazon products. Sellers compete with one another to increase sales by gaining positive reviews, and providing discount codes to potential customers is a good way of doing this.
Some discounts offer as much as 100% off products, meaning that you get the item for free in the hopes that you will leave a positive review on the seller’s page. New deals are released throughout the day and often run on a first come first served basis, so it’s worth checking the site if you’ve got some spare time and are on the lookout for a specific product.
Paribus operates a service which automatically price-checks all popular online retailers to enable you to find the best deals and lowest prices on your purchases.
Once you have signed up to Paribus with your email address, their software will scan your inbox for purchase confirmations and then price check your order with other retailers. If your purchase can be found cheaper elsewhere, Paribus will request a refund of the price difference on your behalf from the seller. Paribus offer other services as well, including delivery tracking in order to hold businesses accountable for late deliveries.
Paribus may not provide a consistent way to earn money or cashback, but it is worth signing up if you often make online purchases and would like to ensure that you are getting the best offers available.
Money for Playing Games
For those of us that enjoy online gaming as a regular hobby or pastime, Mistplay offers the opportunity to monetize this time.
Mistplay is an app made specifically for Android devices and offers rewards in exchange for playing games featured on the site. The basic premise is that the more time you spend playing the games, the more you earn. The games available are determined by the specific user’s location and rewards are paid through gift cards to various retailers.
To use Mistplay, you must be 13 years old or over, and sign up can be done using a Gmail or Facebook account.
If you enjoy the thrill of gambling, but don’t enjoy the risk, Lucktastic is a free mobile app which may suit you. Through the app, users can play digital scratch cards and enter competitions with the possibility of winning real cash rewards.
Some Lucktastic users have reported winning huge amounts of money with this app, and it’s highly accessible, given that its available on both iOS and Android devices.
As well as scratch cards, Lucktastic offers a multitude of other ways to win money including sweepstakes, daily rewards, and other competitions. While you may not win the high sums reported by some lucky users, this is a fun app that could allow you to earn some extra cash in your free time.
BlackoutBlitz is a bingo game app available on both iOS and Android devices. The game does require you to make cash deposits in order to play, but unlike many other online bingo apps, BlackoutBlitz offers real cash rewards.
There are also ways to make money using BlackoutBlitz without having to deposit a penny. The app is part of the Skillz network, which rewards loyal players with tickets. These tickets can be redeemed for cash and then used as deposits. You could also capitalize on the ‘refer a friend’ bonus offer, which offers both the referee and the new member a cash bonus.
If you’re aware of your limits and use this app sensibly, there is the potential for some big wins in many of the bingo games.
Surveys and Small Tasks
If you find yourself with some free time on your hands, and have access to the internet, filling out online surveys is a good way of earning some extra cash. They’re easy to complete and many of them take less than ten minutes.
Survey Junkie is a platform that connects consumers with suitable surveys. The surveys you are offered are dependent on your personal circumstances such as your age and location. Sign up is quick and easy, but it is worth taking the extra time to complete the extended profile, as this will increase the number of surveys you are offered.
Survey Junkie offer surveys which center mostly around consumer products and services, so if this is something that interests you, or you would like to offer your insight and potentially influence future consumer goods, Survey Junkie is a great place to find surveys.
As far as survey sites go, KashKick is not considered one of the most widely known. However, KashKick have excellent online reviews and offer good payment rates on a vast range of surveys. Like Survey Junkie, new users are required to complete a preliminary questionnaire to enable KashKick to match you with other suitable surveys.
As with most other survey sites, the highest-paid surveys tend to take the longest time to complete, so how much you earn really depends on how much time you have to spare.
As well as surveys, KashKick offer other money-making opportunities. Rewards are on offer for completing simple online tasks such as watching videos, playing games, and taking short quizzes.
KashKick allows you to make money easily in your spare time by taking online surveys, watching videos, surfing the web, and other simple tasks.
Like KashKick, Idle Empire offers members a range of ways to earn rewards through their website. The difference, however, is that with Idle Empire, instead of rewards being paid in cash or gift cards, the rewards are paid in bitcoin.
Rewards are offered for participating in surveys, watching videos, referring friends, completing offers advertised on the dashboard, taking part in giveaways, as well as many other online tasks and activities.
If you’re interested in mining cryptocurrency, Idle Empire could be a good way to earn some extra bitcoin in your spare time.
With around a billion dollars of property thought to be left unclaimed in the United States, there is a good chance that you have lost assets or money which could be easily claimed back.
MissingMoney allows users to search their local database for property that has been left unclaimed and handed to state governments. If you find property which belongs to you, this can then be reclaimed through missingmoney and returned to you.
Unclaimed property could be uncashed paycheques, unclaimed rental deposits or other capital that has been left unclaimed and handed to state governments.
Missingmoney is easy to navigate and does most of the hard work for you. With such a quick and easy process, it is well worth checking and possibly retrieving some money that is rightfully owed to you.
Unclaimed.org provides a similar service which is run by the National Association of Unclaimed Property Administrators. Simply check through the site’s database for any unclaimed property and recover your lost assets.
If you think you may have property to claim, it is worth checking both Missingmoney and Unclaimed.org, as there is always the chance that one database may pick up assets that the other does not.
Class Action Lawsuits
Class action lawsuits are lawsuits that are often filed against a group or entity such as a government or manufacturer who are accused of producing a defective product, false advertising, discrimination, or any other unlawful practice. These lawsuits are often settled out of court, with the plaintiff or plaintiffs receiving a portion of the settlement sum. In the case of faulty products or inaccurate advertising, the settlements usually consist of full refunds or other benefits.
As a consumer, it is easy to search for open class action settlements and find any which may relate to you or the products you have previously purchased. Sites such as ClassAction.org and Class Action Rebates offer consumers the chance to fill out a straightforward form which is then submitted as a request for compensation.
If you are a current student you may be eligible for extra financial help from the government. Federal Student Aid could provide you with $2000 to help alleviate the financial stress on students and cover some costs. Many people are unaware of this and so the money largely goes unclaimed.
By filling out a Free Application for Federal Student Aid (FAFSA), you will find out whether you qualify for this help. The application takes under an hour and will require you to provide some financial documents such as bank statements and tax returns.
There is often high demand for participants who are willing to take part in clinical trials and many of these trials pay their participants extremely well.
Sites such as trialstoday.org, National Institutes of Health, and clinicaltrials.gov are designed to connect eligible participants with suitable clinical trials, making it very easy to find trials that you qualify for.
It is important to be aware of the risks involved when taking part in any clinical trial and to make an informed decision on whether it is the right choice for you. Should you decide to take part, there is likely to be a range of trials taking place in your area at any given time.
Out of the 45 different money-making opportunities detailed in this list, there is bound to be one to suit you.
More and more people are recognizing the value of a second income or income that is generated passively and with minimal effort or cost required. By looking into some of these methods, you might just find the right fit for you in terms of quick and easy money-making opportunities.