Look, I'm not gonna sugarcoat this: 95% of “money making apps” are complete trash. They'll waste your time for pennies, have impossible cashout thresholds, or straight-up don't pay.
I spent 8 months downloading every app Reddit recommended, every app that promised “easy money,” every app with those cringe TikToks showing people cashing out thousands. Most were lies.
But a few actually delivered. Not life-changing money, but legit $300 to $500 a month that I now make while binge-watching shows or sitting in waiting rooms. Here's everything that worked, organized by how much effort they actually take. Real numbers, real cashouts, no affiliate BS where I pretend everything's amazing.
Tier 1: Best Overall (Use These First)
1. Swagbucks
⭐ $10 Free BonusThis is the one everyone should start with. Multiple ways to earn (surveys, videos, shopping), it actually pays out, and the $10 bonus is instant. I run their videos passively on a second monitor while working (makes $3 to $5 a day without thinking), do 1 to 2 surveys during lunch ($5 to $10), and use their shopping portal for Amazon and Target purchases. I made $215 last month just having it open while I work.
2. Survey Junkie
Highest $/HourIf you only have 30 minutes a day for this stuff, spend it here. Highest paying surveys I've found ($3 to $50 each), clean interface, direct PayPal, no BS. Last week I got a $45 survey about streaming habits that took 30 minutes, which works out to $90 an hour. Most surveys are $3 to $5 and take 5 to 10 minutes, still way better than apps paying $0.50 for 20 minutes.
3. Freecash
Fastest CashoutWant money right now? This is it. Hit $5 and cash out to PayPal in literally 2 minutes. Tasks pay $2 to $8 for downloading apps, quick surveys, and sign-ups. The first time I hit $5 I tested the cashout and the money was in my PayPal in 2 minutes. No “processing,” no “allow 5 to 7 business days,” just instant money. The really high-paying offers ($20+) take time, but the quick wins are everywhere.
4. Bigcash
$15 Sign-Up BonusBigcash has over 3,000 app testing offers live right now, with new ones dropping daily. Download a shopping app, play a mobile game to level 10, test a fitness tracker. The standard offers pay $3 to $15, but the premium tasks hit $50 to $170 when you complete bigger milestones. You get the $15 bonus immediately after your first cashout, and the $1 minimum means you can withdraw within 30 minutes of starting. What separates this from every other testing app is their support team actually responds in under 12 hours when offers don't track.
5. Branded (Seen on CBS)
$100+ Per TaskBranded pays you real money to test new games, apps, and complete simple tasks on your phone. Sign up, choose from available offers (like testing a game to level 5), and get paid when you complete them. The more you use it, the more high-paying tasks unlock.
6. Testerup
$50+ Per TaskTesterup lets you earn real money as an online tester. Get paid to test new games, apps, and complete simple tasks on your phone. Sign up, choose from available offers (like downloading a free app), and get paid when you complete them. The more you use it, the more high-paying tasks unlock.
Tier 2: Passive Money (Minimal Effort)
7. Upside
Gas MoneyGet 15 to 25 cents back per gallon on gas. It also works at grocery stores and restaurants, and you cash out to PayPal. If you drive, this is a no-brainer. I fill up weekly at around 15 gallons, so at 20 cents a gallon that's $3 per fillup, $12 a week, $48 a month just on gas. Plus I've gotten $18 back at Chipotle and $12 at the grocery store.
8. Nielsen Mobile Panel
True PassiveInstall the app, forget about it, get $60 a year. That's literally it, plus a monthly $10,000 sweepstakes. This is the definition of passive income. It tracks your internet usage anonymously for market research, runs in the background, and you never notice it. I've had it for 2 years, made $120, and never thought about it once.
Tier 3: Gaming Apps (Fun + Money)
9. Mistplay
Play Games, Get PaidPlay mobile games through their app, earn points, and redeem for Amazon, Visa, and other gift cards. If you're already playing mobile games, you might as well get paid. I play puzzle games while watching Netflix anyway, and with Mistplay I'm earning $50 to $75 a month doing it. Not getting rich, but it's free money for something I'd do regardless.
Tier 4: Grind Mode (Actual Work, Actual Money)
10. DoorDash
$18 to $25/HourDeliver food, make actual money. It's not passive, but it's the highest-earning option on this list, and you work your own hours. This isn't an app you use while watching TV, it's actual work, but it pays way more than any survey app ever will. Most drivers make $800 to $1,200 a month working 20 to 30 hours. Pro tip: run DoorDash and Uber Eats at the same time and accept whichever order pays better.
11. Uber Eats
Instant PaySame as DoorDash but with instant cash-out. The smart move is to sign up for both, run both apps at once, and take whichever order pays better first. That minimizes downtime and maximizes earnings. Same catch as DoorDash though: this is actual work and you need a car or bike. But the instant pay is clutch.
The Rest (Still Good, Just Not Top Tier)
InboxDollars ($285 in 3 months) – Similar to Swagbucks but pays actual dollars instead of points. $5 instant bonus. Try it →
KashKick ($145 in 2 months) – Surveys plus app offers. Direct PayPal. Good supplement to Survey Junkie. Try it →
Solitaire Cash ($110 in 2 months) – Competitive solitaire for cash. Skill-based matching. If you're fast at solitaire, easy money. Try it →
Fundrise ($10 bonus) – Real estate investing starting at $10. Passive income play. Start investing →
My Actual Setup (What I Use Daily)
Morning (5 min):
- Open Swagbucks, start videos running
- Check Survey Junkie for new surveys
- Knock out a Bigcash offer or two
Lunch (10-15 min):
- Do 1-2 Survey Junkie surveys
- Check Freecash for quick offers
Evening (5 min):
- Cash out anything that hit threshold
- Play Mistplay games while watching TV
Monthly result: $400 to $550 for ~15-20 hours total
Apps I Tried That SUCKED
Gotta keep it real. These apps are trash, don't waste your time:
- Anything with $100 minimum cashout – You'll never reach it. Designed to make you give up.
- “Watch ads” apps that pay 1 cent per ad – You'll earn $0.30 an hour. Insulting.
- Pyramid scheme apps – If they want you to recruit friends to make real money, it's an MLM. Run.
- “Get paid to walk” apps – You'll earn a fraction of a cent per step. Waste of phone battery.
- Apps requiring credit cards for “free trials” – They'll charge you, make canceling impossible, and you'll spend more than you earn.
FAQ (Real Answers Only)
Q: Can I actually make $100 a day with these?
A: No. Anyone saying that is lying. Realistic is $15 to $30 a day with survey and task apps, or $80 to $120 a day if you do DoorDash or Uber Eats full-time.
Q: What's the fastest money?
A: Freecash. You can hit $5 and cash out to PayPal in under an hour your first day.
Q: What's the most money?
A: DoorDash or Uber Eats. But that's actual work. For passive-ish money, the Swagbucks plus Survey Junkie combo.
Q: Do I need to use my real info?
A: Yes. These are legitimate companies that pay out millions. They verify identities. Don't try to game the system with fake info.
Q: Are these scams?
A: The ones I listed? No. I've been paid by all of them. But 95% of apps out there are scams. Stick to this list.
Final Thoughts
This isn't gonna replace your job. You're not gonna get rich. But an extra $300 to $500 a month for stuff you'd do anyway (scroll your phone, watch TV, drive around)?
Yeah, I'll take that.
Start here:
- Download Swagbucks (get $10 bonus)
- Sign up for Survey Junkie (best $/hr)
- Install Bigcash ($15 bonus, app testing)
- Get Freecash (instant cashouts)
Use these four consistently for a month. See what you make. Then decide if you want to add more or go harder with delivery apps.
That's it. No fluff. Just apps that actually paid me. Good luck.
One more thing: I keep a running list of all the best ways to make money from your phone – apps I've actually used and recommend. Check out the full list here.