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For those looking to make money in an accessible way, apps offer countless options to consider. You can use your smartphone to complete surveys, do part-time jobs, sell unwanted items, and more.

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Here’s a review of seven free money-making apps. Apps with at least four stars and 25,000 reviews on Google Play and the iOS App Store.

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How it works: With Ibotta, you can earn cash back on your in-store and online purchases at over 2,000 supported retailers. What started as a grocery store has expanded into clothing, entertainment and dining, pet supplies and more. Offers can be product or merchant specific – some are automatically applied. For others, you need to complete an additional task, such as watching a video or taking a poll.

There are three ways to earn cash at the store: add offers in the app after purchase and submit your receipt (you have 7 days to submit your receipt through the app), link a retailer loyalty account, or buy a gift for the retailer by swiping the Ibotta App. . When shopping online, you can shop through the app or through the Ibotta browser extension on your computer.

Advantages: You get cash back quickly – usually within 24 hours – after shopping in the store. Ibotta also offers welcome bonuses, referral bonuses, and various payment methods for new users.

Cons: Earning money can be a slow process. You must earn at least $20 in cash back to redeem earnings (certain gift cards require at least $25 in earnings). For online purchases, the waiting time for cash back varies by retailer. Ibotta also charges an account maintenance fee for inactive (6 months of no activity) or deactivated accounts. The fee is charged to your balance, not your bank account.

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How it works: Rakuten (formerly Ebates) rewards shoppers with cash back on purchases from top retailers, restaurants and grocery delivery services. Users can also earn cash back on travel, gift cards and more. It’s easy: create an account, tap the store you want to shop from in the app, and complete the transaction through the portal. You can also link a credit or debit card to your Rakuten account to receive cash in-store – as long as you activate the transaction through the app first. Rakuten credits the cash to your account after confirming the purchase with the merchant, which it says can take anywhere from a few hours to a few days.

Pros: Thousands of stores and purchases qualify for cash back, so you’re likely to find a store you already shop at. New users receive a $10 welcome bonus after their first eligible purchase. You also get signup and referral bonuses. You can impact your cash back earnings by donating a portion to a nonprofit partner.

Cons: Like most cashback services, you have to spend money to earn money. Also, you won’t see your earnings right away; Rakuten will send payouts every three months according to the company’s payment schedule, and you’ll need a cashback balance of at least $5 to cash out. Unlike other apps like Ibotta, you have to start shopping in the app first. If you forget and make an in-app purchase, you won’t get a retroactive credit.

How it works: Swagbucks is a cashback and rewards app. You can earn points, called “SBs,” by shopping online (with 1,500 participating merchants), taking surveys, watching videos, playing games, or completing other tasks with Swagbucks. You can redeem these points for gift cards or cash back to your PayPal account. The total score may vary from task to task. For example, each survey is usually worth 40-200 SB points. The minimum balance required to redeem depends on the payment method you choose, but some gift cards have a minimum balance of 110 SB.

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Payment method: eGift Card or PayPal. You can also convert SB to Bitcoin with the new Cryptovoucher gift card option.

Pros: Swagbucks offers a number of easy ways to earn rewards without waiting to cash out. Payments usually arrive within 10 business days of redemption. You’ll also get a $10 bonus when you join on eligible purchases of $25.

Cons: Not much income; an SB is worth about a penny. Since many tasks are of low value, it can take a lot of time and effort to get big money. Also, you won’t be eligible for every survey or task, but if users don’t qualify, they can earn up to 5 SB per day. Users often report being kicked out of surveys while they are in progress. According to Swagbucks, this could be due to demographics or unfair or inconsistent responses.

How it works: Fiverr is a freelance marketplace that offers gigs in over 200 categories like programming, video, and animation. Start by creating an account and then set up your profile as a “seller” that highlights your expertise. Post the gig you are offering, including prices and description of services. Prices range from $5 to $995. Customers, also known as “buyers”, can click and place an order. Once the job is done, you get paid. Fiverr assigns seller ranks based on performance. As you move up each level, you’ll be able to sell more “extras” such as faster turnaround times.

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Payment methods: PayPal, direct deposit to bank account or deposit to Fiverr Revenue Card (prepaid card). The minimum withdrawal amount varies, and depending on the option you choose, we may charge a withdrawal fee.

Pros: You don’t have to worry about finding customers because they come to you. You also get tips. Fiverr also prides itself on its flexibility, allowing sellers to work gigs on their own time or around their 9-5 jobs.

Cons: Fiverr takes 20% of earnings per gig, including tip, and has a standard 14-day waiting period for payouts after an order is fulfilled (top sellers wait 7 days to clear).

How it works: Upwork connects freelancers in the marketplace with jobs in writing, design, marketing, and other categories. First, it creates a configuration file. It should include information such as your interests, qualifications, availability and desired rate. You can then submit your offer. If it looks good, the client reviews and hands over the project.

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At the beginning of each month, you earn a certain number of “connections” that act as points and allow you to connect with potential customers. You can earn or pay a small fee to get more connections, but you don’t have to pay when customers contact you. You can get paid by the hour or by project.

Payment: Direct to Bank of America, direct to your bank account, bank transfer, instant payment, PayPal and Payoneer. Some payment methods have fees, so be sure to check Upwork for details.

Pros: Upwork makes it easy to find clients, build relationships, and get paid. The service gives you the flexibility to set the rate and schedule you want.

Cons: The app is free to download, but you have to pay a fee to connect with a large number of clients. Users must also pay a service fee. Labor accounts for 5-20% of revenue based on fees charged to clients. The more you earn, the more you can keep. However, payment is only made within 10 days of the end of the billing cycle. Also, remember that you are competing with other freelancers on the platform. This means that customers are likely to choose those who set a lower interest rate.

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How it works: OfferUp combines with rival Letgo in 2020 to act as a local marketplace where you can sell your stuff. If you want to reach a wider audience, OfferUp also allows shipping within the continental United States. Create an account and take a photo of your smartphone, car, sofa or anything you want to sell. After adding a title, description and price, you can publish your details and chat with customers directly from the app. After that, you send it to the buyer or make an appointment with him.

Payments: OfferUp advises sellers to collect cash from buyers and avoid accepting checks, cashier’s checks, or payments through other apps.

Pros: You can create listings quickly and easily, and when you make a cash sale, you get paid immediately. You can also check the reviews and ratings of potential buyers to get a preliminary idea of ​​their reliability. If you deliver the product, the customer pays and OfferUp provides the label.

Cons: You are responsible for meeting local customers face-to-face and handling transactions. Sellers must pay a 12.9% service fee or a minimum of $1.99 on shipments. to

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