MakeHow to Make Money from Your Phone

How to Make Money from Your Phone

We show you how to make money with your smartphone with these free mobile apps. Check out these mobile apps to make extra cash.

Often times, a few hundreds dollars can really help you out — if you need money quickly. During these moments, your ability to make money fast in a day can make all the difference.

According to a report from PewResearch, 15% of adults report that they personally were laid off or lost their jobs because of the coronavirus outbreak.

Of those, one-third say they have returned to the job they had before the outbreak, while 15% are working at a different job. Half say they are currently not employed.

More than ever it is important to find ways to make extra money. But it is difficult to find ways to make hundreds of dollars within a day AND get access to the money immediately.

But not anymore, there are real ways to make money with your smartphone so that you can get rent paid, bills paid, and help with debt payments.

In this article, I’ll show you how to make money with your smartphone with these free mobile apps.

Check out these mobile apps to put some extra cash in your pockets. I’m serious.

Banking bonuses

One of the easiest ways to make $100 fast or sometimes even more is simply by claiming banking offers. Most of the new online banks are fighting for customers, and you win since they offer lucrative sign-up bonuses. These offers are too good to pass up.

1. Chime

Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, they do things differently. Instead of charging you an overdraft fee, they allow you to overdraft up to $200 with no fees. So if you need to pay for something but don’t have any money, you can still buy it with Chime SpotMe covering you.

2. Aspiration

Want to get spotted a free $150 without having to take out a personal loan or worse, payday loan? Simply sign up for Aspiration, and the free banking app will make you $150 richer just for opening an Aspiration Spend and Save account.

Just spend at least $1,000 in cumulative transactions (utilities + groceries) within 60 days of opening an account and you’ll get that $150 in your account. There’s no catch. This bank account is legit and only takes two minutes to sign up for an account.

Now you can get some beer money at any time — for free! You didn’t have to do anything, other than originally sign up for AspirationIt’s as simple as that.

3. Empower

Empower is an app designed for today’s generation. No matter what lies ahead, they’ll help you thrive. By downloading the app you can get a cash advance of up to $250 when you need it most, and save for your future.

get paid today

You can count on them to have your back and get a cash advance up to $250 directly to your account. No applications, no interest or late fees, no credit checks or credit risk. You just pay them back automatically when you receive your next direct deposit. There’s no catch. It’s that simple.

4. Sofi Money

Want to get spotted a $150 for free? Get up to $150 with SoFi Money this holiday season when you set up direct deposit and start spending. Simply sign up for SoFi Money, and the free banking app will give you cash for free, you just relax while it gives you $150 just for opening a new debit card.

There’s no catch and totally free. The good thing SoFi Money doesn’t have any account fees, monthly fees, or many other common types of fees. This bank account is legit and only takes two minutes to sign up for an account.

Here are some other offers to consider:


aspiration logo

Aspiration 5.0/51.00%Currently offering a $150 welcome bonus

Learn More

chime logo Chime5.0/50.50%Get $200 with SpotMe

Learn More

sofi invest logo

SoFi 5.0/50.25%Get paid up to 2 days early with direct deposit

Learn More

unifimoney logo Unifimoney 5.0/5 0.20%New users can get up to a $5,000 Bitcoin welcome bonus

Learn More

Get free bitcoin

Which one of you wants to grab your hands on free bitcoins? If you want to know about apps that pay you bitcoin and other cryptocurrencies then you should know about these apps to earn bitcoin for free.

5. Unifimoney

Unifimoney is the premium digital money management platform – banking, investing, insurance, credit and more – that makes building and protecting your wealth effortless.

Deposit between $1,000 and $100,000 within 14 days of opening your account to receive free Bitcoin. You can see the chart below for tiers for how much you need to deposit and how much free Bitcoin you stand to make.


Within 14 days of qualifying, you will get your free Bitcoin reward. There’s no catch. Just sign up, deposit at least $1,000 to get free Bitcoin. If you are interested, I suggest you sign up for more information from Unifimoney.

Our Pick
Unifimoney | Get Up to $5,000 in Bitcoin

Unifimoney is an investment and money management app built to simplify, diversify and unify your money management.


6. BlockFi

You can receive up to $250 in Bitcoin when you make a qualifying deposit at BlockFi. BlockFi is the first and only interest-earning crypto account. You can receive up to 8.6% annually on your crypto here and join the most trusted financial services for crypto investors on the market.

BlockFi is a simple and secure platform that bridges the gap between cryptocurrency and traditional finance, giving you a new way to grow wealth. BlockFi offers interest-earning cryptocurrency accounts with some of the highest rates available.

There’s no catch, no minimum balance requirements to earn interest, and you can withdraw anytime. You can fund your BlockFi account directly from your crypto wallet or from your bank account with wire transfer

If you’re interested, I recommend you sign up for more information from BlockFi by clicking here.

7. Bitcoin Rewards Upgrade Card

The Upgrade Bitcoin Rewards Card is a classic Visa credit card that works across the Visa network. But you get 1.5% in bitcoin rewards when you make payments.

Upgrade isn’t the first company to announce a credit card with Bitcoin rewards — but it’s the first one that is generally available. If your application is approved, you can start using the virtual card immediately.

With the Upgrade Bitcoin Rewards Card, the company offers credit lines from $500 to $25,000 depending on your credit score. It works with Apple Pay and Google Pay. Like other Upgrade credit cards, there are no monthly fees, late fees or returned payment fees.

Essentially, this new card works pretty much like Upgrade’s existing credit card. But instead of getting 1.5% cash back on all purchases, you get 1.5% back in Bitcoin — there’s no specific category, no partner retailer, no point system. It’s a straightforward, uncapped cash back program so you can earn free Bitcoin.

Bitcoin Rewards Upgrade Card

You can earn an unlimited 1.5% back in Bitcoin on payments and get affordable monthly payments with no annual fee. You can use this card wherever Visa® is accepted.


Shopping gigs

The easiest approach to earn money with your smartphone is, of course, to go shopping as you would normally do. Except, these apps that pay you just for doing that.

8. Fetch Rewards

The Fetch Rewards app makes it super easy to save money on grocery purchases by letting you send over just a picture of the receipt. Your account will automatically be eligible for the offer on the sent receipt. This works for any type of grocery receipt which makes this a very useful app. You can cash out your points for free gift cards instantly.

9. Paribus

Paribus is an interesting take on something that we all have experienced – the sudden price drop after you’ve just bought something. While this can be heartbreaking especially if the product is expensive, this website alerts to price drops. You can use this information to claim refunds from the vendors themselves.

10. Truebill

One thing that I’ve found is that the easiest way to get more money is simply by saving more. But most people are used to their standard of living, so it can be hard. That’s why I was pleasantly surprised to learn about a new app called Truebill that automatically lowers your bills and cancels forgotten subscriptions.

Within a week of using it, I saved $230.34 and it’s very common among users to save even more. In fact, this free app has saved its users over $15M to date! If you wanted to see if they can lower your bills, download it for free here.

11. Rakuten

You’d be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online and using coupons with Rakuten.

Rakuten is my favorite way to make money when I shop online and right now they are offering a $10 sign up bonus through this link. Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

12. Trim

Trim claims they can negotiate lower prices on your monthly bills to save you time, money and hassle. We all pretty much know basic ways to save money like checking for cable alternatives or getting free internet, so is Trim worth it?

We’ve found that Trim has an 85% success rate negotiating bills for Cable TV, Wireless Phone, Satellite TV, Internet Access, Satellite Radio, and Home Security.

13. Ibotta

It may be hard to believe, but Ibotta pays you for going shopping. No, really, it does! The app presents you with a list of offers currently available on a wide range of products, from food to drinks all the way through to cleaning products. The average Ibotta user earns $150 a year on groceries, online purchases, delivery, and more. Register for the free Ibotta browser extension and app today to start saving.

More side hustles from your phone

Let’s be honest, shall we? Many of the applications you download and use won’t make you rich.

Easy money isn’t going to take the place of your full-time job or allow you to make ends meet with a part-time income. The good news is that there are several ways for you to generate some safe cash by using your phone to find side hustles.

Here are some side hustle ideas to help you make the most of your smartphone.

14. DoorDash (and Instacart)

Want to make money fast in the next few days just by delivering food around your city? There are lucrative gig economy apps for those who want to make some extra cash without compromising their time.

With delivery apps, you’ll pick and deliver the items that customers want from grocery stores or restaurants and get paid for it. There’s no set hours with delivery apps like DoorDash and Instacart.

Just open the apps and shop whenever it works for you. With Instant Cashout, you can opt to have your pay immediately transferred to a debit card. Or you can just get your earnings deposited to your bank account weekly.

Ready to shop, earn, and be a household hero for the people in your community? DoorDash and Instacart are the best apps to use to earn money in the gig economy by cashing in on the food delivery boom.

15. HyreCar

HyreCar is the leading carsharing marketplace where rideshare, food, grocery, and package delivery drivers can rent vehicles to drive and start earning income with gig services like Uber/Lyft, Postmates, Instacart, Shipt, and Amazon Flex, etc. You can definitely make some side income by using HyreCar and using different gig services to make money fast.

16. Rover

You can get paid a decent hourly rate for taking care of other people’s pets in a fun way. Oftentimes pet owners will big the big bucks to guarantee that their animals are taken care of. If you don’t want to find pet sitting or dog walker gigs, you can put up fliers or take to Facebook marketplace to advertise your services.

Or you can use a free side hustle app called Rover who will connect you to pet owners who need these services. You can likely rack up the big bucks this month if you grind it out on Rover.


You can become a home sitter on and earn from $10-25/hr being a responsible housekeeper or house sitter. This is a perfect side hustle to pull off that allows you to earn money while on the job. While you’re house sitting you could also bring along your laptop and find more ways to earn online or even on your phone.

18. Turo

If there was ever a job for introverts, it would be this one. Did you know that you can rent out your car when you’re not using it? And that you can bring in a lot of extra cash in your wallet by doing so? Do you plan on heading on a vacation soon while your car sits unused at your home? Do you sometimes not use your car on the weekends?  If so, renting out your car while you’re not using it could be an easy way to make passive income.

A well-known company, Turo which has signed up nearly 5 million users to its website, according to Bloomberg, lets you do just that. It’s also really simple to do (and free). Listing your car is quick and easy and takes less than 10 minutes to set up. According to a recent Turo review, somebody listed their car for 5 days every month and made $3,496 in a year.  Sounds pretty good to me. Oh, and they also protect your car against physical damage, so you’re fully covered. You can sign up here and start making money with your car.

19. Decluttr

Do you have a bunch of junk lying around that you would rather sell? But don’t want to list them on Craigslist, Bookscouter or OfferUp?

If you just want straight-up cash you can use Decluttr — just use the app to scan the barcode and you’ll get a cash offer. Decluttr pays you for stuff you no longer need or are willing to sell. They pay more for electronics, but you can sell anything from cds, dvds, books, games, smartphones, and even LEGOs! Need to make make money without a job? Time to Decluttr.

Focus group and opinion survey gigs

It may not be particularly thrilling, but completing online surveys might help you earn some extra money. Not only that, but if you’re part of a focus group or participate in other activities that aid marketers better understand their customers, you could make even more money.

20. Nielsen Mobile

Are you interested in learning about downloading an app and getting paid $50 each and every year from now on? Listen up. Nielsen Computer & Mobile Panel is a company that’s been around for decades and they are paying people to help them learn about consumers.

All you have to do is install a non-invasive app and you’re getting paid $50 each year. The app will anonymously collect data from you, but every app already does that anyway and now you can get paid for it. A no brainer.

Best for: passive income
Nielsen Mobile Panel
Cost: free

By participating in Nielsen research, you can improve products and services you use online today. Nielsen Computer and Mobile Panel combines your unique internet usage with people like you to build a picture of internet behavior.


21. Swagbucks

If you’re waiting for your next payday but want to get paid today then sign up for Swagbucks. They are a legit top rewards site and pay you for searching the web, shopping, discovering content online, watching videos and taking fun, top-paying surveys.

They offer a free $10 welcome bonus when you sign up. Simply sign up and get started today by choosing the highest paying surveys that pay up to $5 each and take less than 10 min to complete.

22. InboxDollars

InboxDollars is another survey-based app that offers attractive rewards for taking surveys. They pay out real cash after you complete watching videos or taking surveys.

They have great reviews from their customers and look like they revert with payments quickly. An award-winning company, they have paid out $57 million in cash rewards so far.


InboxDollars is a legitimate way to make extra money online. It's been around for 20 years, and the company says it's paid its members more than $59 million since 2000.


23. Survey Junkie

So, let me preface by saying I’m not a fan of wasting my time taking boring surveys. But this one of the best ways to make money on your phone, quickly. Survey Junkie lets you get paid for taking online surveys from brands you use every day.

You can also participate in focus groups, try new products (free stuff, yay!) and get paid to listen to new music. This is one legit survey company, and you can get started with a registration bonus here.

24. Branded Surveys

Branded Surveys is another survey app for which you can get rewarded cash either through checks or PayPal or free gift cards. You can get matched up with big tech companies that need opinions on their electronics in exchange for free Amazon gift cards or Walmart gift cards.

This website is also optimized for mobile platforms so you can take surveys on the move. They have great reviews with Trustpilot and have paid our close to $7 million to customers already.

Game Apps

Do you want an easy way to help you earn money fast without leaving your apartment? Heck, even if you’re in a waiting room or standing in line, you can pass the time while making money. You love playing online games. Why not make a few dollars at it?

If you sign up for game apps like Lucktastic, Swagbucks or Mistplay you can check out the games library and start earning. You can make up to $100-400 of rewards per month on gaming apps. Here are some of my favorites gaming apps that really pay out.

25. Mistplay

Instead of wasting time playing games and not being productive, now you can get paid to do it – win-win! Getting paid to play games on your phone sounds like a dream, but Miistplay really pays you to play games.

It’s a legit app with 41,124+ positive reviews in the Google Play Store. Sound like fun? You can download it from the Google Play Store here, and start playing free games for cash rewards.

26. Blackout Bingo

Historically, Bingo was a game of chance. If you were lucky enough to have the right card, you’d win.

Now with Blackout Bingo – you are in control of how much you can make with this game app. This app is easy to use, everyone playing sees the same balls and cards. It takes concentration, speed, and strategy to become a bingo master.

Games only take about 2 minutes to play, so players can pick up and play whenever they like. If you wanted to try it out, you can compete for cash prizes as well. Blackout Bingo is one of the best game apps that pay real money.

Best for playing bingo for money
Blackout Bingo

Over 5 Million players agree Blackout Bingo is the fresh, social competitive twist to the classic game where you can win real world rewards and cash prizes (where available).


27. Lucktastic

Lucktastic is an Android app that offers earning opportunities for you but with a twist – you are actually able to make hundreds of dollars (with some luck).

The app offers free digital scratch-offs that you can try each day to earn some extra cash. You can win up to $10,000 instantly and enter contests every day. With over 1,000,000 winners to date, you could be next.

Passive income apps

Now a more lucrative way to earn money with your smarttphone is through passive income apps. These are more investing oriented, so you’ll have your money make you money.

28. Fundrise

Fundrise is a real, much better and desirable alternative to stock market investment. With Fundrise, you deal in the private real estate market that allows you to invest just like the super successful institutions. You don’t have to be a millionaire to invest in these types of properties. You can now invest in large-scale real estate for as little as $500 with Fundrise.

Through their real estate investment products, investors earned an average of 8.7 – 12.4 percent on their money last year, and all without painting a wall or dealing with unruly tenants. There is a reason why they currently have over 200,000+ users, this app really pays you! If you’re interested, I recommend you sign up for more information from Fundrise by clicking here.

29. Atom Finance

It’s no secret that investing money can help you make build wealth. But what stocks should you invest in? What companies are worth checking out? For me, I use Atom Finance which is a free investment research platform that puts institutional-quality tools and resources in the hands of the everyday investor.

Atom Finance can help you invest smarter. It has all the investment research tools you need in one platform, including institutional-quality resources that were once only available to Wall Street professionals. Definitely a must-have (and free to download) if you want to use investing to help you make money fast or day-trade.

30. Robinhood

Are you ready to say goodbye to fees for when you buy and sell stocks and hello to commission-free trades?

That’s right, Robinhood lets you do everything for free and takes no fees — ever.

Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link.

They are also offering a free stock promotion and you don’t even have to deposit any money to receive the stock.

Just sign up and wait a few days for it to show up in your app. You can also cash out immediately and transfer the funds to your bank account — if you wanted to.

If you wanted to learn you can sign up for information from Robinhood through here.

Final thoughts on how to make money on your phone

In the end, it all comes down to how you utilize your time and what you make of the situation.

Pay close attention to the activities that provide you the most return for your time. Combine various techniques to increase outcomes, as well as attempting to utilize multiple applications to make more money from your side hustles, if possible.

It’s also important to remember that it isn’t always about making a lot of money. It’s something if you can earn a five-dollar profit while waiting in line at the grocery store. After all, you wouldn’t have earned that money any other way.

It’s also money that you wouldn’t have been able to use toward your education or any other debt.

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Brian Meiggs
Founder of Smarts, Brian is an entrepreneur and investor who enjoys working out, reading, spending time with his family and friends, playing chess, traveling and creating great content. He’s passionate about helping others make smarter money moves and achieve financial freedom. He uses the free Personal Capital app to manage his cash flow and net worth.


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