Mobile Development
10 min. read


20 Top Money-Earning Apps of 2022

20 Top Money-Earning Apps of 2022



Nowadays, almost everyone uses smartphones and various applications, including games or puzzles. Usually, we use them to make our time pass and to compete with friends. But what if I tell you that you can get paid while playing and performing various activities in the game? Scam or not?

Well, until some time, some programs offered cash rewards for specific activities in a game or other application, but in the end, nothing was awarded. Fortunately, this has changed with the entry into this business of many well-known companies that better validate the award process.

By downloading money-making apps for your Android or iPhone, you can earn cash prizes in your spare time by playing online games.

If you are interested in monetizing applications, you will surely be interested in our article "How to monetize mobile apps?" in which we explored this topic and explained what it depends on.

The following mobile apps and mobile sites pay you to perform various duties, including playing games, delivering food, shopping online and in the store, completing surveys, exercising, pet sitting, and doing freelance work for other people without their consent or knowledge.

The following mobile apps and mobile sites pay you to perform various duties, including playing games, delivering food, shopping online and in the store, completing surveys, exercising, pet sitting, and doing freelance work for other people without their consent or knowledge.

20 Best Money-Making Apps

Many applications of this type exist on the App Store or the Google Play Store. But which are the most beneficial and the safest? These are the safest and highest-paying apps of 2022.



Creating an account with Rakuten (formerly known as Ebates) rewards shoppers with cash back on purchases from stores, restaurants, and food delivery services. Users can also earn cash back on travel expenses, gift cards, and more. To do this: create an account, tap on the store where shopping will be done in the app available, then make transactions through the portal provided.

You can link a credit or debit card to your Rakuten account to earn cash back on any future purchases made in-store. Still, you must remember to activate the deal through the app first. Once you've made your purchase, Rakuten will confirm it with the retailer and then credit the cashback to your account, which usually happens within a few hours but could take up to several days.

Google Opinion Rewards

Google Opinion Rewards is a money-making app that allows users to take paid surveys. The registration process for this application is quick and easy, meaning anyone can sign up and start earning more money with little effort required.

After you install the app, create an account and enroll as a user to start earning Google Play Credit. This application gives users money-making opportunities by completing surveys after sign-up is finished. By simply answering basic questions, you now have a chance to earn money through this app!


With this app, you'll get alerts notifying you when paid surveys are available that fit your qualifications. You can set up your profile in advance and receive notifications for all eligible surveys. In addition to taking surveys, you can also participate in product reviews, secretive shopping trips, or ad tests, all of which come with rewards that can be redeemed at the iPoll online store.



Fiverr is a freelancing marketplace with gigs in over 200 categories, such as programming, video, and animation. Create an account and set your profile to "seller," highlighting your expertise to get started.

Next, post the gig you're offering, including pricing and a description of your services. Pricing ranges from $5 to $995 per gig.

Then, buyers can click through and place orders for their needed services. Once you complete the job, Fiverr will pay you for your work. In addition, Fiverr assigns levels to sellers based on performance, which comes with rewards like selling more "extras" or offering faster delivery times.


Did you know that some items you buy may be entitled to a price protection policy? It means that if the cost falls within a specific period after your purchase, you will receive your money back.

Earny links up to your credit cards so it can search for any price drops and refunds due to you automatically. The app keeps 25% of the refunds as its fee, but this is free cash we are talking about here, so it's worth looking into!



Public is a social investing app that helps improve your financial literacy by letting you invest with friends. Public offer fractional shares of thousands of public companies and ETFs, so anyone can create a portfolio no matter the size of their budget.

Public offers numerous opportunities for members to receive complimentary slices of stock (worth up to $10) by referring their friends. Similar to other apps, each Public member has an exclusive share link.

With Public, you can not only share your trades outside of the app but also on platforms such as Instagram stories. And when you do this successfully, and friends join and are approved, you earn free stock! You read that correctly- simply by chatting with groups of friends on the app, you have opportunities to rack up free stocks. The more people who join because of YOU, the more slices (free stocks) you earn.



Robinhood is an investing app that allows you to buy stocks without trading costs. One great thing about the app is that you can invest in partial shares of stock. So, if you only have $20 to invest, you can still own part of Google!

Robinhood is a great way to get started in investing, and when you sign up, you have the chance to earn a free share of stock. The value of this share can be anywhere from $2.50 to $200, although it's usually on the lower end.

Capital One Shopping

Capital One Shopping is one of the best apps for saving money and making money. It helps you find better deals and rewards, so it's a win-win!

You can save money on products you already purchase by using our platform. A penny saved is a penny earned, so saving money is just as good as making it.

Capital One Shopping has a gallery of websites that sell products and their prices. By downloading the app onto your browser, Capital One Shopping can make price comparisons for the product you have in mind. You can also use the phone app to scan the barcodes of products in stores and find retailers near you selling them at a lower cost.



The Poshmark app is ideal for selling clothes, accessories, and home decor. After signing up and taking or uploading photos of your item, you fill out a description, price it and share the listing. You can also feature items in the app's "Posh Parties," virtual shopping events focused on particular brands, categories, or themes. Once a purchase is made, Poshmark emails you a prepaid and pre-addressed shipping label (for USPS).


MyPoints is a popular rewards site that has been around since 1996. It allows users to accumulate virtual points, which can then be redeemed for prizes or cash. There are over 75 retail and restaurant partners that you can choose from when redeeming your points. You can also opt to get an Amazon gift card instead. For more information, check out our full MyPoints review here.

Worthy Bonds

With Worthy Bonds, you'll earn a fixed rate of return of 5%. The best part is that the cost per bond is only $10. You can buy as many bonds as possible, and interest will accrue weekly. Although bonds have a 36-month term, they can be cashed out at any time without penalty. Click here to learn more about Worthy Bonds or read our full review.



Swagbucks gives cashback and rewards just by doing what you already do online, like shopping, taking surveys, watching videos, playing games, and more. You can redeem your earned points for gift cards or get free money sent to your PayPal account. The point value of each task varies--surveys are usually worth 40 to 200 SB points each. And no minimum balance is required to redeem, depending on your payout option! For example, some gift cards only require 110 SB, which is super easy to earn.

Money Machine

This app is similar to others focusing on surveys, and lets you earn money by watching videos and completing other small online tasks. It will notify you when offers are available, so you can meet them and transfer the rewards to your PayPal or bank account as cash.

Offer Up

Offer Up

OfferUp, now combined with Letgo as of 2020, is a local marketplace you can use to sell your belongings. OfferUp allows shipping within the continental United States if you wish to reach more people. To start selling, create an account and take a picture of what you want to part ways with, whether that be your smartphone, car, or sofa. Afterward, add a title along with a description and price, then post your listing. You'll be able to chat directly with buyers through the app, and once secure arrangements have been made for pick-up or delivery - voila!


This book app is perfect for anyone looking to get rid of old books, make money off their used college textbooks, or find potentially valuable used books at garage sales and thrift stores. You have to use your phone's camera to snap a picture of the book's ISBN, and you'll see what it's worth online. You can even use the app to create a shipping label for the books you send to Bookscouter.


If you're looking to save on your next shopping trip, use Ibotta! With cashback rebates or points for buying from your favorite brands, you can earn money while doing your regular shopping. You can also link store loyalty cards to the app or send receipts after shopping to make even more. When it's time to cash in, you can choose between PayPal, Venmo, or gift cards.


Not only does this app let you make money from your smartphone photos, but it also gamifies the process to keep things fun. You'll earn points and level up as you provide businesses with high-quality photos. In addition to creating a portfolio within the app, you can share your pictures with anyone you want and receive notifications about requests that fit your skill set.



Like with Uber, Lyft drivers have to pass an application process. Although Lyft's requirements are higher than Uber, you can generate income by giving rides through this app during your day.


If you're a freelancer looking for gigs, Upwork should be your go-to marketplace. You'll first create a profile which will include information about what field you're interested in, plus your qualifications and availability. After that, you can submit proposals to clients, who will review them and offer projects if they think you'd be a good fit.

You begin each month with a limited number of "Connects" credits allowing you to contact prospective clients. You can earn cash rewards or pay for additional Connects, but you will not be charged when clients contact you. You can get paid hourly or per project for your services.



With this app, you might have to work a bit harder to earn money. However, if you put in the effort, driving for Uber could turn into a full-time job. For others, though, it's simply a side gig they use to make some extra money. If you're interested in signing up, consider keeping the app on as you do your day-to-day tasks. That way, if someone needs a ride while you're already out and about running errands or going to school/work), you can pick them up and earn a little extra.

Avoid Scams

Again, unfortunately, scammers exist, and their favorite targets are people who have worked hard for their money. If you come across an app or person that asks for payment to earn rewards, walk away quickly. While some investment apps require users to spend money, you should never have to pay anything to access your cash. If unsure whether an app is trustworthy, it's always best to play it safe by avoiding it altogether.


We reviewed numerous apps, considering user-friendliness, reward limits, types of activities, and how long it would take to finish tasks. In the end, we chose the ones that were simplest to use, had excellent customer service representatives, and gave you prizes in return for a fair investment of time and energy.

There are many ways to generate income, and using apps can be a smart idea. After all, many of the options on our list don't require you to spend much time or money to start receiving benefits. So go ahead, give some of them a try, and hopefully, you'll earn cash in no time.

About the author
Milo Miszewski - Chief Executive Officer

Milo founded mDevelopers in 2010, bringing his over 10 years of sales management, B2B solutions, and business relations. Milo acts as the general director, as well as a mentor and advisor. In everyday work besides managing the company, he supports the sales department in networking and building relationships.

Miłosz Miszewski

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