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10 Best Money-Making Apps

These days, online shopping is easier than ever. But it’s also harder than ever to know if you’re actually getting the best bang for your buck (I’m officially coining this “savings FOMO”). You can’t even trust Amazon reviews anymore—lots of them are fake and paid for!

I’m sorry if I just burst your gullible bubble (gullibubble!), but having a healthy dose of skepticism about the “deals” you find while you shop is actually a great thing. I use that skepticism to my advantage by using apps to make money while I shop.

That’s right—you can actually make money (and of course, save money) while you shop online with couponing apps! No more clipping coupons, folks. These apps do the dirty work for you. And don’t forget about the best deal of all time: Everything is 100% off if you don’t buy it. But I’ll save that soapbox for another day.

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Before I get into the money-making apps, I want to share my biggest hack of all: Shop on a desktop or laptop computer. I know, I know . . . shopping on your phone is way easier. But when you use an actual computer, you have way more options with things like browser extensions. Yep, it’s true. By shopping on your smartphone, you could be missing out on some sweet, sweet savings opportunities.

Now, let’s dive into how you can use apps to make money while you shop through cash back, promo codes, price comparisons and so much more.

10 Apps to Make Money:

1. Honey

When it comes to using apps to make money, Honey is one of the easiest out there. Not only do they automatically apply coupons to your online shopping cart, but they also give you cash back with Honey Gold—just for making purchases you would normally make. In case you’re not familiar, Honey is a free tool that scours the internet for you to search for deals, discounts and promo codes on whatever you’re shopping for. You can download Honey as a browser extension on Chrome or Safari, or you can use their app. They also have a Honey Mobile Safari Extension that works on your iPhone!

When you’re shopping online, Honey will pop up with alerts to let you know if you’re getting the best deal. And when you check out, they’ll automatically test out coupons for you. Pretty sweet, right? Honey also has something called Droplist. If you’ve been eyeing a pair of Apple Airpods Pro but don’t want to pay full price, add them to Droplist and they’ll notify you when they’re on sale (so you don’t have to keep checking . . . every single day). To date, I’ve saved over $5,000 on purchases and received $175 in cash back using Honey. Not too shabby.

Pros: You get automatic coupons and cash back for purchases.

Cons: You don’t make as much cash back as some other apps.

How they make money: Their commission comes from retailers.

How to shop: Use the app for iOS and Android or the browser extension for Chrome and Safari.

2. Rakuten

The best thing about Rakuten is the opportunity for cash back. You can get up to 10% cash back shopping at stores you normally shop at (as long as you use Rakuten’s website link for shopping online). They’ll let you cash out your rewards every three months and either send them to your PayPal account, or if you want to go old school, they’ll cut you a paper check. So far, Rakuten has paid over $2 billion in cash back to their members.1

But remember: Be intentional. Don’t start shopping willy-nilly. Only buy stuff you were already planning to buy. And if you think you can’t earn cash back while shopping in-store, you thought wrong. Just link the offer to your debit card and pay with your debit card in-store. Easy enough, right?

If you’re using the browser extension on your computer, Rakuten will show you when another site has a cheaper price on the item you’re looking at. For instance, I looked up a pair of shoes on Nike, and Rakuten shared that I can get the same pair at Shoe Carnival for $6 cheaper. Score! Plus, if you sign up, you can get $10 cash back when you spend $25 in the first three months. Remember: Don’t spend just to get the cash back. Only buy what you already planned for in your budget!

Pros: They help you find the best deals, and you get up to 10% cash back as well as a sign-up bonus.

Cons: They only do their payouts quarterly.

How they make money: Their commission comes from retailers and advertisers.

How to shop: Use the app for iOS and Android or the browser extension for Chrome and Safari.

3. RetailMeNot

If you’re a deal lover, you’ve probably heard of this one. When I’m shopping online, the first place I go is RetailMeNot. It’s quick, it’s easy, and it lets me know if there’s a promo code or discount for whatever I’m planning to buy, whether it’s a new pair of shoes or a pizza. And just like with Honey Gold and Rakuten, RetailMeNot offers its account holders the opportunity to get cash back (up to $50). They’ll even let you get cash back and use a promo code for a discount—at the same time, on the same purchase. Now, that’s what I’m talking about!

And when it comes to cashing out your cash back, they’ll either send it to your PayPal account or Venmo you. Just remember, getting your purchases approved takes some time. For RetailMeNot, it’s a 45-day process.

Pros: You can get cash back and discounts at hundreds of stores.

Cons: Getting your cash rewards takes a while.

How they make money: Their commission comes from retailers.

How to shop: Use the website or the app for iOS and Android.

4. Camelcamelcamel.com

Camelcamelcamel (no relation or affiliation with this Kamel) is a free Amazon price tracker. While you don’t actually use this app to make money, it’s a great way to save money. One of the biggest tools they offer is their price watch. You can sign up for alerts on the things you’ve got your eye on, and they’ll tell you when the price drops. Pretty great, right? Let’s say you’re in the market for a new TV but you don’t want to spend the list price on Amazon. That’s where their free browser extension, the Camelizer (is that not the most rock ‘n’ roll name?), comes in. Just sign up for price-drop alerts, and before you know it, you’ll get a notification in your email telling you it’s the right time to buy.

The beauty of this site is that it saves you time . . . and it’s free. Not only that, you’ll be able to see the price history on what you’re purchasing so you know if you’re getting the best price possible.

Pros: You get a free Amazon price tracker.

Cons: It may not have everything you’re looking for.

How they make money: Their commission comes through Amazon.

How to shop: Use the website or the browser extension on Chrome.

5. Ibotta

Use the Ibotta app to make money. This app makes it fairly easy to earn cash back rewards both in-store and online. All you have to do is download the app (or browser extension), add the offers you want to use, shop, and then scan your receipt if you’re shopping in-store. Ibotta’s cash back offers vary depending on the brand or store you’re shopping with.

If you’re one for gift cards, you can get cash back on those too. And once your account reaches $20 or more, you can send it straight to your bank, PayPal or Venmo—instead of getting more gift cards (which encourages even more spending). I should also mention that the welcome bonuses are pretty great. You can earn $20 within the first month of using it. Something to keep in mind: This app is all about brands and may sway you toward one brand over another depending on the cash back. So don’t buy the more expensive name-brand item just to save some money—that’s how they get you!

Pros: You can earn cash back on purchases both online and in-store.

Cons: You get ads, you have to add the offers before you shop, and if you shop in-store, you need to upload receipts.

How they make money: Their commission comes from retailers and ads.

How to shop: Use the app for iOS or Android and the browser extension for Chrome.

6. Fetch Rewards

You can also use the Fetch Rewards app to make money, and unlike many other apps, it lets you cash out with as little as $3 after your first redemption. The only thing is, you can only cash out for things like gift cards or magazines. That’s definitely not as great as cold, hard cash.

Using Fetch Rewards is easy enough. Snap a picture of your receipt from any store (digital receipts work too), and you’ll get at least 25 points for each shopping experience. And if you really want to earn more points, Fetch rewards you even more for shopping at specific stores or buying specific brands. Here’s the nice thing: You don’t need to add offers to your app before you use it (which I love). And last but not least, Fetch gives you two whole weeks to upload your receipt.

Pros: You can shop anywhere to earn points.

Cons: You can only cash out for gift cards and magazines.

How they make money: Their commission comes through partnerships with certain brands.

How to shop: Use the app for iOS or Android.

7. Target

You’ve probably heard of Target—it’s only the best store to shop for . . . everything. And if you aren’t taking advantage of Target Circle Rewards in the Target app to save on your purchases, you’re missing out. One of the things I love most about Target Circle offers is that you can sort them by discount amount—which can be up to 50% off! Now, don’t get crazy and start buying stuff you don’t need because it’s on sale. But using this feature might save you money on something you were going to purchase already (stick to the list!). If you’re someone like me who doesn’t care about brands, then this is a great way to save on your next shopping trip.

Using the Target app gives you 1% cash back on eligible purchases and in-app discounts. Just make sure to add the coupons to your app before you shop. And if you want to save even more, check out their Target Debit Card (known as the RedCard) to get 5% instant savings on all purchases. Just be sure not to get it confused with the credit card they offer (also called the RedCard).

Pros: You can save money with the RedCard and filter by discount using the app.

Cons: You have to add offers before you shop.

How they make money: They’re a nationwide retailer.

How to shop: Use the website or the app for iOS or Android.

8. Slickdeals

Slickdeals is another money-saving app to keep in mind when you’re shopping for something specific. They hang their hat on being the app that helps you shop smarter and save more. With this app (or browser extension), you can type in the item you’re looking for and sign up for a custom deal alert. They’ll let you know when your item is on sale or when there might be a deal. Keep in mind that this app does promote and advertise specific deals—and those may not even be the very best deals out there on that item.

They also have their own version of cash back called Slickdeals Rewards. When you make your purchases through their website, app or browser extension, you’ll collect points that can be redeemed through PayPal or gift cards. Another unique thing about Slickdeals is that you can vote on deals and post new deals yourself to let others in on the money-saving goodness—without clipping coupons. That’s my favorite feature, personally.

Pros: You get custom deal alerts and cash back.

Cons: Promoted deals aren’t always the best deals.

How they make money: Their advertising and commission comes from retailers.

How to shop: Use their website, the app for iOS or Android, or the browser extension for Chrome.

9. Dosh

The best part about Dosh is how easy it is to use (no receipt scanning, offer loading, or even promo codes). The less hassle the better, right? It’s so easy because Dosh has you link your debit card straight to the app so when you shop, your cash back goes straight to your Dosh wallet. But here’s the kicker: Not all debit cards work with Dosh, so you’ll have to do some research to see if yours earns cash back. If you do earn cash back, once you get up to $25, you can transfer to your bank, PayPal, Venmo, or give that money to charity. Now that’s pretty cool.

P.S. To squelch any privacy concerns, Dosh doesn’t actually store your card info. If you’ll allow me to nerd out for a second, your data in Dosh is tokenized and vaulted using Braintree, which is a division of PayPal (one of the most trusted payment platforms out there). On top of that, any transactions in the Dosh app are SSL-encrypted, so it’s super unlikely that the data could be accessed by third parties.

Pros: You don’t have to scan your receipts or load your offers before making a purchase.

Cons: You have to link a card to earn points (so it doesn’t work for cash spending).

How they make money: Their commission comes from retailers.

How to shop: Use the app for iOS or Android.

10. Swagbucks

If you’re looking for an app to make money, Swagbucks should be next on your download list. Not only can you earn points by shopping online with Swagbucks, but you can also earn points by taking surveys, searching the web, making referrals, playing games, watching videos, and more. When you use the browser extension (the SwagButton—almost as cool of a name as the Camelizer), you can get alerts for deals when you’re shopping online too.

Plus, when you sign up for your free account, you can get $10 for spending $25 at a Swagbucks-approved store in your first 30 days. I have to say it again for the folks in the back: The best purchase is 100% off and costs you zero dollars (because you’re not spending money).

Pros: You can earn cash back through more than spending.

Cons: The points may not be worth the effort.

How they make money: Their commission comes from retailers and businesses.

How to shop: Use their website, the app for iOS or Android, or the browser extension for Chrome, Firefox or Edge.

The Best App to Make Money

Now that you’ve maxed out your smartphone’s storage using all these apps (I currently have 284 apps on my phone—send help), I want to talk about the one app that will absolutely save you money every month: EveryDollar.

That’s right. EveryDollar is the world’s best budgeting app, and it’s the one I personally use to manage my money and track my spending. Not only is it free, but it helps you save money each and every single month by doing a zero-based budget. And as long as you’re intentional and stick to the budget, you can find money you never knew you had. Now that’s what I’m talking about.

Download it for free today and start saving money. Believe me—it’s worth the storage space on your phone (95.6 megabytes to be exact). Now, go forth and spend wisely, my friends.

George Kamel

About the author

George Kamel

George Kamel is a personal finance expert, certified financial coach through Ramsey Financial Coach Master Training, and nationally syndicated columnist. George has served at Ramsey Solutions since 2013, where he speaks, writes and teaches on personal finance, investing, budgeting, insurance and how to avoid consumer traps. He co-hosts The Ramsey Show, the second-largest talk show in the nation that’s heard by 18 million weekly listeners. He also hosts The EntreLeadership Podcast and The Fine Print podcast, which has over one million downloads. You can find George’s financial expertise featured in the U.S. Sun, Daily Mail and NewsNation. Learn More.

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