This post may contain affiliate links. Please read our disclosure for more info.

Last Updated on

So, you’re looking for apps that pay you money AND take minimal effort to use.

Well you’ve come to the right place. We’ve done the digging—we’ve tested all the ‘money-making apps’ and have found out which ones are legit (like the Ibotta app), and which aren’t worth their salt.

You can be confident that each of the money making apps you try today are:

  • Safe
  • Actually make you money
  • Worth your time (We know you don’t have time for time-consuming apps that pay pennies)

With that, here are the 12 BEST apps that pay you real money in 2020!

12 Free Apps That Pay You Money Fast

Pro Tip: Try out several of these apps at once.  Many of them earn money in the background and can be used simultaneously!

1. Ibotta: $10 Bonus- Make Money Grocery Shopping

Ibotta is the MVP when it comes to saving money on groceries. With this app, you will earn real money every. single. shopping trip.

Is Ibotta legit : Ibotta App Review

How It works:

All you have to do is snap a pic of your receipt and watch free money get instantly deposited into your account. And don’t worry, you won’t have to buy weird food items: Ibotta gives you cash back on the food you buy every week.

Plus, you’ll get a free $20 just for trying it out!

How do I get paid?

Do your same ol’ grocery shopping, load up your account with Ibotta cash, and redeem that money in these two ways:

  1. PayPal direct deposit 
  2. Free gift cards!

Final Ibotta App Rundown:

  • Sign Up Bonus: $20 Gift Card
  • Platform: iPhone & Android 
  • Money Redemption: PayPal, Gift Cards
  • Effort Required: Low
  • Price: Free
  • Final recommendation: 100% you need this app.

Try the Ibotta app and get a $20 bonus added to your account from the start. 

Ibotta welcome bonus, Ibotta $10 welcome bonus, Ibotta referral code, ibotta hidden bonuses, ibotta 10 welcome bonus, ibotta $10 referral code

2. Dosh App: $1 Bonus- Effortless Cash Back 

The Dosh App is the epitome of LAZY money-making apps.  Just use your debit/credit card like normal and… well… that’s it. That’s all you have to do to earn free money! 

Dosh App, Dosh App Review, Dosh app cash back, Is the dosh app legit, is the dosh app safe, dosh app safe, is the dosh app a scam

As long as you’re spending money on the linked credit or debit card, you’re getting paid! 

And of course, as an incentive to try it out, they’ll automatically load $1 onto your account from the start!

dosh app

How It Works: 

Simply connect your credit or debit card to the Dosh App… that’s it. Now, just shop and dine out while getting up to 10% cash back loaded into your account automatically.  Here’s a few of the 1,000+ locations you could be earning *automatic* cash-back at:

  • Walmart – 3% Cash Back
  • Target – 1.5% Cash Back
  • Walgreens – 6% Cash Back
  • Exxon Mobile – 2% Cash Back
  • Guess – 5% Cash Back
  • Patagonia – 6% Cash Back
  • Bed Bath & Beyond – 7% Cash Back
  • Jiffy Lube – 10% Cash Back

How do I get paid?

The Dosh App pays you cash! You get to decide between: 

  1. Bank account deposit
  2. PayPal cash
  3. Donation to a charity

Final Dosh App Rundown:

  • Sign up Bonus: $1 Cash
  • Platform: iPhone App & Android App
  • Payment: Direct deposit, PayPal cash, Donation
  • Effort Required: Nada
  • Price: Free
  • Final recommendation: Want effortless free money? 100% Get this app!

Try out the Dosh App and get this $1 bonus added to your account

dosh app

3. Drop App: Get Free Gift Cards On Auto-Pilot

The Drop App is like the Dosh App: you get paid to spend money on a linked card. We recommend you double up on your money making potential and get both apps! (That’s what we do.) 

Frugal living tips, best frugal living tips, Apps that pay you, apps that pay you money, free money apps, best money making apps, money making apps, apps that pay you real money, iphone apps that pay you money, win money apps, earning apps, android apps that pay you money

How It Works: 

Download the Drop app, and link your credit/debit card to the app. From that point forward, the Drop app will collect free money as you use your linked card.  It’s the definition of automatic free gift cards.

How do I get paid?

Turn your Drop App money into free gift cards! They have a generous selection of gift cards to pick from including: Starbucks, Amazon, Uber, Regal Theaters, Nordstrom, Target, Best Buy, and so many more!

Final Drop App Rundown:

  • Platform: iPhone & Android 
  • Payment: Gift Cards
  • Effort Required: None
  • Price: Free
  • Final recommendation: Zero effort + free gift cards? 100% you need this app.

Click here to try the Drop App and start earning free gift cards on autopilot

Update 01/20/20: Drop just gave our readers a $5 Gift Card Sign Up Bonus Code! Use our promo code ‘BudgetingCouple’ when downloading the app to get a free $5 added to your account from the start!

Drop App Review, Drop Review, Drop Free Gift Card, Drop Promo Code

4. Fetch: An Intuitive “Cash-Back on Groceries” App

The Fetch app puts a twist on “cash-back on groceries.” Rather than partnering with grocery store companies, Fetch has partnered with big brands to make earning free money (and using their app) extremely simple.

How it works:

With Fetch, it doesn’t matter where you shop (grocery store, convenience store, drug store). When you pick-up groceries, open Fetch, scan your receipt, and more than likely, you will get cash back from one of Fetch’s 200+ big-brand partners.

Join the other 200k+ users who are making money with Fetch right now

fetch app pays you money

How do I get Paid?

Collect Fetch points, and redeem them for free gift cards to your favorite retailers (at time of writing: 1,000 points = $1). We recommend you grab their free Visa Gift Card so that you can can spend your free fetch money anywhere you’d like. (these things are as good as cash!)