This page is a running list of legit money-making apps, organized by payout type, requirements, and earning style. Apps are updated as bonuses and rules change.
Fast Payout & PayPal Apps
Apps with low cash-out minimums or PayPal-friendly payouts.
BigCashWeb
- Cashout minimum: $3
- Referral bonus: Up to $100 per referral
- Pays via: PayPal
- Best for: Task-based + referral stacking
Start earning with BigCashWeb today
PaidViewpoint
PaidViewpoint focuses on higher-quality surveys and doesn’t screen users out halfway through, making it more reliable than many survey apps.
- Pays via: PayPal
- Why it’s good: Legit surveys, no disqualifications
Get started with PaidViewpoint
Rakuten
Rakuten pays real cash back for shopping online at popular stores, making it an easy way to earn passively.
- Pays via: PayPal or check
- Why it’s good: Earn cash back on purchases you already make
Sign up for Rakuten & earn PayPal cash back
Scrambly
- Signup bonus: Varies by offer
- Cashout minimum: $1.25
- Pays via: PayPal, Cash App, gift cards
- Best for: Quick, low-effort earnings
Join Scrambly & cash out from just $1.25
Swagbucks
Swagbucks lets users earn by taking surveys, watching videos, and completing offers, with flexible payout options.
- Pays via: PayPal, gift cards
- Why it’s good: Many earning options in one app
Join Swagbucks & cash out to PayPal
25Clicks
25Clicks pays users for completing short tasks and missions, making it a lightweight option for extra cash.
- Pays via: PayPal
- Why it’s good: Quick tasks, simple setup
Referral & Signup Bonus Apps
Apps that pay higher bonuses, often with deposits or referrals required.
Aven Advisor
Aven provides financial and credit-related services with promotional offers depending on eligibility.
- Signup bonus: $5 (linking bank required)
- Referral bonus: $1-$100 (spin the wheel after each referral)
- Bonus Code: JADE22234
Chime
Chime is an online banking app with strong referral incentives for users who receive direct deposits.
- Signup bonus: $100
- Referral bonus: $100
- Requirement: Qualifying direct deposit
- Extra feature: SpotMe (small overdraft protection for eligible users)
Open a Chime account & earn a referral bonus
Coinbase
Signup Bonus: $20 in Bitcoin
Referral Bonus: $20 per referral up to $200
Coinbase is one of the most beginner-friendly cryptocurrency platforms and is widely used in the U.S.
• Open a Coinbase account
• Buy at least $15 worth of cryptocurrency
Once the purchase is completed, the $20 reward is awarded immediately
Coinbase also offers a referral program where users can earn $20 for each friend who signs up and completes the $15 crypto purchase.
Because of its simple setup and well-known reputation, Coinbase is one of the easier investment apps to recommend.
Grifin
Investment app that allows users to automatically invest in stocks based on where they shop.
Signup Bonus: $25 when you sign up and deposit $5
Referral Bonus: $25 per referral up to $1,000 a year
MoneyLion
- Signup bonus: $5–$10 (promo-based)
- Referral bonus: Unlimited
- Requirement: Free account
- Best for: Low-effort financial bonuses
Open a free MoneyLion account & earn a bonus
Robinhood
- Signup bonus: $5–$200 in free stock
- Referral bonus: Same bonus per referral (up to $1,500/year)
- Requirement: Open account + link bank
- Best for: Bonuses + beginner investing
Claim your free stock bonus with Robinhood
SoFi
- Signup bonus: $25 with $50 deposit
- Referral bonus: $50–$75
Open a SoFi bank account & earn a $25 bonus
- Signup bonus: $25 with funding
- Referral bonus: $50–$75
Start investing with SoFi & earn a signup bonus
- Bonus: $10 for free credit check
Check your credit with SoFi & earn $10
Temu
Temu is a popular online shopping app that runs frequent referral and affiliate promotions. Earnings come from a mix of new-user bonuses and commissions on referred purchases, with rewards varying by active promo.
Earning type: Signup bonus + referrals + commissions
Referral promo: Up to $10 for new users who download the app and complete qualifying steps
Limited-time promos may offer higher referral rewards
Commissions: Earn a percentage (typically 5%–20%+) on purchases made by referred users within a set period
Requirements:
New users must download the Temu app and place a first order
Join Temu & earn referral rewards
Varo
Varo is an online bank with several cashback options. Get $100 bonus after your first qualifying direct deposit of $500 or more.
- Signup bonus: $100 with qualifying direct deposits
- Referral bonus: $100
Open a Varo account & earn a signup bonus
Cashback & Shopping Rewards
Apps that reward purchases you already make.
Brandclub
- Best for: Cashback and brand rewards
Brandclub rewards users for shopping with connected retailers and brands.
Join Brandclub & earn shopping rewards
Fetch
- Best for: Receipt scanning rewards
Fetch lets users earn points by scanning grocery and retail receipts, which can be redeemed for gift cards.
Scan receipts & earn rewards with Fetch
Kudos
Signup Bonus: Up to $20 in rewards (Boost)
Referral Bonus: $20 per referral
Kudos is a browser extension that helps users earn rewards and maximize cashback when shopping online. Kudos is best for users who already shop online and want to stack rewards automatically without changing their habits.
To qualify for the referral bonus:
• Invite a friend using your referral link
• Your friend installs the Kudos browser extension
• They add a payment method
• They make a minimum $30 purchase using Kudos
How the Bonus Works:
• 250 Boost (~$2.50) after their first purchase on any site
• 1,750 Boost (~$17.50) after their first purchase at a Boost-supported store
*Rewards are issued after the purchase is confirmed, which can take 60–90 days.
OnePay
OnePay is a financial app that offers cashback through OnePay Rewards, allowing users to earn money back at participating brands. The app also runs limited-time signup and referral promotions tied to activating Cash+, making it a higher-earning option when promos are active.
This is best for users who are comfortable opening a financial account and want to combine bonuses, referrals, and cashback in one place.
- Current promo (through Feb 15):
- $50 for opening an account and unlocking Cash+
- $100 per referral (up to 10 people)
- Extra features:
- OnePay Rewards for cashback at select brands
- Optional credit-builder feature (not required for rewards)
Open a OnePay account & unlock Cash+ rewards
Upside
Cashback app that pays users for everyday purchases like gas, groceries, and dining.
Signup bonus: $5–$10 bonus after first purchase
Referral bonus: $5–$20 per referral depending on promo
How It Works:
• Claim an offer in the app
• Make a purchase at a participating location
• Upload receipt or verify purchase
• Earn cashback
Research & Opinion-Based Income
Platforms that pay users for sharing opinions, testing products, or participating in paid research studies.
UserInterviews
UserInterviews connects participants with paid research studies for companies and startups.
- Pays via: Virtual Visa and/or 100s of gift card options
- Best for: Higher-paying research studies
Apply for paid studies on UserInterviews
Respondent
- Pays via: Virtual Visa and/or 100s of gift card options
- Best for: Professional or niche research
Respondent offers paid research opportunities, often for users with specific job roles or experience.
Join Respondent & apply for studies
Affiliate Disclosure: Some links on this page may be affiliate links. Hustle Plugged may earn a commission at no extra cost to you. Only apps and platforms that are researched or widely used are shared.
Looking for fast payout options? See our breakdown of apps that pay to PayPal or Cash App.