Earn Free Money Now: Realistic Ways to Earn Free Cash

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We were all raised with the idea that nothing in life is ever free. And as scammy as the term “free money” sounds, I can assure you that there are in fact ways to earn free money fast.

But first you may be wondering, “is free money actually free?”

Well, it depends on what you consider to be “free”.

If you are expecting to lay on the couch and have money flood in through the windows, unfortunately, that will never happen. (But some of these options below come pretty darn close.)

I’ve found that earning money almost always comes at some sort of a cost. However, I have also discovered quite a few ways to earn free money instantly with very minimal effort at all.

If you are ready to learn more, let’s dive in!

How to Earn Free Money Now

Cashback & Saving Apps Signup Bonuses

Some cashback and saving apps offer bonuses just for signing up.

Even if you don’t continue using the apps after signing up, you can typically cash out your signup bonus right away and then delete the app. No strings attached.

Here are some apps that offer bonuses for creating an account.

Swagbucks ($10 Signup Bonus)

Swagbucks is a survey site that allows you to earn gift cards, cash, rewards, and free stuff for shopping, watching videos, taking surveys, searching the web, and playing games. 

Swagbucks offers you a $10 bonus just for signing up and you can cash out your bonus earnings immediately.

On top of the bonus, you can also use the cashback feature later to earn cash back on purchases you were already going to make.

Rakuten ($10 Signup Bonus)

Rakuten is one of the largest and most well-known cashback sites out there. They offer cash back for shopping online with over 2,500 stores. 

When you sign up, they will immediately provide you with a $10 signup bonus.

Then you can continue to earn cashback on future purchases if you choose.

Ibotta ($10 Signup Bonus)

Ibotta is another cashback app where you earn cash back by scanning your shopping receipts.

You will receive a $10 bonus when you sign up and scan your first receipt.

Then you can cash out immediately via Paypal or you can choose to accept a gift card.

MyPoints ($5 Signup Bonus)

MyPoints is another great free survey site that pays well for completing surveys, taking polls, and reviewing products.

They offer a $5 signup bonus after you create an account and take 5 short surveys.

Then you can continue to earn extra cash by completing other tasks if you choose.

Inbox Dollars ($5 Signup Bonus)

Inbox Dollars is another survey site that lets you earn money with very minimal effort. On their website, you can earn money by answering surveys, shopping, watching videos, and completing other simple tasks.

This is a great way to earn extra cash whenever you have some free time.

When you sign up with Inbox Dollars, you will receive a $5 signup bonus right away.

Investing Apps Free Bonus & Free Stock

Some investing apps also offer sign up bonuses and/or free stocks.

Even if you don’t want to invest in the stock market, you can simply signup, complete the minimum requirements and then cash out your earnings right away.

Here are some of the best free stock trading apps that offer a bonus or free stock.

Webull (Free Stock)

Webull is one of the best free stock trading mobile apps out there.  

When you sign up for Webull, you will receive one free stock valued between $2.50-$250.

Then if you fund your account $100 or more, you will receive another two free stocks valued anywhere between $8-$1,600. You can either keep those stocks to see if they grow over time or you can cash out.

It takes less than 10 minutes to set up an account which is well worth the effort!

Robinhood (Free Stock)

Robinhood is a free online brokerage that gives you one free stock just for signing up and creating an account. This is another app that allows you to trade stocks, ETFs, and cryptocurrency from your smartphone.

The free stock is chosen at random but can be valued up to $500. Then you can either keep the stock to see if it grows over time or you can cash out.

When I first signed up, I received one stock of Snapchat (SNAP). It’s fun to sign up and see what you get!

M1 Finance ($20 Bonus)

M1 Finance is another free brokerage account that offers a combination of investing, borrowing, and cash management. 

When you sign up for M1 Finance through a referral link and deposit $100 or more into your account within 90 days, you will receive a $20 bonus.

You can also refer friends and each time someone signs up, you will receive another $20 for each person who signs up.

Acorns ($5 Signup Bonus)

Acorns is a micro-investing app that helps automate your investing.

You can choose to either invest a lump sum or you can choose to invest your spare change through roundups. This means your purchases are rounded up to the nearest dollar and Acorns invests the difference.

When you create an account, Acorns will give you a $5 bonus.  

Stash ($5 Signup Bonus)

Stash helps make investing simple with their beginner-friendly app.

If you are looking for some help with building a portfolio of stocks and EFTs, Stash might be a great option.

When you open an account and make a deposit of $5 or more, you will be rewarded with a $5 signup bonus.

Then you can refer your friends to potentially earn another $500 in yearly bonuses.

Bank Account Sign Up Bonuses

Some bank accounts will offer a generous bonus just for signing up and opening an account.

Here are some options for different bank accounts that offer a signup bonus.

Yotta Savings (100 Free Tickets)

Yotta Savings is an FDIC insured savings account where users earn a base interest rate of 0.2% with their savings.

On top of the base rate, users will also earn prizes each week ranging between $0.01 and $10 million.

For every $25 you deposit into your Yotta savings account, you will be given one recurring, lottery-type ticket that allows you to win prizes each week. These tickets never expire. So, the more you save, the more tickets you will get.

When you sign up with Yotta and use my referral code TEGAN1, you will receive 100 free tickets for next week’s drawing.

Read more about this app in our Yotta Savings Review.

Chase (Up to $500 Bonus)

Chase Bank is a common bank that provides credit cards, savings accounts, checking accounts, investment options and more.

When you sign up through a referral link, you can potentially earn up to a $500 bonus depending on the type of bank account you choose.

Credit Card Sign Up Bonuses

You have to be careful using credit cards for purchases. However, if you use them correctly, you can earn some amazing bonuses for reaching the minimum requirements.

Simply use the credit card for purchases and bills that you were going to pay for anyways, and then pay off the card right away to help get you the bonus sooner.

I’ve listed a few of the best credit card bonuses available.

Chase Freedom Unlimited ($200 Bonus)

As stated above Chase Bank also offers credit cards.

When you sign up for the Chase Freedom Unlimited Credit Card, you can receive a $200 bonus after you spend $500 within 3 months of opening the account.

You will also earn cashback on other purchases as you continue using the card.

Bank of America Cash Rewards Credit Card ($200 Bonus)

Bank of America is another large banking company that offers credit cards.

When you sign up for the Bank of America Cash Rewards Credit Card, you can receive a $200 bonus when you spend $1,000 within the first 3 months of account opening.

Southwest Rapid Rewards Credit Card (Free Flights)

The Southwest Rapid Rewards Credit Card is a great credit card if you love to travel and choose to fly with Southwest Airlines.

This card makes it easy to consistently earn free flights. You can earn 65,000 points (1-2 free flights depending on location) after you spend $2,000 within the first 3 months of account opening.

Earn Interest on Your Savings

If you have an emergency fund or some extra money sitting in a regular savings account, you can transfer those savings to a high-yield savings account to start earning interest for you while you sleep.

This is a great way to continuously earn free money over time.

Let’s look at a few of the best high-yield savings accounts.

CIT Bank

CIT Bank is an online bank that is designed to help you maximize your savings.

When you open a high-yield savings account with CIT Bank, you will start earning interest right away on your savings.

Ally Bank

Ally Bank is another trusted online bank that offers high-interest payments on your savings.

All you need to do is create an account, deposit your savings, and start earning!

Claim Missing Money

Employer 401K Matching

If you are not taking advantage of your employer 401k matching, you are missing out on free money.

Some companies will match the 401K contributions that you invest in your retirement savings. This may be a percentage of your own contributions or sometimes they will even match them dollar for dollar.

This is a great benefit to you and you should definitely take advantage of it if you want to earn free money.

Unclaimed Funds

One of the easiest ways to earn “free money” is to simply claim missing money that you are entitled to. There are billions of dollars of unclaimed money in the United States alone and some of it might be yours.

Unclaimed money is money that was turned over to the government after a certain timeframe because there was no acceptance of the funds.

This could be from a check that was never cashed, an investment account, housing, overpayments, or something else.

Here are some of the best websites to locate unclaimed money:

Class Action Lawsuits

Class action lawsuits are lawsuits that are filed against a group or a corporation for offering a dangerous or defective product, discrimination, false marketing, or other unlawful actions.

If these lawsuits are in favor of the plaintiff, there is typically a settlement of a full refund of a product or other reimbursements.

Here are a few sites to locate any class action lawsuits that relate to you or products you may have purchased:

These sites let you fill out a form to fill out and submit for possible compensation.

Save Money on Monthly Bills

One way to earn extra money each month is simply lowering your monthly bills to make room in the budget.

Negotiating your bills on your own can be a daunting task. Here are some companies that will do all of the hard work for you.


Billshark can help you save 25% or more on your monthly bills in just a few minutes.

They will do all of the hard work for you to negotiate the costs of your phone bill, internet, TV, insurance, satellite radio, and more.

They can even help you cancel your old subscriptions. You don’t even need to lift a finger!

They even offer an online calculator so you can determine your monthly savings before you pull the trigger.

All you need to do is send them your last bill and they will take care of the rest. And they don’t even take a fee until your bills have been negotiated.


Trim is similar to Billshark in that they work to save you more money.

They will first analyze your spending habits after you link your accounts, then they will negotiate your cable, internet, phone and medical bills. They will also help you to cancel old subscriptions.

To get started, simply download the app, create an account, and start saving!

Refinance Your Student Loans

Throughout college, you may have incurred a number of different student loans.

When you refinance, you take all your student loans to a single lender who will pay them off for you. Then you will owe the lender for the money they used to pay off your other debt.

This is a great option if you are able to find a loan with a better interest rate and better payment terms than what you were previously paying.

If you are able to refinance your loans, you will ultimately be putting more money in your pocket each month.

Let’s take a look at a few options to refinance your student loans:

Credible (Up to a $750 signup bonus)

Using Credible is one of the best ways to refinance your student loans.

They offer you free quotes and the chance to compare prequalified rates from different lenders without affecting your credit score.

And depending on your loan balance you are eligible to receive a signup bonus between $100-$750.

SoFi ($300 signup bonus)

Sofi is another leading student loan provider that can offer some great rates and flexible terms.

There are no application fees and no pre-payment penalties, so you can make as many early payments as you would like.

And if you sign up through a referral link, you will also receive a $300 signup bonus.

Get Free Money Now By Using the Internet


MobileXpression is a market research panel that is dedicated to improving mobile Internet practices and they will pay you in exchange for data from your mobile phone.

To get started, you will need to download their app and allow it to work in the background of your device to record your browsing habits.

You can earn weekly credits that are redeemable for gift cards to your favorite retailers. You may also receive a free $5 Amazon gift card after your first week if you live in the US.


Nielson is a company that helps different businesses understand consumer behavior and they will pay you for sharing your internet usage habits.

All you need to do is sign up, download their app to your devices and then reap the rewards.


SavvyConnect is another market research panel that pays for behavioral research for searching the web.

With the SavvyConnect, you can cash prizes each month for downloading the app and connecting your devices. You can even earn $5 per month per device that you connect.

Earn Free Money Now by Playing Games

If you are someone who enjoys playing video games, you might as well get paid for it.

Some companies will pay you just to play on your phone (which is something you are probably doing anyway).


Mistplay is one of the best apps for making money while you play games on your phone or tablet.

free money now

Simply download the app and start playing! The longer you play, the more you can earn.

They even take into consideration which games you like to play and don’t require you to just play one certain type.

Take note that as of right now, Mistplay is only available for Android users.


Bananatic is a website that pays users to play and test games. 

free money now

You will collect bananas for completing in-game quests and reviewing individual games.

Then you can cash out your bananas for rewards such as gift cards, steam codes, and other games. 


Lucktastic is another gaming app that pays you to play games and win points by scratching off virtual scratcher tickets. 

free money now

Once you have enough points, you can cash them out for cash or gift cards. You have a daily chance to win either $5,000 or $10,000 in cash or you may also win a $500 Amazon gift card. 

All you need to do is download the app, sign up, and start earning! 

Coin Pop

Coin Pop is a free mobile gaming app that pays users to download and play a number of different games. 

After you choose and download a game within the app, Coin Pop will run in the background on your mobile device and you will earn coins for the amount of time you play. 

Additionally, you will earn 250 coins for every friend that joins Coin Pop with your referral link. 

Keep in mind, Coin Pop is only available for Android devices.

Check out my full review on Coin Pop here.

The Bottom Line: Earn Free Money Now

With technology steadily growing, free money is quite literally at your fingertips.

The days of sprawling around in the sand searching for pennies and dimes are over!

It can be as simple as downloading an app, signing up for an account, or answering some easy questions to earn free money instantly.

All of the suggestions listed above require very minimal effort. Anyone can earn free money now!

Frequently Asked Questions (FAQs)

Is earning free money legit?

Yes! You can absolutely earn free money now by downloading apps, signing up for different accounts, answering questions, finding unclaimed money, or signing up for a research panel.

Is free money really free?

Almost everything in life comes with a cost, however, a lot of these options listed above allow you to earn money while putting in very minimal effort.

How can I get free money now?

Most of the options listed above allow you to earn free money and cash out instantly.

I’ve earned some free money, how should I spend it?

As tempting as it might be to blow through all of that free cash you just earned on materialistic items, the best thing to do is use it wisely.

You can either use it to help you pay down debt, put it towards your emergency fund, or invest it! There is nothing like earning money and then investing it somewhere to earn compounding interest and then watch it grow!

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How to Earn Free Money Now

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