40+ Best Ways to Make $20 Right Now

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Looking for the best ways to make $20 right now? 

I don’t blame you! 

Whether you are living paycheck to paycheck or just looking for some money to invest with, an extra $20 can go a long way. 

And with growing technology, it has never been easier to make free money now simply by using apps or putting in a little bit of work. 

This post will outline the best ways to make $20 right now. Some of these suggestions may even become a steady source of income for you each month.

Let’s dive in! 

40+ Best Ways to Make $20 Right Now

Take Online Surveys 

Taking online surveys definitely won’t make you rich, but this can be a great way to make a few extra dollars in your spare time. 

Most of these survey sites will also give you a decent signup bonus as well. If you simply sign up for a few different sites without committing to taking the surveys, you can earn $20 or more in less than a few minutes. 

Here are some of the best survey sites to get started.


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

When you sign up for Swagbucks, you will receive a $10 bonus that you can cash out immediately.

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

make $20 right now with Swagbucks

Survey Junkie

Survey Junkie is one of the highest paying survey sites that allows users to earn money by completing surveys. 

After receiving $10 worth of rewards, you can cash out through PayPal or gift cards. Continue taking surveys to see how much money you can make!  

Make $20 right now with Survey Junkie

Inbox Dollars 

Inbox Dollars is another survey site that lets you earn money by putting in minimal effort. 

With InboxDollars, you earn money by answering surveys, shopping, watching videos, and completing other simple tasks.

When you sign up on their website, you will receive a $5 signup bonus right away.

make $20 right now


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

You will receive a $5 signup bonus after you create an account and take 5 short surveys.

Then you can complete other tasks to continue earning more rewards. 

MyPoints Survey site

Cashback Apps 

Cashback apps are another great way to make $20 right now. 

You can simply download one or more of the apps to earn the sign up bonus and then use them when you shop. 

Here are some of the best cashback apps to download today.


Ibotta is a cashback app that allows you to earn cash back by scanning your shopping receipts.

When you sign up for Ibotta, you will receive a $10 bonus after you scan your first receipt.

Then you can continue to use the app by scanning your future shopping receipts. 

Make $20 right now with Ibotta


Rakuten is one of the largest and best cashback sites out there. They offer cashback for shopping online with over 2,500 stores to choose from. 

Rakuten will provide you with a $10 signup bonus once you create an account

Then you can continue to shop with them to earn cashback on future purchases.

make $20 right now with Rakuten

Open a Credit Card or Bank Account 

Opening a credit card or bank account to earn the sign-up bonus is a great way to make money fast. You can earn way more than $20 by doing this.

This option does, however, require you to spend some money in order to make some money. 

But it’s simple and quick if you spend the minimum amount (in order to earn the signup bonus) on items you were going to buy anyway like rent or groceries. 

Just be careful not to overspend and to use the cards wisely.

Chase Bank Account

Chase Bank is a bank that provides different baking accounts such as savings accounts, checking accounts, credit cards, investment options, and more.

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

Chase Freedom Unlimited Credit Card

The Chase Freedom Unlimited Credit Card allows you to receive a $200 bonus after you spend $500 within 3 months of account opening. 

If you decide to continue using the card after you receive the sign up bonus, you can earn additional rewards. 

Bank of America Cash Rewards Credit Card

Bank of America is a very common bank that offers credit cards.

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

Sell Your Stuff 

One of the best ways to make $20 right now is to sell some of your old items. 

Let’s face it, we all have things laying around our house that we don’t use anymore. You can probably think of a few without even looking too hard. 

Here are some items that you may be able to sell quickly to earn some extra money. 

Gift cards

Some websites like Cardpool and Raise will pay you for your old gift cards. 

To get started, simply fill out the brand and the balance on each website to get a quote. Then if you decide to sell your gift cards, you can choose to get paid in Amazon credit or cash. 

General stuff around the house 

People are willing to buy lightly used items for a decent price online. 

If you have items that you no longer use around the house, try selling them on websites like eBay, Craigslist, Poshmark, or Mercari. 

You could also sell items in person on Facebook Marketplace, OfferUp, or NextDoor. 

If you have a lot of items or can gather donations from friends and family, consider having a yard sale. 


Some plasma donation centers will actually pay you cash for donating your plasma. 

Depending on where you live, you can expect to make $20-$50 per donation

Old Textbooks 

Do you have old textbooks that you will never use again? 

Try searching for your books on Bookfinder to see how much you can make from each one. 

Simply enter your ISBN number on the website to see a list of vendors and how much they will offer you for your books. 

Investment Apps 

There are many investing apps that will provide you with free stocks or a sign up bonuses when you create an account. 

Signing up for multiple stock trading apps and cashing out the bonuses will get you well over $20 in a short period of time. 

Here are the best investment apps that offer free money now. 


Webull is a very popular free stock trading mobile app. 

You will receive one free stock valued between $2.50-$250 just for signing up with Webull. 

Then, if you deposit $100 or more into your investment account, you will receive another two free stocks valued between $8-$1,600. 

You can then keep those stocks to watch them grow over time or you can cash them out.

Earn free money now with free stock


Robinhood is another free online brokerage app that offers you one free stock valued up to $500 just for creating an account. 

You can then keep those stocks to watch them grow over time or you can cash out.

Get free stock with Robinhood


Acorns is a micro-investing app that works to automate your investing.

You are given the option to either invest a lump sum amount or to invest your spare change with roundups. 

This means your purchases with your regular bank account are rounded up to the nearest dollar and Acorns will invest the difference.

Acorns will give you a $5 bonus for signing up. 

Acorns investing app

M1 Finance

M1 Finance is a free brokerage account that offers different services such as investing, borrowing, and cash management. 

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

If you refer friends, you will receive another $20 for each person who signs up with your own referral link. 

M1 Finance for investing


Stash is one of the most beginner-friendly investing apps on the market. 

You will earn a $5 sign up bonus when you open an account and make a deposit of $5 or more.

Then if you refer your friends, you could potentially earn another $500 in yearly bonuses.

Stash investing

Money-Saving Apps 

Money-saving apps can help you save hundreds of dollars each year by negotiating your bills for you. 

Here are some of the best options. 


Billshark helps to save you 25% or more on your monthly bills within a few minutes. This could potentially save you $20 or more each month. 

They work to negotiate the costs of your internet, phone bill, TV, insurance, satellite radio, and more. They also help to cancel your old subscriptions that you no longer need. 

You can see how much you will save with their online calculator before you choose to work with them and they don’t take a fee until your bills have been negotiated.

Save money with Billshark


Trim is another company that helps you save more money by cutting your monthly bills when possible.

Once you link your bank accounts, they will examine your spending habits over a short period of time. Then they will negotiate your internet, phone, cable, and medical bills for you.

And just like Billshark, they will also help you cancel any old subscriptions you don’t need. 

You can potentially save up to $20 or more each month by using their services. 

Save money with Trim

Do Freelance Work 

One way to make $20 right now is to simply use your own talents to work for it. 

Doing freelance work is a great way to make some extra money from home. Some people even make this their full-time job once they have enough clients. 

Some of the most popular freelance work includes: 

  • Virtual assisting
  • Photo/Video editing
  • Proofreading
  • Ghostwriting 
  • Blog writing
  • Copywriting
  • Voice-over artist
  • And so many more

If you have a talent or are willing to learn new skills, try advertising your freelance services on websites like Fiverr or Upwork

Complete Transcription Jobs

Signing up for and completing transcription jobs is a great way to make $20 fast. Some of these jobs will pay you up to $25 per hour. 

Transcription requires you to listen to or watch an audio file and then type out what you hear into a document. 

Once you create an account, you will be required to take a short typing test. If you pass the typing test, you can start completing transcription jobs right away. 

Some of the best transcription websites include:

Become a UserTester 

Becoming a user tester on the website UserTesting is one of the easiest ways to make money fast. You can earn $10 for every 20-minute test you complete and you can earn even more if you complete interviews. 

All you need to do is create an account, take a few tests, and then get paid. 

You will need a device with a working microphone as the tasks require you to visit websites or apps and share your opinion out loud as you navigate through them.

Completing a few tests can earn you over $20 for just one hour of work! 

Earn With Gaming Apps

Some gaming apps will pay you just to play games on your smartphone or tablet. This is a fun way to make $20 right now and is probably something you are doing anyway!

Here are some of the best gaming apps.


Mistplay is an app that pays you to download and play mobile games. 

To get started: 

  1. Download the Mistplay app 
  2. Choose a game on the Mistplay app that you would like to play
  3. Play the game to earn points 
  4. Redeem your points for free gift cards

This is a fun and free way to earn some extra money by playing some games in your free time! 

Earn money playing games with Mistplay


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

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! 

Earn money with Lucktastic


Bananatic is a website where you will get paid to play and test games.

make $20 right now

You can collect bananas (virtual compensation) for completing in-game tasks and reviewing individual games.

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

Coin Pop

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

Once you choose and download a game within the app, 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.

Walk Dogs & Pet Sitting

Calling all pet lovers! 

Dog walking and pet sitting is a great way to earn some extra money while spending time with some furry friends. 

Here are some of the best apps to get started. 


Wag is a dog walking app that allows you to earn money for walking client’s dogs. 

They will also pay you for pet sitting and boarding, pet training, or for pet check-ins during the day. 

An hour walk will earn you almost $20 and you can earn more by completing more walks. 

If you have interest in dog walking, sitting or training, give wag a try! 


Rover is an app that allows you to earn money for walking dogs and pet sitting. 

This is a great way to earn some extra money on the side. You can earn $20 or more per hour with most jobs on Rover.

One short walk with one dog can earn you $10. The more jobs you take, the more money you will get! 

Use Your Vehicle

You may not know this, but owning a reliable vehicle can actually help make you money.

Let’s look at some of the best ways to use your car for money. 

Food Delivery

Food delivery has become widely popular in the last decade. Therefore food delivery drivers are almost always in demand. 

When you sign up for Doordash or Postmates and get approved to be a driver, you will be able to start immediately. 

The best part is, you can make your own hours and work as much or as little as you would like. 

If you don’t have a vehicle, you could also use a bicycle to deliver. 

Amazon Flex

Amazon Flex allows you to use your own vehicle to deliver packages and groceries. Drivers typically earn between $18-$25 per hour by doing this. 

When you sign up and get approved to deliver, you can choose certain time blocks to deliver packages. 

This is a flexible and simple way to earn some money fast. 


If you love to shop and want to get paid for it, Instacart may be the option for you. 

All you need to do is complete a background check to get started. 

Then you will be able to choose which orders you want to shop. Once you go to the designated store and pick out all of the items, you will deliver the groceries to the customer.

Then you get paid! 

Shoppers can earn as much as $20 or more per hour

Make money driving with Instacart

Cash Out Spare Change 

As annoying as having spare change can be, it can also add up pretty quick. 

Take a look around your home and car to see if you can collect some spare change. 

Then find a bank that offers a machine that takes your spare change and gives you cash instead. 

You may not be able to make a full $20 with this, but you never know what you can find! 

Offer Babysitting Services

Do you love spending time with children? 

If so, consider offering babysitting or nanny services on Care.com

You can also offer tutoring services, senior care, housekeeping, special needs, and pet care services as well with Care.com. 

This can be a great side income if you decide to do it part-time. 

Rent Out a Spare Room 

If you have a spare room or extra space in your home, you can rent it out on Airbnb to earn some extra money. 

Airbnb is a trusted company that matches travelers and tourists with hosts that have a room or a house to rent out. 

Chances are you can make a lot more than $20 per day with a spare bedroom if you decide to rent it out. 

And you may even be able to pay for most of your rent each month by doing this. 

Complete Short Tasks 

Another way to get paid is to complete tasks either online or in-person. 

These tasks won’t replace your full time income, but can be a great way to earn $20 fast when you need it. 


Taskrabbit is a website that connects freelancers with customers who are in need of daily tasks. 

For example, if you are skilled in a particular area, you could offer your services on Taskrabbit to meet clients who will pay you to complete tasks in their home. 

Some skills that you could advertise include:

  • Plumbing
  • Home repairs
  • Help moving 
  • Shopping and delivery 
  • Furniture assembly 
  • And more

If you are able to complete any of these tasks, you could potentially earn up to $65 per hour.  

Amazon Mechanical Turk

Amazon Mechanical Turk is an Amazon-based website where individuals and businesses outsource small online tasks to those who can complete them virtually. 

These tasks are quick and low-paying, but it is an easy way to make $20 right now or whenever you have some downtime. 

The Bottom Line 

Anyone can make $20 right now just by putting in a little effort. 

Most of the ideas listed in this post are so easy, it’s like earning free money

Whether you are strapped for cash or just want to have some extra money, these options can help you get there. 

Happy hustling! 

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How to Earn Free Money Now: Realistic Ways to Earn Free Cash

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