In today's digital age, there are many ways to earn money online without investing any cash upfront. Whether you're a student looking to make some extra pocket money or someone who wants to start a side income , online money-making apps offer easy opportunities .

In this blog post, we will look at the top 20 online money earning apps that allow you to earn real cash rewards and gift cards without any investment. These apps pay you to complete simple tasks like taking surveys, watching videos, playing games, and more. We will also provide tips on how to maximize your earnings and a comparison of how these apps stack up against top competitors.

Top 20 Online Money Earning Apps Without Investment

1. Swagbucks

Swagbucks is one of the most popular reward platforms that pays users to complete various online activities. You can earn Swagbucks (SB) by:

Taking surveys
Watching videos
Playing games
Online shopping
Completing offers
Referring friends
You can then redeem your SB for gift cards from Amazon, PayPal cash, and more. One of the best things about Swagbucks is that there's no minimum cash out, so you can redeem even small amounts.

Estimated earnings: $10-$15 per month

Payment method: Gift cards, PayPal cash

Referral bonus: 300 SB ($3)

Best for: Surveys, shopping portals

2. Survey Junkie

As the name suggests, Survey Junkie specializes in online surveys through which you can earn money. All you have to do is share your opinion on various products and services by taking short surveys.

Estimated earnings: $50-$100 per month

Payment method: Cash via PayPal, e-gift cards

Referral bonus: $10 for every user you refer

Best for: Surveys

3. InboxDollars

InboxDollars is another leading rewards club that pays you to watch videos, take surveys, play games, and more. Some of the ways to earn include:

Reading emails
Completing offers
Online shopping
Referring friends
InboxDollars has one of the largest selections of rewards, so you can choose to get paid in cash or gift cards for Amazon, Macy's, and other major brands.

Estimated earnings: $40-$50 per month

Payment method: Check, prepaid card, gift card

Referral bonus: $5

Best for: Surveys, offers

4. Rakuten

Rakuten, formerly known as Ebates, gives you cash back for online purchases you make through their shopping portal. All you have to do is access the Rakuten website or app before making a purchase at one of 3,500+ partner stores.

You can earn anywhere from 1-20% cashback on your purchases. When you accumulate at least $5 in cashback, you can get your earnings via check or PayPal.

Estimated earnings: Variations based on purchases

Payment method: Check, PayPal

Referral bonus: $30

Best for: Shopping portals

5. DailyRewards

As the name suggests, DailyRewards gives you the opportunity to earn daily cash rewards for completing simple tasks like polls, games, quizzes, etc. You need to log in daily and complete the tasks to earn rewards.

Estimated earnings: Up to $50 per month

Payment method: PayPal

Referral bonus: 10% of your referrals' lifetime earnings

Best for: Daily logins, playing games

6. Nielsen Computer and Mobile Panel

Nielsen is a well-known name when it comes to TV ratings and market research. By installing the Nielsen app on your devices, you can earn rewards just for sharing your internet usage data anonymously.

Nielsen periodically has additional surveys and tasks to help boost your earnings. The rewards can be redeemed for cash, gift cards, and other prizes.

Estimated earnings: $50-$100 per year

Payment method: Points can be redeemed for gift cards or cash deposited to PayPal.

Referral bonus: $5 Amazon gift card for each referral

Best for: Sharing internet data

7. Swagbucks LIVE

This is a relatively new addition to the Swagbucks ecosystem. The Swagbucks LIVE app allows you to earn cash rewards for watching live trivia game shows daily.

You can test your knowledge on a variety of topics while having fun and winning real cash. Winners can get paid via PayPal or gift cards.

Estimated earnings: Varies based on how many shows you win

Payment method: PayPal or gift cards

Referral bonus: N/A

Best for: Trivia and live shows

8. Solitaire Cube

Solitaire Cube gives you the chance to earn money by playing games! You can play solitaire on the app and earn cash rewards based on your performance in the game. There are also daily challenges and tournaments to boost your earnings.

Estimated earnings: Up to $50 per month

Payment method: PayPal

Referral bonus: 10% of referrals’ earnings

Best for: Playing games

9. Lucktastic

Lucktastic is an app that allows you to play scratch card games for free and win real money and gift cards. You can play instant win scratch cards or collect tokens to unlock more chances to play and win.

Estimated earnings: $10-$20 per month

Payment method: Gift cards, prepaid Visa cards

Referral bonus: $1 for each download

Best for: Scratch cards, daily spins

10.AppDown

AppDown pays you to try out new apps and games. All you have to do is download sponsored apps, open them for a specified amount of time, and then you can uninstall them. The more apps you try, the more you earn .

Estimated earnings: $5-$10 per month

Payment method: PayPal, gift cards

Referral bonus: $0.20 per referral

Best for: Downloading & testing apps

11.Slidejoy

Slidejoy pays you to put their sponsored lock screen wallpapers on your Android phone. Simply download the app to start earning passive income each time you use your phone. You will also receive targeted ads and offers.

Estimated earnings: $5 per month

Payment method: Gift cards

Referral bonus: $0.25

Best for: Passive income from lock screen ads

12. AppKarma

AppKarma has you complete various tasks like downloading apps or watching videos to earn "AppKarma points." You can then redeem the points for free gift cards from brands like Amazon and Starbucks.

Estimated earnings: $10-$20 per month

Payment method: Gift cards

Referral bonus: $0.50 for each user referred

Best for: Downloading apps, promotional offers

13. Fetch Rewards

Fetch Rewards has you earn rewards by scanning and submitting photos of any grocery or retail receipts. For each receipt, you earn points that can be redeemed for gift cards to popular retailers.

Estimated earnings: $5-$10 per month

Payment method: Gift cards

Referral bonus: 2,000 points

Best for: Submitting photos of receipts

14. Shopkick

Shopkick lets you earn "kicks" just for walking into certain partner stores, scanning select products, making purchases, and more. These kicks translate into gift cards and other rewards.

Estimated earnings: $2-$5 per month

Payment method: Gift cards to Target, Starbucks, Amazon, etc.

Referral bonus: 250 kicks

Best for: In-store actions

15.Perks

Perk allows you to earn Perk points for watching videos, playing games, and completing various tasks on your phone. You can then redeem for gift cards or transfer your rewards to Perk Plastik, a branded debit card.

Estimated earnings: $5 per month

Payment method: Perk Plastik debit card, gift cards

Referral bonus: 500 Perk points ($0.50)

Best for: Videos and games

16.Whaff Rewards

Whaff Rewards is another app that rewards you for trying new apps and games. You can also earn by completing surveys, watching videos, and playing games on their platform. Rewards are paid out via PayPal or gift cards.

Estimated earnings: $5-$10 per month

Payment method: PayPal, Amazon, Best Buy, Xbox gift cards

Referral bonus: 10% of referrals' earnings

Best for: Downloading apps, playing games

17.Rewardable

Rewardable pays you cash rewards for completing various online activities like answering polls, watching videos, trying products, and referring friends. You can cash out instantly when you meet the $1 minimum payment threshold.

Estimated earnings: $10-$20 per month

Payment method: PayPal

Referral bonus: $0.50

Best for: Surveys, videos, daily polls

18.Long Game

Long Game encourages you to save money by rewarding you with coins and chances to win cash prizes the more you save. You can earn additional coins by playing games and completing tasks in the app.

Estimated earnings: Varies based on how much you play and save

Payment method: Cash via debit card or bank transfer

Referral bonus: 1,000 coins

Best for: Saving money, games

19.SB Answer

SB Answer gives you paid surveys tailored to your background and demographic information. All surveys are short, taking just 1-2 minutes on average to complete.

Estimated earnings: Up to $50 per month

Payment method: PayPal

Referral bonus: $0.50 for each survey completed by referrals.

Best for: Short surveys

20. Crowdology

Crowdology sends survey opportunities to your inbox based on your specific profile information. You earn points for the surveys you complete, which can be redeemed for cash via PayPal.

Estimated earnings: $10-$20 per month

Payment method: PayPal

Referral bonus: $3

Best for: Email surveys

Tips to Maximize Your Earnings
Here are some tips to help you earn the most money possible from online earning apps:

Take advantage of referral programs - Referring friends is one of the easiest ways to boost your earnings in many apps.
Complete your profile - Provide as much accurate information as you can so you qualify for more relevant surveys and offers.
Be patient - It may take some time for surveys and payouts to start rolling in when you first start using these apps.
Complete email/SMS verification - Many apps require extra verification steps before increasing your earnings and cashout limits.
Look out for special offers - Certain activities, games, or offers may have temporarily higher payouts.
Install apps from multiple platforms - Having 2-3 paid apps services will ensure you always have earning opportunities.
How These Apps Compare to Top Competitors
The top competitors in this space are other survey and rewards platforms like PrizeRebel, PointsPrizes, and FreeCash. Here's how some of the apps mentioned above stack up:

Swagbucks offers a wider variety of earning activities compared to PrizeRebel and FreeCash which focus more narrowly on surveys. Swagbucks also has among the highest referral bonuses.
InboxDollars pays significantly higher average amounts for surveys compared to PointsPrizes. It also offers a $5 signup bonus.
Survey Junkie has a smoother mobile app experience than FreeCash, and provides one of the quickest PayPal cashouts.
Rakuten offers the highest cashback rates on online purchases, averaging over 10% versus just 2-3% from competitors like CouponCabin.
So while there are several quality options, services like Swagbucks and InboxDollars tend to pay better for promotional activities than survey-centric sites like PointsPrizes. Investing time across 2-3 apps is ideal.

Frequently Asked Questions

Which is the no 1 earning app without investment?

Based on estimated monthly earnings potential, Swagbucks is likely the top earning app without any investment needed. Their varied options to earn like surveys, games, and shopping portals provide the most opportunities.

How to earn 1,000 rupees per day online?

Some ways to realistically earn Rs. 1,000 per day online without investment are:

Complete 10-15 paid surveys on apps like Survey Junkie or InboxDollars. Surveys pay $1-$5 on average.
Watch 5-10 hours worth of videos on Swagbucks. This can generate around 300 SB ($3) per hour.
Refer 2-3 friends to services like Rakuten and Swagbucks for signup bonuses.
Enter giveaways and sweepstakes on websites like Lucktastic for chances to win.
Resell thrifted items for a markup on apps like Letgo and OfferUp.
Which is the No 1 trusted money earning app?
Swagbucks is the most trusted and reputed online money earning app without investment needed. It has been around since 2008, offers numerous ways to earn daily, and pays out reliably to PayPal and gift cards.

Which app gives real money?

Some apps that pay out real money include:

InboxDollars - Get paid for surveys, emails, games, and more via check, PayPal, or prepaid card.
Lucktastic - Win real cash playing scratch card games.
Swagbucks - Earn cash back when shopping online and get paid to watch videos and take surveys.
Long Game - Get cash prizes and rewards when you save money in a special savings account.
Which is 100 percent real money earning app without investment?
Survey Junkie is a 100% legit and trusted app that pays you real money for sharing your opinions in online surveys. It has paid out over $50 million to members since 2005 and has an A rating on BBB. There's no investment required to start earning.

Final Thoughts

These are some of the best money making apps that allow you to earn supplemental income without any financial investment. By utilizing apps that pay you for activities like taking surveys, playing games, shopping online, completing offers, and more, you can easily earn extra cash or gift cards each month.

Just an hour a day spent on these apps can add up to over $100 per month in rewards. So install 2-3 free earning apps, take advantage of referral bonuses, and complete consistent daily activities on each app to maximize your earnings. The extra money will quickly add up over time from these easy online tasks.