17 Highest Paying Apps In 2022 [Perfect for Stay Home Moms]

Looking to make some extra cash from home? You are going to love my list of tried and tested high paying apps!

In case you haven’t heard, you can easily make money on your phone doing the things you usually would.

Things like grocery shopping, answering questions, and other simple tasks you never thought you could make money from…

But Are Cashback And Money Making Apps Legit? 


But I can only speak for the tried and true cash apps shared in this post.

*As an Amazon Associate I earn from qualifying purchases. This post may contain affiliate links from Amazon or other publishers I trust (at no extra cost to you). See disclosure for details.

Trust me, there are lots of scam apps out there.

Read on to see my list of the best money-making apps (all scam free) and start to earn extra cash in your free time.

RELATED: 15+ Legit Ways to Make Money from Home this Year

Top 5 Best High Paying Cashback Apps

Ebates (or Presently Rakuten – $10 Sign Up Bonus) 

This is a cash app that allows you to get cashback purchasing item(s) within the app. As long as you buy items through their app, you keep getting paid. Before this earning app was only on desktop, but they also have a mobile app. 

How Exactly Does It Work? 

  • Various stores pay Rakuten commission for sending customers to their store. When that happens, Rakuten shares that commission with you, so you both win.
  • Sign up and Log in to the app. 
  • Search the retailer you’d like to shop with. You’ll go directly to their e-commerce store and start collecting rewards automatically when you buy.
  • Get Paid. You have the option of redeeming those rewards as cash, gift cards or a PayPal deposit.

The cool thing is, you buy items on top of any discounts/coupon codes you already have. Another good news is you also take advantage of holidays, special events, and promotions, you can earn up to 12% back in some cases. 

Aside from that, they offer new users $10 just for signing up.

Ibotta – $20 Sign Up Bonus  

This is the second cashback money making app on our list. It is a very popular cash app that allows you get back a good percentage of money on every purchase made via the app. 

When you sign up you get a $10 sign up bonus. 

Here’s How It Works:

  • First, download the Ibotta App.
  • Sign up and log in.
  • Go ahead to buy any products you select at any retail store you find on the app. 
  • On Ibotta, you redeem your offers by taking a photo of your receipt. they will match the items you bought to the offers you selected and give you the cash!

Enjoy earning money with ibotta cash app…

Instacart Cashback App

Why I love Instacart is because it works both ways. Instacart pays their users for shopping and also to deliver groceries to people who may not have time for grocery shopping.

If you want to make money grocery shopping, then Instacart  is your cash app option because you can do both grocery shopping and delivering to others. 

How much you make is dependent on the size of your orders and the distance you cover, delivering items. The good thing is that this rewards app helps you with tips on how to increase your income shopping and delivering items with them. 

This is one of the top money-making apps I know and recommend for moms who are into working from home or those looking forward to starting a side hustle at home.

You can make an average of $15-$20 per hour.

RELATED: 20 Stay at Home Mom Jobs That Pay Well (up to $10,000/m)

Dosh ($5 bonus when you link a credit card)

Dosh is another cashback app that when you link your credit or debit card, shop at any selected retail stores like Walmart, Target, Macy’s online, restaurant, gas stations, you receive a decent percentage of what you bought back to your dosh wallet. 

Dosh is a free money app that is very easy to use. With Dosh you don’t need to worry about scanning receipts, logging in before you make a purchase or using promo codes. 

By just linking your credit or debit card to Dosh, you can shop on any listed merchants on Dosh. They automatically calculate the amount you spent and add your cashback to your “Dosh Wallet.” 

You can cash out your earnings from Dosh when your wallet reaches $25 or more. You can choose to receive payment via direct deposit or PayPal. 

Your cashback varies according to the merchant you shop from, for example, Macy’s online at 2.25%, Walmart offers 6%, and Target 1.25%. 

The Highest Paying Survey Apps.

If you are a little more analytic and love to research, then you are going to love these ones.

Help businesses improve their products/services by answering questions. You can make a lot of cash with these reward apps. I will be showing you survey apps that give you money for sharing your opinions with them. 

Number one on my list is…

Survey Junkie 

This is legit and the most popular survey app.

By signing up with Survey Junkie, you have access to surveys with up to $50 earning potential. 

If you attempt and complete 1-3 surveys every day, how much will you make? 

Survey Junkie is currently available only to those residing in the US, Australia, and Canada. 

This survey site has over 9 million members making money from home. Why can’t you be among those sharing its revenue working from home? When you sign up with Survey Junkie, you earn $50 per survey.

Don’t like surveys? Check out this list: 15 Genuine Online Jobs from Home Without Investment

Swagbucks ($5 signup bonus) 

Swagbucks is a cash app that has one of the easiest ways to make money. It is very simple to navigate and you earn from surfing the internet in place of using Google, Yahoo, or Bing.

You can earn on Swagbucks in these other ways too:

  • Get cashback from major retailers including Amazon, Walmart & Target
  • Taking daily surveys up to $35 per each survey
  • Watching your favorite cooking shows to win real money apps
  • Invite friends and family to earn more points (including 10% of their lifetime earnings)

Sign up now to start making money with Swagbucks.

Inbox Dollars – $5 Bonus 

Inbox dollars is a cash app or reward app that pays you to perform surveys. You also get paid for surfing the web, reading emails, or making purchases online.

Upon signing up, you get a $5 sign up bonus. 

Inbox Dollars has paid more than $57 million to its members as stated on the website and is an accredited BBB business. 

Get started today…

Here are some other survey Cash apps I also recommend for you.

Loving this list yet? We are just getting started, let’s take a look at some more free money apps.

Best Paying Investment Apps

The first on our list is…


Acorns is a real money-making app that allows you to start and build a savings portfolio with as little as $0.20 (20 cent). 

How does Acorns work? 

First, register and set up your Acorns account and link it to a credit or debit card and get a $10 sign up bonus which you can start investing. (You can link as many credit or debit cards) 

Anytime you make use of any of your linked cards, Acorns automatically put in the change into an investment portfolio for you. E.g. For example, if you buy a snack for $1.55, Acorns will round up to $2.00 and automatically invest $.45 for you.

The service costs $1 a month, but it’s free for College students.

This is a very creative way to save money for a project or your retirement! 


Truebill is a free money app that helps you to manage and save money in many different ways. It allows you to see your cash, investments, and upcoming bills all in one convenient place.

Truebill will help you win free money through their bill negotiation services. Truebill helps you to cut down your cable bill, cell phone bill, security, and other bills. 

You save money by using Truebill to negotiate some of your spending.

Trim app 

With the automated payment systems we have today, it is somehow impossible for us as moms to spot how we throw away some change that can sum up into a significant amount of dollars.

With the Trim app, you are assured of not losing money every time you use your card. How?

If you want to negotiate your bills for a lower price, lower your car insurance, etc. and find additional ways to save money, Trim can also help you with that! Trim acts as your Personal Finance Assistant.

Trim can negotiate your cable and internet bills to save you money every month.

The Trim app works by accessing your spending, and it will alert you of recurring charges that could be negotiated lower or even eliminated. 

If you want more active businesses with better returns, see my list of super-profitable business ideas for women with low startup costs.

The Most Paying Tasks/Activities Apps

MyPoints ($10 signup bonus) 

My Points is another free cash app that allows you to make free money by performing various tasks. You are accumulating points which you can exchange for gift cards from 70 or more retailers, top restaurants, or travel.

This another best money earning app I recommend for moms. MyPoints is a legit cash app, it was Featured on New York Times and Yahoo and has paid its members over $236 million via PayPal cash and gift cards.

Ways you make money on My point are:

  • Online shopping (with over 2,000 retailers)
  • Completing surveys
  • Watching videos
  • Playing games
  • Reading articles
  • Reading emails
  • Referring friends and…
  • Printing coupons. 
  • There is even an option for shopping in-store, where you can redeem points by uploading your receipt.

You qualify to withdraw your cash when you reach 480 points, or $3. More so, you can exchange your accumulated points for different gift cards. 

E.g. a $25 Amazon card requires 3,950 points, while an AMC card needs 3,520. 

Of course, you can exchange your points for a PayPal transfer if you want to but you will need to accumulate at least $25 worth of points.

Foap App 

If you love taking pictures and creating videos, then Foap App is for you. Foap App is a photo and video selling app that pays you 50% of the cash gotten from selling photos and videos for money

You don’t need a sophisticated camera to start, use your smartphone and start making extra cash with Foap cash App.

RELATED: How To Make Money Selling Feet Pictures as a Decent Mom

How does Foap App work?

Search and download the app on your Android or iPhone, upload your photos and videos. With a feature on Foap App called Missions. This is where companies will tell you what kind of photo or video they are looking for and if you decide to take on that “Mission,” and your photo/video is selected.

That’s it! You could win hundreds of dollars!

I highly recommend you to start now!


EyeEm is another money-making app just like Foap App. A photo you take and upload to EyeEm can be bought multiple times by different clients, increasing your income.

EyeEm has many photo agencies or sites as partners that demand lots of photos which give you the opportunity to sell your photos more. You earn 50% on each sale.

If you ask me, this is another option for you to make a huge income online doing what you love to do. 

RELATED: How To Make Money From Feet Pictures (Even if You Have Ugly Feet)

Other High Paying Cash Apps


Do you want to lose weight? What if I tell you that you can lose weight in the most exciting way? HealthyWage is a cash app you can win real money with. it pays people tons of money to lose weight.

HealthyWage is supported by the Government to incentivize people to lose weight by putting their own money at risk. You can earn up to $10,000! 

Here’s How it Works:

  • First. Start by using the HealthyWage Prize Calculator to enter how much weight you want to lose, how long you can take to lose it, and how much you want to bet per month for that period of time. 
  • The calculator determines your prize amount, up to $10,000. 
  • Sign up and agree to pay the monthly amount for the duration of the challenge.
  • Go ahead to achieve your weight-loss goal, and win your prize! If you don’t hit your goal, your money goes to support HealthyWage and as prizes for others who achieve their goals.


Do you have some used electronics like games, CDs, DVDs, phones, tablets, and laptops?

Declutter is the right money making app for you to make money by selling your old electronics. 

Here’s How it Works:

  • Submit your choice electronics and they will tell you the worth for everything you want to sell.
  • If you accept the valuation, they will send your free shipping label by email or regular mail (you can choose) after you complete your order to ship it to them for free. 
  • After your items arrive at their warehouse, they will check the item(s) over, and you’ll get paid the day after by PayPal, Direct Deposit, or Check!

RELATED: How To Make Money Selling Crafts & Other Stuff at Home

LetGo App

Letgo is a great cash app that works like Craigslist and Pinterest. If you want to be comfortable selling your personal items in person LetGo is the real deal for you. 

Letgo is 100% free to use, they don’t charge you like eBay and other apps do to list your item(s) and they don’t take a cut after the final sale. 

You may be losing 10-20% of the final value selling items on other apps. But LetGo is one of the easiest ways to achieve that at almost no cost to you.

RELATED: 71 Most Profitable Crafts to Make and Sell Online

Rover App

If you like dogs and want to care for them, then you can turn your spare time into cash with the Rover app. 

On Rover, you sign up as a dog sitter, you are then connected with a network of pet owners nationwide who need dog pet sitting, walking, or boarding. 

Dog owners could go on vacation or may be busy, not having enough time to care for their pets. Just be ready to cater to the specific needs of the dog and update the owners with photos for them to ascertain the well-being of their pets. 

On your profile you can decide your rate, accept or reject any requests that come through.

Rover is a simple home-based pet sitting and dog walking business I highly recommend for moms.

This is something your kids too can do, so get them involved if you like. And here’s a list of more jobs your kids can do from home.

Final Thoughts

Thanks for sticking with me to the end.

I’m sure by now you’ve found at least 3 legit apps to sign up with and start making extra cash on your smartphone today.

So go get busy, answer a quick survey while you change baby’s diaper, get cashback when you shop and more!

Looking for more ideas to make money?

Check out these handpicked posts for more ways to make money from home:

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