HOW TO GET FREE MONEY RIGHT NOW
HOW TO GET FREE MONEY RIGHT NOW. Here are some reader favorites (a.k.a. the best ideas) for earning free money.
#1 — SWAGBUCKS
Is it legit? 3.7/5 rating with 1,500+ reviews in the App Store
Sign-up bonus: $5
It only takes a minute to sign up for this site, and you’ll earn $5. You can get free cash or gift cards just for doing what you normally do online.
You can shop, surf the web, fill out surveys, or even get paid to watch videos.
SWAGBUCKS QUICK SUMMARY
- Free to sign up and free to use
- Make money when you shop online, watch videos, take surveys, and discover deals and promo codes
- Paid out over $300,000,000 in rewards and has an A rating from Better Business Bureau
- Get $5 just for signing up
#2 — SURVEY JUNKIE
Is it legit? 8.9/10 rating on TrustPilot
Sign-up bonus: Varies
Survey Junkie makes it easy for new users to rack up points with simple tasks like confirming your email address, watching a “how it works” video, and filling out a short profile survey.
When we ranked the best survey sites, Survey Junkie came out as one of the best.
Start earning with Survey Junkie now.
SURVEY JUNKIE QUICK SUMMARY
- Earn money sharing your opinion to help brands deliver better products & services.
- 92% Positive reviews on TrustPiliot (highest among survey sites)
- Redeem points through PayPal or gift cards to stores like Amazon or Walmart.
LEARN MORE NOW
#3 — TRIM FINANCIAL MANAGER
Any post on free money can’t be complete without mentioning Trim Financial Manager.
Trim is not a mobile app (and therefore has no reviews). Nor does Trim have a page on TrustPilot or the BBB.
However, it’s become one of my favorite personal finance tools.
What Trim does is identify ways for you to save money. Then, in some cases, Trim will handle the entire money saving task.
For example, say you want to save money on your cable or phone bill. Trim has a robotic assistant that negotiates with the provider on your behalf.
The other month, Trim negotiated a $30 discount on my internet bill for a long service delay. Ironically, I was on vacation at the time, so I didn’t even realize my internet was down.
The below email just showed up in my inbox one day:__________________________
TRIM QUICK SUMMARY
- Saves you money by cutting unused subscriptions, negotiating bills & earning cash back
- Saved users over $1,000,000 in the last month
- New York Times called Trim, “a good warning for consumers who hate not getting what they are paying for or paying for things that they are not getting.”
#4 — GET A FREE BANK BONUS
Have cash sitting in a checking or savings account? If so, it makes sense to find a bank that pays a high-interest rate.
Even if you don’t have a lot of cash on hand, consider shopping for banks to avoid fees. Some banks charge you for just about everything (overdrafts, ATM usage, account minimums, etc.). As such, finding a bank that doesn’t nickel and dime you puts more money in your pocket.
Fiona is a free search engine that helps you find the bank that pays the highest interest rate in your area. You’ll also see important information up-front, such as available bonuses, account minimums, and overdraft protection.
No personal information is required. Just enter your zip code to get the results.
When I did this, I found a bank that paid 22x the national average on their savings accounts!
HERE’S AN EASY FRUGAL HACK THAT WILL MAKE (OR SAVE) YOU MONEY
Head over to Fiona, which is a free search engine that helps you find the bank that pays the highest interest rate in your area. No personal information is required, just enter your zip code to get the results. When I did this, I found a bank that paid 22X the national average on their savings accounts!
#5 — GET A CREDIT CARD SIGN-UP BONUS + MAXIMIZE CASH BACK
Credit cards are my personal favorite when it comes to free money. In fact, I’ve used credit card rewards to save thousands on travel over the years.
You can earn anywhere from 1% to 5% back on your purchases. Then, there are sign-up bonuses, which can get upwards of $500 or more.
But keep this one important rule in mind: this is only a moneymaker if you pay off your credit card debt in full each month!
As a general rule, the better your credit score, the more you can earn via a sign-up bonus and cash back. If you’re not sure what your credit score is, sign up for a free service like Credit Sesame.
Once you have your score, here are cards worth looking into:
FOR GOOD CREDIT (700+ CREDIT SCORE)
For those with good to excellent credit history, the Chase Freedom Card has a $150 sign-up bonus and no annual fee. You’ll then get 5% cash back in rotating quarterly categories.
Another option is the Chase Freedom Unlimited. It has a $150 sign-up bonus (after spending $500 in the first three months), and you get 1.5% cash-back on everything you buy.
For bigger spenders, there’s the Chase Sapphire Preferred card that offers a $600 sign-up bonus (worth $750 when used for travel) after spending $4,000 in the first three months. You’ll then earn two points per dollar spent on travel and dining, and one point on everything else.
FOR FAIR CREDIT (600 TO 700 CREDIT SCORE)
For those with fair credit, check out the ABOC Platinum Rewards Credit Card.
It’s one of the few cards for those with average credit that comes with a sign-up bonus. The current offer is a $150 statement credit after spending $1,200 on the card within 90 days of account opening.
Other benefits of the card include:
- A 0% intro APR on both purchases and balance transfers in the first 12 months.
- Also, Rotating 5% cash back categories on up to $1,500 in spending. Earn 1% cash back on all other purchases.
- No annual fee.
FOR BAD CREDIT (BELOW 600 CREDIT SCORE)
If you have bad or poor credit, you’ll have to increase your score before qualifying for the best cards. One way to do that is with a secured card, which requires a small deposit and helps you build credit by reporting your activity to the credit bureaus.
One of my favorite secured cards is the Capital One® Secured Mastercard®. Based on your credit score, you’ll make a refundable deposit of either $49, $99 or $200. The maximum credit line for the Capital One Secured Mastercard is $1,000.
The card comes with a $0 annual fee and no foreign transaction fees. The biggest downside is that the APR runs high. So, make sure you always pay your balance in full.
The goal with a secured card is to use it to improve your credit score. Depending on where you’re at today, this may only take a few months. Once you establish a better credit history, you can then move to better cash-back cards.
TO GET FREE MONEY RIGHT NOW