Money Apps That Even Rich People Would Use

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

Frugality is actually the main character in wealthy people’s lives.

And it’s not just “rich old people” that are frugal, we’re talking about Mila Kunis, Jennifer Lawrence, Mark Zuckerberg, and even Ed Sheeran, who was once homeless and now worth $200 million budgets himself to only spend $1,000 a month.

So yes, even celebrities clip coupons and choose to live like average joes and janes in order to keep their wealth and not live from large paycheck to large paycheck like Johnny Depp.

Below is a mix of fun as well as practical money apps that we think even frugal rich people would use.  For everyday folks like us, it’s nice to get something extra for doing stuff you already do!

1. A Legit Way to Earn $750 This Week

You can get $750 direct deposited into your Cash App account and all you have to do is try out some deals. The catch? You can only do this once a year!

Seriously, anyone 18+ can participate in Flash Rewards, a rewards program that’s been around since 2016 and has rewarded $12 million to members over time.

So how do you get the money? Answer: You just have to follow the instructions carefully!

Flash Rewards work by showing you “deals” they think you would like. This includes mobile apps and games, subscriptions, financial services, etc. Each type of deal you choose has its own mini task to complete.

  1. Head over to Flash Rewards and fill out basic info (Email, Name, etc.)
  2. Take a quick Survey (it helps figure out the optional offers & required deals to recommend)
  3. Complete deals by shopping Flash Rewards’ great brand name partners.
  4. Important: Follow the instructions on completing the specific number of deals for each level and get to Level 5 to get the maximum reward! (there are plenty of deals to try – some are free trials or app downloads, others require a purchase!)
  5. Claim the reward and get it in about a week!

You won’t get your reward if you don’t complete the required amount of deals. Sure, it takes a little more effort but it’s legit. Get your $750!

2. Get $10 to Invest in the Legal Cannabis Industry and Crypto. No Experience Necessary.

6 million customers already use Stash, an investment app, lets you start investing with as little as $1 and you can choose where to put your money, and they’ll provide guidance and tools to help. You can invest in some of the major companies that you regularly use to make a custom Personal Portfolio.

You can even invest in the legal cannabis industry which is big business as retail sales are projected to hit $70 BILLION by the end of 2028.* 

Plus, with Stash Growth and Stash+, you can also choose the Smart Portfolio option which offers hands-off stress-free investing based on your risk tolerance. You also get exposure to cryptocurrency through handpicked trusts managed by Grayscale. Stash’s customers can invest in the world’s largest Bitcoin fund, Grayscale Bitcoin Trust, and Grayscale Ethereum Trust, giving access and exposure to emerging asset classes via trusted investment vehicles. They make it easy to invest in crypto when you don’t know where to start!

It takes less than 2 minutes to start and they’ll even give you $10 to start investing when you sign up and deposit $5 or more into your Personal Portfolio.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

3. Turn Your iOS Screen Time Data Into Cash

Share information on how you use your iPhone and get rewarded with the MSR app.

MSR uses simple “video tasks” instead of boring surveys. A 2-minute video task pays out as much as an average 20-minute survey on other platforms. Easy!

You’ll earn points and redeem free gift cards from 40+ brands including Amazon, VISA, and more. Or you can earn straight cash via PayPal. Plus, it’s free to join! 

Within the first 4 weeks, members have earned more than $20 in rewards with minimal effort. There are also surveys and other earning opportunities available.

For extra rewards, refer friends to earn 40% of everything they get for passive earning!

4. Pop Bubbles to Win Legit Cash

The classic bubble game is now 3-minutes long to pop as many bubbles as you can. Bonus points for clearing the whole board!

Check out Bubble Cash where you can go on a popping frenzy against real players online to win actual cash if you get the highest score. Drop a bunch of bubbles at once and get those bonus points!

“This game is simple yet strangely entertaining. I use it to wake up my mind in the morning and sometimes to relax at night.” – SushiCami

“Finally a game that isn’t a scam! I won $71 yesterday on Sunday and today on Monday it was already in my Paypal” – Mzmari

Play for free, and then switch over to cash games whenever you want. Just note that cash tournaments aren’t available in AZ, AR, IA, LA, MD & SC but everywhere else is fair game to win actual money!

5. School Competitors in Solitaire and Ca$h In

Check out Solitaire Cube, which is like regular Solitaire, except you get to play for real cash.

The game matches you with players of the same skill level, so all is fair. You could win some serious cash, like Katie N. who took home $380,984 as one of the Top 10 Solitaire Cube players! Even casual players like Amanda, a stay-at-home mom from IL, won a 55″ TV, $6,000, and more prizes.

So if you think you can handle playing some Solitaire Cube to win legit cash, definitely download this game for free. Cash tournaments aren’t available in AZ, AR, CT, DE, LA, ME, MT, SC, SD, TN, IN but you can still play for prizes!

BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

6. Fetch All Your Receipts (Even Virtual) & Get Free Money Back

Alice Ly / The Smart Wallet

Check your pockets; check your purse. And keep receipts.

Grab all the recent receipts you have, even gas receipts, and scan them into Fetch Rewards to earn points towards free money. Even better? Connect your email inbox and it’ll count your email receipts too from Amazon, Instacart, Shipt, and more!

Basically, shop at any store (grocery, drugstore, warehouse, everywhere and online), snap a pic with the app, and boom, you’ve got points for money. Upload your gas station, restaurants, and drive-thru receipts too.

There’s no minimum spend, no need to manually select items, just scan in any receipt from any store or gas station, and it’ll automatically reward you. Use the free money to pay for your next tank of gas!

Be sure to grab 2,000 welcome points on us when you use promo code REWARD before scanning your first receipt!

7. Scan the Stuff You Buy & Get Free Rewards

The exclusive National Consumer Panel (NCP) program is opening up again for more participants! Make your voice heard and get paid for it!

Panelists use the app to scan barcodes of items purchased & provide details. You’ll then earn points for gift cards, tech like tablets and flat-screen TVs, and much more from their gift catalog!

The more you share your shopping habits (scan barcodes), the more rewards you can get. It’s a fun way to earn more rewards on items you’ve already purchased and at no extra cost to you.

Register now to see if you’re eligible to be a National Consumer Panelist. If you don’t get accepted based on your location, don’t worry!  They’re always expanding locations, so check back again.

8. Get Paid for Playing Match 3 Games

Puzzle game lovers will love Match to Win, a free to play game where you can win cash rewards through 300+ exciting levels spanning across Hawaii, Paris, San Francisco, and more.

It’s simple. When you clear a level, you earn coins, which are redeemable for instant win scratchers, prize wheels, and sweepstakes up to $2,500! And yes, it’s legit – there are already over 135K reviews with a 4.5 average rating!

Also, join the daily Cash Dash event where players enter a sweepstakes race by collecting in-game trophies. Be among the first Top 25 players for bonus prizes of $5 to $10! Cash out via PayPal when you reach $7.

So download and play for free to start winning cash!

9. Not Your Grandma’s Bingo - Play Anywhere for Cash

Ditch the paper sheets and giant stamps in favor of Blackout Bingo, a fast-paced and competitive bingo game that you can play anywhere on your phone. And even against your friends virtually.

2 minutes. That’s all you need per game where you play against another person around the world. Tap the numbers fast and correctly to get bonus boosts for more points!

Play for free against real people for prizes or switch over to cash games to win…cash! Cash game winners can win up to $1,000 or more in mini-tournaments but aren’t available in AZ, AR, CT, DE, LA, MT, SC, SD, and TN.

BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

10. This App Can Help You Earn an Extra $5,500 Per Year

Side gigs and WFH opportunities are here to stay, and one of the easiest ways to find these opportunities is via the free Steady app. Their community of 5 million members agrees- it’s one of the best free ways to find flexible jobs, cash grants, along with quick Income Boosters to earn extra money!

It’s simple:

  1. Download Steady and create a free account
  2. Securely link your bank account to track financial progress and receive income boosters
  3. Try your first Income Booster; earn up to $75 each and they’re easy to do!

On average, Steady Members can lift their income by an extra $5,500/year after joining Steady for free. 

11. Play Solitaire to Win Cash. No Longer a Single Player Game.

Less than a few minutes. That’s all you need to win real cash when you play  Solitaire Cash, a fun Solitaire game with a modern twist.

It’s like regular Solitaire but you compete against other players at the same skill-level as yours to see who can solve the deck the fastest, and for cash! Play in groups of 5 or more and the top 3 for each game wins.

Players have already won thousands of dollars! Solitaire Cash is free to download and play but cash tournaments are specifically not available in AZ, AR, IN, IA, LA, ME, MD, SC, MT & SD.

If you like playing quick games for chances to win cash, check it out.

12. This Paid Survey Panel Gives Out 7,000 Gift Cards Daily

There are a lot of survey programs out there, but none as popular as Swagbucks, a free rewards program where you can earn cash for your time and opinion. Members can earn an average of $50 a month!

Get rewarded for doing surveys, online shopping, uploading receipts, and playing fun games, but the one activity that earns you the most points is completing surveys. Redeem points for free gift cards, cash, and crypto vouchers. There are hundreds of different offers to explore and complete!

New members can get a free $5 just for signing up, so join the other 10 million members already part of Swagbucks and start earning free rewards!

13. 21 + Solitaire = Real 💰 and Serious Fun

Check out 21 Blitz, an extremely fun and fast-paced mobile card game. Play against real people at your skill level to compete for cash and prizes like tech, kitchen appliances, even a car!

It only takes 3 minutes to play. Make as many 21s as you can before the clock runs out or until you run out of moves.

Play for free against real people for prizes or switch over to cash games to win…well, cash! Currently, players are invited to play in a guaranteed $23,000 prize pool tournament. Plus, get up to $30 for each friend you refer. Cash tournaments not available in AZ, AR, CT, DE, LA, ME, MT, SC, SD, TN, IN but you can still win some amazing prizes!

14. You Can’t Control Gas Prices so Save $720/Year on Car Insurance Instead

Gas prices are continuously hitting record highs but there’s little you could do besides checking which station has the lowest price at the moment.

But with car insurance, you can check in 30 seconds if you’re overpaying since on average, people spend $720/year more than they should. It’s easy:

  1. Head over to The Smart Wallet’s auto insurance portal and connect your current insurance (no long form to fill out!)
  2. We’ll instantly check for a better deal
  3. See your savings!

A satisfied customer had said “I left Geico. I was paying $150, now thanks to you guys, I’m only paying $50!”

Once we find you a better deal and you choose to switch, we’ll help you cancel your old policy, enroll you in the better one, and get a full refund on the unused portion of your prior payments. It’s the simplest and easiest way to get a refund on your overpriced car insurance policy.

15. The Best Financial App That’ll Save You $720/Year + Track Your Net Worth

Knowing your net worth isn’t just for rich people. It’s a financial report card that can tell you if you’re on the right track or if you need a wake-up call. To calculate it, you need the value of all your assets (things you own) minus your liabilities (things you owe). But wouldn’t it be nice if there were a tool that tracked your net worth over time for you?

Enter Truebill, the free money management app that’s like your personal finance assistant. It groups all your banking accounts together so you can see your earnings and spending in one spot. Plus, it helps you budget even if you don’t know how to.

  • The app will find all your recurring bills and subscriptions (even those you forgot about)
  • Truebill can help lower your bills by 20% (they negotiate for you)
  • The app also helps you start budgeting and set up auto-savings too
  • Their newest feature easily tracks your net worth

See what your savings could be with Truebill and start tracking your net worth too!

16. Affordable Car Insurance Exists - Save Up To $610

You’re probably overpaying on your current auto insurance without even realizing it.

  1. Just check on EverQuote to start comparing
  2. They’ll check from plenty of agencies to find you the best deal
  3. Pick your savings!

It literally takes less than 4 minutes to fill out the form to start saving big. EverQuote can save drivers up to $610 a year on average* compared to their current insurance premiums.

It’s super simple so try it out to see how much you could be saving on the road!

17. A Legit Way to Earn $750 This Week

You can get $750 direct deposited into your Cash App account and all you have to do is try out some deals. The catch? You can only do this once a year!

Seriously, anyone 18+ can participate in Flash Rewards, a rewards program that’s been around since 2016 and has rewarded $12 million to members over time.

So how do you get the money? Answer: You just have to follow the instructions carefully!

Flash Rewards work by showing you “deals” they think you would like. This includes mobile apps and games, subscriptions, financial services, etc. Each type of deal you choose has its own mini task to complete.

  1. Head over to Flash Rewards and fill out basic info (Email, Name, etc.)
  2. Take a quick Survey (it helps figure out the optional offers & required deals to recommend)
  3. Complete deals by shopping Flash Rewards’ great brand name partners.
  4. Important: Follow the instructions on completing the specific number of deals for each level and get to Level 5 to get the maximum reward! (there are plenty of deals to try – some are free trials or app downloads, others require a purchase!)
  5. Claim the reward and get it in about a week!

You won’t get your reward if you don’t complete the required amount of deals. Sure, it takes a little more effort but it’s legit. Get your $750!

18. Pop Bubbles to Win Legit Cash

The classic bubble game is now 3-minutes long to pop as many bubbles as you can. Bonus points for clearing the whole board!

Check out Bubble Cash for iOS where you can go on a popping frenzy against real players online to win actual cash if you get the highest score. Drop a bunch of bubbles at once and get those bonus points!

“This game is simple yet strangely entertaining. I use it to wake up my mind in the morning and sometimes to relax at night.” – SushiCami

“Finally a game that isn’t a scam! I won $71 yesterday on Sunday and today on Monday it was already in my Paypal” – Mzmari

Play for free, and then switch over to cash games whenever you want. Just note that cash tournaments aren’t available in AZ, AR, IA, LA, MD & SC but everywhere else is fair game to win actual money!

19. Play Solitaire to Win Cash. No Longer a Single Player Game.

Less than a few minutes. That’s all you need to win real cash when you play Solitaire Cash, a fun Solitaire iOS game with a modern twist.

It’s like regular Solitaire but you compete against other players at the same skill-level as yours to see who can solve the deck the fastest, and for cash! Play in groups of 5 or more and the top 3 for each game wins.

Players have already won thousands of dollars! Solitaire Cash is free to download and play on iOS but cash tournaments are specifically not available in AZ, AR, IN, IA, LA, ME, MD, SC, MT & SD.

If you like playing quick games for chances to win cash, check it out.

20. Not Your Grandma’s Bingo - Play Anywhere for Cash

Blackout Bingo is a fast-paced and competitive bingo game that you can play anywhere on your phone. And even against your friends virtually.

2 minutes. That’s all you need per game where you play against another person around the world. Everyone sees the same card and balls so by daubing (tapping the number) fast and correctly, you’ll get bonus boosts for more points! Tap the incorrect number and points will get docked so don’t get sloppy!

You can play for free on iPhone against real people for prizes or switch over to cash games to win…cash! Cash game winners can win up to $1,000 or more. Residents of AZ, AR, CT, DE, LA, MT, SC, SD, and TN can’t participate in cash games but can win prizes!

BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

21. Get Paid in Gift Cards if You’re Chill with Lock Screen Ads

With S’more you get paid every day you unlock your phone. It’s even easier than it sounds, and since you can cash out with as little as $1 there’s no waiting around for your rewards.

Just by using your lock screen, watching videos, shopping, and even trying out apps can earn you money. S’mores pays in gift cards so you can redeem for:

  • Amazon
  • Walmart
  • Target
  • CVS
  • GameStop
  • Domino’s Pizza
  • Starbucks and more!

Just use your Android normally, and your earnings will apply daily.

BONUS: Get Quick Cash Within 48 Hours Just by Playing Games

When you need a couple of bucks now, just download Rewarded Play, where you can earn your first $5 gift card within 48 hours just by playing some games.

This free Android app has hundreds of games to choose from; including Yahtzee, Scrabble Go, and Design Home where you can earn cash quickly. Redeem points for the gift cards of your choice from 20+ retailers, including favorites like Target, Amazon, Walmart, Best Buy, etc.

Points add up quickly, so spend your phone time casually gaming to earn cash!

BONUS 2: Get Paid to Try New Games. Regularly Cash Out Up to $25

Play games = make some money. All you need is Mistplay, an Android game platform where you can try new games to earn points redeemable for gift cards like Amazon, VISA, PlayStation Network, XBOX Live, and more.

In this Google Play app, all available free games are listed so just take your pick to try, especially high unit multiplier games! On average, players are cashing out between $10 – $25 regularly.

You’ll only get paid for playing games if Mistplay is running so be sure to always install games from the Mistplay app! New members get a BONUS 250 units just for signing up.

BONUS 3: Get Paid Up to $600+ Listening to Free Music and Playing Games

Music and games. If this is something you reach for daily, then congrats, you’re one step closer to getting paid to do something you enjoy.

Mode Earn App is a free Google Play app that literally pays you to listen to music and play games! The more music played, the more you can earn points to redeem for cash, gift cards, and rewards. Choose from 100,000+ radio stations worldwide to discover new music or revisit your favorite artists.

Reward options include Amazon, Target, Starbucks, Google Play gift cards, PayPal Cash, and tech prizes like smartwatches, mini drones, Bluetooth speakers, and more.

You can earn up to $600/year or more just by listening to free music and playing games! When you want to take a break from listening, then go into Tasks & Offers to play games, where the longer you play, the more you earn. You’ll also earn just by charging your phone too.

Even better, refer friends to get up to $250 and 5% of their music earnings for life too. Turn on the app whenever you want to listen to music and earn extra money while doing errands, jogging, working, or when you need a mood booster!

BONUS 4: Make Easy Money Just Trying and Playing Games

One of the best ways to kill time is to check out new games that you can play to have fun and still feel productive. How? Check out AppStation, an Android app that pays you to try out new games. Yes, you’ll get paid just to play games.

When you earn coins from trying new games, you can redeem them for popular

  • PayPal Cash
  • Amazon gift card
  • Playstation/XBOX gift cards and too much more to list!

Your friends can get in on the money action, too. Introduce them to AppStation on Google Play, where you’ll get bonus coins and 25% of all their earnings. To make it a supportive group, your friends will also earn 25% of your earnings too!

Sign up now and get a 4,444 coin welcome bonus, which is around 50 cents in value. Cashout as low as $1!

BONUS 5: Play Fun Word Puzzles & Get Paid

Stimulate your brain in a different way by playing word puzzles on Words to Win, a free-to-play game where you can win cash rewards through beautiful levels modeled after vacation spots like Australia, Mexico, Hawaii, and more.

It’s simple. Create words out of the letters given and complete the crossword puzzle board. You’ll then earn coins to redeem for instant win scratchers, prize wheels, and sweepstakes up to $500!

There’s no stressful countdown timer per game and you can cash out via PayPal when you reach $7. Tracy T. said: “Best game ever! This is my daily relaxing game and it really pays and cashes out.”

Download now and play for free to start winning cash!

BONUS 6: Earn a $10 Amazon Gift Card by Trying New Games

When you’re ready to add even more games to your lineup, then download Cash ‘Em All, an Android app that pays you to try out new games for yes, you guessed it, for cash. All are free to download!

Just earn coins from trying new games, and then you can redeem for:

  • PayPal Cash
  • Amazon gift card
  • GameStop gift card
  • PlayStation Store gift card
  • Xbox Live gift card
  • And more good stuff

A 4,444 coin welcome bonus is yours immediately too when you sign in.  (Worth 50 cents!) If you’re impatient, you can cash out as low as $1 as well.

Enjoy playing new-to-you games for some side fun money on your Android!

BONUS 7: Play Solitaire to Win Cash. No Longer a Single Player Game.

Less than a few minutes. That’s all you need to win real cash when you play Solitaire Cash, a fun Solitaire game with a modern twist.

It’s like regular Solitaire but you compete against other players at the same skill-level as yours to see who can solve the deck the fastest, and for cash! Play in groups of 5 or more and the top 3 for each game wins.

Players have already won thousands of dollars! Solitaire Cash is free to download and play but cash tournaments are specifically not available in AZ, AR, IN, IA, LA, ME, MD, SC, MT & SD.

If you like playing quick games for chances to win cash, check it out.

BONUS 8: Not Your Grandma’s Bingo - Play Anywhere for Cash

We’re not talking about the bingo game that cute grandparents play. Blackout Bingo counts on speed and accuracy. You play against real people and everyone gets the same card and balls so winning comes down to your skills, and not chance. Winners can get both cash and prizes!

Play for free without pop-up ads and when you’re ready, participate in cash tournaments where you can join in on the guaranteed $128,000 prize pool tournament!

Hot Tip: Wait until almost the end of the game to hit Bingo for the most points!

It’s free to download and play and while cash tournaments aren’t available in AZ, AR, CT, DE, LA, MT, SC, SD, and TN, you can still play for prizes. BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

BONUS 9: Easily Get Started with Crypto and Earn Up to 8.05% APY*

You can’t scroll through your feed without crypto being mentioned and it’s now even easier to get started with Gemini, a cryptocurrency exchange that lets you buy/store/sell bitcoin and crypto instantly.

They’re also let you earn interest on your crypto (including stablecoins) by offering up to 8.05% APY on GUSD (Gemini Dollar). Put your crypto to work and select the ones you want to earn interest!

Start investing in crypto with as little as $5 and it only takes three minutes. Their own NFT gateway allows you to buy/sell NFTs to diversify your portfolio too. In addition, Gemini is the world’s first exchange to complete SOC 1 Type 2 and SOC 2 Type 2 exams which shows they’re extremely serious about security and compliance!

BONUS 10: This Company Can Slash Your Bills By An Average of $620/Year

“I loved that I had to do nothing and saved money” – Scott

“They’re awesome. No need to call and wait for hours to get a refund. They do all the hard work.”- Madhu

Companies are sneaky and make it hard for you to cancel subscriptions but Trim can help; they’ll find recurring subscriptions and if you don’t need it, just ask Trim to cancel it for you.

It only takes linking your bank account (100% secure) and a few taps to save a lot of money.

They’ll also negotiate down your cable, internet, phone, and medical bills up to 30%. It’s free to sign up, and Trim only charges 15% of your annual savings. If they don’t find any savings, they don’t charge you. Trim users save an average of $620 per year!


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