5 Creative Ways to Make Money on Your Phone

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.

So, you’re looking for creative ways to make money on the device that your hand is so lovingly attached to? Well, you’ve come to the right place.

But you probably have some initial requests.

“It can’t be too hard.”
“I can’t spend too much time on it.”
“It’s gotta be free.”

Good news is that our suggestions will hit all those requests. We’ll show you some smart ways to make money on your phone that’ll leverage some “everyday” activity so you can get paid.

Let’s get started!

1. Cashing Out on The Everyday Things You Do Online Already

How much time do you think you spend online? Most likely more than you think.

The average American spends 24 hours online a week(*), but for me, I know I definitely surpass this since I have to be online for work. Along with post-office hours shopping, browsing, reading, it’s rare that I’m not online.

If it’s the same for you, capitalize on all that online time by earning points you can redeem towards gift cards, and even better, cash.

You can do it with Swagbucks, a free rewards program for the everyday things you do online.

Earn points by

  • Watching entertaining videos
  • Shopping at your favorite retailers
  • Searching the web
  • Participating in surveys
  • Playing fun trivia games

Then you can redeem for a large variety of gift cards (Amazon, Target, Walmart, Starbucks are popular) or my favorite, Paypal Cash and Visa Gift Cards. Cash out in as little as $3!

You’ll even get a $5 bonus when you earn 2,500 SB points within your first 60 days.

The best way to earn SB? Surveys. You can get up to 300 SB for each qualified one you participate in. While you obviously won’t get rich doing this, you can nab an extra $10-$20 a month on them.

Keeping your profile updated and doing the Daily To-Do List will also earn you extra SB. There are a lot of opportunities so you can cash out early and often!

Get Paid to Read Emails, Take Popular Survey & Watch Videos

Here’s another easy way to snag a little extra cash by being online since Inbox Dollars has a wide array of ways to make some money on the side.

Founded in 2000, Inbox Dollars has been around and paying customers for their opinions for over 19 years and counting! They are one of the most trusted survey sites with fun, multiple ways to earn extra cash that sets them apart from the others.

You can stick to sharing your opinion and take surveys, but you can also watch videos, play games, and even read email for some extra cash. Who wouldn’t want to watch movie trailers for money?

They also offer cash back for online shopping and coupon cash rewards to use at the grocery store too!

So if you’re looking for some extra cash and enjoy a wide array of options to earn, Inbox Dollars is a great platform to make a little side money. It’s free to sign up, so give it a try today!

2. School Competitors in Solitaire and Ca$h In

make money playing games

When you want to take a 5-minute break, 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 you have a solid chance of winning. If you’re a good Solitaire player, you could win some serious cash, like Katie Nguyen who took home $380,984 last year as one of the Top 10 Solitaire Cube players! Check out our interview with Amanda, a mom who won $6,000 cash and more.

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, FL, LA, ME, MD, MT, SC, SD, TN, IN.


3. Get Paid To Play Free Digital Scratch-Offs Too 

Don’t bother going to the liquor store to buy physical scratchers (they get expensive too).

Instead, play digital scratchers for free on Lucktastic.

There are a ton of different scratchers you can play, and you can earn both cash and tokens.

Scratched all of them for the day? Don’t worry, there are specific night-time scratchers that are available every night too!

When you want to redeem your earnings, you can choose from:

  • Amazon gift cards
  • CVS gift cards
  • Dunkin’ Donuts gift cards
  • Check mailed to you
  • Visa gift cards

Lucktastic keeps things free by showing a few ads here and there plus it’s easy to play and multi-task at the same time. There are cash prizes up to $1M!

Regular giveaways are always happening too. Until October 31st, you could win a trip for four to Walt Disney World!

4. Fun Times in 3 Minute Increments – A Classic Game for $

3 minutes.

Make as many 21s as you can within that time or until you run out of moves.

That’s the basic gist of 21 Blitz, a modern take on a classic game where you’re no longer just playing against the dealer but with actual people around the world.

It’s fast-paced and it basically does all of the math for you. This game is great for killing time and earning cash all at once.

You can play for free against real people for prizes or switch over to cash games to win…well, cash! Cash game winners can win up to $7,000 or more in the mini-tournament.

Cash tournaments not available in AZ, AR, CT, DE, FL, LA, ME, MD, MT, SC, SD, TN, IN.


5. Just Leave This App On & Get Paid

Panel App is a loyalty incentive app that will give you points just by leaving the app running in the background. This is passive income at it’s best.

Because it gives you points on location, go ahead and enable location services. Then just turn the app on before you go about your day and head to school, work, gym, walk your dog, wherever.

After testing it we think it’s a great (lazy) app that rewards you for doing almost nothing. If you’re still skeptical, know this:

We snagged a $5 Amazon gift card via email after leaving the app on and forgetting about it. You can also choose VISA gift cards, MasterCard gift cards or sweepstakes entries.

Overall, a solid choice for earning a bit of money for literally just leaving the app running on your phone!

TIP: When you’re a new member, it’ll ask you if you want to keep the app running in the background. Just tap “Yes” to continue getting paid!