How to Increase Your Credit Score & Ways to Make Extra Money at the Same Time

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.

Have you ever wondered what does your credit score start at? It’s kind of a trick question because it’s not like everyone was born with a score and you’re not automatically given one when you turn 18. The minimum score is 300 but you don’t start there and work your way up either. 

That’s why there’s a formula that makes up of 5 categories that make up your score so it’s unique for everyone. The bulk of your score comes from your payment history (pay on time!) and the amounts owed (keep credit utilization to under 30%). 

We’re showing you some ways how to increase your score as well as earn some extra cash so that you can pay back credit card bills on time. Credit scores are one of the most 3 important digits in our life so take care of them!

1. Say Goodbye to Overdraft Fees with the #1 Most-Loved Banking AppTM

When you want financial peace of mind, use Chime,® the award-winning mobile financial app and debit card that’ll help you save with no monthly fees, including:

  • No minimum balance
  • Fee-free overdraft with SpotMe®️* (Chime will spot you up to $200, so you don’t get overdrafts)
  • No foreign transaction or transfer fees

Additional perks:

  • Get paid up to 2 days early with direct deposit1
  • Earn 2.00% Annual Percentage Yield (APY)2 with the high-yield Chime Savings Account3
  • Access to apply for the Secured Chime Credit Builder Visa® Credit Card4 for a better way to build credit history

Sign up for Chime and get started on saving money and working on improving your credit score!

2. A Legit Way to Earn $750 This Week

You can get $750 direct deposited into your bank 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!

3. Get Paid Up to $89 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!

4. Get $10 to Invest in Peloton, Google, Amazon, Apple, Netflix, and More

Office Manager Sarah investing with $5 / Danny Guinta /*Photo for illustrative purposes only

You might think that investing is complicated. Or that you’ll never get a share of these well-known brands like Google, Amazon, Netflix, etc., but you can. And you don’t have to be rich, either.

That’s because Stash, an investment app, lets you start investing with just $5. You can choose where to put your money, and they provide guidance and tools to help you along the way. You can invest in some of the major companies you use or buy from regularly to make a custom Personal Portfolio.

With Stash Growth and Stash+, you can also choose the Smart Portfolio option, which offers hands-off stress-free investing since Stash will invest for you based on your risk tolerance. Plus, claim bonus stock when you attend Stash’s virtual Stock Parties!

As a bonus, Stash is giving new members $10 for any first investment, so create an account to get started.

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

5. Get $35,000 Worth of Debt Paid Regardless of Your Credit

Owe $35,000 or less on credit cards? Find a personal loan using LoansUnder36 to pay off all your balances and consolidate them into one balance to make it easier on yourself.

It takes 2 minutes to find loans regardless of your credit status, with APRs from 5.99% up to 36% max. Their network has over 100 vetted lenders, and you’ll be able to compare side-by-side with no obligation quickly.

There’s no credit score impact by checking and the repayment periods are flexible, ranging from 61 days to 72 months (6 years). Plus, you can get the funds as fast as 24 hours!

6. How to Put More Cash in Your Pocket - An Extra $5,500 Per Year

When you need extra money, side gigs and WFH opportunities are your best options. Use the free Steady app (co-founded by Shaquille O’Neal) to find flexible jobs and Income Boosters to do it! It’s easy, and their 6 million members are already earning money.

Here’s how to start:

  1. Download Steady and create a free account
  2. Browse gig opportunities
  3. For faster cash, try your first Income Booster; over $15M have been paid out so far, and they’re easy to do

“Steady gave me the opportunity to be at home, pick up my sons, and still make money,”- James Coleman.

On average, Steady members can increase their income by an extra $5,500! So set those financial goals and earn extra money on your own time.

7. 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 select items manually, scan in any receipt from any store or gas station, and it’ll automatically reward you.

8. Join the Millions of People Earning Up to $45 Per Survey

Canva

Companies are always looking for feedback to improve their products so get paid for just giving your honest opinion!

Just sign up for Survey Junkie (it’s free!), and join over 20 million members already earning cash. Completing a survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 500 points (or $5) you can cash out, which is one of the earliest cash out points we’ve seen!

Redeem for popular online gift cards, Paypal cash, or bank transfer.

It only takes a few minutes to join Survey Junkie and you’ll earn your first 100 ($1 value!) points just by creating an account and verifying your email address. Earn even more when you take more surveys.

9. Play Fun Word Puzzles & Get Paid Up to $85

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!

10. 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.

11. This Bubble Game Already Paid Out Millions to Players This Year

Pop some bubbles & win some cash in 3-minute games.

Check out Bubble Cash , where you can go on a popping frenzy against real players online to win actual cash. Drop a bunch of bubbles at once and get those high-scoring combos. No joke, they’ve already paid out millions so far this year. And with over 36,000 reviews at a 4.6-star rating, it’s legit.

Play for free, and then switch over to cash games whenever you want. Seriously though, cash game winners can win thousands of dollars…by popping bubbles.

12. When It’s 2023, and You Still Have Credit Card Debt Under $50,000

Stop the anxiety attacks by getting rid of your debt. If you owe $50,000 or less, AmONE can help by matching you with a low-interest loan to pay off all your balances. Problem solved.

Their interest rates start at just 5.99% compared to credit cards which can go as high as 36%! Plus, it’s only one monthly bill, making it way easier to manage.

There’s also no credit score impact to check, and repayment periods are flexible. Take 2 minutes to check, and you can get funds as quickly as 48 hours to wipe that credit card debt!

13. Getting Gas = Free Cash Back

With the high gas prices lately, it’s smart to get cash back any chance you can get.

Turn on Upside, a free cash back app that partners with over 20,000 gas stations and local businesses which includes Shell, 76, along with Popeye’s, Papa John’s, and much more. You can earn an extra $148 a year (on average)!

Wherever you are, just use the app to see where you can get cash back! You can get up to 25¢ per gallon, up to 30% back on groceries, and up to 45% back at restaurants.

Easily cash out via bank transfer, Paypal, or gift card and there’s no limit to how much you can earn. Download Upside for free to start earning free cash back and new members can use a welcome code: TSW25 to get an additional 25¢ a gallon on their first gas purchase!

14. 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!

15. The Best Financial App That’ll Save You $720/Year

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 Rocket Money, 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)
  • Rocket Money 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 Rocket Money and start tracking your net worth too!

16. Get Paid to Play New Games. Regularly Cash Out Up to $25

Download Mistplay, an Android game platform where you try free games, earn points and redeem them for Amazon, PSN, XBOX Live, and more. On average, players are cashing out between $10 – $25 regularly!

  1. Discover new mobile games curated just for you on Mistplay
  2. As you play, you’ll earn units
  3. Redeem your units for gift cards to Amazon, Google Play Store, and more!

“This app is the real deal. There’s a good selection of games, and new ones are being added all the time. More importantly, when you reach the target amount of points, you do get paid. Great job, Mistplay people.” – Geoffrey Daley, ⭐⭐⭐⭐⭐

Just be sure to start your games from Mistplay so it can keep track of your game time to credit you properly. New members get a BONUS of 200 units just for signing up!

17. Make $100 Your First Visit to This Site

One of the newest and easiest ways to make money on your phone is 100% free with KashKick. You just need to sign up with your name, email address, and password!

Get fun cash rewards just by playing games (which you’re already doing), answering surveys based on your user profile, trying out financial tools, and many more ways.

Check out KashKick and start making money in your PJs, in line, or wherever!

18. School Competitors in Solitaire and Ca$h In

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

The free game matches you with players of the same skill level, so all is fair. Even casual players like Amanda, a stay-at-home mom from IL, won a 55″ TV, $6,000, and more prizes.

It’s easy to start:

  1. Tap now to download from the Samsung Galaxy Store
  2. Follow the instructions on screen to install
  3. Open the app and play!
  4. Practice playing for free and when ready, play for cash!

So if you think you can handle playing some Solitaire Cube to win legit cash, definitely download this game for free to play on your Samsung.

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

19. Get Quick Cash Within 48 Hours Just by Playing Android Games

You’ll get paid in gift cards, but it’s still money. Choose from favorites like Target, Amazon, Walmart, Best Buy, etc., and you can earn your first $5 gift card within 48 hours just by playing some games.

Just download Rewarded Play, the free app that lets you play games and earn hundreds of dollars from having fun. The more games you play, the more you can earn with no limit!

Of course, you won’t get rich from it, but earning money from playing these games is better than nothing at all.

20. Answer Questions Honestly & Get Paid Up to $5 Each Time!

“I cash out $10 almost daily! If you need a couple of extra bucks, this one is worth the time and effort.”

You can be like Sue C. and cash out regularly by sharing your opinions and earning up to $5 per survey. It’s super easy, quick and free with QuickThoughts.

Just answer questions honestly, and you’ll get paid with your choice of free iTunes or Amazon gift cards! There are several ways to participate:

  • Short surveys that start at $2 per completion
  • Longer surveys that take a bit more time but pay up to $5
  • Local photo activities where you can choose to partake in location-based opportunities by taking photos to provide feedback (also earn up to $5)

Since it’s free and quick, why not give it a shot to earn gift cards?

21. 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 Giraffe, an Android app that pays you to try out new games for, yes, you guessed it, cash. All are free to download!

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

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

“Payouts are faster than most apps. PayPal rewards are small, but hey, it’s free money 💰 🤑“- Cassandra McGuire

A 3,599 coin welcome bonus is yours immediately too, when you sign in! Plus, get 200 coins for every friend you refer and 25% of their earnings.

22. The Money App That’s Backed by Paypal, Dwayne Johnson, Ashton Kutcher, and More

Celebrities and leading investors can be particular about where they put their money, but Acorns has caught the attention (and their investments) of Blackrock, Paypal, and major names like Dwayne Johnson and more. Not to mention, they already have 4.7 million+ customers!

That’s because Acorns Banking does more than other types of accounts as it automatically saves and invests for you. Every time you purchase on your new metal debit card, your spare change gets invested into an expert-designed, diversified portfolio of stocks and bonds. When you make your first investment, you’ll get a $20 bonus!

You can get started in under 3 minutes with no financial experience or expertise needed. You’ll also get access to retirement, investing for families, rewards, and more, all in one app.

With no hidden fees, Acorns makes it easy to invest in your future with your spare change.

23. Get Paid Up to $225/Month While Watching Viral Videos and Taking Fun Surveys

Founded in 2000, Inbox Dollars has been paying customers for their opinions for over 22 years and counting! They are one of the most trusted survey sites with fun, multiple ways to earn extra cash that set them apart.

Fast and easy. Love that I can cash out to my PayPal and easily transfer money to my bank account.” – Tefanie P

Take surveys, watch videos, play games, and even read emails for extra cash. Who wouldn’t want to watch viral videos for money and get paid up to $225/month?

Inbox Dollars is a great platform to make a little side money. It’s free to sign up, so give it a try today!

Some of the sponsored links that appear on this page are from companies that offer investment advisory services. They compensate us; for details on our compensation arrangements, please click here.