With a crazy year behind us, it’s time to show some extra love to your significant other that was alongside you for the wild ride.
Regardless of how you personally feel about Valentine’s Day (sure, it’s a Hallmark holiday), it’s nice to have something to look forward to.
So if you want to splurge a little on food, gifts, a road trip, etc. here are some fun and practical ways to make some money by mid-February without having to dip into your current finances!
1. Get Paid Up to $600+ Listening to Free Music
If you don’t go a day without listening to some music, then immediately download this app.
Current is a free Google Play app that literally pays you to listen to music. 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 listening to free music! The music plays from your Android lock screen and will periodically display muted video ads.
Other ways you can earn while listening to music (all optional):
- Completely simple tasks/offers + surveys
- Play games, the longer you play the more you earn
- Watch simple 30-second video ads
- Save money on your monthly bills
- Refer friends to get up to $250 and 5% of their music earnings for life
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!
2. Get Paid in Gift Cards if You’re Chill with Lock Screen Ads
The average person unlocks their phone 110 times per day – that’s a lot of time spent looking at a screen for free.
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!
They partner up with brands looking for more impressions (aka your eyeballs) and you don’t need to click on anything to get paid either.
S’mores pays in gift cards so you can redeem for:
- AMC Theaters
- Best Buy
- Domino’s Pizza
- Starbucks and more!
Just use your phone normally, and your earnings will apply daily. Pretty much the easiest thing to do and you’ll be earning gift cards to use online while social distancing and for IRL fun when quarantining is over!
3. Get a Personal Loan Fast Even if You Have Bad Credit
Your credit score is important but sometimes, unfortunate circumstances happen to good people. It’s not always a fair representation of your financial history to be judged by 3 digits.
Even if you have a poor credit score and have been turned down by credit card companies, you could still qualify for a personal loan* for your short-term financial needs.
OppLoans can help. They work to rescue and rebuild middle-income credit-challenged members for a brighter financial future.
Submitting an application won’t impact your FICO credit score^ and you’ll be able to get the best personal loan that you may need for car repairs, medical, family, rent, major purchase, etc.
Here’s who can qualify:
- Residents of FL, AL, AR, AZ, DC, DE, GA, HI, ID, IL, IN, KY, KS, LA, ME, MI, MN, MS, MO, MT, ND, NE, NV, NM, OH, OK, OR, RI, SD, TN, TX, UT, SC, WA, WI, WY, or VA
- Have a minimum monthly income of $1,500 for the states listed above except AL is $3,500, and GA & ID is $3,000
- 18+ years old (19 if from AL or NE) and cannot be an active duty service member
- At least 90 days at current employer
- Have direct deposit
Qualified borrowers can borrow up to $4,000 depending on creditworthiness and state of residence.* “Payback is on a set term so no surprises and they are cheaper than those payday loans. I was able to get approved in just a few short hours. They really came through and helped me out!” Mike from Clover, SC.
And when monthly payments are made back on the loan, OppLoans will notify the 3 credit bureaus to build up your payment history!+
4. Get Paid for Playing Free Digital Scratch-Offs
Don’t bother going to the store to buy physical scratchers (they get expensive too).
Instead, play digital scratchers for free on Lucktastic to win money from the comfort of your home.
There are a ton of different scratchers to play where you can earn both cash prizes and tokens. Tokens turn into gift cards or contest entries so collect as much as you can!
PRO-TIP to get the most gift cards for free: The more you play, the more big bonuses you can unlock! Play all your scratch cards, look out for Today’s Bonus, and head to the Reward Wall to discover more fun games and cool products. That’ll build up your tokens much faster to redeem for more rewards!
Redeem tokens for:
- Amazon gift cards
- Walmart gift cards
- Dunkin’ Donuts gift cards
- Check mailed to you
- Payouts start at just $5!
- Contest entries into big cash winnings
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.
Also until April 2021, their Crack the $1 Million Safe event will reward a lucky winner with up to $1 million dollars! Not bad for playing free scratchers, right? So download now to start earning free gift cards!
5. More New Games, More Cash to Earn
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!
6. Get $5* to Invest in Google, Amazon, Tesla, Netflix, and More
You might think that investing is complicated. Or that you’ll never get a share of these well-known brands like Google, Amazon, Tesla, etc., but you can. And you don’t have to be rich either.
That’s because, an investment app, lets you start investing1 with just $1. You can choose where to put your money in and they provide guidance and tools to help you along the way. You can invest in major companies that you use or buy from regularly to make the investing process custom to you. Plus, it’s affordable.
As a bonus, Stash is giving new membersso create an account to get started.*
7. Don’t Go Shopping Without This Free Money-Making App
Do you shop at brands like UberEats, Walmart Grocery, Old Navy, Groupon, Sephora, Lululemon, and Sam’s Club? You’re missing out on free gift cards for those purchases if you’re not using Drop as you shop online and in-stores at brands like these.
Drop, is a 100% free app that lets you earn reward points back on your normal shopping! All you have to remember is: Start with Drop before you shop. From there, it’s as simple as “Tap, Shop, Earn, Redeem.”
- Tap on the brand’s offer on Drop
- Shop through the brand’s app/website as you normally would. Drop will direct you there!
- Earn points back on your purchase.
- Redeem your points for a gift card of your choice – whenever and wherever you want!
Plus, when you link the debit/credit cards that you use most, you’ll get access to exclusive deals (like earning points back on every Postmates order) where purchases will automatically get tracked. You’ll even get personalized recommendations based on your shopping preferences.
And use Drop on top of your loyalty and credit card points to stack rewards!
The bottom line is: Not using this app would be like going to an all-inclusive resort, not knowing about all the free food/drinks/activities, and just staying in your room and eating crackers the whole time. No one wants that!
BONUS OFFER: Use promo code SMARTWALLET to unlock 10,000 points ($10!!) automatically when you earn your first 1,000 points.
8. Get Paid to Try New Games. Every Gamer’s Dream.
Who would’ve thought you can play games to make some money? Especially now when that’s easy to do from home.
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! For example, the 4x unit multiplier games will earn you 8 times more units (and dollars) per level than the 0.5x unit multiplier games.
You’ll only get paid for playing games if Mistplay is running so be sure to always install games from the Mistplay app!
9. Instantly Get Paid $1 for Each Survey (No Limit!)
By now, you’re probably familiar with surveys. If not, it’s a great way to earn side cash for just giving anonymous opinions and you can join several survey programs to increase earnings.
Add SurveyTime to your list, because what makes them different from others, is that you’ll instantly get paid $1 after each survey completion. No waiting around to accrue at least $15 to cash out, you can get paid right after!
And there’s no limit either, so you can take as many surveys as you want available. You can choose between Target, Amazon, or Walmart gift cards, PayPal, or Bitcoin via Coinbase.
It’s free & easy to start. Just head here to sign up, check your confirmation email, and answer a few introductory questions.
It takes a few days until the system learns your profile to match you with the best surveys so you might be disqualified for some surveys at the beginning. Then you can take as many surveys as you want and it’ll be clear on the site how long each survey would take. On average, each could take 10 minutes with some being as quick as 3 minutes!
10. Play Games, Get Gift Cards. Play More to Earn More
You love playing mobile games so why not get rewarded for it? Earn your first $5 gift card within 48 hours for something you were already going to do!
Just play through Rewarded Play, a free-to-download Android app with hundreds of games to choose from; including Yahtzee, Scrabble Go, and Design Home.
You can also play board games, dice games, card games, casino games, and a lot more.
Then redeem points for gift cards from 20+ retailers including favorites like Target, Amazon, Walmart, Best Buy, etc. The games are fun and an easy way to earn some cash. As a bonus, there is an active customer support team!
11. New Year, New Financially Responsible You Can Save Up to $720
How much did you spend over the holidays? On average, Americans spend about $1,000!
You can get up to 70% of that back in the new year by using, a free money management app that’s like your own financial control center and personal finance assistant in one. The app 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.
will also alert you when services quietly raise fees, and will even cancel your hidden and unwanted subscriptions for you. Most importantly, Truebill can help lower your monthly bills by 20%! Yup, they negotiate for you so you don’t have to deal with talking to reps.
It’s also time to look forward to new life events since 2020 ruined most of our plans. But that usually comes with a cost. So prepare ahead of time by using Truebill which can save you over $720/year!
12. Get Up to 15x Cash Back Rewards with This Sleek, Black Premium Debit Card
A credit card isn’t for everyone, particularly if you know your own spending habits. So when a debit card comes around that has credit-card like perks, take notice.
Current is the first mobile bank to offer up to 15x points whenever you swipe this sleek black premium (or white) debit card, at over 14,000 participating merchants. These points are redeemable for unlimited cash back!
For example, swiping the card at gas stations could net you back $165/year!
Along with the unique rewards program, a Current account has no hidden fees, no minimum balances, over 55,000 fee-free ATMs, and includes money management tools such as savings pods and round ups. Premium members ($4.99/mo) can also enjoy getting paid up to 2 days faster with direct deposit, as well as never worrying about a negative balance since they can use Overdrive™, a benefit that covers them up to $100 when they need it.
Current is free to use (with optional premium upgrade) so don’t miss out on earning points for stuff you were already buying! It takes less than 2 minutes to sign up!
13. Make Easy Money Just Trying and Playing Games
There are so many new games coming out on the daily that it’s hard to choose which to play, even if we’re experiencing extra time at home.
My strategy? Only focus on the games that pay for my time.
, an Android app that pays you to try out new games.
When you earn coins from trying new games, you can redeem for:
- PayPal Cash
- Amazon gift card
- GameStop gift card
- PlayStation Store gift card
- Xbox Live gift card
- And too much more to list
Nab a 4,444 coin welcome bonus too, which is basically around 50 cents in value. And if you don’t like to wait, you can choose to payout as low as $1.
If your friends want to get it on the money action from afar, introduce them to, 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!
14. Never Overpay for Car Insurance - Save $826 a Year
On average you’re probably spending $826/year more than you need to on car insurance but in general, people don’t make the effort to check.
But you can check how much you can save in literally 30 seconds. It’s easy:
- Head over to and connect your current insurance (no long form to fill out!)
- It’ll instantly check for a better deal
- See your savings!
Oncefinds you a better deal and you choose to switch, they’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. Never Pay an Overdraft Fee Again - Here’s How (+$35 Welcome Bonus)
Overdraft fees. Sometimes your bank account is low and you forget about your upcoming Netflix auto-payment. Next thing you know, you’re in the negatives and the bank is emailing you that you’ve been charged a hefty fee.
Skip all the bank fees and, an online bank account with absolutely no hidden fees (yes, seriously) and savings at 0.50% APY.
Their latest feature, SpotMe, lets you continue with a needed transaction even if you overdraft. That extra $20 you needed for groceries? No worries, Chime will spot you up to $100.* When your next deposit arrives, Chime will just apply it to your negative balance.*
No monthly fees, no minimum balance requirement, no foreign transaction fees, and the account is also FDIC-insured up to $250,000. Members can** too since Chime processes your employer’s deposit immediately, giving you access quicker than traditional banks.
Chime is free to use, so why not give it a shot for a while and see how you like it? And for February only, new members will get a $35 welcome bonus with a qualifying direct deposit ($500 or more). So point your employer’s direct deposit to your new Chime account and get a welcome bonus!
16. Switch to Car Insurance as Low as $29/Month to Save Big
When was the last time you thought about car insurance? Most people only think about their insurance if they’re involved in an accident but rates change constantly.
Meaning you could be saving a lot of money and you wouldn’t have even known. On average, you’re probably spending $800+/year more than you need to.
You can easily check how much you can save with, an auto insurance matching service provided by LendingTree. It’s just one form, and they’ll search through providers that include known companies like State Farm, Allstate, Farmers Insurance, and more.
Your monthly rate could be as low as $29/month! All you need is tothat asks the usual questions related to driver, car, and location and you’ll be matched with the best-for-you options. It’s easy and free to check, so see how you can save!
17. 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!
You get rewarded for doing surveys, searching the web, reading articles, watching videos, and playing fun games but the one activity that earns you the most points is completing surveys. (Don’t skip out on those!)
Points can then be redeemed for free gift cards, cash, and sweepstakes entries. All just by completing fun activities and giving your opinions.
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!
18. The Secret to Getting Free Cash Back
$860 million dollars. That’s how much free money members have gotten back so far just by using Ibotta, a free app that pays you real money on your everyday purchases.
That includes your groceries (online/in-store), essentials, food delivery, online shopping, basically anything. All they need is a receipt.
It’s super simple, just check Ibotta first before:
- Shopping at your fav stores and services like Target, Ralph’s, Trade Joe’s, Uber Eats, and more
- Ordering groceries and delivery services like Walmart Grocery, Instacart, Shipt, and more. Link the accounts together and maximize on free cash back!
- Online shopping from retailers like Amazon, Sephora, Under Armour, Gap, and more
Ibotta is free to download and you’ll also get up to $20 in Welcome Bonuses when you sign up! It’s like you’re getting paid to shop.
19. Start on New Year, New You - Get Paid to Lose Weight
Time to get rid of that quarantine 15…or more!
Get extra motivated because there’s a health and wellness company that will pay you to lose weight. Seriously!
It’s called HealthyWage.
They have a ton of testimonial/pictures on their site along with legit places reviewing them from CNN, The New York Times, Wall Street Journal, etc.
So if you need some money motivation to lose weight, here’s how it works:
1. Start with the HealthyWage calculator (Read More)
2. Decide on a weight goal & amount of time to achieve it
3. Bet on yourself ranging from $20-$150 a month
4. Achieve your goal and you could win up to $10,000 depending on your HealthyWager!
5. If you don’t achieve your goal, the money goes to support HealthyWage, including prizes for others who achieve their goals
20. Unlimited 4% Cash Back? Yes, Please
Here’s how to make sure you get all the deals and cash back that you can while shopping.
Instead of having to clip coupons, just use, a free app where you can earn unlimited 4% cash back on top of your current credit card rewards. It’s the best contactless way to pay in-store and online at over 150 partners like Bath & Body Works, GameStop, Ulta, Petco, Michaels, Lowe’s, and more.
- and select the brand
- Enter total purchase amount
- Show your unique barcode and pay! (For online purchases, copy/paste the serial number into the gift card field)
When you connect Apple Pay or credit card as a payment method and show your unique Slide barcode, it’ll act like a gift card with no leftover balance. And you’ll
Withdraw your earnings via Venmo or Payal once you’ve hit $15.
Shop smart, and get cash back this new year with this free-to-use app that has no hidden fees and no receipts to upload!
21. Spin to Win - Earn Coins to Build Adventurous Villages (And Raid Others)
Note: You can’t make any money off this game but we’re adding it in just because it’s fun and a good way to distract yourself when you want to.
Coin Master is a free casual game that’s amassed over 81 million downloads and has earned the rep of being one of the most interactive games on the market.
Spin to earn coins, chances to raid other villages, and build up your own village to move to the next level. There are over 200 uniquely themed villages to build including Steampunk Land, LA Dreams, Magical Forest, Hell’s Village, and more. Pets can also be raised to help you get more coins.
When you need a little break from the real world, head into Coin Master to play for free!
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