In today’s digital world, making money online has never been easier. Whether you’re a student looking for a part-time income or someone seeking extra cash, money-making apps offer a convenient way to earn without any upfront investment.
There are several legitimate apps that allow you to monetize your time, skills, and hobbies right from your smartphone. This guide highlights the best earning apps that require no investment and explains how students, in particular, can take advantage of them.
7 Best Money-Making Apps Without Investment
1. Swagbucks

Swagbucks is a popular and user-friendly platform that rewards users for completing various online activities, including taking surveys, watching videos, and shopping online.
Users earn points (SB), which can be redeemed for PayPal cash or gift cards. With its simple tasks that fit into your daily routine, Swagbucks is an excellent option for students and individuals looking to earn extra money in their free time.
To get started, download the Swagbucks app, sign up, and begin completing tasks to accumulate rewards.
2. Google Opinion Rewards

Google Opinion Rewards is a survey-based app that pays users for answering short surveys on topics like travel, shopping, and lifestyle. Each completed survey earns you rewards in the form of Google Play credits or PayPal cash.
Since surveys take just a few minutes to complete, it’s a perfect way for students to earn extra money between classes or activities. To start, simply download the app, sign up, and participate in available surveys.
3. Lucktastic

Lucktastic is a fun and engaging app that allows users to win cash and prizes through digital scratch cards. It’s completely free to play, and winnings can be redeemed for gift cards or PayPal cash.
This app is great for users who enjoy lottery-style games and want a chance to win money without any financial commitment. Just download the app, sign up, and start scratching for rewards.
4. Mistplay (For Android Users)

Mistplay is a fantastic app for mobile gamers who want to earn rewards while playing games. The app allows you to accumulate points as you play, which can be exchanged for gift cards from top retailers.
If you’re a student who enjoys gaming, this is a great way to earn some extra cash while having fun. To get started, download Mistplay, sign up, and play games to start collecting points.
5. WinZO (For Gaming Enthusiasts)

WinZO is a skill-based gaming platform that offers over 100 games across different genres, including card games, puzzles, and action games. Players can compete in tournaments and win real money, which can be withdrawn via PayPal, Google Pay, or bank transfers.
To get started, download the WinZO app, sign up, and participate in games and tournaments to start earning.
6. Foap (For Photographers)

Foap is the perfect platform for aspiring photographers who want to earn money by selling their photos. Businesses and individuals purchase high-quality images, and photographers receive a commission on each sale.
Users can also participate in photo contests to win additional rewards. If you love photography, simply download the Foap app, create an account, and start uploading your photos to earn money.