Helping You Live a Financially,
Physically, & Professionally Fit Life

Apps I Use for Real Cash Back

May 29, 2017
AUTHOR: Emilie
This post may contain affiliate links; see site footer for more details.
Reading Time: 6 minutes

The internet is an interesting place. There are lots of promise for “free money” out there that are nothing. I really wonder if most of those do our surveys for money opportunities are just email address collectors. Whatever the case, I’ve now developed a serious thick skin before diving into the FREE-MONEY-NOW tagline that I see on apps and on Pinterest.

I don’t think you’re going to find a get rich quick app, but I do use some of them for a little extra money. Get real cash back with these apps, and use that money towards paying down your debt a little bit faster or just to have some extra spending money without having to invest a lot of your time.

Chances are you spend quite a bit of time on your phone, so why not download a few apps and make some money while you’re at it. A lot of these apps are going to make you money based on things you already do like shopping, working out, and, yes, even eating.


You walk. Achievemint gives you points for the steps you take. That simple. Okay, more details.

This app is going to pay you for achieving fitness goals. Achievemint is a website that connects to apps you already have. Fitness apps are great for keeping you on track and you likely already have them on your phone.

Achievement is great because you don’t need to start over with a new fitness app. It syncs to fitness apps that you probably already have on your phone. This includes Apple and Android friendly apps such as MyFitnessPal, Fitbit, Apple Health, and Jawbone.

All you have to do is sync your apps to Achievemint and it will start collecting data. You collect points based on your daily healthy activities. You earn points for things like running, posting activities on your social media sites and logging meals. Earn up to 80 points per day for activities like biking, walking, and other forms of exercise. You can also earn up to 6 points per day for social activities such as logging meals and sharing your healthy activities on your social media sites.

Once you reach 10,000 points, you earn $10. You are given one year to get to the 10,000 points before your points start over again. It might take me all year to get $10, but that’s $10 for doing nothing different than I would have any way, so I consider it free money.

Achievement Referral Link:

Signing up with my referral link will get you 250 points!

 Survey Mini

I like this survey app because the surveys are really quick. You only get surveys for shops you went to (location-tracking must be on), so no wasting time trying to find surveys you’re eligible for.

Once you download this app, check and see if there are any surveys available to take. There are not always surveys available, so you just have to keep checking back for ones that get added. I keep my notifications on, so that I don’t have to check.

The surveys are often based on places that you visit. After you visit places, you will receive a survey to take for that restaurant or retail store. If you’re like me, this won’t be difficult. I am always at different stores and restaurants.

You will earn points for the surveys taken and cash them in once you have 4,000 points. You can redeem your points for coupons or gift cards to popular movie theaters, restaurants, and stores.

I have gotten one $25 Victoria Secret gift card from Survey Mini and am hoping to cash in for another $25 gift card in just a couple of weeks!

No referral link, but you can sign up for Survey Mini on their site


Pact is another app that is based on fitness goals. This app is really great for two reasons. You have more to lose with it, but you also have a lot to gain. Not only are you working on your physical health, you are earning money at the same time!

While you can make faster money with this app, there is one slight difference that is pretty unique. You have to make a “pact” to meet your goal and if you miss it, you have to pay the app your REAL money.

You set the amount you will pay them based on what will motivate you to meet your goal, a $5 minimum. These pacts are for going to the gym, logging what you eat, and posting pictures of your fruits and veggies. Money motivates me to do things like these apps and it sure motivates me to not lose the money I’m earning!

I have been tracking my food for over six months now. I haven’t been using Pact this whole time, but I’ve been using it since January. I earn between 30 cents and 60 cents per week. You only have to reach a $10.00 balance before you are able to redeem your cash from this app, which you could achieve rather quickly.

Because I track my food anyway, keeping my Pact is easy and it’s another one that I consider free money. You can sign up for your own Pact on their site


This is another great app for making money from things you are already buy. A lot of the products on Ibotta are everyday items, but the categories cover just about everything from groceries and clothes to pets and restaurants.

Once you sign in start browsing the categories of products for things you use. All of these offers will have a cash back offer listed on it. Some products require that you watch a very short advertisement or answer a demographic question before allowing you to select their cash back offer.

Every time you buy products you select, just upload your receipts to the app. Within a short amount of time, Ibotta your cash back rebates your account. You can redeem your money by cash or gift cards once you reach a $20 balance.

Ibotta referral link: 

Signing up with my refferal link will get you a $10 bonus! That will bring you $10 closer to your own cashback! It’s paid through Paypal which makes it super easy.



Immediately after taking this screenshot, I found a way to get 10 more SBs so that I had 1300 SBs that I redeemed for $13 in Amazon gift cards. (Erica’s got my hooked on her subscribe & save plan!)

You do different activities on their app or website to earn Swagbucks, which you cash in for real money. You could probably invest the most time of all of the apps on Swagbucks because there are so many opportunities to earn points.

One of the ways you can earn Swagbucks is to set it as your browser and earn points searching the Web. You can also complete surveys. The longer the survey you take, the more Swagbucks you can earn. Some other ways include voting in polls and entering in contests. Once you have accumulated enough Swagbucks, you can cash them in for PayPal cash, gift cards for popular stores like Amazon and Walmart, or make donations to charities. You really do not need very many Swagbucks to start collecting money or donating with this site.

I don’t have the time to dedicate to Swagbucks so I use it with their Swagbucks TV app. When I’m working and not using my hone, I will put the videos to run. You can only earn 32 SBs per day this way, but it took no more energy than opening the app on my phone!

Swagbucks referral link:


This is an app that I use to get coupons and cash back for things that I buy. Like some of the other apps, this one is going to make you money on things that you were going to buy anyways. This site might seem counter-intuitive because you have to spend money to make money. Stores like Walmart and Amazon are on Ebates, so you can just buy the things you need while still getting your cash back.

I use Ebates by having their extension installed on my browser. Whenever something comes up that is Ebates eligible, I get a little pop-up that asks me if I want to load it through Ebates. I hit yes! Just like that! I have to let my screen refresh one time- that’s it!

My Ebates referral link:

Signing with my link will get you $10 once you make your first purchase!


Found money is money that you didn’t have before. It’s that same feeling when pull out the winter jacket for the first time and you find a crips $20 bill in the pocket. This is no different. When you can do nothing (Pact, Achievemint, or Ebates) or next-to-nothing (SurveyMini, Ibotta, or Swagbucks) for a couple of extra bucks, I find it hard to say no!

Any apps you think I missed?!

Do you have a comment to make about this post? I'd love to hear from you. Please tweet it @SheDoesBetter or email me!