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Here’s a phrase you don’t hear very often: “free money!” Sounds scammy, right?

But fear not! There are actually quite a few ways to get free money online using a variety of different services. And while none of these will make you a millionaire, they will pad your pockets with extra change for a night on the town.

Don’t believe us? No problem, because in this article, we’ll show you 18 ways how to get free money. Many of these promotions simply pay you for signing up or using their service—and more often than not, they pay almost instantly.


Here are 18 easy ways how you can get free money now:

1. Survey Junkie: Get Paid To Share Your Opinion

Survey Junkie is the best site to make money for sharing your opinion on brands. You can earn up to $45/survey in just 20 mins (though most pay between $0.50 and $3). Check it out, it’s free.

2. Swagbucks: earn money by switching your search engine

Swagbucks is one of the original ways to earn free money online. Simply use the SwagBucks search engine instead of Google, and you’ll earn points for each search. You can also earn points by watching videos and completing surveys.

First-time users are eligible for a $5 bonus just for signing up!

Once you have enough SwagBucks points saved up, you can redeem for cash back via PayPal, or for eGiftcards for Walmart, Amazon, iTunes, and other major retailers.

3. InboxDollars: $5 just for signing up! Free Money

InboxDollars is an online portal for earning free money. On the site, you can complete surveys, watch videos, read promo emails, and shop through their online shopping portal to earn cash back—basically, it’s easy money for completing rudimentary tasks.

When you sign up for InboxDollars, you’ll receive a $5 bonus. The site has paid out over $57 million dollars so far, making it one of the most reputable places to earn free money on the ‘net!

4. Open a New Bank Account: $350+ for new accounts

There are a ton of banks out there, and you can bet that there’s a ton of competition in the marketplace. So to win over new customers, many banks have started offering free money to new customers!

There are a ton of these on the market—and many of them vary state by state—so check your local banks for options. But in the meantime, here are a few bank account bonuses that are offered nationwide, my favorite is Chase Bank:

  • Chase: up to $350 for opening a new checking and savings account

5. Credit Karma: search for owed money

Last year, Credit Karma opened an unclaimed money search portal. Just enter your details, and the service will automatically check and see if you’re owed money from financial institutions, utility companies, dividends, or other vendors.

These funds are generally held by the state until you claim them, so make sure you claim what’s yours!

6. Rewards Credit Card: $200+ by moving your purchases to a new card

Credit card rewards have been booming in past years. Not only can you earn points and cash back on every purchase you make, but you can also earn a nice sign-up bonus just for signing up for a credit card and spending a certain amount of money.


Some credit cards award these sign-up bonuses in the form of points, and others in cash back. Oftentimes, credit card points can be redeemed for a variety of things: travelrewards, merchandise, and of course cash back.

One of the best credit card offers for free money is:

7. Refinance Student Loans

Refinancing your student debt could save thousands of dollars in interest over the life of your loan. On top of that, Millennial Money readers may get additional cash signup bonuses when refinancing with one of the companies below.

If you have private student loans from a bank, credit union or an online lender, you’re probably a good candidate for refinancing.

The best times to refinance are when interest rates have fallen a half point or more below the rate you’re currently paying, or when you’d like to combine multiple student loans into one payment.

8. Ibotta: $10 for signing up, more for scanning receipts

Ibotta is a cash back app that pays you to scan your receipts. Just pop open the app before you go shopping and add the products you think you’ll buy. Then—after your trip to the store—scan your receipts and you’ll earn cash back!

When you sign up for an Ibotta account, you will receive a $10 sign-up bonus after your first shopping trip. You can cash-out your earnings on Venmo or PayPal, or redeem for a store gift card. Ibotta has Uber, Sephora, and tons of other gift card options, so treat yourself!

9. Paribus: Pays you what you are owed

With Paribus, you can effortlessly save money on your online purchases when prices drop at 25+ major retailers!

Sign up for a free account and let Paribus monitor your inbox for online shopping receipts.

If a price drops after you made your purchase, then you will get the difference. Free money! Paribus works hard to put money back in your wallet. You might sometimes need to fill out a form or make a phone call.

10. Drop App

Drop is an awesome new cashback app for credit and debit card users. Just add your card to the app and select your top five favorite vendors. Then whenever you shop at said vendors, you’ll earn points based on the amount of money spent. These points can be used for gift cards or used to enter sweepstakes.

11. Rakuten (formerly Ebates): $10 for signing up, more as you shop online

Rakuten (formerly ebates)  is an online shopping portal that you can use to earn cashback on all of your online purchases. Before your next online purchase, go to Rakuten first, find your retailer, and shop as usual. Then you’ll earn a set amount of cash back on your purchases—usually between 2% and 10%.

When you sign up for a new Rakuten account, you’ll earn a $10 cash back bonus after your first purchase of $25 or more. Then, you can request payment via PayPal or check. Nice.

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