How to Get Free Money: 10 Legit Ways to Earn Cash
Everybody likes free money. Whether it’s a sign-up bonus, cash back from shopping, or money you forgot you had, getting a little extra cash is always a good thing.
Believe it or not, some companies offer rewards to attract new customers. Others give you money back for purchases you’re already making. I’ve used several rewards platforms over the years, and while they won’t make you rich, they can help you put a few extra dollars in your pocket.
Here are some legitimate ways on how to get free money, gift cards, and other rewards.
1. Rakuten
Rakuten is one of the easiest ways to earn cash back on online shopping. Instead of going directly to a retailer’s website, you visit Rakuten first and activate its cash-back offer before making your purchase.
The platform works with retailers such as Walmart, Macy’s, and other popular stores. Cash-back percentages vary by retailer and promotion, so check the offer before buying anything. Rakuten also runs new-member promotions, but the bonus amount and qualifying purchase requirements can change.
2. Swagbucks
Swagbucks is a rewards platform where you can earn points by completing surveys, shopping online, and participating in eligible offers. You can redeem those points for gift cards or PayPal rewards, depending on the available options.
I’ve covered this platform before because it’s an option for people who want to earn a little extra money during their spare time. Some activities pay more than others, so focus on the ones worth your time. Read my Swagbucks review for more information.
3. MyPoints
MyPoints is another rewards website that gives members points for online shopping, surveys, and selected promotional activities. Once you’ve earned enough points, you can redeem them for available gift cards and other rewards.
It’s worth comparing MyPoints with Swagbucks because the two platforms may offer different deals for similar activities. New-member promotions sometimes require a qualifying purchase, so read the terms before signing up. You can explore the current offers at MyPoints.
4. Ibotta
If you regularly buy groceries, it is worth checking out Ibotta. The app offers cash back on eligible purchases at participating stores, including grocery and household items.
Depending on the retailer, you may need to activate offers before shopping, submit a receipt, or connect a loyalty account. You can withdraw earnings once you meet the platform’s redemption requirements. I wouldn’t buy something just because it has a cash-back offer, but getting money back on products you already need makes sense.
5. InboxDollars
InboxDollars is another platform that rewards users for completing activities such as surveys and eligible online offers. Instead of building a traditional side hustle, you earn smaller amounts in your free time.
The key is keeping your expectations realistic. Some surveys won’t be available to everyone, and earnings depend on which offers you qualify for and complete. If you enjoy this type of opportunity, check out my list of online surveys that pay.
6. Fetch
Fetch lets users earn points from eligible shopping receipts. You can scan receipts through the app and earn additional points through selected offers and participating brands.
Those points can be exchanged for available rewards, including gift cards. It’s a simple option because you don’t necessarily have to change where you shop to participate. Just remember that gift cards aren’t the same as cash deposited into your bank account.
7. Bank Account Sign-Up Bonuses
Banks and credit unions sometimes offer cash bonuses to attract new checking or savings customers. These promotions may require you to set up direct deposit, maintain a minimum balance, or complete a certain number of transactions.
Before opening an account, check the requirements, monthly fees, and how long you need to keep it open. A $200 bonus isn’t much of a deal if you end up paying unnecessary fees or can’t meet the conditions.
I’ve had accounts with Delta Community Credit Union in the Atlanta area, and my experience with them has been positive. If you’re considering a credit union, you can check Delta Community’s current offers, but don’t assume an old new-member bonus is still available.
8. Credit Card Welcome Bonuses
Some credit cards offer cash-back bonuses when new cardholders meet a spending requirement within a certain period. For example, a card might offer a bonus after you spend a specified amount during the first few months.
The key is not to spend extra money to earn the bonus. If you can’t pay the balance in full, interest charges could wipe out whatever reward you receive. This strategy makes the most sense when you already have planned expenses and can manage the card responsibly.
9. Find Unclaimed Money
This might be one of the most overlooked ways to get money.
You could have an old bank account, an uncashed paycheck, a forgotten security deposit, or other property that was turned over to a state government. If that money belongs to you, you may be able to claim it.
Start with USA.gov’s unclaimed money guide, which directs you toward legitimate government resources. Search states where you’ve previously lived or worked, and check under any former names when applicable.
Be careful with companies that demand an upfront fee to help you claim money. You can generally search official state unclaimed-property databases yourself for free.
10. Check for Refunds and Money You’re Owed
Sometimes getting free money is really about collecting money that should already be yours. That might include an unclaimed tax refund, an insurance reimbursement, or a refund for a returned purchase.
Review old accounts and statements occasionally to see whether you’ve missed anything. You can also check the IRS refund status tool if you’re waiting for a federal tax refund.
It’s not a sign-up bonus, but recovering money you’re owed can be more valuable than spending hours completing surveys.
How to Avoid Free Money Scams
Not every offer advertising free money is legitimate. Be cautious when a company promises hundreds of dollars for almost no effort or asks you to pay an upfront fee to receive a prize.
Always read the terms, especially when an offer requires spending money, opening an account, or signing up for a subscription. Check whether rewards are paid in cash, points, gift cards, or account credits. Those differences matter when deciding whether an opportunity is worthwhile.
Most importantly, never share your banking password or sensitive personal information with an unfamiliar website just because it promises a bonus.
Legitimate ways to get free money exist, but most opportunities come with conditions. Cash-back apps reward purchases, survey sites pay for your time, and bank bonuses usually require specific account activity.
My advice is to start with the opportunities that fit what you’re already doing. If you’re shopping online, try cash-back apps. If you’re looking for money you might already be owed, search the official unclaimed-property databases.
And if you want to earn more than occasional bonuses, check out my list of side hustle ideas. Plenty of opportunities can help you build a more consistent source of extra income.
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Jason Butler is the founder of My Money Chronicles and an SEO consultant with over a decade of blogging experience. Since 2015, he has earned income through side hustles including blogging, eBay flipping, affiliate marketing, and freelance work while paying off over $64,000 in debt. His work has been featured in Forbes, Discover, Investopedia, and Yahoo Finance.
