We already spend hours on our phones each week.

Apple has made us keenly aware of that with its weekly screen time reports.

Why not turn those hours into some money?

A woman smiles as she looks at her phone.

Carmen Mandato/The Penny Hoarder

There are dozens of money-making apps on the market these days for both Apple and Android users.

The Best Money-Making Apps of 2020

Trust us when we say weve tested a ton of apps.

We weeded out the duds and compiled a list of our favorite top-rated money-making apps.

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Its too good to be true, right?

A website calledInboxDollarswill pay you to watch short video clips online.

7 Ways to Make Money if You Hate People

Do you avoid people too?

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Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

Its already paid its users more than $56 million.

(Never used InboxDollars before?Heres our guide for beginners.)

Youll also have to pay a $3 transaction fee.

Available on Android (rated 4.1 stars) and iOS (rated 4.5 stars).

Fetch Rewards: Get Free Prepaid Visa and Mastercards

What do you usually do with your receipts?

But a free app calledFetch Rewardswill turn them into gift cards.

It partners with tons of brands to give you points for every grocery receipt you share.

Then it’s possible for you to exchange them for prepaid cards for Visa and Mastercard.

All you have to do isdownload the appand create an account, then submit photos of your grocery receipts.

Available on Android (rated 4.4 stars) and iOS (rated 4.8 stars).

Ibotta: Trade Your Receipts for Cash

We all want to save money on our purchases.

What we dont want to do is put a ton of work into it.

Ibotta is free to download.

Plus, youll get a $5 sign-up bonus.

We talked toNancy Frost, who earned $432 in cash back in a year.

Cons:Be careful about buying items you dont really need just because you want to get cash back.

Pro tip: Sometimes youll find freebies on the Ibotta app.

Available on Android (rated 4.3 stars) and iOS (rated 4.8 stars).

Nielsen Consumer Panel: Get Rewards for Whats in Your Fridge

Remember the Nielsen company?

The one thats always tracked TV ratings?

Well, now it wants to know whats in your fridge.

When you sign up to be on theNielsen Consumer Panel, youll gain access to the NCPMobile app.

(If you dont have a smartphone, Nielsen will send you a scanner.)

With Nielsen, youll earn rewards, including free gift cards, electronics (new TV, anyone?)

The longer you stay on the panel, the more opportunities you have to earn rewards.

Pros:Applying to become a panel memberis straightforward.

Cons:You wont get paid in cash just gift cards and prizes.

Available on Android (rated 4.4 stars) and iOS (rated 4.3 stars).

Thats why a lot of people usethe Acorns app.

It takes two minutes tosign up.

Pros: Be as hands-on or hands-off as youd like with Acorns.

Its round-up feature automatically rounds up each transaction and invests your digital change.

The app helped Jeremy Kolodziej stack up more than $2,000 in investments in about two years.

Cons: Acorns subscriptions start at $1 a month.

Payment method: There are no restrictions or fees on withdrawals.

Cash out as often as youd like, though investing works out better if you hang out long term.

Available on Android (rated 4.5 stars) and iOS (rated 4.7 stars).

Rakuten: Shop Online?

Use This Website

Chances are you do some of your shopping online.

Whether its pet food from Walmart, toilet paper on Amazon or even a flight home for Thanksgiving…

But heres the thing.

Youre probably leaving money on the table.

It takes less than 60 seconds tocreate a Rakuten accountand start shopping.

Pros: This is a super-easy way to get money back for the things you already buy.

And it can be pretty lucrative, too.

Rice says she uses Rakuten for things she already has to buy, like rental cars and flights.

Available on Android (rated 4.2 stars) and iOS (rated 4.3 stars).

MyPoints: Get Paid for Taking Surveys

What did you think of the new superhero movie?

Whats your favorite beer to buy?

Whos your favorite Real Housewife?

The market research companyMyPointswill pay you to take surveys and answer questions about different products and services you use.

In return, itll give you free gift cards.

it’s possible for you to even do this from your phone.

To date, MyPoints has paid people more than $236 million in gift cards.

Pros: You receive points even if you dont qualify for a survey.

Online user reviews report difficulty qualifying for surveys.

Available on Android (rated 4.3 stars).

Not bad for something you’ve got the option to do from your couch, right?

It takes seconds tomake an accountwith your email address and a password.

If youre new to Swagbucks, check outour complete Swagbucks review.

Pros: There are a ton of ways to earn money through Swagbucks, so youll never get bored.

Take surveys, go shopping online, clip coupons, watch videos you name it.

Its a great distraction when youve got nothing else to do.

Pro tip: Penny Hoarders can get a $5 bonus when theysign upand start making money.

Available on Android (rated 4.1 stars) and iOS (rated 4.4 stars).

Rover says sitters can earn as much as $450 a month.

Pros:Is there anything better than hanging out with dogs?

With Rover, you set your own hours and your own rates.

Youll also choose which services youd like to provide.

Payment method:You set your own rates.

(Rover keeps a small percentage as a service fee.)

you’ve got the option to receive payment directly to your bank account.

Itll take up to 72 hours for funds to transfer.

Pro tip:Boarding is the apps most popular service, so offering it can get you more gigs.

Available on Android (rated 3.9 stars) and iOS (rated 4.9 stars).

But with an app calledStash, it doesnt have to be.

If these companies profit, so can you.

Investment advice is only provided to Stash customers.

All investments are subject to risk and may lose value.

All product and company names are trademarks TM or registered trademarks of their respective holders.

Use of them does not imply any affiliation with or endorsement by them.

2This pop in of account is a Non-Discretionary Managed Account.

This includes a self-directed individual taxable brokerage account whereby Stash does not manage this account on a discretionary basis.

3Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

4This throw in of account is a Discretionary Managed Account.

This is a taxable brokerage account that Stash has full authority to manage according to specific investment mandate.

Diversification and asset allocation do not guarantee profit, nor do they eliminate the risk of loss of principal.

5To note, SIPC coverage does not insure against the potential loss of market value.

For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

6Offer is subject to PromotionTerms and Conditions.

The Penny Hoarder is a paid marketing partner of Stash.

This information is for educational purposes only.

Investment advice is only provided to Stash customers.

All investments are subject to risk and may lose value

11.

Foap: Cash in on Your iPhone Camera Skills

Take decent photos on your smartphone?

Sell those photos through Foap.

If it sells for, say, $10, youll earn $5 every time.

Pros: Phones these days have awesome cameras, so its easier to take high-quality photos.

Once you snap the perfect shot and upload it to Foap, the works done.

You just wait for a sale.

Cons: Theres no guarantee your photos will sell.

Payment method: Youll cash out via PayPal.

Pro tip:Be sure to add relevant tags to your photos.

Just like on Twitter or Instagram, itll help users find your photos.

Available on Android (rated 3.4 stars) and iOS (rated 4.5 stars).

It removes a lot of the hassle of selling things online, and its 100% free to use.

Pros: it’s possible for you to sell virtually anything on Letgo.

This app lets you snap a photo and upload your item in less than 30 seconds.

Letgo doesnt take any percentage of the sale, so everything you earn is all yours.

Cons: Theres no guarantee that youll sell your goods.

But thats a risk on many apps like this, so buckle up and be patient.

Its recommendation for handling money?

Meet in person in a public place and transfer money only after the buyer inspects the item.

Dont accept a certified check Letgo says this is a common scam.

Shipping items is discouraged, as well.

Available on Android (rated 4.5 stars) and iOS (rated 4.4 stars).

Carson Kohler is a staff writer at The Penny Hoarder.

She loves testing out new money-making apps.

App ratings are accurate as of May 2020.

  • For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…