If you’re looking for ways to make extra money without any upfront investment, several apps offer the opportunity to earn rewards, cash, or gift cards through simple activities like surveys, referrals, and tasks. Here’s a list of the best money-making apps that require no initial investment and allow you to start earning today.

1. Google Opinion Rewards

• How it Works: Complete short surveys and earn credits or PayPal cash.
• Payout Method: Google Play credit or PayPal.
• Best For: Users who want easy, fast rewards without spending any money​91mobiles.

2. Swagbucks

• How it Works: Earn points by watching videos, playing games, answering surveys, and shopping online.
• Payout Method: PayPal cash or gift cards.
• Best For: Those looking for multiple ways to earn points and quick payouts​FinanceBuzz​Side Hustle Nation.

3. CashKaro

• How it Works: Earn cashback on purchases and refer friends to multiply earnings.
• Payout Method: PayPal or direct bank transfer.
• Best For: Online shoppers seeking cashback and referral bonuses​Trading Apps.

4. Meesho

• How it Works: Resell products with zero inventory; profits are earned from each successful sale.
• Payout Method: Bank transfer.
• Best For: Those interested in e-commerce without investment in inventory​The Share Brokers.

5. Cash’em All

• How it Works: Earn coins for every second spent playing games, with payouts available through PayPal or gift cards.
• Payout Method: PayPal or gift cards.
• Best For: Gamers who want to monetize their hobby​Well Kept Wallet​Side Hustle Nation.

6. InboxDollars

• How it Works: Complete surveys, watch videos, play games, and more to earn real money.
• Payout Method: PayPal or gift cards.
• Best For: Users who prefer a variety of tasks to accumulate rewards​Millennial Money.

7. Rakuten (formerly Ebates)

• How it Works: Get cashback on online shopping, with regular bonus offers for referrals.
• Payout Method: PayPal or check.
• Best For: Frequent shoppers looking to maximize savings and earn extra cash​Side Hustle Nation.

These apps are ideal for students, freelancers, homemakers, and part-timers seeking flexible income streams without the need for any investment. Whether you enjoy surveys, reselling, gaming, or online shopping, these platforms make it easy to start earning immediately.