6 Best Money Earning Games without Investment

Not everyone has the funds to invest in starting a business, but that doesn’t mean making money is impossible. Fortunately, there are ways to earn without any upfront investment. While it may sound surprising, technology—with its constant changes and developments—makes it easier than ever to adapt and find income opportunities.

Below is a list of the best mobile apps that can help you earn money without any initial investment.

Best Earning Apps Without Investment

Rakuten

Rakuten is a mobile app that lets you earn cash back on online purchases. Every time you shop through the app, a percentage of your spending is returned to you, effectively helping you save—or even earn—money.

How it works:

1. Download and Sign Up: Get the Rakuten app using the download links below and create a free account.
2. Shop Through the App: Browse and select from the available stores within Rakuten.
3. Earn Cash Back: After completing your purchase, a percentage of your spending is added to your Rakuten account.
4. Withdraw or Use Your Earnings: Once your cash back reaches the minimum threshold, you can withdraw the money or use it as you prefer.

Swagbucks

Swagbucks is a finance-focused mobile app that allows you to earn SB (points) by engaging in various online Swagbucks is a platform that rewards you with points (called SB) for everyday online activities, which can be converted into cash or gift cards. By monetizing simple internet routines, Swagbucks provides an easy way to earn extra income—all without any upfront investment.

Ways to Earn with Swagbucks:

1. Surveys: Complete surveys on various topics, ranging from 1 to 60 minutes, and earn SB for your participation.
2. Watching Ads & Videos: Earn SB by viewing promotional videos and advertisements in the app.
3. Cashback Shopping: Get SB as cashback when you shop online through Swagbucks.
4. Web Searches: Use Swagbucks’ search engine to earn points while browsing the web.
5. Playing Games: Earn SB by playing select games available on the platform.

With just a smartphone, internet access, and the Swagbucks app, you can start earning money effortlessly. 

Fetch: America’s Rewards App

FeFetch is a mobile app that lets you earn points simply by scanning receipts from your everyday purchases. These points can be redeemed for gift cards to popular retailers like Amazon and Starbucks, helping you turn routine shopping into extra income.

How to Earn with Fetch:

1. Scan Receipts: Upload pictures of your grocery or shopping receipts to earn points.
2. Bonus Points on Select Products: Earn additional rewards for purchasing specific items highlighted in the app.
3. Special Brand Promotions: Get extra points from participating brands, which are regularly updated in the app.
4. Refer Friends: Invite others to use Fetch and earn bonus points when they scan their receipts.

Currently available only for Android devices, Fetch provides an effortless way to earn rewards without any upfront investment—just scan, accumulate points, and redeem them for gift cards.

TaskRabbit

TasTaskRabbit is a unique platform that lets you monetize your skills without any upfront investment. Whether you’re skilled in housework, cleaning, repairs, or furniture assembly, you can connect with employers and get paid for completing tasks.

How TaskRabbit works:

1. Sign Up & Verification:
   • Create an account and complete required verifications (including identity confirmation).
2. Set Up Your Profile:
   • Highlight your skills and specify your service areas.
3. Browse & Accept Jobs:
   • Select tasks matching your expertise, then discuss details like timing and payment with the client.
4. Get Paid:
   • After completing the job, TaskRabbit transfers your earnings directly to your account.

TaskRabbit is a trusted platform used by hundreds of thousands of people, ensuring a secure way to earn money on your terms.

Rover

If you love animals, the Rover app lets you turn that passion into income by connecting you with pet owners who need services like dog walking, pet sitting, or overnight care—all without any upfront investment.

How Rover works:

1. Create Your Profile:
   • Download the app and set up a profile detailing your services (e.g., dog walking, in-home stays).
2. Connect with Pet Owners:
   • Agree on job details (timing, pay, etc.) directly with clients.
3. Provide Care & Get Paid:
   • After completing the service, Rover deducts a small commission and deposits your earnings into your account.

The process is simple: complete the requested service, and your payment is handled automatically—no investment required, just your time and love for pets.

Shopkick

If you enjoy visiting stores, Shopkick lets you turn that activity into rewards. This app pays you for completing simple tasks like locating specific products, learning about items, or spending time in participating stores.

How Shopkick works:

1. Complete Tasks:
   • Earn points (called “kicks”) by performing assigned in-store activities.
2. Redeem Rewards:
   • Convert your accumulated points into gift cards, free products, or discounts.
3. User-Friendly Experience:
   • The app features a simple interface, making it easy to find and complete tasks.

No upfront investment is needed—just use the app during your regular shopping trips to start earning.

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