Best Free Money Apps: A Comprehensive Guide

Are you looking to maximize your financial gains without spending a dime? Look no further! In this detailed guide, we’ll explore the best free money apps available today. These apps can help you earn cashback, save money, and even invest your spare change. Let’s dive in and discover how you can make the most of these free financial tools.

1. Rakuten (formerly Ebates)

Rakuten is a popular cashback app that allows you to earn money by shopping online through their platform. Simply sign up, link your credit or debit card, and start earning cashback on your purchases. Rakuten offers cashback on a wide range of retailers, from popular online stores to niche marketplaces.

Category	Cashback Rate
Electronics	Up to 6%
Clothing	Up to 4%
Travel	Up to 10%
Health & Beauty	Up to 5%

2. Dosh

Dosh is a cashback app that offers cashback on your everyday purchases. Simply link your credit or debit card to the app, and Dosh will automatically apply cashback to your card when you shop at participating merchants. You can also earn cashback by referring friends to the app.

One unique feature of Dosh is that it allows you to set up a “Dosh Jar,” where you can save your cashback earnings. Once your Dosh Jar reaches a certain amount, you can cash out and receive your money via PayPal or Venmo.

3. Acorns

Acorns is a micro-investing app that rounds up your purchases to the nearest dollar and invests the spare change. This app is perfect for beginners who want to start investing without a large initial investment. Acorns offers a variety of investment portfolios, and you can choose the one that best fits your financial goals.

Acorns also offers a referral program, where you can earn a $5 bonus for each friend you refer who signs up and invests at least $5.

4. Qapital

Qapital is a budgeting and savings app that helps you save money by setting up automatic rules for your spending. You can create rules based on your spending habits, such as saving a percentage of your purchases or setting aside money for a specific goal. Qapital also offers a referral program, where you can earn $5 for each friend you refer who signs up and sets up an account.

5. Digit

Digit is a money management app that helps you save money by analyzing your spending habits and setting aside small amounts of money for savings. Digit uses machine learning to determine how much you can afford to save without impacting your daily spending. Once your savings goal is reached, Digit will transfer the money to your bank account.

6. Stash

Stash is a micro-investing app that allows you to invest in a variety of stocks, ETFs, and bonds. Stash offers a variety of investment portfolios, and you can start investing with as little as $1. Stash also offers a referral program, where you can earn a $5 bonus for each friend you refer who signs up and invests at least $5.

7. Qlink

Qlink is a cashback app that offers cashback on your mobile phone bill. Simply sign up for Qlink, link your phone number, and start earning cashback on your monthly phone bill. Qlink also offers a referral program, where you can earn $5 for each friend you refer who signs up and links their phone number.

8. Fetch Rewards

Fetch Rewards is a cashback app that allows you to earn cashback on your grocery purchases. Simply scan your receipts, and Fetch Rewards will automatically apply cashback to your account. You can also earn cashback by completing surveys and participating in promotions.

9. Swagbucks

Swagbucks is a rewards program that allows you to earn points for completing surveys, watching videos, and