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30 Websites That Will Pay You For Things You Already Do

30 Websites That Will Pay You For Things You Already Do

You may not be interested in investing 40 hours a week into getting rich online, but you can still make money online in this digital age. You don’t have to work a full-time job online to benefit from all of the possible income sources out there. In fact, this is a list of websites that will actually pay you to do things you’re already doing, like shopping and surfing the web. If you’re already doing it, why not get paid for it?

1. Swagbucks

From watching videos to taking online surveys to playing games, Swagbucks offers many different ways to have fun and put cash in your pocket at the same time. Overall, you can regularly earn $25-$100 per month on Swagbucks just for doing the things you are already doing online. Swagbucks comes first on this list because I have personally made more money with them than the rest, and they seem to have the most options. They also offer cashback shopping in the form of SB points that you can redeem for Free gift cards to places like Amazon, Walmart, and Paypal.

2. BestMark

BestMark is a mystery shopping job. I’ve had much success with them, and they pay quite a bit, depending on your location. You’ll get paid to shop at different places and review the experience. A lot of it will be things like general car maintenance that you’ll already be doing. Not only will they pay you to do it, they will reimburse the cost of the service!

3. User Testing

This website is a lot of fun. After you sign up and complete the test video, you will start to receive email notifications when new website tests are available. They will give you a few tasks to accomplish on a website, while you record your screen and voice the whole time. You get paid for each website you evaluate. It usually takes about 15-20 minutes, and the pay is generally $10-$15 per website.

4. Perk

Perk is growing rapidly and constantly adding new ways to make money. You can download one of their many apps, including their popular Perk TV. Now they even have an app that actually pays you to watch TV in your home.

5. TopCashBack

This website is unique in that it gives you 100% commission when you shop through them. They don’t take a cut. They’re able to do this by allowing businesses to be featured on their homepage. In other words, they are paid by the advertisers, which works out in your favor!

6. Zoombucks

Another website that pays you to watch videos, but they also pay for contests, completing offers, playing games, and much more. Zoombucks will keep you busy earning money.

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7. FushionCash

FushionCash pays you to watch videos, among other things. They’ll even pay you to listen to the radio through a third-party service called RadioLoyalty.

8. CashCrate

Watching videos, shopping, playing games, winning contests, trying products—these are just some of the ways CashCrate pays. That would explain why they are so popular.

9. InboxDollars

Get paid to watch videos, play games, and shop, among other things. I’ve used InboxDollars for a few years now, and while it won’t make you rich, it will provide you with some extra cash.

10. MyGiftCardsPlus

This website offers competitive cashback rates for gift cards to different stores, and they are powered by Swagbucks, which means they are another way to earn SB points while getting cashback.

11. SendEarnings

SendEarnings will pay you to watch videos, play games and even shop at different stores to buy the things you’re already buying. That’s just the beginning when it comes to what they will pay you for.

12. Fat Wallet

Yet another great cashback website to use for comparison when shopping. Browse around to see who offers the most cashback for what you’re buying and earn that money.

13. MyPoints

MyPoints will pay you for watching videos and playing games, like many of the other websites here, but their main thing is cashback on popular websites like Amazon and Groupon.

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14. Memo Link

Memo Link also pays for various things, but first and foremost, they are a cashback website. You can shop at all kinds of online retailers though them.

15. Extrabux

Up to 30% cashback at over 2,000 different stores! You will definitely be able to find a retailer to shop with and get cashback through Extrabux.

16. Shop At Home

This is a cashback website that seems to focus on popular brick and mortar stores like Walmart, Target, Sears, and Macy’s. However, they do offer cashback at more stores and websites, so they’re good for comparing with other websites.

17. MainStreetSHARES

Formerly BigCrumbs, MainStreetSHARES is cashback shopping with an investing twist. You receive cashback by shopping at online stores, but you also have the ability to earn virtual shares (similar to stock shares) as part of their profit sharing program. This is truly unique.

18. Mr. Rebates

This is another great cashback website with most of the major stores to choose from. They offer up to 30% cashback on a few stores, but 5% is standard to see for many of the retailer websites they offer.

19. Second to None

This is another mystery shopper website like BestMark, but the shops are different. BestMark seems to focus more on auto-related purchases, while Second to None focuses more on smaller shops. One of their biggest assignments right now involves compliance on alcohol and tobacco products at select stores. Occasionally, there could be an important assignment (depending on your location) that could pay close to $100 for a few minutes of work.

20. BeFrugal

Most of the cashback websites offer a $3 or $5 bonus for signing up—BeFrugal offers a $10 signup bonus. They offer up to 30% cashback on select stores, and up to 10% cashback on Amazon.

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21. Ibotta

Cashback at all of the major departments stores, electronics stores, and even movie theatres. The app makes it easy to use right on your phone.

22. Coupon Cactus

Yet another great cashback website that makes it really simple for you to find your cashback coupon and go shopping. Coupon Cactus is also great for saving money in other ways. Browse around their website to figure out all of the ways you can earn and save.

23. IntelliShop

IntelliShop is a great mystery shopper website, and it’s easy to sign up and get started. They offer many different types of mystery shopping opportunities from all kinds of different businesses.

24. Sinclair Customer Metrics

This is another great mystery shopping website. They offer fun ways to shop, evaluate companies, and earn money while doing it.

25. Market Force

Market Force is a great mystery shopping company. I like that they not only have plenty of stores to mystery shop at, but you’ll also get paid to eat! Market Force seems to have more restaurants to shop at than the other mystery shopping companies.

26. InstaGC

You’ll get paid to watch videos, listen to music, shop, and do several other things. They also have a very low minimum cash out—you can get paid after earning a single dollar.

27. Analysia

This is same concept as User Testing. Each test takes about 10-15 minutes and pays $10. Analysia works the same way as User Testing—they will email you when a test becomes available.

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28. StartUpLift

Just like the two websites above, StartUpLift pays you to answer questions about different websites. The questions vary depending on what the specific client wants, but each one pays a flat $5.

29. TryMyUI

This website pays $10 for 15-20 minutes of website evaluation. You’ll visit the website, and then provide feedback on different aspects that the client is looking for.

30. Enroll

These tests fluctuate a little more than the other websites, as far as tasks to complete and pay-per-test, but Enroll is another great option to sign up for and await emails telling you when tests are available.

Additional Tips

  • Make a separate email account. You can use your personal email if you want, but it’s best to set up a new email account that is specifically dedicated to making money online. This will keep your personal inbox clear and it will make it easier to organize emails from these specific websites.
  • Don’t use these websites as a bank. As soon as you reach the minimum for withdrawal, take your money. You never know if and when the website could unexpectedly close. This way, you also won’t have to worry about any errors with funds that you store at the website.
  • Don’t forget to pay your taxes. You may be surprised to find that you can easily earn a few thousand dollars over the course of a year. The government will be interested in this new endeavor as well. Make sure to claim the money as income and report it properly on your taxes at the end of the year.

BONUS: Websites That Pay You to Write

  • FundsforWriters -The article must pertain to writing, and they pay $50 per accepted post. Must be between 500-600 words.
  • Uxbooth – Uxbooth accepts all kinds of topics and articles. They pay $100 per accepted post. Must be between 1,200-1,800 words.
  • Listverse – The article must be a list, and they pay $100 per accepted post. There is a 1,500-word minimum.
  • TopTenz – TopTenz also only accepts list posts, and they pay $50 per accepted post. There is a 1,500-word minimum.
  • A List Apart – You guessed it, it must be a list post. They pay $200 per accepted post, but they publish less often, therefore, they accept less posts. There is a 1,500-word minimum.
  • iWriter – iWriter offers many topics and accepts a lot of posts. They pay $15 per accepted post. There are no guidelines on word count.
  • Textbroker – The pay is lower, but they have many articles to write. They pay up to $.05 per word. There are no guidelines on word count.
  • Matador Network – The pay fluctuates, but they pay up to $60 per accepted post. There is a 1,500-word maximum and no minimum.

This list is a goldmine for you to take advantage of. I’ve used websites like these to make extra cash for years—I’ve even got a free laptop from these types of websites—so they are worth your time. Stay organized, keep track of your earnings, and you’ll be surprised at how much money you can make by doing the things you already do.

Featured photo credit: Man Packing His Things on Vacation/Viktor Hanacek via picjumbo.com

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Kalen Bruce

Military, Writer

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Last Updated on March 3, 2021

Top 6 Hacks on How To Build Credit Fast

Top 6 Hacks on How To Build Credit Fast

When done right, credit can open doors and provide a lifestyle that you never imagined possible. Anything from flying around the world in first-class and staying at 5-star hotels entirely for free to starting and scaling businesses. It’s also an area where it can be easy to make mistakes and hard to recover from without the right information. In this article, I will break down how you can build credit fast so you can open doors in your life!

When you start to think about improving your credit score, you have to answer three important questions first:

  1. What are you trying to achieve by having good credit?
  2. What really is your credit score?
  3. How is your credit score calculated?

What Are Your Credit Goals?

Having a high credit score is great, but ultimately, your credit score is a tool in your personal finance arsenal that you can use to open doors. The first question you should ask yourself is “what will a higher credit score do for me?”

I work with many clients directly at Freedom Travel Systems to help them fully leverage the power of their credit so they can enjoy free luxury travel and start or grow their business. For my clients and many others, here are a few common goals many credit-savvy individuals have:

  • Free Travel – getting access to travel rewards cards so you can get tons of free travel and even get first-class flights, hotel suites, and luxury amenities all for free
  • Start/Grow a Business – getting access to business credit so you can start and grow a business with 0% or low-interest financing that does not impact your personal credit
  • More Approvals – getting approved for credit cards, auto loans, or mortgages so you improve your lifestyle or build your personal wealth
  • Better Rates – getting better interest rates on any loans you get will save you tens or hundreds of thousands of dollars over your lifetime

What Is Your Credit Score?

Your credit score is simply a 3-digit number that tells potential lenders how reliable of a borrower you are. Keep in mind that lenders, such as banks and credit issuers, stay in business by lending. Their goal is to find the people that have the highest probability of paying them back and they assess this primarily through your credit score.

What’s important to know is that there are two major scoring models used to create your scores. These scores are your FICO Score and your Vantage Score. More than 90% of lenders rely on your FICO score, so when you are checking your score, you want to make sure you see the actual score that the lenders use. And no, checking your own score does not hurt your credit!

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Then enters the 3 main credit bureaus, which are essentially agencies that collect credit information on you. These are Experian, Equifax, and TransUnion. These bureaus then apply a scoring model to the information they have on you and voila, you now have a credit score! Bureaus sometimes have different information on your report, which is why you will see 3 different scores.

How Is Your Credit Score Calculated?

Next, you need to understand how the credit score is calculated. This will provide a high-level overview, but there is more detail to each of these factors alone.

There are 5 main factors in the calculation of your credit score:[1]

  1. Payment History (35%) – This refers to the amount and percentage of on-time payments you have.
  2. Utilization (30%) – This is how much revolving credit you use as a percentage of the total revolving credit issued to you. Note that installment loans like auto-loans or mortgages do not count towards this while credit cards do.
  3. Age of Credit (15%) – This refers to how long your credit history is, primarily your “average age.”
  4. Credit Mix (10%) – This is how many different types of credit you have. For example, there are credit cards, student loans, auto loans, mortgages, personal loans, and lines of credit.
  5. New Credit (10%) – This primarily refers to how many inquiries you have for new credit.

Top 6 Hacks on How to Build Credit Fast

Now that you’ve learned more about your credit score, here are the top 6 tips on how to build credit fast.

1. Don’t Close Your Cards

Many of us are taught that getting a new credit card is bad and having too many will hurt your score. In fact, the opposite is true. You want to have many positive accounts reporting to your credit report. Logically, this makes sense because having more accounts with more on-time payments shows that you are a more reliable borrower. You just don’t want to open too many accounts too quickly since that can hurt your “new credit” factor.

Instead of closing a card, what you should do is simply keep the card open and put a small subscription service on it monthly. Why? Because each time you have an on-time payment, it helps build your payment history, the largest factor of credit.

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If you close a card, you are missing on potential on-time payments, age of credit, credit mix, and also lowering the total credit lent to you so your utilization percentage may go up. If you have an annual fee on a card you don’t like, see if there is a “no-fee” version of the card and downgrade it to that card rather than close it.

2. Use Autopay to Never Miss a Payment

This one is easy to do and easy not to do. Go into your credit card account and set up auto-pay. You can choose to either pay the full amount, the statement balance, or the minimum payment. Personally, I like to set up autopay to pay the minimum payment so that I never get a late payment. Then, I go in and manually pay the statement balance each month by the payment due date.

This helps me personally see my spending and have a manual review of my charges while ensuring, not have to pay interest, and still get the benefit of making sure that I never miss a payment if something goes wrong. Think about it, if you were to have a medical or family emergency, the last thing you want to experience on the back end of that is a late payment and a drop in your credit score. So, set up autopay.

A pro tip is to update your payment due dates across all bills and accounts to be the same so that you can “time batch” the process and have one time a month where you sit down and handle your payments. You can do this by simply contacting the credit card company or doing it online.

3. Get a Credit Limit Increase to Lower Your Utilization

One of the factors that get most people into trouble is using too much of their allotted total credit. Their utilization, which is the percentage of revolving credit they use, goes up, and their score tanks. You should aim for less than 30%, and in an ideal world, less than 10%.

To help drive this down, call your credit issuer and ask for a credit limit increase. This will help increase the total amount of credit extended to you and drop your utilization. Oftentimes, they will only give it to you when your utilization is fairly decent (less than 50%), so work to pay it down as best as possible before doing this. You should ask if the credit limit increase will give you an inquiry as some banks do a hard inquiry while some do not. If they do a hard inquiry, it is often better to just get a new card altogether or pass.

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4. Add Authorized Users to Increase Your Age, Add History, and Decrease Utilization

This is one of the best hacks out there as it helps with the 3 biggest factors of improving your credit: payment history, utilization, and age. This concept is also called “credit piggybacking” where someone with great credit history on a card adds an authorized user (AU) to the card. When the AU gets added, the credit history and information from that card are added to the AU’s report!

This is extremely helpful for people with young credit because it can drastically increase your age of accounts. It can also help many people with limited payment history or high utilization.

Please be aware that anything good or bad on that account you are added to will show up on your report. So, you want to avoid any cards with negative marks or high utilization. That being said, it is a one-way street, so nothing that you do with your credit can impact the primary account holder.

This is so valuable that there are companies that sell AU accounts. I always suggest starting with your family and/or personal network first as there are likely people in your network that can help!

5. Space Out Your Application Strategy

New credit is the smallest factor of credit, but it still matters! If you are looking to build up your credit, you should space out your applications. If you apply for too much credit in a short period, it looks very needy in the eyes of the lenders. For this reason, it is safest to apply for cards slowly over time unless you have really studied more in-depth how this works. A good rule of thumb is once every few months.

If you are in the credit game for the hopes of getting tons of credit card points for free travel, which is what I personally take full advantage of, you will want to familiarize yourself with the different bank rules and card promotions to put together the right application strategy. Applying blindly will waste inquiries and leave tons of benefits on the table!

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6. Review Your Report for Negatives

If you have any negative or “derogatory” marks on your credit report, this will hurt you drastically. They do impact you less as they age, however, you should review your credit report to ensure that everything on your report is 100% accurate and actually yours. Wrong information ends up on credit reports all the time and you will want to take personal responsibility for making sure it is accurate.

The “burden of proof” is on the credit bureau to confirm that any information on your report is in fact accurate. If you find inaccuracies, you can dispute that with them, or you could consider getting a credible credit repair company to help you.

Final Thoughts

There you have it, the top 6 tips on how to build credit fast so you can get closer to reaching your goals. Now that you’ve learned more about how credit score works and how you can improve yours, you’ll hopefully be able to make better financial decisions and achieve your financial goals quicker.

More Tips on How to Build Credit Fast

Featured photo credit: CardMapr via unsplash.com

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