Smartphone displaying various passive income apps on a workspace with laptop, coffee, and notepad

Passive income has become a buzzword in recent years, and that is definitely for a good reason. Who wouldn’t want to earn extra money with minimal effort? In the US, there is an abundance of passive income apps that promise just that. 

Whether you’re looking to earn cashback on your everyday purchases, invest your spare change, or rent out your unused space, there’s an app for everything for you. With the rise of digital technology, earning a passive income has never been easier or more accessible.

In this blog, we have explored some of the top passive income apps available in the US. Whether you’re looking for new income apps to diversify your earnings or seeking app ideas to earn money, we’ve tried to put as much information as possible. We’ll break down how these apps work, their benefits, and how you can get started. 

Cashback and Rewards Through Passive Income Apps 

Person shopping online with passive income apps like Rakuten, Ibotta, and Drop on the screen.

Rakuten (formerly Ebates)

Rakuten is one of the highest paying passive income apps, offering generous cashback rates on purchases from a wide range of retailers. It’s an excellent app for passive income if you frequently shop online.

How it works: Users shop through Rakuten’s links or app to earn cashback. Once you accumulate enough cashback, you receive quarterly payouts via check or PayPal. Rakuten partners with thousands of retailers, making it easy to earn money back on nearly every purchase.

Benefits: The primary benefit of Rakuten is its ease of use. You can shop as you normally would, but only through Rakuten’s portal. There are also frequent promotions that can boost your cashback rates. It’s a great way to earn passive income with minimal effort.


Ibotta is a great new income app that provides cashback on groceries and other everyday items. It’s particularly useful for those who regularly shop at grocery stores, as it offers specific rebates on a wide range of products.

How it works: Users can either scan their receipts or link their loyalty cards to the Ibotta app. When you purchase qualifying items, cashback is added to your Ibotta account. Once you reach a certain threshold, you can withdraw your earnings via PayPal, Venmo, or gift cards.

Benefits: Ibotta frequently offers bonuses and promotions, making it possible to earn even more cashback. It’s an excellent way to earn passive income on purchases you’d be making anyway. Plus, the app is user-friendly and integrates seamlessly with your shopping habits.


Drop is another top contender among the highest paying passive income apps. This app rewards users with points for shopping at partnered retailers, which can be redeemed for gift cards.

How it works: Users link their credit or debit cards to the Drop app. When you make purchases at participating retailers, points are automatically added to your account. You can then redeem these points for gift cards to popular stores like Amazon, Starbucks, and more.

Benefits: Drop’s seamless integration with your existing spending habits makes it an easy way to earn passive income. You don’t need to scan receipts or enter promo codes; shop as usual and watch the points accumulate. It’s a simple, hassle-free way to make your everyday spending more rewarding.

These cashback and rewards apps are also passive income apps that can effortlessly earn you money on your regular purchases. They are some of the best app ideas for earning money without changing your shopping habits, making them a smart and efficient way to boost your earnings.

Renting and Sharing Economy Apps For Passive Income

Person managing rentals on passive income apps like Airbnb, Turo, and Neighbor in an urban apartment.


Airbnb is not only a new income app but also one of the highest paying passive income apps if you have extra space to rent out. By listing your home or a spare room on Airbnb, you can generate significant passive income.

How it works: Hosts list their properties on Airbnb, set their own prices, and manage bookings through the platform. Airbnb provides tools for communication with guests, managing bookings, and handling payments.

Benefits: The flexibility of Airbnb allows you to rent out your space when it’s convenient for you. With high demand for short-term rentals in many areas, it can be a lucrative way to earn passive income. Plus, Airbnb’s host guarantee provides peace of mind by covering potential damages.


Turo allows you to earn passive income by renting out your vehicle, making it a top app for passive income. If you have a car that you don’t use daily, Turo can help you turn it into a money-making asset.

How it works: Car owners list their vehicles on Turo, set rental prices, and manage bookings through the app. Turo handles insurance and provides coverage for the duration of the rental.

Benefits: Renting out your car through Turo can generate significant passive income, especially if you live in an area with high demand for car rentals. The platform provides comprehensive insurance coverage and a user-friendly interface for managing rentals.


Neighbor turns your unused storage space into a source of passive income, positioning itself among the highest paying passive income apps. By renting out spaces like your garage, basement, or attic, you can earn money from areas that would otherwise go unused.

How it works: Users list available storage spaces on Neighbor, set their own rental rates, and manage bookings through the platform. Neighbor handles the payment processing and provides insurance coverage.

Benefits: Neighbor offers a flexible and convenient way to earn passive income from your unused spaces. With its insurance coverage and user-friendly platform, you can feel secure renting out your storage areas.

These renting and sharing economy apps provide excellent opportunities to generate passive income from assets you already own. They are some of the best app ideas to earn money by making the most of your available resources, whether it’s a spare room, a car, or storage space.

Survey Apps: Free Passive Income Apps

Person completing surveys on passive income apps like Swagbucks and InboxDollars at an outdoor cafe.


Swagbucks is a versatile app for passive income that rewards you for completing various online tasks. It’s an excellent option if you want to earn small amounts of money during your free time.

How it works: Users earn points (Swagbucks) by taking surveys, watching videos, playing games, shopping online, and even searching the web. These points can then be redeemed for gift cards or cash via PayPal.

Benefits: Swagbucks offers multiple ways to earn rewards, making it easy to find activities that suit your preferences. The platform frequently runs promotions and bonuses, increasing your earning potential. As a free passive income app, Swagbucks is accessible to anyone looking to make some extra money without significant effort.


InboxDollars is another free passive income app that pays you for taking surveys, reading emails, and participating in other online activities. It’s a straightforward way to earn cash in your spare time.

How it works: Users sign up for InboxDollars and start completing available tasks to earn cash rewards. Unlike some other apps, InboxDollars pays in cash rather than points, making it easier to see your earnings accumulate.

Benefits: InboxDollars provides a variety of earning opportunities, so you can choose tasks that fit your interests and schedule. The app is user-friendly and offers clear payment methods, including checks and gift cards. For those looking to make the most of their downtime, InboxDollars is a reliable and effective choice.

Additional Tips to Earn from Passive Income Apps

  • Maximize Earnings: Use multiple apps to diversify your income sources and maximize your earnings. For example, you can use a cashback app like Rakuten alongside an investment app like Acorns.
  • Stay Consistent: Regularly check for new offers and opportunities on your chosen apps to ensure you’re taking full advantage of their features.
  • Leverage Referrals: Many passive income apps offer referral bonuses. Share your referral codes with friends and family to earn additional rewards.
  • Monitor Your Progress: Keep track of your earnings and set financial goals to stay motivated. Use the apps’ tracking features to see how much passive income you’re generating over time.

Passive Income Apps can Be a Moneysaver and a Lifesaver 

Passive income apps offer a convenient and often enjoyable way to supplement your income with minimal effort. From cashback on everyday purchases to investing spare change and renting out unused assets, there are numerous opportunities to earn extra money. By exploring these free passive income apps, you can find new ways to boost your earnings effortlessly.

Whether you’re interested in the highest paying passive income apps or looking for new income apps to diversify your income streams, there’s something out there for everyone. Start exploring these app ideas to earn money today and take control of your financial future. Remember, the key to maximizing your passive income is to choose the apps that best fit your lifestyle and financial goals.

Resources and References

FAQs about Passive Income Apps

1. How can I make $1000 a month passively?

To make $1000 a month passively, diversify your income sources:

  1. Use Cashback Apps: Rakuten and Ibotta for everyday purchases.
  2. Invest: Acorns and Robinhood to grow your money.
  3. Rent Out Assets: Airbnb for your home, Turo for your car, and Neighbor for storage space.
  4. Complete Tasks: Swagbucks and InboxDollars for extra earnings.

By combining these strategies, you can work towards making $1000 a month with passive income apps.

2. Which app is real for earning money?

Real and reputable passive income apps include:

  • Rakuten: Cashback on purchases.
  • Ibotta: Cashback on groceries.
  • Acorns: Invest spare change.
  • Robinhood: Commission-free stock trading.
  • Airbnb: Rent out your home.
  • Turo: Rent out your car.
  • Neighbor: Rent out storage space.

These apps are trusted and widely used.

3. Are there any real passive income apps?

Yes, real passive income apps include:

  • Rakuten: Cashback on purchases.
  • Acorns: Invest spare change.
  • Fundrise: Invest in real estate.
  • Digit: Automatic savings.
  • Qapital: Customizable savings.

These apps are proven and reliable.

4. How do I earn passive income on my phone?

To earn passive income on your phone:

  1. Download Apps: Rakuten, Acorns, Ibotta, Fundrise.
  2. Set Up Accounts: Link bank accounts or cards.
  3. Shop for Cashback: Use Rakuten and Ibotta.
  4. Automate Savings: Use Digit and Acorns.
  5. Rent Out Assets: Use Airbnb, Turo, Neighbor.

These apps make it easy to earn passive income directly from your phone.


  • Raghu Gosika

    An aspiring author with a Master's degree in Mass Communication and Journalism. His comprehension of any subject matter makes him a proficient writer in any field he sets his mind on. In search of his own story, he chose a career in copywriting and content writing to hone his skills as an effective narrator. With over 3+ years of experience, he has worked with various niches and target audiences along the way.