Whether you’re just looking for a few side gigs to make money from home or aiming to become a full-time freelancer, you’ll quickly find there are countless ways to earn online.
But here’s the catch—not all opportunities are equal. One major red flag? Companies that ask for upfront payments for supplies or materials.
These setups are problematic for a few reasons. Often, they’re outright scams designed to steal your money or identity. How can you be sure they won’t take your “start-up fee” and never send what they promised?
Even if it’s not a scam, it might be a pyramid scheme—taking your money while knowing you’ll likely fail at making any real income with them.
These companies often target people in vulnerable situations.
The idea is that those desperate to earn online will do anything—even pour money into something with zero guarantees.
Keep this in mind when browsing freelance gigs. You shouldn’t have to drain your bank account just to get started.
So, how can you earn online without investing money? Luckily, we’ve put together 11 solid ways to do just that. Keep reading to learn more.
How to Make Money Online: How Rob Uses 6 Little-Known Sites to Make Money From Home!
1. SurveyJunkie
When it comes to making money online, SurveyJunkie remains one of the best options out there. Their website says they pay you to “be an influencer.”
You’ll take surveys from brands, sharing your opinions on products and services. No upfront investment—just start earning right away.
Complete surveys, earn points (redeemable only in their portal), and cash out via PayPal or e-gift cards for stores like:
- Amazon
- Target
- Walmart
People love SurveyJunkie because it’s simple, flexible, and actually pays. One user even said, “SurveyJunkie is the best survey community I’ve used—great rewards too!”
If you’re new to freelancing or remote work, this is a great way to dip your toes in.
2. Mistplay
Mistplay is a free app that rewards you for playing mobile games. Download games through their platform, level up, and earn points for gift cards (Amazon, Visa, PlayStation, Starbucks, etc.).
3. Sweatcoin
This one’s a no-brainer—you invest in yourself by getting active. Walk, earn Sweatcoins, and redeem them for cool stuff like iPhones, Apple Watches, or even PayPal cash.
The app tracks your steps (1,000 steps = 0.95 Sweatcoins). Over time, those coins add up. Right now, you can get:
- $50 Vivobarefoot credit (75 coins)
- $1,000 PayPal cash (20,000 coins)
It’s passive income that keeps you healthy. Win-win!
4. Turo
Got a car? Rent it out on Turo (like Airbnb for vehicles). No fees—just list your car, set availability, and hand over the keys when booked. Turo includes $1M liability insurance and 24/7 roadside assistance.
5. Airbnb
Own a home or apartment? Rent it (or just a room) on Airbnb. You set the price, and Airbnb handles protections. Just check with your landlord first if you’re renting!
6. GetUpside
Use this app to get cash back at gas stations, restaurants, and grocery stores (up to 35% back!). Just download, shop at partner locations, and earn.
7. Ibotta
Another cash-back app—scan receipts or link loyalty cards after shopping at stores like Walmart, CVS, or Kroger. Earnings go straight to PayPal or Venmo once you hit $20.
8. Long Game
A savings app with a twist: Save money in an FDIC-insured account, earn “coins,” and play games to win cash (up to $1M) or even cryptocurrency.
9. Swagbucks
Earn “Swagbucks” (SB) by searching the web, taking surveys, or shopping online. Cash out at 100 SB = $1 via PayPal or gift cards.
10. Nielsen Computer & Mobile Survey
Let Nielsen track your internet usage (anonymously) for market research. You’ll be entered into a $10,000 monthly giveaway.
11. Writer
Start a free blog (earn from ads) or write for content platforms. Most don’t require upfront fees—just a writing sample.
Final Thought: You Can Earn Without Paying Upfront
Think about your first job—maybe at a restaurant or retail store. Did they ask you for money? No. Legit online jobs work the same way.
A reputable company won’t charge you to work for them. They’ll invest in you.