Best Make Money
Based on In-Depth Reviews

Best For Coupons and Offers 

Screenshot Mypoints.com, June 2020

Like most services on our list, MyPoints is a points-based reward exchange. What makes it shine is the large number of available offers from which to amass points. These offers are available both through online retailers and in-store shopping. 

When users log into MyPoints, they’re presented with an array of offers and discounts for purchases with major retailers and e-services. If they choose any of these offers, MyPoints then hands out points for each dollar spent. As with other paid survey services, points are awarded for a variety of activities including contests, watching videos, buying gift cards, playing games, or simply by using print-out coupons. 

MyPoint also partners with Coupons.com to provide both retail and grocery coupons. You earn 25 points for each coupon you redeem and 1 point for each coupon printed. Points from printing will garner points for up to 500 coupons a month. On MyPoints, 790 points translate roughly to one $5 gift card, although some offers may require fewer points. PayPal cards range from 1,590 points for $10 all the way to 15,880 points for $100. MyPoints also has a welcome bonus; users that verify their email address will receive 800 points to their account.

Freedom Debt Relief, LLC, headquartered in San Mateo, California, specializes in debt negotiation and resolution services. Established in 2002, it offers counseling and tailored strategies to aid consumers in reducing their debt burdens, alongside negotiating with creditors on their behalf. As the largest debt negotiator in the United States, Freedom Debt Relief has successfully settled over $18 billion in debt since its inception. Operating as a wholly owned subsidiary of Freedom Financial Network, the company boasts a workforce of approximately 600 employees nationwide.

Since 2002, Freedom Debt Relief (FDR) has been at the forefront of providing debt negotiation and reduction services. As the largest player in the industry within the United States, FDR has facilitated the settlement of over $15 billion in debt on behalf of its clientele.

FDR's approach starts with a complimentary evaluation and consultation conducted by a certified debt consultant. During this session, consumers receive guidance tailored to their specific financial circumstances and objectives. While the company primarily focuses on debt settlement through negotiation, it also offers advice on debt consolidation loans. FDR is transparent about the merits and drawbacks of this strategy, outlining the qualifications necessary for consumers to leverage this option effectively. Although possessing good credit is not a prerequisite to becoming an FDR customer, individuals with a favorable debt-to-income ratio and a stable income stream may find the program better suited to their needs. While FDR does not function as a lender, it assists eligible customers in initiating the process. Like other reputable debt negotiation firms, FDR operates on a no-fee-upfront basis, charging fees only once customers witness tangible results.

Best Overall

Screenshot Swagbucks.com, June 2020

Swagbucks stands out as our overall best for its point-to-dollar rates, great set of mobile applications, and transparency when it comes to how they work and how users can obtain points.  

Information on rewards is easily accessible and gives you a clear understanding of how your points will be converted into dollars. The equivalency ratio is 100 Swagbucks (SB) per $1.00. This means that a $5 dollar PayPal, Visa, or Amazon card will cost you around 500 swagbucks (SB). By the same arithmetic, 10,000SB would get you a $100 gift card. Surveys and tasks will usually reward you anywhere from 40 to 300 SB. 

Swagbuck units are also available through a variety of survey options and activities such as watching videos, printing coupons, participating in cash back offers, and buying gift cards. Currently, a $10 sign up bonus is available when you activate your account and spend at least $25 on one of their featured stores. There's also a welcome bonus of 500 SBs: 200 for email verification, 200 for mobile verification and 100 for profile survey completion.

National Debt Relief Company Overview:

Founded in 2009, National Debt Relief (NDR) specializes in debt settlement, assisting clients in reducing unsecured debts such as credit cards, personal loans, and medical bills. The company has helped over 500,000 clients resolve their debts. NDR is accredited by the American Association for Debt Resolution and holds an A+ rating from the Better Business Bureau (BBB).

Services Offered:

National Debt Relief specializes in offering comprehensive debt consolidation and debt relief services to individuals seeking financial stability. Presently, National Debt Relief extends its debt negotiation programs to clients contending with $10,000 or more in unsecured debts, encompassing liabilities from credit cards, medical bills, collections, and business debts.

Fees, Interest Rates, and Terms:

NDR charges performance-based fees, typically up to 25% of the total debt enrolled, which are only collected after a settlement is reached and at least one payment is made to the creditor. Since NDR does not offer loans, interest rates are not applicable. Clients make monthly deposits into a dedicated account to fund future settlements.

Who It's Best For:

National Debt Relief is a reputable option for individuals struggling with unsecured debt who are seeking a settlement-based solution. It is best suited for those with significant debt looking for an alternative to bankruptcy or traditional debt consolidation methods.

Freedom Debt Relief Company Overview:

Freedom Debt Relief (FDR), founded in 2002, is a reputable company specializing in debt settlement. With over 20 years of experience, FDR has helped hundreds of thousands of clients reduce their unsecured debt and regain financial stability. FDR is accredited by the American Fair Credit Council (AFCC) and holds an A+ rating from the Better Business Bureau (BBB), ensuring compliance with industry standards.

Services Offered:

FDR offers personalized debt settlement programs, negotiating with creditors to lower the amount owed. While they do not provide traditional debt consolidation loans or credit counseling, their tailored programs focus on creating manageable repayment plans for clients overwhelmed by unsecured debt.

Fees, Interest Rates and Terms:

Freedom Debt Relief charges fees ranging from 15% to 25% of the settled debt, which are only collected after a settlement is reached, ensuring transparency without requiring upfront payments. As FDR does not offer loans, interest rates are not applicable; instead, clients contribute monthly deposits into a dedicated account to fund future settlements.

Who It's Best For:

Freedom Debt Relief is a trustworthy option for individuals struggling with unsecured debt who are seeking a settlement-based solution rather than traditional consolidation or credit counseling. It is best suited for those with significant debt looking for an alternative to bankruptcy.

Best For Cash

Screenshot Inboxdollars.com, June 2020

We found InboxDollars to be the best service for cash rewards, offering a $5 bonus when users activate a new account. Inbox Dollars makes it easy for you to keep track of your balance through their Earnings Tracker. 

Payout is approximately $0.50 to $5.00 per survey. Users can cash out as soon as they have a minimum of $30 dollars. Payments are received in the form of check or ePayment. When cashing out, a $3 processing fee is withheld from the balance and then refunded to the account after the transaction is complete.  

Besides earning cash for completing surveys, users can also get rewards from watching videos or reading emails, as well as cash back for online shopping and mobile games. Depending on your activity on the site, InboxDollars may qualify you to participate in PaidEmails. As the name suggests, you will get paid for reading emails from brands and offers tailored to your consumer profile.

Coupons are also available and offer cashback opportunities for major food, cosmetics, pet food, and baby product brands. For every ten coupons you redeem, a $1 is credited into your account. Note that advertisers can take from 2 weeks and up to a month to report purchases.