16 Ways to Make Money Online Without Spending a Penny

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Who does not want to make money online? There are literally hundreds, if not thousands of ways to earn money online. Many of the options that are on this page are methods that I’ve actually used myself and made money from. I’ve done some of the work to see if these sites do, in fact, pay. You can learn from my experiences and start to earn money online today. In the interest of full disclosure, I may be compensated should you sign up for some of these programs with my referral links.

Figuring out how to make money online in your spare time can help you do some pretty important tasks in life like pay bills, get rid of some debt, or save for retirement.

Make Money Online with Search and Win

One of the easiest ways to make a few bucks over the course of a year is by doing searches and watching short videos on a site like Swag Bucks. Everyone does Internet Searches, why not get paid to do it?

1. SwagBucks

This site pays people in virtual currency that can be turned in for e-gift cards from leading merchants. Getting straight up cash in a PayPal account is another option. I’ve personally brought in more than $1,800 from using Swagbucks. My first post on this site was a review of Swagbucks. It’s my one of, if not my favorite site to use for earning money online. You can sign up for Swagbucks here.

2. GiftHulk

This site is pretty easy to sign up for, and you can earn enough each for an Amazon gift card or a number of other great rewards. There are other rewards including PayPal cash that are pretty easy to access, as well. Start earning on GiftHulk by signing up here.

Credit Card Signup Bonuses

Banks want to earn your business. To do so, they will frequently offer free money for signing up for one of their credit cards, savings, or checking accounts. While you’ll have to deposit money or spend a bit of money to earn the money, these bonuses can be worth it if you pay off your bill each month and pay out no interest or late fees. If you spend money that you’d already be spending anyway and avoid interest or late fees, you’re basically earning without spending an extra penny.

3. Chase Freedom Unlimited

The Chase Freedom Unlimited requires an online application for those with good credit records. Those who qualify can then spend $500 in the first three months after opening the account and get a cash bonus of $150. While this technically requires spending a penny, if you have to spend as little as $500 in three months, this is an easy score. This is free and clear cash that can be used for basically anything that you can use cash for. Furthermore, you can earn 1.5 percent cash back on every dollar spent on the card. You can sign up for the Freedom Unlimited here.

4. Chase Freedom

The Chase Freedom card is much like the Freedom Unlimited. The Freedom also has rotating categories that pay 5 percent on the first $1,500 in purchases in the bonus categories. All other purchases earn 1 percent cash back. The card requires $500 spending over three months to earn the $150 bonus. This is basically a 30 percent return on the spend. Most people will spend more than $167 on food and gas each month, so the $150 bonus should be easy to get. Just make sure to pay off every penny each month to avoid interest charges and/or late fees that will erode the benefit of the $150 cash back bonus pretty quickly. You can sign up for the Chase Freedom here.

Make Money Online With GPT Sites

There are tons of sites out there that will pay people to do certain tasks like answer surveys, view websites  and complete free (or paid) cash offers. Some of these are not reputable. Others are. Four that I’ve gotten paid from are:

5. EarnHoney

You can actually earn while while doing pretty much nothing, even sleeping. Check out my EarnHoney review here.

6. Earnably


I’ve recently signed up for Earnably recently, and it took me slightly above a day to cash out–basically from letting videos play passively. Redemption of points starts at $1 for PayPal, Amazon, or Bitcoin. You can sign up for Earnably here.

7. CashCrate


Check out my CashCrate review here. As you can see, I’ve make more than $1,000 from using CashCrate. 

8. Clixsense

9. Treasure Trooper

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Selling Items Online

Selling items online is a great way to make money. Many of the items that you can sell are probably already in your home gathering dust, but that does not mean that someone else might not find these goods valuable. Two of the more popular sites for selling goods online are:

10. Amazon.com

11. eBay

All you need is a seller’s account, and you can make money. Also, it is possible to get items to sell at a huge discount through yard sales and stores like Goodwill.


There are sites that allow people around the world to do tasks that computers cannot do. Some of these will not pay well, but some people are able to make an income that is pretty decent. One site that I’ve used to make a bit of money is

12. M-Turk 

This site is owned by Amazon.com, and those who do some work can get their funds in Amazon credit or as cash sent to a bank account. The payment options can vary a bit by nation, so check this out.

Content Writing

There are several content writing sites out there that people can use to make a bit of money. Some of these were quite good, but have started to lose some of their attractiveness to online writers because of diminishing returns. I’ve got content on one or more of these sites, and I’ve actually gotten payments from them. Here are three sites I’ve used:

13. Seeking Alpha

Seeking Alpha is a site that allows users to write about financial issues. The payments can be quite solid as revenue sharing kicks in, and it can be a good way to make money online without spending a penny (or a dollar).

14. Hubpages

I’ve earned several hundred dollars writing for this site, but much of that came as an apprentice. I earned $6.09 for each article for a whole year. They are not taking new people into this program at this point, so most people would not earn that much. Some people can make hundreds per month, though.

15. Freelance writing

There are a number of reputable freelance writing sites that people have utilized to get paid from online work. I’ve personally earned several thousand in this manner. It’s a great way to make money online.


16. Ibotta

Ibotta is a shopping app that gives you cash back for making purchases that you’d likely be making anyway. If you sign up for Ibotta with my referral link, you can usually get a $10 bonus after making your first purchase within 7 days (excluding “Any Item” purchases).

You can check out my review of Ibotta here.

Disclosure: Some of these links are affiliate links, and I could earn a commission should you decide to sign up for the service. I’ve used all of these methods to make or save money, but YMMV.