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 Overview:

Freedom Debt Relief, founded in 2002, is one of the most established companies in the debt relief industry. With over 20 years of experience and having served more than 850,000 clients, the company has resolved over $15 billion in debt to date. Their program is designed to help individuals struggling with unsecured debt—such as credit cards, medical bills, and personal loans—by negotiating directly with creditors to reduce the total amount owed. As a member of the American Fair Credit Council (AFCC), Freedom Debt Relief follows strict industry standards and ethical practices.

Eligibility Criteria:

To qualify for the program, applicants typically need a minimum of $7,500 in unsecured debt. The program is best suited for those experiencing financial hardship and seeking an alternative to bankruptcy or debt consolidation loans.

Program Process:

Upon enrollment, clients make monthly deposits into a dedicated account. Once sufficient funds accumulate, Freedom Debt Relief negotiates with creditors to settle debts. The program duration varies but generally spans 24 to 48 months, depending on individual circumstances.

Fees:

Freedom Debt Relief charges fees ranging from 15% to 25% of the enrolled debt amount. Importantly, no fees are collected until a settlement is reached, approved by the client, and at least one payment is made toward the settled debt.

Impact on Credit:

Participation in a debt settlement program can negatively affect credit scores, especially since clients may stop making direct payments to creditors. However, successful completion of the program can lead to debt resolution and the opportunity to rebuild credit over time.

Customer Support:

Freedom Debt Relief provides clients with access to certified debt consultants and a user-friendly online dashboard to track progress. Their customer service team is available to address concerns and guide clients through each step of the process.

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.