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7 Best Passive Income Apps for College Students for 2022

7 Best Passive Income Apps for College Students 2022

So what are the best passive income apps for college students looking for ways to make extra money. We all have our reasons for wanting to earn money.

In the United States, student debt is one of the biggest problems facing college students. The average student loan debt for a graduate is over $37,000. 

This can make it very difficult to get ahead in life, especially if you are also trying to pay back rent and other bills.

7 Best Passive Income Apps for College Students in 2022

If you want to reduce your student debt as quickly as possible, it is important to make some extra money on the side. 

You can do this by taking on a part-time job or by making some passive income. Passive income is money that you earn without having to trade your time for it.

Whatever route you choose, it is important to start making passive income as soon as possible. The sooner you start, the faster you will pay down your student debt.

Reducing your student debt will free up more money for other expenses, such as rent, food, and transportation. 

It will also allow you to start investing in a diversified portfolio of exchange traded funds that will support your long-term goals like having a very secure and comfortable retirement.

While there’s no such thing as a guaranteed money-maker, these seven best passive income apps for college students are all reputable and well-reviewed by users.

So, if you’re looking to earn passive income, be sure to check out these seven cash-back passive income apps. This is about the closest way to making free money that can also be fun at the same time. 

After all, your time as a college student should also include leisure time and caring for your mental and physical health.

Note that for some apps, you will need to have the browser extension added. This is usually available through Google Play Store.

What is passive income?

Simply put, it’s income that requires little to no effort on your part to generate. That doesn’t mean it’s always easy money, but it does mean that you can earn money with minimal effort.

There are several ways to generate passive income, but one of the easiest is through apps. These days, there are app-based platforms that will pay you in cash back programs or with free gift cards for everything from taking surveys to watching videos.

Paid surveys and being paid to watch videos that you can do it all from the comfort of your own home must be some of the easiest ways to make money.

Some apps have a referral program that rewards you for referring friends which is a win, win for everyone.

So, if you’re looking for ways to make some extra cash, read on for our list of the seven best passive income apps of 2022.

1. Capital One Shopping

Capital One Shopping can be an effective passive income platform. It is a free online service to help you save on the prices of a wide range of goods.

It has several great features such as finding coupon codes for the product you are purchasing and then adding the coupon code in the shopping cart function at check out.

7 Best Passive Income Apps for College Students in 2022

Another handy feature is the price comparison function that will surf websites offering the product you want for you to compare in one spot.

Accumulate points as you shop; you can redeem these points for online gift cards from Barnes & Noble, Walmart and Macy’s.

Capital One’s shopping is primarily about pricing security. When a particular sale item drops the cost, some merchants will refund your purchase.

Capital One Shopping provides a range of amazing offers at jaw-dropping prices.


Capital One Shopping is one of the most popular financial services on Google Chrome Store. It has over 9,000 reviews and an excellent rating from customers who save money with this service every year

Capital One says they’ve saved people more than $160 million since its inception last decade – which makes it worth checking out for yourself today if you need some help managing your bills or budgeting efficiently (or both!).

2. InboxDollars

InboxDollars allows users to earn cash in their Cash Back programs by completing a variety of tasks including taking online surveys, watching television, reading emails, and playing games. The company offers one of the most popular mobile apps to help you earn cash.

7 Best Passive Income Apps for College Students in 2022

You can also earn cashback when shopping through the InboxDollars platform. Once you’ve earned $30, you can request a payout via PayPal or check.

InboxDollars is another “reward” program that rewards people who spend their daily lives with cash.

InboxDollars is free to join and use and there’s no fixed fee of $3 anymore! All your earnings go straight into your PayPal account or can be redeemed as an electronic gift card.


InboxDollars is a great way to make some extra cash without having a history with the company. They pay you in real money, and it’s easy as can be done through their website!

You’ll get paid based on how much time spent watching videos or playing games. You can use your earnings for anything you want, whether that’s shopping with your favorite brands or watching videos about fun things like makeup tutorials!

3. Swagbucks

Swagbucks is similar to InboxDollars in that it allows users to earn cash by taking surveys and completing other tasks like watching videos and using the Swagbucks search engine instead of Google or Bing.

7 Best Passive Income Apps for College Students in 2022

You can also earn SBs (Swagbucks’ currency) by shopping through the Swagbucks platform. 

Once you’ve earned enough SBs (usually around 1,500), you can redeem them for gift cards or PayPal cash.

Swagbucks is the best cash-making software. You can earn extra income with Swagbucks through video games, surveys, etc. This application is typically on a semi-active income scale because it requires no work to earn a minimum.

This is an amazing way to gain some additional income and make more money.

Swagbucks gives you a $5 bonus based on your sign-up. In addition, it offers a way to earn a lot of cash simply through referrals.


If you’re looking for a fun way to earn points that will take up your time, then Swagbucks is worth checking out. You can get rewards from doing things like watching videos on YouTube or even searching Google!

4. Ibotta

Ibotta is a bit different from the other passive income apps on this list in that it doesn’t pay you directly; instead, it gives you cash back on groceries and online purchases. 

It is an online cash-back program that allows you to earn cash back through swiping your receipts or integrating loyalty cards.

7 Best Passive Income Apps for College Students in 2022

Your earnings depend largely upon your spending. Ibotta has 4% of your total monthly spending which puts $40 in your pockets without you even having to do anything to it.

Ibotta also provides money back for online purchases, making it an excellent alternative for those people who shop online regularly.

A bonus is offered if someone refers friends to them. Once $20 reaches your bank account you may transfer that cash to your bank account or pay via PayPal.

All you need to do is link the app to your loyalty cards or online shopping accounts and start earning cash back on your everyday purchases.

Ibotta is free to sign up and use.


Ibotta is the perfect app for getting cash back on your everyday purchases and the good news is that you have access to over 300 retailers. 

Whether you’re shopping in person or online, this free program will give rewards that are just waiting to be claimed.

Just be aware that you need to upload your receipts to claim your points (which some people might find inconvenient to do).

5. Rakuten

Rakuten calls itself “the largest cashback website” and with good reason—it offers users cash back on both online and in-store purchases. The Rakuten app provides cashback to customers in the Android or iPhone app store.

7 Best Passive Income Apps for College Students in 2022

Rakuten was previously known as Ebates and offers cashback on every online shopping transaction in more than 3500 stores so there are plenty of opportunities to earn cash back. 

Online shopping is available at stores such as Amazon, Macys, Target etc.

Refer someone through this site and get $20 Referring Bonuses for the first friend! You get $10 in free registrations, so why not visit the site?

Rakuten is free to use.


The process of using Rakuten is as easy and intuitive. Just connect to the site via the Rakuten website, find the product that interests you (there are tons), and enter your shipping information.

Once everything looks good go ahead and order away-I mean who doesn’t love instant gratification?!

Earn cash back, rewards points and even gift cards for referring your friends to Rakuten.

If someone you refer purchases $25 or more then you make a tidy $5. Not bad for just a referral.

6. Dosh

Dosh is an app that gives users cash back on everyday purchases. Link the app with your credit or debit card and start earning cash back on things like gas, groceries, and even online shopping.

7 Best Passive Income Apps for College Students in 2022

One great thing about Dosh is that there’s no minimum payout —once your balance reaches $25, you can transfer the money into your bank account.


Dosh is a free cash back app on purchases from more than 100k+ merchants nationwide. Unlike other apps, you do not have to scan your receipts to make your claims.

It is a company that truly understands what it means to be customer-centric. Not only do they offer some of the best rates out there, but also have an excellent referral program where you can earn $5 for each friend who signs up via your link and connects with one less spammy credit card!

7. Drop

Drop is another rewards app that gives users points for making everyday purchases. Link your credit or debit card to the Drop app and start earning points on things like groceries, takeout meals, and online shopping.

7 Best Passive Income Apps for College Students in 2022

Once you’ve earned enough points (which is equivalent to $5), you can withdraw them directly into your bank account Paypal account.


Drop is a new rewards app that allows you to earn up $20 in monthly cash back just for purchases you already planned on making.

You can also maximize your earnings by leveraging credit cards and uploading receipts, which are all part of the experience with this fun little program!


If you’re a savvy shopper, then you know that there are a lot of ways to save money when you’re shopping online. One great way to do this is by using passive income apps.

These passive income apps are a great way to save money because they allow you to earn money while you’re doing something that you’re already doing – shopping online.

All you have to do is link your credit or debit card to the app through the cash back shopping portal and start earning rewards. The more you shop, the more rewards you’ll earn, and the more money you’ll save.

Passive income apps are an easy and convenient way to save money, and they’re a great choice for anyone who wants to be savvier about their shopping habits.

We have shared the 7 top passive income apps that can be used by everyone especially college students. 

As you can see, there are several ways to create passive income and earn extra cash today and one of the easiest is through different apps that are available right at your fingertips.

Online retailers understand that shoppers’ spending habits have evolved and savvy companies are making the most of the opportunities to “partner” with their shoppers.

They engage with their tribe by offering really attractive incentives such as redeeming loyalty points earned from shopping online with gift cards. Think of it as extra spending money you got without really trying to earn it!

So what is your favorite passive income app or cashback app that we’ve not listed here? Remember that the more passive income sources you have, the more extra money you have in your pocket.

As for all personal finance questions, please seek professional financial advice as the first step to getting out of student debt.