7. Shop online. You can spend money online (and earn cash back) at some websites and apps, like Shopkick, where the more you spend, the more reward points (or "kicks") you'll get, which you can redeem for gift cards. Here's how it works: After you connect your debit or credit card with the Shopkick app, you can shop online or in stores with Shopkick's retail partners, which include Target, CVS, Marshalls, Best Buy and Amazon.com. The catch: It will take some time to pocket a significant amount. While you might get 500 points for buying an item or doing a task, like walking into a store (you can earn kicks just for simply walking into some shops), 500 points may translate to a $2 Target gift card. With that said, if you’re looking to gradually grow your savings by shopping at retailers you already visit, it may be worthwhile to download the app.

OneOpinion. This site is a survey aggregator with an effective screening process. Its dashboard is informative and displays helpful sections, such as your activity and a customer support form. The site was above average at picking surveys we qualified for. As for the points awarded per survey, 500 or 1,000 points may look high at first, but when converted to actual rewards, you’d get 50 cents or a dollar. Also, you can’t cash out until you reach 25,000 points, equivalent to $25. Read more in our OneOpinion review.

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