Top 6 passive (low-effort) apps that actually pay My Experience
Real passive apps are rare so figured I'd put together what's genuinely low-effort and not just marketed that way. Sorted by how passive each one really is.
Settlemate: Works in the background to flag class action settlement claims I qualify for based on the accounts and purchases I've linked, and tracks each claim through to payout.
Honeygain: Shares your unused internet bandwidth for cents per gigabyte, fully background once installed, $1 to $5 a month earnings which is small but it's passive in the literal sense.
Rakuten: Cashback on online shopping. Activate the extension once and it runs in the background. You only earn when you shop through it but the spending is happening anyway.
Earnin: Gets you early access to wages you've already earned before payday. Not really earning money, more about accessing it earlier without overdraft fees or payday loan interest.
Ibotta: Receipt scanning for grocery cashback. Less passive than the others because you have to scan after shopping, but the scanning is 10 seconds and once a week if you do groceries once a week.
Mistplay: Rewards for playing mobile games. Calling this passive is a stretch because you play the games, but if you'd be playing on your phone anyway, you might as well capture the earnings.