Earning passive income has become one of the most exciting trends in the USA for 2025. From cashback apps to investing platforms, simple side-apps now allow Americans to earn money daily—often without active work. Whether you're a student, a beginner, or a full-time employee, these apps can help you build steady income with minimal effort.
In this guide, we will explore the best passive income apps in the USA, how they work, how much they pay, and how you can realistically earn $5 to $50 every day.
Let’s dive in.
1. Acorns – Automatic Investing for Beginners
Acorns is one of the most popular passive income apps for Americans who want to start investing without effort. The app automatically invests your spare change by rounding up your purchases.
Why It's Passive
You don’t need to pick stocks. Acorns invests in ETFs automatically.
Earning Potential
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$1–$5 daily for beginners
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$50–$200 monthly with consistent deposits
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Long-term growth through compound interest
Why It’s Worth It
Acorns is perfect for people who want passive wealth building without trading knowledge.
2. Honeygain – Earn Money With Your Internet
Honeygain pays you for sharing unused internet bandwidth. It runs in the background, making it a true passive income source.
Earning Potential
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$5–$20 daily (depending on location + devices)
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Monthly earnings: $20–$200
Why Americans Love It
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Zero work
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Works on mobile and PC
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Payout through PayPal and BTC
Honeygain is great for users who want effortless background earnings.
3. Ibotta – Cashback Passive Income App
Ibotta is a cashback reward app that pays users for grocery shopping, scanning receipts, and linking loyalty cards.
How It Becomes Passive
Once you link store accounts, cashback is automatically added.
Earning Potential
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$0.50–$5 per purchase
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$20–$100 weekly for regular shoppers
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Bonuses for referrals
Why It's Great
You get real cash for shopping you already do.
4. Rakuten – Highest Paying Cashback App in USA (2025)
Rakuten gives users cashback on 3,500+ stores including Walmart, Target, Sephora, and Best Buy.
Earning Potential
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1% to 20% cashback
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Up to $50+ per day during sales
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$30 referral bonus
Why It’s Passive
Just install the browser extension and it automatically adds cashback to your purchases.
5. Coinbase Earn – Passive Crypto Rewards
Coinbase Earn pays you for learning about crypto and holding certain coins. You also earn passive rewards through staking.
Earning Potential
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$1–$5 daily from staking
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$3–$20 from “Learn & Earn” lessons
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Long-term profit from crypto growth
Why It’s Good
Even beginners can earn without trading experience.
6. Fetch Rewards – Scan Receipts for Free Gift Cards
Fetch Rewards is one of the easiest reward apps in the USA. You only need to scan receipts.
Earning Potential
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$0.50–$3 per receipt
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$5–$20 per day (depends on activity)
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Amazon & Target gift cards
Why It’s Passive
You get points for every single purchase—no limitations.
7. Fundrise – Real Estate Passive Income
Fundrise lets users invest in real estate with as little as $10. You earn passive returns through rental income and property appreciation.
Earning Potential
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5%–9% annual return
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Weekly and monthly growth
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Long-term high potential
Why It’s Popular
You get real estate profits without owning a home.
8. Mistplay – Passive Income for Gamers
Mistplay rewards users for playing mobile games. It’s mostly passive because you earn points even while playing casually.
Earning Potential
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$5–$15 daily
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Gift cards: Amazon, Google Play, Visa
Good For
Gamers who want side income while having fun.
9. Swagbucks – Multi-Earning USA App
Swagbucks pays for watching videos, doing surveys, shopping, and more. Its referral program can become a passive income stream.
Earning Potential
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$5–$20 daily
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$150–$500 monthly with referrals
Why It’s Passive
The app runs videos automatically—no active work required.
10. Capital One Shopping – Automatic Discount Finder
This browser extension finds coupons and cashback deals while shopping online.
Earning Potential
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$5–$50 daily during holiday seasons
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$20–$100 weekly average
Why It’s Passive
Everything runs automatically—no need to click anything.
How Much Can You REALLY Earn Daily? ($5–$50 Breakdown)
$5 per day
Easy and beginner-friendly:
✔ Receipt apps
✔ Cashback apps
✔ Browser extensions
✔ Micro passive apps
$10–$20 per day
Moderate level:
✔ Swagbucks
✔ Mistplay
✔ Honeygain
✔ Acorns with steady deposits
$30–$50 per day
Requires consistency:
✔ Fundrise investments
✔ Heavy cashback shopping
✔ Strong referral programs
Which Passive Income App Is Best For You?
For students:
✔ Mistplay
✔ Swagbucks
✔ Fetch Rewards
For beginners:
✔ Ibotta
✔ Rakuten
✔ Honeygain
For long-term wealth:
✔ Fundrise
✔ Acorns
✔ Coinbase Earn
For shoppers:
✔ Rakuten
✔ Capital One Shopping
✔ Ibotta
Top Benefits of Passive Income Apps
1. No Skills Required
Even complete beginners can earn.
2. Low or Zero Investment
Many apps are 100% free to join.
3. Runs in Background
Some apps work without effort (Honeygain, Rakuten).
4. Real Cash or Gift Cards
Payouts through PayPal, Bitcoin, or direct gift cards.
Tips to Earn More ($50+ Daily)
✔ Use 3 to 5 passive apps together
✔ Take advantage of referral bonuses
✔ Scan every receipt
✔ Use cashback extensions while shopping
✔ Combine passive apps with micro tasks
Final Thoughts
Passive income apps have made earning money in the USA easier than ever. Whether you want an extra $5 a day or want to build long-term income, these apps can help you earn steadily with almost no effort.
From cashback to investing apps, the opportunities in 2025 are bigger than ever. The key is to stay consistent and combine multiple apps to maximize your daily earnings.
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