The Best Apps To Have On Your Phone In 2022

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Looking to add some new apps to your phone? There are millions of apps available in the Apple App and Google Play stores. While all of them serve a purpose, only a handful are worth downloading. So how do you figure out which ones are? Well, we did the research for you.

From apps you can casually game with to apps that help with your finances to apps you can use to earn quick cash whenever you need it, here are our top app picks for 2022.

Use This App To Get $750 Deposited Into Your Cash App Account

App Category: Market research
App Cost: Free, though purchases may be required to complete select deals
Best For: Anyone in need of a large amount of cash for a major expense or purchase
In The News: “Going through the whole Flash Rewards process can be tedious which is a turn-off to people that want things now…BUT, if you follow the instructions, keep proof, and have patience, then you will absolutely earn the reward that you’re going for.” – The Smart Wallet


Flash Rewards is a rewards app that gives people cash for doing things like playing games and completing advertised offers, such as trying an app, subscription service, financial service and more. Since its launch in 2016, it has paid out more than $11 million in cash rewards to visitors.

Right now, Flash Rewards has a promo with Cash App to give away $750 and all you have to do is follow these steps:

  1. Go to the Flash Rewards website, fill out some basic info about yourself
  2. Take a brief survey that Flash Rewards will use to personalize the deals and games it recommends to you
  3. If there are any offers that interest you, complete them
  4. To qualify for the $750 Cash App direct deposit, get to level 5 by completing 20 deals, following the instructions for each deal
  5. Once completed, claim your earnings and get your Cash App reward in a week

You have 60 days from when you complete your first deal to complete all 20, though most can easily be done within a few days. Once you’ve completed all 20 deals, claim your reward and you’ll get $750 deposited into your Cash App account in a week.

You can only do this once a year, so make sure to act fast!

Get $750 in your Cash App account

Use This App To Get Paid Up To $5 Per Completed Survey

App Category: Market research
App Cost: Free
Best For: Anyone looking for an easy way to make some extra cash in their spare time
In The News: “Branded Surveys is a legitimate company that will pay you to share your opinions…You won’t get rich by taking surveys. However, you can earn some extra cash each week. If you’re looking for ways to make money from home, Branded Surveys is an option worth considering.” – Well Kept Wallet


With the Branded Surveys app, you take surveys based on your specific interests. After you sign up, just fill out a user profile — the more details you provide about yourself, the more surveys you’ll be eligible for — to get matched with surveys that pay from Fortune 500 companies looking for honest feedback.

Here’s how Branded Surveys works:

  1. Every time you complete a survey, your answers are sent in for review by the client it’s for
  2. After that, your redeemable reward points are posted to your account – up to $5 worth of points per survey
  3. Once you earn 500 points ($5), you can start redeeming them for gift cards from Visa, Amazon, Walmart, Target and other retailers and restaurants

Since 2012, Branded Surveys has paid over $20 million in gift cards and cash to its more than 2 million members. And with more than 40,000 positive reviews on Trustpilot, this is a survey site you can rely on.

Get paid for your opinions with Branded Surveys

Use This App To Join A Bank With A Ton Of Money Saving Perks

App Category: Banking
App Cost: Free
Best For: Those looking for a one-stop-shop for all of their banking needs/Those looking for a bank works to help them save money.
In The News: “The Sable app cuts through the red tape to provide an online banking experience complete that includes both a debit and credit card. Plus, you may not need to provide a Social Security number to apply.” – The College Investor


Finding a bank that is a good fit can be difficult, especially considering that most would prefer to find more ways to profit off of you than to help you. And if you have poor or no credit history, this is especially true.

A new mobile banking app called Sable is trying to change all of this by creating an easier banking experience that is borderless and focuses on equal access. For those with less than perfect credit, Sable offers a secured credit card that you don’t have to jump through hoops to get. And for non-US citizens facing barriers to entering the U.S. banking system, you can open an account with a valid passport or Visa. But that’s just the tip of the iceberg.

Here are all of the perks you can get when you open a Sable account:

  • There are no deposit minimums or account fees
  • Apply for an unsecured credit card 4 months after opening an account without a credit check or credit history — there is a 98% approval rate
  • The Sable credit card comes with unlimited 2% cash back on purchases made at Amazon, Spotify, Hulu, Netflix, Uber, Uber Eats and Whole Foods
  • Its debit card earns 1% unlimited cash back at the same merchants, plus it comes with purchase protection and extended warranties on purchases
  • Get a dollar-for-dollar cash back match bonus for your first year
  • Accounts come with car rental insurance and cellphone protection
  • Transfer money to other accounts in more than 55 countries at low rates
  • Non-U.S. citizens can open an account with a valid passport or Visa (social security number not required)

If you feel underserved by your bank and are looking for a more inclusive and less costly banking experience, Sable is definitely worth considering.

Open an account with Sable today

Use This App To Start Investing In The Stock Market With As Little As $1, Plus Get $10 At Sign Up

App Category: Investing
App Cost: Three subscription plans – Stash Beginner for $1/month, Stash Growth for $3/month and Stash+ for $9/month
Best For: Anyone looking to start investing on a tight budget
In The News: “If you’re looking for investing, banking and budgeting tools in one place, few apps compare to Stash.” – Forbes


Today, getting started in investing is the easiest it’s ever been. There are tons of investing apps out there that provide direct access to the stock market and low-cost entry to get started, and Stash happens to be one of the most popular – and with good reason.

The app has more than 3,000 stocks and hundreds of exchange-traded funds (ETFs) and bonds available for you to build your portfolio with. Even better, you can start investing in fractional shares — pieces of whole shares of a stock, making them way cheaper to buy — with as little as $1.

Other things you’ll get when you sign up for this app:

  • Portfolio recommendations based on your risk tolerance
  • Tools to help you analyze a stock or fund’s historical performance
  • Access to investing news and educational resources
  • A checking account you can opt into that comes with a debit card that earns you stock and ETF rewards towards your portfolio when you shop

As a welcome, when you deposit your first $5 into your Stash account, you’ll get $10 from Stash as well!

Start investing with Stash

Use This App To Start Investing In Private Real Estate With As Little As $10

App Category: Investing
App Cost: Charges an annual advisory fee of 0.15% ($1.50 for every $1,000 invested), a 0.85% annual management fee for the funds that make up a Fundrise portfolio and different account levels have varying minimum investment amounts
Best For: Those on a budget who want to invest in private real estate
In The News: “If you’re looking for a low-cost, automated platform that offers REITs and other inexpensive real estate funds, Fundrise could be right for you.” – Business Insider


Historically, only the wealthy could afford to invest in real estate, but now there are a handful of apps out there that have opened real estate investing to the masses. Fundrise happens to be one of the ones with the lowest entry cost, along with one of the best in general.

A few things to know about Fundrise:

  • With Fundrise, you can start investing in a diversified portfolio of private real estate properties for just $10 with its Starter Portfolio – there are 3 other portfolios to choose from, all with relatively low deposit minimums for what they offer
  • Offers more than a dozen REITs and funds
  • You’ll earn money from returns from dividends paid out quarterly and the appreciation of your share value over time
  • You can set up automatic contributions or make one-time deposits
  • You’ll get regular updates on your investments, including milestones like new construction progress, occupancy reports, market data trends, and project completion alerts
  • Fundrise charges a low annual advisory fee of 0.15% ($1.50 for every $1,000 invested) and a 0.85% annual management fee for the funds that make up a Fundrise portfolio
  • With the starter account, you’ll get 90 days of advisory fees waived for every friend you successfully refer to the app

Fundrise is one of the most trusted real estate investing platforms out there, managing $1 billion in real estate investments on behalf of 150,000 people. Join them and start building wealth with low-cost private real estate investing.

Invest in private real estate with Fundrise

Use This App To Get Up To $8 Million In Life Insurance Coverage Starting At $5/Month

App Category: Life insurance
App Cost: Premiums starting as low as $5/month
Best For: Anyone looking for affordable and flexible life insurance that optimizes their savings over time
In The News: “Ladder Life is a great option for young, healthy individuals who want an affordable term life insurance policy. The company’s digital-forward approach makes it easy to apply for coverage and purchase a policy online.” – Bankrate


If you have anyone who depends on you financially, life insurance is essential. Unfortunately, traditional insurance companies make getting the coverage you need a long and complicated process. But thanks to Ladder, getting coverage is simpler and more affordable than ever.

What you get with Ladder:

  • A short online application that you can complete online in 10 minutes or less, and instant approval decisions
  • Policy terms of 10, 25, 20, 25 and 30 years and coverage amounts ranging between $100,000 to $8 million
  • A calculator you can use to figure out your coverage needs and to get a personalized quote in a few minutes after answering a few simple questions about yourself and your finances
  • Increase or reduce your coverage to match your needs as your life changes

An example of how affordable Ladder coverage is? You could get $1 million of life insurance for just $30 a month. Keep in mind that prices will vary based on individual circumstances, as well as term length and the coverage amount.

Apply for a policy with Ladder
*Based on a 30-year-old female in good health with a 15-year term

Use This App To Start Investing In Commercial Real Estate Starting With $10

App Category: Investing
App Cost: Free
Best For: Those looking to invest in commercial real estate on a budget
In The News: “HappyNest definitely has the potential to offer a lot of value, especially when considering its low initial investment requirement…The app itself provides an easy-to-use, intuitive system for investing in commercial real estate properties.” – The Stock Dork


If you’re interested in exploring other types of real estate property investments, the app HappyNest is a great option for commercial real estate. It offers high-quality properties rented by Fortune 100 companies like CVS and FedEx that you can start investing in with just $10.  

Some things to know about HappyNest:

  • Properties earn a 6% annual return on money invested
  • Cash dividends from rent payments are paid out quarterly
  • Planned rent increases ensure that income from properties you are invested in will grow
  • Set up weekly or monthly recurring contributions and calculate real-time predicted returns according to your goals and contribution amount

The app provides an experienced management team and doesn’t charge any broker, commission or monthly user fees.

You could start investing in these income-producing commercial properties right now. Signing up for HappyNest only takes 2 minutes. 

Invest in commercial real estate with HappyNest

Use This App To Get Up To $20 Million In Life Insurance Coverage Starting At $7/Month

App Category: Life Insurance
App Cost: Free to apply, premiums for purchased policies vary
Best For: Young adults who will need flexibility in their life insurance policies as their lives change
In The News: “Everyday Life stands out in the life insurance industry by prioritizing the needs of customers, which makes it more convenient and cost-effective to obtain personalized advice and customized life insurance coverage.” – Consumer Advocate


Everyday Life is a great life insurance option for those looking for affordable and flexible policies. It offers term life insurance ranging from 10 to 40 years and coverage ranging from $100k to $20 million. Its premiums, which are locked in for the duration of a policy once purchased, start at just $7 a month.

What makes Everyday Life unique:

  • You can apply for a policy in three easy steps and the application includes a three-minute needs assessment to help provide you with a quote customized to your unique circumstances
  • Oftentimes, a medical exam is not required for approval, although when it is, people can do it in the location of their choice, and it usually takes 15 minutes
  • Costs and coverage will automatically decrease over time as your children age and become independent adults, your savings grow and retirement nears, ultimately saving you a lot of money
  • Everyday Life policies are often 50% to 80% cheaper than those offered by traditional insurance companies

Though Everyday Life is relatively new, it partners with a variety of notable insurance companies for the underwriting of policies, including Legal & General, which has been around for 185 years, and Fidelity Life, which has been around for 125 years.

If you’re on the hunt for the right life insurance policy for you, Everyday Life should be one of your first stops.

Protect your family with Everyday Life

Use This App To Earn Up To $270 This Month Playing Mobile Games

App Category: Market research
App Cost: Free
Best For: Anyone looking for an easy way to make some extra cash in their spare time
In The News: “Being a Swagbucks user can’t replace your main gig, but if you’re looking for a low-key side hustle that can make $40 to $60 extra cash a month, give Swagbucks a look.” – Millennial Money


Swagbucks is a rewards app that pays people to do everything from shop to take surveys to play games. Right now, you can earn up to $270 playing a few different games available on the Swagbucks game page.

  • Earn $80 playing Merge Dragons when you complete Foothills 3 within 14 days of install
  • Earn $40 playing Solitaire Cruise when you complete World 15 within 7 days of install
  • Earn $50 playing FarmVille 3 when you achieve level 100 within 14 days of install
  • Earn $100 playing Grand Mafia when you reach Mansion Level 25 within 30 days of install
  • Once you complete each activity, you can collect your earnings as cash via PayPal or as gift cards from more than 200 top retailers.

These are just a few of the pay-to-play opportunities that Swagbucks has to offer, too Sign up for Swagbucks now so you can turn your casual gaming into a regular source of cash.

Earn up to $250 this month

Use This App To Earn $40/Month In Cash And Amazon Gift Cards Taking Surveys

App Category: Market research
App Cost: Free
Best For: Anyone looking for an easy way to make some extra cash in their spare time
In The News: “Survey Junkie has a well-designed platform, straightforward rewards system and better survey vetting than any other site I used. It’s difficult to make a lot of money through any of these sites, but if you want to try it out, Survey Junkie offers a more pleasant experience than most.” – NerdWallet


Survey Junkie is a paid survey app that’s trusted by more than 20 million people as a reliable way to earn extra cash. It has a 4.4-star rating from Trustpilot resulting from more than 30,000 reviews and pays out more than $1million to members monthly.

How to start making money with Survey Junkie:

  1. Download the app and create an account
  2. Fill out a questionnaire to get matched with surveys and participate in focus groups
  3. Surveys take 15 minutes to complete on average
  4. Earn reward points for each survey and focus group activity you complete

As soon as you’ve earned 500 points ($5), you can start redeeming them for cash with a linked PayPal account or for gift cards from Visa, Amazon, Target Walmart and more.

With surveys starting at just three minutes long, you can earn cash taking them during your commute to and from work, while chilling at home on the couch, or even waiting in line at the grocery store. The opportunities to earn are endless, which means your points will build up fast if you’re consistent. Taking just three surveys a day can earn you $40 a month with this app.

Earn $40/month+ with Survey Junkie

Use This App To Boost Your Credit Without A Secured Credit Card (And All The Fees That Come With One)

App Category: Credit building
App Cost: $2/month membership fee,
Best For: Anyone looking for a simple way to improve their credit score
In The News: “Because Kikoff doesn’t require a credit check or charge you anything, there’s little downside to using the account. You don’t have to sacrifice much to use the service other than the time it takes to sign up.” – Finmasters.com


Kikoff is a credit-building app that helps people improve their credit scores quickly without having to jump through the hoops that other lenders make you in order to open a line of credit. With this app, anyone can apply for a Kikoff Credit Account regardless of their credit score. Here’s how it works:

To help you stay on track, the app will send you upcoming payment reminders. You can also use the app to track your credit score to see your progress over time. Qualifying members may also apply for a Kikoff Credit Builder Loan, for which payments are reported to Transunion and Equifax.

It’s important to note that Kikoff is not available in Delaware, Nevada or Indiana.

Apply for a Kikoff Credit Account

Use This App To Switch To A Bank That Doesn’t Eat Into Your Hard-Earned Money Via BS Fees

App Category: Banking
App Cost: Free
Best For: Those who want a bank that doesn’t crush them with fees
In The News: “If you’re just getting started on your financial journey and want a user-friendly set of financial tools, facilitated by a multipurpose app, Chime covers the basics well. Its automated savings tools are particularly attractive for customers who want to boost their emergency fund or save for another goal.” – Forbes


Banks make billions of dollars in fees every year — account maintenance fees, overdraft fees, transaction fees. Basically, whatever service a bank provides, there’s typically a fee associated with it one way or another.
Let’s call it as we see it: This is just dumb.

With the award-winning mobile banking app Chime, you won’t have to worry about hidden fees~ eating up your hard-earned money.

Here’s why we love it:

  • Chime accounts have no minimum balance fees, monthly fees~ or foreign transaction fees
  • The checking account comes with overdraft coverage up to $200 for debit card purchases and cash withdrawals with no fees (eligibility requirements apply)
  • You’ll have access to more than 38,000 fee-free ATMs via Visa Plus Alliance and MoneyPass
  • Get your paycheck up to 2 days early^ with direct deposit
  • Allows you to save money towards your goals with automatic round ups on purchases made with the Chime debit card
  • With the Chime Credit Builder Visa Credit Card, you can build credit safely with everyday purchases — it has no annual fee, interest rate, minimum security deposit and there’s no credit check needed to apply
Open a Chime account now
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
^ Early Payday/Get Paid Up to Two Days Early Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
˜ No Hidden Fees Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Spending Account to your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Spending Account into your savings account.

Use This App To Earn Amazon Gift Codes And Product Freebies For Testing Products

App Category: Market research
App Cost: Free
Best For: Anyone looking for an easy way to make a little bit of extra money in their spare time
In The News: “With a number of renowned and popular companies partnered with Product Report Card, consumers are assured that the online platform is a trustworthy and legitimate paid survey site worth joining.” – Consumer Advocate


Product Report Card is another popular market research app you can earn with. Aside from surveys, another opportunity that’s become increasingly popular among Product Report Card members is its in-home product tests.

To receive invitations for product tests relevant to you, you have to register the products that you use. There are a handful of product categories — from kitchen and home appliances to electronics to baby and kids gear and more. Just go through each category and select the product you own from the available list. You’ll also receive rewards every time you complete registration for a product.

Here’s how to get started with Product Report Card:

  1. Go to the Product Report Card website and complete the sign up registration
  2. You’ll begin receiving paid survey invitations in your email inbox within 24 hours
  3. Earn Amazon gift codes or free products for every survey, product registration and product test you complete

It only takes 5 minutes to sign up for Product Report Card.

Earn rewards for to testing products