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Users should make sure they are comfortable with the arrangement by being informed about how each app makes money and by understanding the terms and conditions of using the app. 1. Taking surveys, watching videos, playing games, and making purchases online are just a few of the ways users of the well-known money-making app Swagbucks can earn money. Users can accrue Swagbucks, which they can exchange for PayPal cash or gift cards. 2. Ibotta: By scanning receipts from regular purchases, users of the cash back app Ibotta can earn money.