Don’t Leave Your Couch: 45 Legit Ways to Make Money Online
We’re deep into the age of the internet. At this point, you can do basically anything through a screen — including increasing your income.
Yep. You can earn, sell, invest, work full time, work part time and even watch videos for some extra cash… all from behind your computer screen.
How to Make Money Online: 45 Legitimate Ways
Whether you want to find a non-committal side hustle or dive into a full-time career, here are some of our favorite ways to earn extra money online this year.
1. Watch Videos Online
If we told you that you could get paid to watch videos on your computer, you’d probably laugh.
It’s too good to be true, right?
But we’re serious. A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.
All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.
No, InboxDollars won’t replace your full-time job, but it’s possible to earn up to $225 a month.
Unlike other sites, InboxDollars pays you in cash — no points or gift cards. It’s already paid its users more than $56 million.
It takes about one minute to sign up, and you’ll immediately get a $5 bonus to get you started.
2. Play Free Scratch-off Tickets
The odds don’t usually make playing the lottery worth your limited funds. But what if you could get the tickets for free?
Instead of a convenience-store stop, try scratching for free using an app called Lucktastic. Each day, it releases a new assortment of digital scratch-off tickets. Lucktastic says instant wins range from $1 to $10,000, in cash or gift cards to popular retailers.
The app is supported by advertising, which allows it to keep the payouts high and the games free. For more info, check out Lucktastic here.
3. Invest in Real Estate Around the Country — Online
Want to try real-estate investing without playing landlord? We found a company that helps you do just that — with a minimum investment of just $500.
Through the Fundrise Starter Portfolio, your money will be split into two portfolios that support private real estate around the United States.
This isn’t an obscure investment, though. You can see exactly which properties are included in your portfolios — like a set of townhomes in Snoqualmie, Washington, or an apartment building in Charlotte, North Carolina.
You can earn money through quarterly dividend payments and potential appreciation in the value of your shares, just like a stock. Cash flow typically comes from interest payments and property income (e.g. rent).
(But remember: Investments come with risk. While Fundrise has paid distributions every quarter since 2014, dividend and principal payments are never guaranteed.)
You’ll pay a 0.85% annual asset management fee and a 0.15% annual investment advisory fee.
4. Get Paid to Deliver Groceries This Weekend
The grocery store is a surprisingly zen place. Somewhere between the soothing elevator music, the free samples and the wafting aroma of rotisserie chicken, you settle into a peaceful groove.
None of the stress of work or home — it’s just you and the aisles.
Some people, for some reason, don’t feel the same. They’d rather avoid it altogether. And with an app called Postmates, you could get paid to pick up a few extra groceries for them.
Even better than getting paid to grocery shop? If you need the money, like, now, you can cash out instantly after each delivery.
Holly Gaston, of San Francisco, California, has tried plenty of side gigs. With Postmates, she makes an average of $15 an hour. Plus, she says it’s been much more enjoyable than any of her previous side gigs.
Signing up shouldn’t take you more than about three minutes. The hardest part will be choosing which selfie you want to use as a profile pic..
5. Become a Virtual Bookkeeper — and Earn up to $60/Hour
Can you open an excel spreadsheet? Does earning $60 an hour sound appealing? How about the freedom to work remotely while helping others succeed?
Those are the perks of working as a bookkeeper, says Ben Robinson, a certified public accountant and business owner who teaches others to become virtual bookkeepers.
You don’t have to be an accountant or even really good at math to be successful in this business. In fact, all you need are decent computer skills and a passion for helping business owners tackle real-world problems.
The ability to stay moderately organized is helpful too.
Median pay is around $19 per hour, according to the Bureau of Labor Statistics — and you have no commute. It’s a great opportunity for parents who want a part time job, recent college grads and anyone who wants to bring in real money working from home.
Robinson shares what it takes to be a virtual bookkeeper, plus tips for making this career work for you in his free class at Bookkeeper Business Launch.
6. Share What’s in Your Fridge
Remember the Nielsen company? The one that’s always tracked TV ratings? Well, now it wants to know what’s in your fridge.
Once you sign up to be on the Nielsen Consumer Panel, you can either use your smartphone, or the company will send you a free barcode scanner. Every time you go shopping, you simply scan the UPC codes on the back of each product and send your data to Nielsen.
Nielsen will reward you with gift points, which you can redeem for free electronics, jewelry, household items or even toys for the kids.
The longer you stay on the panel, the more opportunity you have to earn points toward prizes. You’ll also receive entries for the panel’s many sweepstakes. Prizes include vacations and brand new vehicles.
7. Get a $5 Amazon Gift Card For Playing Words With Friends
Get paid to play games on your phone? Yeah, right. We’ve all heard that before.
Here’s what that usually means: Logging dozens of hours on games you’ve never heard of, just for a few cents.
But a free Android app called Mistplay actually pays you for playing popular games like Words With Friends 2, Yahtzee, Clash Royale, Star Wars and more.
As you play, Mistplay rewards you in points, which you can exchange for gift cards for brands like Visa, Amazon and more.
You’ll even get bonus points when you sign up and enter the code penny50.
The more you play, the more you’ll earn. Plus, Mistplay offers some bigger in-game rewards — up to $20.
It takes just a few minutes to sign up and start getting paid to play games.
8. Invest Your Digital Spare Change With the Tap of Your Thumb
For beginners, investing can feel quite intimidating. It’s difficult to know where to start, what to Google or to whom you should talk.
You can begin your endeavors simply — with $5 and the the Acorns app.
You can stack up change over time with its “round-up” feature. That means if you spend $10.23 at the grocery store, 77 cents gets dropped into your Acorns account.
Then, the app does the whole investing thing for you.
The idea is you won’t miss the digital pocket change, and the automatic savings stack up faster than you’d think. For example, we reviewed how Penny Hoarder Dana Sitar was able to save at a rate of $420 a year!
At that rate, you could set aside $1,000 in about two and a half years — without trying.
The app is $1 a month for balances under $1 million, and you’ll get a $5 bonus when you sign up.
9. Let Guests Crash in Your Spare Room (or on the Couch)
Have a spare room? Might as well try to earn some money by listing it on Airbnb.
If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.
A few simple steps can make the difference between a great experience and a less-than-satisfactory one.
Here are some tips:
- Make your space available during high-demand times in your area. Think: concerts, conventions and sporting events.
- Be a good host, and stock your place with the toiletries you’d expect at a hotel — toilet paper, soap and towels.
- Be personable. A lot of travelers turn to Airbnb for the personal touch they won’t find at commercial properties.
(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)
10. Get $150 for Opening a New Credit Card
If you’re not using a rewards credit card for everyday purchases, you’re missing out on free money.
You just have to be sure you don’t get too carried away with those purchases — and that the card is paid off at the end of each billing period.
Here’s an option we like: It’s the Chase Freedom card. Its claim to fame? You’ll earn an unlimited 1% cash back on all your purchases. Plus, if you spend $500 in your first three months of opening the card (hi, groceries), you’ll pocket a $150 bonus.
The card also offers 5% cash-back on select rotating categories. For example, in one quarter, you can earn 5% cash back on gas. The next quarter? Groceries. The categories continue to rotate throughout the year.
There’s no annual fee, and the cash-back rewards don’t expire.
*The information for the Chase Freedom card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.
11. Earn Rewards for Going Shopping
The best kind of savings are the kind where you don’t have to do a thing. That’s what makes the Drop app so appealing.
What’s special about Drop is all you have to do is link your credit and debit cards (no coupon clipping or hoarding receipts!). When you make a Drop-qualified purchase, you’ll automatically earn points, whether you’re grocery shopping at Walmart, hailing an Uber or ordering a pizza.
The points will add up, and you can exchange them for gift cards in the app to popular retailers like Amazon and Starbucks.
Bonus: Through Dec. 31, enter the code TPH for 5,000 free Drop points!
12. Earn Money Back on Almost Anything (and Get a $10 Walmart Gift Card)
Here’s one way to earn cash back on almost everything: Shop through the cash-back site Rakuten. For example, Ebates grants you up to 10% cash back on online Walmart purchases.
That means you could stock up on paper products and earn cash back — without leaving the couch.
Plus, when you sign up for Ebates and complete your first purchase of $25 or more within 90 days, you’ll pocket a $10 Walmart gift card.
13. Turn Those Crumpled Receipts Into Free Gift Cards
What do you usually do with your receipts? You check out, they hand you a mile-long piece of paper, and you frantically stuff it to the bottom of a grocery bag. Pretty worthless.
But a free app called Fetch Rewards will turn them into gift cards. It partners with tons of brands to give you points for every grocery receipt you share. Then you can exchange them for gift cards to places like Amazon, Walmart, Chipotle and dozens of other retailers.
And it’s perfect for those of us who don’t want to put a ton of work into this. All you have to do is send Fetch a photo of your receipt, and it does everything for you. No scanning barcodes or searching for offers — and you can use it with any grocery receipt.
When you download the app, use the code PENNY to automatically earn 2,000 points when you scan your first receipt — you’ll be well on your way to your first gift card.
Not so bad for a useless receipt, right?
14 Get Paid For Your Screen Time
We’ve all been there. Netflix drones in the background as you scroll Instagram. What are you even doing?
But there’s a company that will pay you for all that screen time.
Yep. Mypoints is a reader favorite, because it pays you in free gift cards for taking surveys and other activities right on your phone.
You’ll even earn a $5 bonus when you sign up and take you first five surveys.
15. Turn Your iPhone Photos into Passive Income
Are you that person who’s constantly snapping photos on your phone? Well, it’ll finally pay off (in more than Instagram likes).
An app called Foap lets you easily sell photos online.
Here’s how it works:
- Download the free app and create an account.
- Take a quality photo and upload it to Foap’s marketplace.
- Someone buys the license to your photo for $10. You make $5.
If your photo sells 20 times, you make $5 each time and end up with $100 in your pocket — all for about five minutes of work. Not bad, right?
16. Start a Used Books Business
There are a number of ways to sell used books online and yes, you can do this at home. Start by selling the books you aren’t going to read from around the house. To make more money, learn how to do used textbook arbitrage (locate sellers with low prices and top-dollar buyers).
17. Get Paid When Your Neighbor’s Dog Spends the Night
We all want an extra paycheck, but none of us want to get a second job — we’re already exhausted from the first one. Or maybe you’re disabled, retired or a stay-at-home parent who needs a little extra money in the bank.
What if there were a way to do that and get your puppy fix at the same time?
Rover is a website that connects neighbors who need a dog sitter with people who love having an extra dog (or two) spend the night.
The average Rover sitter earns $450 a month, but we spoke with stay-at-home mom Bryn Wied, who quickly started earning upwards of $500.
“Within two months, I was turning away business,” says Wied, who dog sits in California. “Within three months, I raised my prices to what everyone else was charging.”
It’ll take a little effort upfront, though (to filter out all the Cruella de Vils). You’ll create a Rover profile where you’ll answer questions about your experience with puppers and set your availability and prices.
Dog owners will reach out to you, and before you know it, you’ll be snuggled up with all the neighborhood dogs — and making extra money.
18. Make up to $100 for Having Psoriasis
Living with psoriasis … psucks.
If you suffer from the uncomfortable autoimmune disease that shows itself in rash-like patches of skin, you no doubt split your time trying to get rid of it and trying to hide it.
We found a way you can get a little payback for your suffering — and help others with the disease — without even leaving your couch.
M3 Global Research is recruiting psoriasis patients to participate in paid online surveys. Surveys take about 20 to 30 minutes to complete, and pay $10 to $100. The company is also recruiting for surveys on several conditions, including diabetes, cancer and cardiovascular diseases.
Sign up with an active email address, and after you register and complete your profile, you’ll receive survey invitations tailored to your information. (Don’t worry; you won’t be spammed with irrelevant surveys.)
Just select that you have psoriasis, and you’ll receive market research surveys relevant to living with and treating the condition.
It’s one small reason to be grateful you’re in the elite 2.5% of people afflicted with psoriasis… right?
19. Join a Mock Jury
Jury duty isn’t always fun, but what if you could do it from the comfort of home? Becoming an online mock juror can be an interesting way to make some extra money.
Here’s how it works: Attorneys present cases to online juries as a way to test it before trial — to find that’s working and what isn’t and craft the best arguments.
You can sign up as an online juror through a site like eJury. When a new case is submitted, you’ll be notified. Jump in to review the case and answer questions. You can earn $5 to $10 per case, depending on its length.
20. Clean out Your Closet (Finally) and Earn Cash
Got a stack of books, a pile of clothing or a closet full of decor you haven’t touched in years?
You can sell virtually anything on Letgo. This easy-to-use app lets you snap a photo and upload your item to its online marketplace in less than 30 seconds. It removes a lot of the hassle of selling things online, and it’s 100% free to use.
21. Sell Your Dusty Ol’ Technology
Take a look around. Do you have stacks of CDs, DVDs or video games collecting dust? Yeah, when will you use those again?
Download the Decluttr app, and start scanning the items’ barcodes. You’ll get an immediate quote, then, at checkout, enter code FREE5 for an extra $5.
Ship your items off to the Decluttr warehouse for free, and you’ll get paid the next day.
22. Trade in That Old Phone for Cash
You know that phone you have? The one sitting in your junk drawer or perhaps your bedside table? It’s time to give it up and pocket some cash.
Gazelle is an online trade-in site that makes the process super easy.
Enter your device’s information, and Gazelle will give you a trade-in estimate. For qualifying devices, it’ll even send you a free box for shipping.
If you need money more quickly, see if an affiliated kiosk is located in your area. You’ll be able to get an estimate on your device, and if you agree to sell, you’ll immediately get cash.
23. Turn Flea Market Finds Into Profit
Do you frequent flea markets? Why not turn some of your finds into profit?
Follow Rob Stephenson’s lead. He calls himself the Flea Market Flipper and has made up to $30,000 a year finding and selling flea market gems.
He doesn’t even have to put a ton of elbow grease into flipping items. Once, the Orlando, Florida, man found a $30 prosthetic leg and turned around and sold it for $1,000 on eBay, his go-to selling site.
He shared his tips on how to successfully sell on eBay.
24. Collect Craigslist Freebies and Turn ’Em Around
Have you ever perused Craigslist’s freebie section? Look for items that are close to you and easy to sell immediately. They could be scraps from a job site or metal items you can sell, for example.
For a quick turnaround, avoid investing in items like furniture or electronics. These can be good to sell, but they'll take longer to fix up.
25. Get Crafty (But Not Too Crafty, If You Don’t Want)
If you’re a creative, consider selling your art on Etsy. Although there are some fees, including the 5% transaction charge, the marketplace connects with more than 33 million buyers globally.
Those are a lot of potential customers.
If you aren’t necessarily the artsy type, you could still make money on Etsy by selling craft supplies. For example, Penny Hoarder contributor Janet Berry-Johnson made about $200 a month selling needlecraft kits and patterns.
26. List Your Freelancing Services Starting at $5 a Pop
Have you got skills? Can you shoot photos, edit videos or design websites? Can you write blog posts or code? Can you draw?
If you’ve got game, list your services on Fiverr, an online marketplace for creative freelance services.
Gigs on Fiverr range from standard data entry and research tasks to the truly out-there. On any given day, sellers in the “Fun & Lifestyle” section are offering thousands of unique services — from polishing a Tinder profile to creating a family tree.
27. Find Freelance Work Through Thousands of Gig Listings
Upwork is a great freelancing platform if you’re just wading into the freelance world.
Once you create a profile, search through thousands of gigs based on your skills and interests. If you find one you’re interested in, apply.
One of the perks of Upwork is that it handles all money transactions, eliminating any unease or questions of, “Will they really pay me?!” Upwork takes a 20% fee for the first $500 billed through the platform.
A note for first-timers: Carefully consider the pay rates that are listed. Penny Hoarder Carson Kohler has used the platform to find freelance writing gigs, and she reports low rates — like $3 for 500 written words. It’s probably not worth it. (And, yes, you’ll have to scroll through a whole lot of these low-paying listings to find the good ones.)
28. Work for Amazon… Kind of… Only When You Want
Mechanical Turk, from Amazon, pays people to do tasks computers can’t do, like choosing the best photo from a set or taking online surveys.
The downside: Some tasks pay very little for your time.
Here’s a smart workaround: Use Reddit threads to find the tasks that pay the most and/or require the least work so you can make the most money online in the least time.
With some careful searching and task-choosing, you could earn an extra $100 a week — or more.
29. Make Someone’s Day Better (and More Organized) as a Virtual Assistant
If you have a knack for organization and communication, there are people who will pay you to keep them on track.
You don’t have to be the busy corporate assistant you see in old movies or TV. You can be a virtual assistant right from your couch.
We recommend starting your search with ZipRecruiter.
When you click here to search, ZipRecruiter sends you to a list of geo-tailored work-from-home job openings.
Type in “virtual assistant,” and peruse the listings to find information about the company, pay and type of employment. ZipRecruiter will even let you know if you qualify for a position based on your credentials. (But we always recommend applying anyway!)
30. Polish People’s Words as a Proofreader
Do you have an eye for typos and a serious dedication to the laws of grammar?
You could be a perfect candidate to make money online as a proofreader.
The average per-page rate for freelance proofreaders is 35 cents, according Caitlin Pyle, the founder of Proofread Anywhere, an online course that teaches you how to become a proofreader.
You can test your grammar wiles with a tricky quiz and learn how to find freelance clients in Pyle’s free seven-day introductory course for proofreaders.
31. Tutor Kids Across the World… From the Comfort of Home
Did you know you can make money online while working as a teacher? Better yet: You get to pick your own hours, too.
There are several online-learning platforms focused on teaching English as a second language to students in other countries. For example, Angela Brumbaugh is a QKids teacher. She teaches 36 half-hour sessions a week and makes up to $20 an hour.
Then there’s VIPKID, another online tutoring platform. Jennifer Ross works part-time for the company, and, at $22 an hour, she brings home more than $520 a week.
32. Play Search Engine Police for Google
Search engines use complicated algorithms to determine the results you see — and they don’t always get it right.
They’re vulnerable to errors, so they need real humans to look at the results and judge them for quality, relevance and usefulness. And those humans can get paid around $12 an hour for the work.
If you want to get paid to clean up Google’s mess (or Bing’s or Yahoo!’s), look for a job as a search engine evaluator.
Tech company Lionbridge is typically hiring for these jobs, and it pays $12 to $15 an hour. Read more about Lionbridge’s gigs, and see if you can find some openings.
33. Help Doctors Spend More Time With Patients
If you’re looking for a part-time gig that offers flexible hours, consider becoming a virtual medical scribe. Basically, you’re there (behind your computer) to help doctors out with paperwork and documentation, which allows them to spend more time with patients.
iScribes, for example, regularly looks to hire medical scribes. It outlines some of the perks: virtual work, flexible hours, medical industry exposure and paid training.
34. Earn $137,000 a Year as a Self-Taught Developer
The demand for programmers is high these days, and good news for you: You can learn programming without a college degree.
Yup! You can hop on the DIY track and teach yourself to code without paying thousands of dollars in tuition. There are a ton of bootcamps and even apps to help you get started.
Let Kelly Vaughn inspire you. She’s never even taken a coding class. Yet she earned $137,000 in her first year as a freelance programmer.
35. Help Make the Internet a Better Place
Have you heard of user-testing? It helps shape websites by tapping into the minds of customers (like you!).
Tons of websites are looking for users tests. To find gigs, search sites like User Testing, where you can potentially earn up to $60 per user test.
36. Use Your Listening Skills as a Virtual Transcriber
Are you a good listener — and a good typist? You could make $15 to $25 an hour as a transcriptionist.
Yep. That’s you listening to audio recordings and typing what you hear.
You get paid per audio hour, so this is a task that’s perfect for people with great focus. If an hour-long recording takes you four hours to transcribe, you still only get paid for one hour, so listen closely!
You might work more quickly if you invest in a transcriber foot pedal, which will cost about $50.
37. Flex Your Way With Words as a Full-Time Freelance Writer or Editor
Making a living as a freelance writer, editor or both is possible. Just take notes from Jamie Cattanach, who, in her first year as a full-time freelancer, made more than $50,000. That was several thousand more than she made while working full time on a salary.
Starting her freelance business wasn’t exactly a breeze, so she offered some advice to budding freelance writers.
38. Turn Your YouTube Videos Into Cash
It’s almost 2020, baby, and these days, you can make millions as a YouTube star. Yup, that’s a job title.
It may take time to turn video views into dollars — about $1 per 1,000 views, according to Inc. — but with enough videos for fans to scroll through, those views can add up over time.
While you’re building an audience, you could also join affiliate programs related to your channel and make money online through affiliate links in your video descriptions.
39. Create a Blog and (Potentially) Earn Millions
Want to start your own website? Turn it into some money?
It’ll take quite a bit of dedication, but it can really pay off.
Take, for example, Helene Sula, a professional travel blogger who visited more than 85 cities last year and earned $200,000, in part through her blog, “Helene in Between.”
We recommend you start by building up your high-quality content. Then you can look into advertising platforms like Google AdSense, a tool that automatically serves your readers display ads. The price advertisers pay varies, so there’s no way to say how much you can make using Google AdSense, but you’ll get paid when a reader interacts with the ad.
See how that goes, then you can consider jumping into affiliate marketing.
If you want all the details, check out our guide to starting a blog, gaining page views and monetizing it.
40. Become an Instagram Influencer
Shelcy Joseph makes $1,600 a month through Instagram. She manages an account with her sister, and they split the income — that $1,600 is after the split.
The duo, who have more than 10,000 followers, makes money from sponsored posts and affiliate marketing, YouTube advertising and private consultations.
Joseph spills the tea about making money through Instagram.
41. Cash out on Bank Promotions
Banks are willing to hand over bonuses when you sign up for new checking accounts. (Just make sure you need one first and that you can maintain any minimum balance requirements!)
If you do, you could earn an extra bonus of $50 to $250 easily!
We rounded up a few of our favorite bank bonus promotions of the year.
42. Find Money the Government’s Been Holding Onto
State treasuries throughout the U.S. have more than $43 billion in unclaimed funds, according to The New York Times. Just sitting around! Waiting for you to come play lost and found.
Check with the National Association of Unclaimed Property Administrators. Click your state on the map, and it’ll redirect you to your state’s appropriate search site. (Beware: There are several look-alike sites out there. Be sure you’re searching legitimate ones.)
Penny Hoarder reader Kelli Howell heeded our advice, performed a quick search and found unclaimed money in her husband’s name.
“As I was scrolling through, I saw his name and his middle initial,” she says. She asked him to confirm his old Florida address; he grew up in Tampa. Sure enough, Mark Howell was entitled to $56 from a “matured insurance policy.”
No, it’s not always a huge money-maker, but that’s not bad for an unexpected check, right?
43. Publish a Kindle Book
If you’re a subject-matter expert or have an intriguing life experience, you could write a book. But there’s no need to send it off to all the major publishing houses in New York City.
You can publish ebooks through Amazon’s Kindle Direct Publishing platform. Penny Hoarder contributor Steve Gillman wrote a book in a week. Note: Ebooks don’t have be hundreds of pages long. Gillman found many books as short as 6,000 words.
After publishing on Amazon, he started making $350 a month. The best part? He continued to make money, even months and years later. He outlines exactly how he did it and the best tips and tricks for you.
44. Create Online Courses to Teach Others How You’ve Done it
Have you mastered the art of making money online? Or the art of anything, for that matter? Create an online course to share your knowledge with others.
For example, one math teacher created an online course on programming, and he made $1 million in less than a year.
Now, don’t go in setting your expectations that high, but with a solid platform like Udemy or Skillshare, you could start raking in some money — just by being generous with your knowledge!
45. Become a Life Coach
According to a Forbes article on surprising six-figure jobs, about 20% of life and business coaches top $100,000 annually. The article notes that “No special degree or training is required,” but if you want, you can get certified by the Universal Coach Institute.
You can coach your clients by phone and email from the comfort of your home.
Want to learn more? Check out our post on how to become a life coach.
Ready? Start Making Money Online
The good news is, with so many ways to make money online, there’s something out there for everyone. All you need, at minimum, is a computer — or, in some cases, just a phone.
Start testing some of these tricks out. And remember: These are just our favorites. The internet’s constantly cooking up other ways to make money, so keep your eyes open.
*The information for the Chase Freedom Unlimited card has been collected independently by The Penny Hoarder. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. The Penny Hoarder is a partner of Credible.