10 Quick Ways to Earn an Extra $100

When you’ve got money to spare, $100 might not seem like a lot.

A crispy Benjamin might get you a nice dinner at your favorite restaurant (go ahead, order dessert), or cover your phone bill for a month.

But $100 only goes so far, right?

We disagree.

We’ll definitely hustle a little harder to earn an extra $100. Here’s how.

1. Let This App Spot You a Few Bucks When You Need It

It’s happened to all of us at some point  — the dreaded overdraft. It’s not only embarrassing if your card gets declined at the grocery store over a few bucks, but the fees that come with it only put you further into a hole. Double yikes.

But a financial technology app called Chime wants to protect you from both of those problems with its SpotMe® feature. It’s a fee-free overdraft protection that lets you overdraft up to $200 (for eligible members) without penalty.

Yep. Just sign up for a Chime checking account and set up a qualifying $200 monthly direct deposit to take advantage of this face-saving tool. You’ll also get access to other sweet features, like getting paid up to two days earlier with direct deposit, help automatically growing your savings and access to more than 47,000-plus fee-free ATMs.

Signing up takes just a few minutes. You’ll need your Social Security number handy — but don’t worry, your information is protected by bank-level security, FDIC insurance and two-factor authentication.

2. Get $100 in Cash Back

Rakuten is an online shopping portal that offers cash-back opportunities at more than 2,000 stores.

You’ll need to sign up (and score a $10 sign-up bonus!) and then click on their store links the next time you need to buy something online

You can score up to 40% cash back on your purchases. Here are some examples of our favorite deals (at the time of writing this):

• Get up to 5% cash back at Amazon.

• et up to 19% cash back at Target.

• Take up to 25% off your next car rental from Thirfty.

The deals are always changing.

Just a few weeks ago, Rakuten was offering 10% cash back at Walmart. There are thousands of offers, so I’ll spare you. But you can see if Rakuten has something for your favorite online retailer (probably) by downloading the free browser extension and creating a free account.

And don’t forget that free $10 bonus!

3. Get $100 By Taking Surveys

Most of you know, surveys aren’t our favorite way to make extra money, but we make an exception when we’re just vegging out on the couch.

We figure as long as we’re just watching TV, there’s no reason we can’t click a few buttons at the same time.

One option we like is MyPoints. This platform lets you earn gift cards for taking polls, answering surveys and other things you do online — a great way to cash in on long lines or an endless commute. You’ll earn a $5 bonus when you complete your first five surveys.

If you take all of the the surveys they send you every day, you’ll be up to $100 in no time.

4. Sell $100 in Board Game Pieces

Ever seen a board game in the thrift store but noticed with great sadness that it was missing half the pieces?

You might want to put the game in your shopping cart anyway. One Penny Hoarder made $250 in six months selling spare board game pieces online. You can even sell “mystery bags” of pieces for $12 a pop!

It may take some time for your listings to sell, but if you follow Laura’s guide, you can probably make $100 in about three months.

5. Make $100 by Renting Your Spare Bedroom (or Couch) This Weekend

Have a spare room? Might as well use Airbnb to make some money by renting it out.

If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.

And there’s no reason you can’t be creative. We even found a guy that earns $1,380 a month renting out a backyard tent on Airbnb.

Taking a few simple steps can make the difference between a great experience and a less-than-satisfactory one.

Here are a few tips:

– Make your space available during high-demand times in your area. Think: concerts, conventions and sporting events in your area.
– Be a good host, and make sure your place is stocked 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.

Here’s the link to sign up as an Airbnb host.

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

6. Drive With Lyft and Earn at Least $100

Need a fun, flexible way to earn money while also meeting lots of new people?

Try driving with Lyft!

Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

We talked to Paul Pruce, who’s been driving full-time with Lyft for over a year. He earns $750 a week as a driver.

Best of all, he does it on his own time. You can drive days, nights or weekends — it’s up to you!

Not sure which ride-sharing app is right for you? Here’s our guide to Lyft versus Uber.

7. Earn $100 by Stopping By Your Local Bar

Sign up for the Bar Integrity Mystery Shop through the Mystery Shopping Providers Association to get paid to go to bars.

As a mystery shopper, you’ll pose as a regular customer — while secretly rating each bar on speed of service, friendliness, accuracy, cleanliness and other factors.

MSP offers other types of mystery shops, as well. Choose what fits your schedule, so you can pick up retail shopping and restaurants, too, if you want to round out your day.

8. Save $100 in Digital Change

If you want an insanely simple way to save and invest your money, try Acorns. You’ll be amazed by how much money you can set aside without even thinking about it.

Acorns is a smartphone app that connects to your bank account, credit and debit cards to save your digital change. It automatically rounds up purchases with your connected accounts and invests the difference in your Acorns account.

This Penny Hoarder saved $116 — about $35 a month — by connecting one debit card to the app and forgetting about it.

At that rate, you put away $420 a year. And if you use your credit cards more frequently, your round-ups could amount to much more.

9. Earn Over $100 by Selling Your Unlimited Data Plan

Grandfathered into an amazing unlimited data plan for your phone or tablet?

You can sell that.

If you’re not making use of all those GBs, put it up on eBay — unlimited data plans are selling for between $300 and $2,000 each.

It’s a little more complicated than it sounds — after all, these plans weren’t meant to be resold. But if you’re down with a little loophole dance, this could net you big.

10. Earn $100 by Decluttering Your House

Have a bunch of movies or CDs collecting dust on a shelf? Decluttr will pay you for them!

Decluttr buys your old CDs, DVDs, Blu-rays and video games, plus hardware like cell phones, tablets, game consoles and iPods.

One user, Gil Flores, sold about 100 DVDs and 75 CDs and made $275 — an average of $1.57 each.

Just download the app and start scanning the barcodes on your media to get immediate quotes. It’s completely free to use, there are no listing or seller fees, payment is super fast and there is even free shipping.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).

Chime is recommended by more of its users in the 2024 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.

* Terms apply. Limited time only, must open the new account and complete qualifying activities to earn 3 individual rewards, up to a max of $350.00, as described at https://www.chime.com/policies/newmemberofferv3.

1 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.

2 Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.

3 SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

4 With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases. Please refer to the Secured Chime Visa® Credit Card – Cash Rewards Program Addendum for details and more information on rotating cash back categories.

5 On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

6 Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

7 Money added to Chime Card™ will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

8 You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

9 To be eligible for Chime+™ status, you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details.

10 To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

11 Top three national bank ranking according to the Federal Reserve Statistical Release based on domestic assets; number of ATMs self-reported by Chase, Bank of America and Wells Fargo – June 2025.

12 To apply for a Chime Card, you must also open a Chime Checking Account.

13 Chime Visa® Credit Card holders – Deposits and debit refunds go to your Checking Account, then transfer to your Chime Card Secured Deposit Account – other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then transfer to your Secured Deposit Account. Funds are moved from your Secured Deposit Account to your Checking Account to facilitate outbound transfers and debit purchases. Your Available balance is the money you can spend with your Chime Card or Checking Account. See account agreements and statements for details.

14 

• Chime will report the following activities, as applicable, to TransUnion®, Experian®, and Equifax®: amount past due; payment status of the last paid-off balance; how long you’ve had your card; current statement balance; last balance payment date; and highest balance before paying it off.