CashKarma App Review: Should You Join?

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Using the CashKarma  is said to be a convenient way to make some money on the move. There are a bunch of tasks, and the payout options seem to be good. If you pick your offers carefully, it can really add a few dollars to your pocket, at least from my experience.

Now, you might have heard of CashKarma as a means to earn free cash or gift cards.  It’s one of the biggest money-making apps on the market with more than 1,000,000+ downloads, but is it legit or just another scam to avoid?

To put it simply, yes it does work and I’ve received a payment from them multiple times, however, that doesn’t necessarily mean it’s the right fit.

In today’s review, I’ll reveal everything you need to know about CashKarma, so you’ll have a clear picture of what you can expect. It’ll help you decide if it’s worth your time or not.  And, as always, all of my reviews are 100% legitimate and honest.  I will never promote something I feel isn’t worth the download.

What is CashKarma?

CashKarma is a GPT (Get-Paid-To) app where you can earn “points” by completing surveys and other micro-tasks online.

At the moment, it’s not available on a website and you will need an Android or iPhone to download and start earning.  While they do have a website, it will direct you to their phone app.

Having it as an app is super handy for earning while out and about, but before deciding if it’s right for you, you’ll need to understand how much you can earn using the app and how it stacks up against competitors.

So, with that being said, let’s get into the ways you can earn and how each option works.

Joining and Getting Started

Anyone, regardless of where they live, can join CashKarma, as long as they are at least 13 years old.

Naturally, since it’s an app, you need a smartphone to download and use it.  It’s available for download both through Google Play and the App Store, as stated.

One unusual thing about CashKarma compared to other platforms is that when you first join, you don’t necessarily need to create an account. You can simply open the app and start using it  However, once you’re inside the app, you have the option to create an account using your email and a password.   If you plan on using the app regularly, I would recommend creating an account. This allows you to use the app across different devices, and you also receive a bonus for creating an account and verifying your email.

Once you download it, you can get started in less than three minutes.

Method #1 – CashKarma Surveys

Paid surveys serve as a primary source of income when you’re using CashKarma, and when I was using it I did find a lot of them within the app.

To start taking these surveys, I initially answered a brief demographic questionnaire for each survey provider that partners with CashKarma.  These preliminary questionnaires take a few minutes, and there are a handful of them. Each questionnaire helps unlock a survey wall, but the great part is that you will get points for filling out these short demographic questionnaires.

Once you do that, you can then access the available surveys, however, let me warn you that you won’t qualify for every survey you click on, so you may need to wait some time to find the ones you do qualify for.

Still, the app does provide access to a good number of surveys that are easy to complete through the many offerwalls as seen below.

A great feature that I liked is the bonus system when you’ve been screened out of surveys a specific number of times.

For instance, I was able to get about 50 points when I screened out 10 times and up to 500 points for 100 times.  This is subject to change, but this is what I experienced.

Although the bonus isn’t massive, it’s pretty nice to get something for your effort, especially compared to some competitors.  A lot of survey sites don’t always pay you when disqualify, so it was nice to see this.

As for the rewards, the surveys weren’t paying as much, either.  Nevertheless, it can still be worthwhile if you’re looking to access as many surveys as you can and prefer something that’s easy to use on your phone.  I’ve noticed that some of the same surveys are available on other sites for a better reward – for instance, one survey router had surveys that pay about $0.25 per survey on CashKarma, but if you take these directly on official router website, you’d get about $1 per survey.  This is the reason that I stress that you should always compare your rates as they will always vary.

So in the end here, not all of the surveys on the app are worth it, but it also provides some options that you won’t find in other apps. If you choose the right surveys, then CashKarma can serve as a solid platform to earn some extra cash.  Don’t just expect to make a ton.

Method #2 – Joining Bonus/Referral Code

One of the perks of CashKarma that I appreciate is the generous start it gives by offering multiple joining bonuses instantly to jumpstart your earnings.

For example, if you use a referral code when you sign up, you’ll get a boost of 500 points.  If you use a code, it’s as easy as that and you don’t need to do anything for these free points.

Alternatively, you can join through a link and you will get these free points as well.

Moreover, verifying your email address grants you an additional 50 free points.  So, as you can see, earning 550 points right off the bat isn’t all that hard.

Method #3 – Paid Offers and Deals

Inside the app, there are multiple paid offer walls.  For instance, when I was writing this, these were some of the offers you could complete:

Some of the offers can be quick and entertaining.

These offers vary significantly in terms of rewards. While some offer substantial rewards, others provide minimal compensation. Furthermore, many of them are laden with ads, designed to extract your information for advertisers to contact you.

If you’re going to do these offers, make sure they are worth your time and they make sense.

Nonetheless, it could still be worth trying out some of these offers. They can be an easy way to earn money if you choose the right ones. Just ensure to read the conditions for the offers carefully, so you know exactly what you’re agreeing to.

I have done offers countless times, mainly on Swagbucks, but you can earn $50 to $100 easily if you complete the right ones.

Method #4 – Badges and Bonuses

Something that caught my attention about CashKarma is the variety of bonuses and badges it offers.  These numerous bonuses and badges add a fun element to using the app in a way.

For instance, there’s a small bonus and a badge when you’ve checked in a certain amount of times, you get a little daily bonus for checking into the app, you earn a bonus and a badge when you’ve watched a set number of videos, and so on.

There were a few of these small bonuses and badges.

While they certainly won’t make you a millionaire, they’re an okay way to earn more money with the app.

Getting Paid

As always, it’s crucial to understand the payment methods before signing up for any money-making opportunity. You need to ensure it offers methods and conditions that suit you before you even start, as the rewards will greatly vary.

In comparison to competitors, Cash Karma offers good payout methods, such as PayPal, Amazon, or a selection of other gift cards.

Take a look at some of the reward options, for example:

Personally, I lean towards survey options that offer PayPal as a payout method since it’s such a convenient and quick way to receive your rewards in cash. So, I appreciate that CashKarma provides this option; however, the other reward options are great, depending on your preference.  Nonetheless, I’m certain you will find something that’s of interest to you.

Now, as for the rewards, it is not as straightforward as it seems since you will have to do a bit of math.

The payout threshold will depend on the reward you want and where you’re from. For instance, the lowest threshold is for an Amazon gift card, where you can claim one for as little as $1 in some countries, which is equivalent to 1850 points.

This is a very low payout threshold and one of the lowest options you will find for these types of apps.

However, the conversion rate from points to dollars can be a little puzzling. Therefore, I believe other sites offer Amazon gift cards as rewards with better conditions.

What’s confusing about the rewards is that the conversion rate depends on the reward and when you want to request your payout.  As illustrated above, if you consider an Amazon card, for example, you need 1850 points to earn $1.  However, if you can wait until the $25 gift card, you only need to spend 25,000 points.

With PayPal, you can withdraw your money when you reach $3, which costs 5250 points, making PayPal a more expensive option for lower rewards. However, if you wait until you get 100,000 points, you can get $100 for it.  This can be said about a lot of apps.  The longer you wait, the more your points can be worth.  Make sure that you know how to maximize your rewards here.

So, it’s  better to accumulate more points before requesting a payout since you get more value for your points. This strategy, however, does require some patience if you want to get the best value for your points.

A unique thing that I like and have seen only in a few places, is that you get a bonus every time you receive a payout, and this bonus will depend on the size of your reward.  For instance, if you request a $50 PayPal payout, you will receive 2500 points as a bonus, equivalent to an additional $2.5.  That’s a nice bonus just for cashing out, especially compared to some other sites that deduct a small fee for completing the payout.

How Much Can I Earn?

As you can tell by  now, CashKarma provides several ways to earn.

Since it’s an app, it’s easy to use on the go, making it a viable way to earn some extra cash.

However, it’s essential to keep realistic expectations. You should not anticipate it to provide a full-time income or anything close to it. It can serve as a source of a little extra income, but it requires patience. Keep this in mind as you start.

If you were to complete a survey or two here and there, then you may make $1 a day, but if you were to be aggressive, then $5 is doable, especially if you find the right offers.  As a safety net, I would say you should expect to earn $10 to $30 a month if you were using it casually.

What Are Others Saying

As in all of my reviews, I love to see what people are saying, particularly on the Google Play Store and iTunes.  Below, you can find a summary of what I found, both good and bad.

The Pros

  • good interface and easy to use
  • lots of reward options
  • variety of ways to earn, including surveys, games, and downloading related apps.
  • fast payouts

The Cons

  • annoying unskippable ads for some
  • technical glitches
  • some games/surveys, etc don’t pay that much

Final Thoughts

5/10Overall, CashKarma is a simple to use app that connects with a lot of third-party offerwalls.  Most of what you find here can be found elsewhere, but if you want to earn on the go while using simple, then this is one to consider.  Granted, you will never get rich, but you can earn $10 to $30 per month, which is expected for most survey-like apps like this.

While apps like CashKarma and other paid survey platforms can provide a small income boost, they are not sustainable sources of income for most people. They’re better suited for earning a bit of extra pocket money or for monetizing spare time.

The amount you can earn largely depends on the number of tasks available to you, which can fluctuate.

That’s going to do it for now.

If you want to chime in on your experience, feel free to do so below.

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Tom Nathaniel

Hi! My name is Tom Nathaniel, and I created LushDollar to help share my honest thoughts on everything money. You won't find gimmicks here. It's the Internet's most honest money site after all. I graduated from Arizona State University, and I have worked in the finance industry since 2006, consulting with multiple Fortune 5000 companies.

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