7 Low-Effort Ways to Make Passive Income (You Can Start This Week)

Earning passive income doesn’t need to be difficult. You can start this week.
Most of the time, if you want to earn money, you have to work for it. That’s kind of the whole arrangement we’ve all agreed upon. Unless, that is, we’re talking about passive income. It’s right there in the name — it’s passive. You can earn money while you’re sleeping, hanging out with your friends or just living your day-to-day life.
And it doesn’t have to be some difficult far-fetched scheme, either. These are some of the lowest-effort ways we’ve ever seen to earn passive income. You can start these as soon as this week:
1. Grow Your Savings More Than 9x Faster Every Month
One of the easiest ways to earn passive income is to make sure your money is working for you. And if you keep it in a traditional savings account, you could be missing out on serious growth.
When you keep your savings with Cash App, you could earn up to 3.75% interest* — that’s more than nine times faster than the average savings account (which pays just 0.40%**).
Cash App pays a base 1.5% interest rate, but when you set up a direct deposit of just $300 per month, you’ll boost that rate to 3.75% interest. Even better? There’s no minimum balance or monthly/hidden fees, and Cash App monitors your money 24/7 to look out for any fraud.
Want to boost your savings to 3.75% interest every month with Cash App’s partner bank? It’s easy to get started here with as little as $1 and watch your money grow more than nine times faster than average.**
2. Stop Wasting $1,025 on Your Car Insurance
Odds are, you’re probably paying way too much for your car insurance every month. And it can seriously add up — to the tune of $1,025 a year.
Fortunately, Insurify lets you compare all your car insurance options at once — and it can save you up to $1,025 a year.
Just enter some basic details about your car and background, you’ll get customized quotes you can review on your own time and from the comfort of home.
Ready to cut your car insurance bill? It’s easy to get started here and see how much you can save.
3. Add Up to $20K in Free Silver to Your Portfolio
The past few years have been a rollercoaster for investors. Plenty of retirement accounts have taken serious hits.
That’s why more investors are building wealth with gold and silver IRAs through a company called Priority Gold. Not only are precious metals a historically stable investment, but right now you could also claim up to $20,000 in free silver on qualifying purchases.
Here’s why it works: Gold and silver have a track record of holding value — even surging in price — when stocks fall and inflation rises. It can be a smart way to protect your money against uncertainty.
Getting started is simple: You can roll over existing retirement funds into a precious metals IRA, or buy gold and silver directly. Priority Gold even offers a no-fee buyback program so you can sell at competitive prices when the time is right.
Click here to get your free gold and silver kit and see how you can protect your portfolio and claim your bonus of up to $20,000 in free silver before the offer ends.
4. Get Up to $1,000 in Free Stock Just For Investing
Your savings are looking great. But don’t rest on your laurels just yet. Now that you’ve built up some cushion, it’s a great time to make sure you’re putting your money to work.
When you invest with SoFi Active Invest, you can earn up to $1,000 just for opening and funding an account. All you have to do is open and fund a new account within 45 days.
Once you open your account, you’ll get access to commission-free trading on stocks and ETFs, plus you can buy fractional shares of your favorite companies. Unlike other platforms, SoFi® has no account minimums and no hidden fees, so you’ll keep more of what you earn.
It takes just a few minutes to open an account. Get started here and fund your account within 45 days to earn up to $1,000.
5. Get Paid $17 a Day to Play Free Games on Your Phone
We all have a game or two we like to play on our phone during our free time. Wouldn’t it be nice to get paid real cash for it? That’s exactly what a free site called Scrambly does — the average person earns $17 per day.
Scrambly works with developers who want to get their games and apps in front of new people, and they’re willing to pay you to try them. When you sign up, you can browse more than 150 free games and apps. Just find one you like and start getting paid.
You don’t need to play long, either — you can earn by playing just a few minutes at a time. And it’s all completely free. In fact, if you make an in-app purchase on a Scrambly-discovered app, they’ll give you cash back.
Once you earn $1, you can cash out instantly via PayPal, Visa, Amazon Google Play and Apple. More than 2 million people already use Scrambly, and the average person cashes out in just six minutes.
Ready to start pocketing up to $500 a month in extra cash just for playing free games on your phone? Get started here and see how much you can earn. Right now, you’ll even get a 500 coin signup bonus.
6. Boost Your Lifetime Investment Returns — By As Much As Double
According to a Northwestern Mutual study, working with a financial planner could double your lifetime investment returns* — all while helping you reduce risk.
But only one in three people ever do it. Luckily, a company called WiserAdvisor will match you with a vetted financial advisor in your area — for free.
No two people have the same financial situation, which is why WiserAdvisor matches you with an advisor tailored to your unique goals — retirement, investing and more.
Every advisor is pre-screened for expertise and trustworthiness, and you have no obligation to hire them.
Want to get a customized financial plan and answers to your biggest money questions? Don’t miss the chance to see what your money could really be doing. Get matched with a financial advisor for free.
7. Use This App to Get $300+ in Annual Value While You Build Credit — No Hidden Fees, No Interest
Building credit can feel impossible if you don’t already have it. Most cards either reject you or stick you with sky-high fees and interest.
But with an app called Fizz, you can actually get over $300 in annual value via rewards while you build your credit.
Here’s how it works: Become a Fizz Member for less than a cup of coffee a month. Connect your existing bank account and apply for a line of credit to use for everyday purchases. Then, turn on daily autopay, and Fizz will report your on-time repayments to the credit bureaus — so you can build your credit while your wallet grows, too.
You can earn over $300 in annual value along the way, including 3% cash back in a category of your choice, cash-back rewards at merchants near you, and flash deals worth up to 100% cash-back at popular spots.
Unlike traditional credit cards, there are no hidden fees, no interest and no ATM or foreign-transaction fees. More than 100,000 people already use the Fizz app.
Want to pocket an extra $300 in annual value or more while you boost your credit? Download Fizz on iOS and Android and start earning. You could get approved for up to a $1,000 line of credit today.
Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.
*Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card or sponsor one or more sponsored accounts and receive at least $300 in paycheck direct deposits each month; or (b) have a sponsored account with sponsor approval to earn interest. Exceptions may also apply. Savings yield rate is subject to change.
**The national average savings account interest rate is 0.40% APY, according to the FDIC, as of Sept. 15, 2025.
*Wiser Advisor: Americans with a financial advisor expect to retire two years earlier according to Northwestern Mutual’s Planning & Progress Study
*Fizz: ShoulderTap Technologies, Inc. d/b/a Fizz (together with its subsidiaries, “Fizz”) is not a bank. The Fizz Debit Mastercard® (“Fizz Mastercard”) is issued by Patriot Bank, N.A., Member FDIC. The Fizz Visa® Debit Card (together with the Fizz Mastercard, the “Fizz Card”) is issued by Lead Bank, Member FDIC. Loans offered in connection with the Fizz Card are originated by Lead Bank. Any promotions or rewards offered in connection with the Fizz Card are offered and managed by Fizz, not our bank partners. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Fizz is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score.
*Terms and eligibility restrictions apply. See joinfizz.com for details. Over $300 in annual value of Fizz Card based on cash value available to Fizz Card users assuming half of all available rewards and promotions are used. Membership is subject to a periodic, recurring subscription fee. Fizz Members may choose to apply for a Fizz Card, but are not required to. Fizz Membership does not guarantee access to a Fizz Card. Application and eligibility restrictions apply. You may apply for the Fizz Card without subscribing to the Membership by contacting support@joinfizz.com.
*SoFi: Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease.
Other fees, such as exchange fees, may apply. Please view SoFi’s fee disclosure to view a full listing of fees
There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.
INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
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