Is CashKarma Legit? 2026 Review, Safety Score & Payouts
By GrindBoss Team • Last updated: January 8, 2026
CashKarma Review Quick Verdict
The Bottom Line: CashKarma is a solid survey app for gig workers looking to earn extra cash and gift cards. It stands out by giving you points even when you do not qualify for a survey.
Why We Love It
- Earn points for survey disqualifications
- Multiple payout options (PayPal, gift cards)
- Good referral program
- Global availability
The Catch
- ✕Earnings can vary per task
- ✕Survey availability inconsistent
- ✕Not a full-time income
- ✕Payouts not instant
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What is CashKarma & How Does It Work?
CashKarma is a reward app that pays you to share your opinions through surveys. It lets you earn PayPal cash and various gift cards for your time.
Unlike many survey sites that waste your time, CashKarma aims to give you points even if you get disqualified from a survey, making your efforts more worthwhile.
At A Glance
- TypeSurvey
- PlatformiOS, Android
- CostFree
- Est. YearBefore 2015 (NaN Years)
How It Works
Sign Up
Install the CashKarma app on your phone and create your free account to get started.
Earn Points
Take surveys and complete offers to earn points. You even get some points if you do not qualify for a survey.
Get Paid
Once you have enough points, cash out for PayPal money or choose from a selection of gift cards.
Is CashKarma Legit or a Scam? (Safety Check)
When considering any online earning app, knowing if it is legitimate is key. Let us look at CashKarma's standing.
- Real Company, Long History: CashKarma is part of MomoKarma, a company with over 10 years of experience making reward apps. This shows a stable and established background.
- Millions in Payouts: The platform states it has paid out millions to its global community. This track record suggests it reliably rewards its users.
- Strong App Store Ratings: CashKarma holds good ratings on major app stores, with 4.6 on iOS and 4.3 on Android. High ratings often mean a good user experience.
- Transparent Operations: CashKarma clearly outlines its services and is upfront about its affiliate program. This openness helps build trust with users.
Verdict: Legit
CashKarma is a legitimate reward app, not a scam. It has a solid history, positive user feedback, and a clear payment system that has distributed millions to users.
How Much Money Can You Make? (Earning Potential)
CashKarma can be a good way to earn extra money, but it will not replace a full-time job. Here is what you can expect.
- Multiple Ways to Earn: Your main way to earn is by taking surveys. The app also features offers and a referral program to boost your points.
- Earn for Disqualifications: A unique feature is earning points even when you do not qualify for a survey. This means your time is less likely to be wasted.
- Referral Program: You can earn a bonus of 300 points and a lifetime commission of 25% to 50% on what your friends earn. This can be a steady passive income source.
- Variable Income: How much you earn depends on how many surveys you complete and their point value. Your location and profile can also affect survey availability.
Bottom Line: CashKarma offers a flexible way to earn points that convert to cash and gift cards. Its disqualification points feature is a big plus for users.
CashKarma Payment Methods & Cashout Speed
Getting paid quickly and easily is important for gig workers. CashKarma offers straightforward payment options.
- Payment Method: You can choose to get paid via PayPal. You can also get Amazon Gift Cards, Google Play Gift Cards, and iTunes Gift Cards.
- Minimum Cashout: The minimum amount you need to earn before you can cash out is $10. This is a reasonable goal for most users.
- Cashout Speed: Once you request a payout, you can expect to receive your payment or gift card within 24 to 48 hours.
- Approval Process: Your survey completions need to be approved before points are credited to your account. This is standard for survey platforms.
- Tax Considerations: Any earnings you make from CashKarma may be considered taxable income. You are responsible for reporting these earnings to the tax authorities.
Bottom Line: CashKarma provides reliable payment options with a low minimum cashout. The 24-48 hour payout speed is fairly quick for a survey app.
Pros and Cons of Using CashKarma
The Good
- Earn for Disqualifications. You receive points even if you do not qualify for a survey, which reduces wasted time.
- Multiple Payout Options. You can choose between PayPal cash or various popular gift cards.
- Good Referral Program. The program offers a generous lifetime commission on your referrals' earnings.
- Global Availability. The app is available in many countries, allowing a wide range of users to participate.
- User-Friendly App. The app is easy to use and navigate, with good ratings on app stores.
The Bad
- Inconsistent Survey Flow. The number of surveys available can vary, meaning some days you might earn less.
- Earnings Can Be Low. Individual survey payouts might be small, requiring more time to reach cashout goals.
- Not a Primary Income. It is best used as a side hustle for extra cash, not as a main source of income.
- No Instant Payouts. While quick, payments are not instant and can take up to two days to process.
CashKarma Frequently Asked Questions
Is CashKarma legit or a scam?
CashKarma is legitimate. It is part of MomoKarma, a company with over 10 years of experience in reward apps. They have paid out millions to users and have good ratings on app stores.
How much money can I earn on CashKarma?
Your earnings depend on how many surveys you complete and their point value. Many users earn enough to cash out regularly, but it is best for extra income, not a full-time wage.
How fast does CashKarma pay out?
CashKarma aims to process payouts within 24 to 48 hours. This applies to both PayPal cash and gift card redemptions.
What payment methods does CashKarma offer?
You can choose to receive your earnings via PayPal. They also offer a variety of gift cards, including Amazon, Google Play, and iTunes.
Who qualifies to use CashKarma?
CashKarma is available globally, meaning many people around the world can sign up and start earning. Eligibility for specific surveys will depend on your profile and location.
How can I get more surveys or tasks on CashKarma?
To get more opportunities, make sure your profile is fully completed and updated. Check the app regularly, as new surveys can appear at any time.
What is the CashKarma referral program?
The referral program lets you earn a 300-point bonus and a lifetime commission of 25% to 50% on what your referred friends earn. It is a good way to boost your income.
