DEBTCC COMMUNITY QUESTION OF THE MONTH

Question 11: Are Paid Online Surveys the Best Way to Earn Extra Money?

DebtCC Community Contest #11: 18 real members share their firsthand experiences, winner insights, spam warnings, and practical side-income alternatives.

By Loretta Kilday, Esq.Published: August 26, 202614 min read Legally Reviewed
DebtCC Question of the Month - Paid Online Surveys
DebtCC Community Knowledge Bank

Question of the Month

Question of the Month is yet another effort by the debtcc team to enhance the community knowledge bank. It's a monthly contest and every month a challenging question will be thrown before the members for responses. The best answer will be chosen collectively at the end of the month by the debtcc members and the admin panel of the site. The winner of this contest will receive a handsome reward of $50. The purpose behind this idea is to encourage the members to share their real life experiences in dealing with financial challenges.

Though different financial issues are being discussed across the debtcc board, it doesn't leave much scope for members to share personal experiences. Here is the place where it can be done, so new members can get innovative ideas to deal with their debts alongside conventional ones.

Contest Question #11

Question 11: Are paid online surveys the best way to earn extra money?

"Market research companies across the world always look out for people who would provide their feedback on various items. These companies also claim to pay money for participating in these surveys. Being a part of these internet based surveys help you to earn some extra cash. We encourage you to give your opinion on these paid online surveys. The member with best voted answer will win $50."

🏆
Winner Post ($50 Winner)

Answer 1 by brian446fsu

Voted Best Community Answer

Answer 1: Are online surveys the BEST way to earn extra money? It depends on a few things...

  1. Is the extra money worth the aggravation of junk email and postal mail?
  2. Have you done everything else necessary to earn extra money?

Sure, everyone's time is valuable which is why these online surveys pay money to partake in the research. However, in order to see a substantial amount of money (over $10) one would have to partake in A LOT of these surveys! I did this once and spent approximately 2 hours doing surveys and received a check for $20 at the end of the month. This adds up to $10/hour...not bad for anyone looking for extra cash.

However, I received A TON of junk email (which of course companies claim they do not give your contact information, but it was a very strange coincidence that I received a ton of junk email immediately AFTER taking these surveys). Also I received a ton of junk postal mail, including two pyramid schemes. So was it worth it? NO! I actually would like to receive email without having to filter through 100 pieces of junk!

So how can one earn extra money just as easily? The thing is...there is no such thing as easy money. Sure, with these surveys you give your time, they give you money....but it also seems like they give your name to spammers.

Winner's Final Recommendation:

"In today's economy we are all looking for extra cash. My suggestion: if you need extra money - find a part-time job. Sure, jobs are not as easy to find as they were three years ago....but they're out there. It just takes a little more time to find. And believe me you will be grateful you spent the time looking for an extra and/or primary job rather than taking these online surveys, making little money, and accumulating a lot of spam!"

Answers 2–7: Scams, Privacy & Verified Sites

SQ

Answer 2 by SusieQ

Community Member • Joined ~100 panels

I thought I would try doing this, and joined about 100 panels about a year and a half ago. It was fun, but very time-consuming, and I found most surveys were already filled and closed by the time I got the notice, or I didn't qualify. In all that time, I've only made about 50 dollars.

I have gotten some products to try, though - lotion, batteries, and some food products, which I got to use, keep, and answer questions about - but it hasn't come close to being worth all the time I've spent at it. Many of them don't award cash, but chances at drawings or prizes.

I think I must be the most common demographic out there, because most of the really good ones no longer needed the opinions of people in my categories. I think if you are of a particular ethnicity - African-American, Asian, or Hispanic, for example, it may be easier to qualify.

💡 SusieQ's Pro Tip: "Another downside is that once I signed up to start receiving survey invitations, my junk email level rose to an incredible amount... I got a separate Yahoo email address for surveys only, to keep all that stuff separate from my personal/business emails."
K7

Answer 3 by kengra72

Community Member • Identity Protection

First you need to check out the legality of the company, just because they say they pay you doesn't mean it is so. PROTECT YOURSELF and your private information. Secondly once you do that then you must decide which one fits and suits your needs.

⚠️ Warning from kengra72: "Use whatever research engine, Better Business Bureau, any information on the company and reviews of its performance and ratings will keep you from being a victim! REMEMBER BE A SMART CONSUMER SHOP AROUND BEFORE YOU ACT! IT COULD BE THE WORST MISTAKE OF YOUR LIFE!"
LC

Answer 4 by Lacie C

Experienced Survey Taker (2 Years) • Free Sites & Demographic Setup

As an experienced survey taker for 2 years. When I first started I didn't know where to begin. I had been severely stricken with hyperthyroidism (Graves' disease). So, I had to find means to make extra cash. Did some research & found out that there were survey companies that you could join but, that you would have to pay money to become a member. I advise you not to do this! There are plenty of free survey websites that you can join for free.

📌 Lacie's Demographic Strategy: "Always list that you make under $20,000 per year, list that there are only two adults in the household, and that you are the person most responsible to all products and finances in your home."
SH

Answer 5 by Shazzers

Community Member • Adware & Virus Warning

Paid surveys online has proved to be nothing more than a spam magnet for me. All I have received so far is: tons of spam in my email box, adware on my computer, a computer virus, telemarketing phone calls, and spam at my personal home address delivered by my mail route person! All THIS and more on a daily basis!

I haven't cashed in any of my so called money because it would take me too long to accumulate enough to do so! It simply isn't worth it to me and I can see NO benefit attempting to earn money filling out surveys!

AJ

Answer 6 by ajlajlrjlej

Community Member • Cashback Shopping Alternative

My experience, generally speaking, is that online surveys are NOT the best way to earn extra money. With Opinion Outpost, I spent almost 45 minutes going through 6 surveys and did not qualify for any of them. So I spent nearly an hour of my time and earned nothing.

🛍️ Cashback Alternative: "One thing I would recommend is joining a site like sendearnings.com. They offer cash rewards for shopping at various sites... I frequently shop at sites like Overstock.com and Ebay. Everytime I buy or win something from Ebay, I earn 1% of the price. Currently I have over $50 for this month alone!"
M7

Answer 7 by Community Member #7

Experienced Researcher • 4 Verified Platforms

Yes...online surveys are the best way to earn money. But the most problem is to find a good online survey site. Unfortunately around 97% of sites are in the class of Top scams.

In many years of research, I am totally promising only 4 online survey providers are 100% genuine & Effective:

1. ACOP (acop.com): Pays $3–$250 / survey
2. SurveySavvy (surveysavvy.com): Pays $3–$250 / survey
3. Greenfield Online: Pays $3–$80 / survey
4. Yahoo Phone Surveys: Pays varied amounts by phone

Answers 8–13: Low Payouts, Trial Offers & Focus Groups

KB

Answer 8 by kabrosam (Posted by ARUN1247061834)

Community Member • Hourly Math & Odd Job Alternatives

Paid online surveys are not the best way to earn extra money, in my opinion. Many online surveys require you to complete offers in addition to taking the survey in order to get credit. Also, many surveys are worth $.50 and you cannot collect a payout until you reach a certain amount of money, usually $20 or more.

Many surveys are very time consuming for very little money. Imagine if a survey takes you 30 minutes to complete and they only pay you $2.00 for the survey? That's $4.00 per hour... what job would you take that pays $4.00 an hour?

💡 kabrosam's Alternatives: "I think better ideas for earning extra money are doing odd jobs, selling plasma, or a good old fashioned part-time job."
DE

Answer 9 by dee1246474566

Community Member • Tested Over 50 Sites

No they are not! They have you go through a signup period, send you maybe one paid survey, and then send you tons of junk surveys that you have to "buy something" to earn something. I checked over 50 of these sites and got 0 results. So if you find one that actually works would appreciate a heads up.

PL

Answer 10 by peacefullia

Community Member • Stock Photography Alternative

I am not even sure they really give money. Lately I registered with some online survey companies, and received notifications about new surveys available. I think they're too tricky, or I even suspect they're not real.

They give 1st question to sort out whether I am eligible for the survey. Mostly I am not. That's fine. But several times I finished the surveys from the beginning to the end, then as usual directed to the survey company's website, where a message was waiting for me: "so sorry, you're not eligible for this survey". Excuse me, I've spent half an hour and finished the survey!

📸 Stock Photos Alternative: "Real ones are out there, not as easy as filling in a survey, but real money's waiting. Say like selling pictures on stock photos websites."
IG

Answer 11 by igbteam (Tamara Grant)

Community Member • In-Person & Online Focus Groups

The best legitimate site I have found and also know of others that use them are called focus groups. Some are online and others you can go to the business and they give you a check on the way out after the group has ended.

🗣️ Focus Group Tip: "Go to volition.com/focusgroups.html. Our friend uses Elliot Benson in Sacramento California when he needs extra money when business is slow." — Tamara Grant
DM

Answer 12 by dericmccloud

Community Member • Federally Funded Surveys

I feel like online surveys are a great way to earn extra money if they are legitimate. The best ones are federally funded. I also think that it is a great way to stimulate the economy. If the money that is received is invested properly, I think it's a great idea.

EM

Answer 13 by emma1247236931

Community Member • Credit Card Offer Traps

I have joined a couple of online surveys, and found that I have not made any money, only points toward gifts and drawings. One company actually wants you to join whatever you are doing the survey on, which requires you to use a credit card and have people call you with products and such. Then when this is done, you will get your money some time in the future. I'm still looking for one that I can really make money from.

Answers 14–18: Sales Alternatives, Free Trial Traps & Final Opinions

MC

Answer 14 by mariaco01

Community Member • Direct Sales Alternative (Avon, Mary Kay)

It's not necessarily the best way but it does help. You have to answer enough of these to get a considerable amount of extra money. But if you are looking to go out to dinner at McDonald's once a week, then surveys are probably the way to go.

💄 Direct Sales Alternative: "Another way would be to do the selling of Avon, Mary Kay, Jafra, etc... the commissions are pretty good and if you are good in sales, it should be a breeze. You always get your return customers."
DS

Answer 15 by Dari smith

Community Member • Shipping & Product Billing Scams

No, They end up costing you. They always say try this for free but you get shipping & handling, and later a bill for the product later. Scams. Thank you.

AF

Answer 16 by Ashley Floyd

Community Member • Store Receipt Purchase Surveys

I would love to earn extra cash by simply taking surveys. But, sometimes I feel that they all have a catch to them. Most only want you to purchase items before you can qualify to receive money.

🧾 Receipt Survey Exception: "The only surveys that are not trying to offer you to buy something is those where you fill them out from a receipt purchase and you may be entered to receive money thru a drawing."

HM

Answer 17 by Heather Mussari

Community Member • Free Trial Cancellation Trap

I do not think that paid online surveys are the best way to earn extra money. Most of the time you will not qualify for the survey. You get through most of the survey and then it tells you that you don't qualify, or they are looking for a certain group of people for the particular survey.

💳 Free Trial Credit Card Warning: "The most annoying thing with most of these online survey companies is if you have to complete an offer in order to receive the amount of money being paid for the survey. Most of these offers you have to pay for with a credit card number. You can cancel the membership or offer after the free trial date and not be charged. If you forget to cancel, they will charge you this astronomical price each month!"
BG

Answer 18 by brarty_gurl76

Community Member • Upfront Payment Scams

I think online surveys are a good way to earn extra money, but I wouldn't say it's the best way because some surveys you can't trust to pay or they could be just a scam. You can't trust the surveys that want you to pay before you start, I wouldn't trust them ones because they usually always turn out to be a scam. So yeah I would say online surveys are good but not the best or smartest way to earn money.

DebtCC 18-Member Consensus & Strategic Takeaways

Synthesizing all 18 authentic DebtCC community responses reveals 5 core takeaways for anyone considering online survey side hustles:

1. Never Pay Upfront Fees

Emphasized by Lacie C, brarty_gurl76, and kengra72: legitimate market research panels are 100% free. Any site asking for payment to access survey lists is a scam.

2. Beware Credit Card "Free Trial" Traps

Emphasized by Heather Mussari, Dari smith, and emma1247236931: survey sites forcing you to input credit cards for sponsored free trials often charge recurring monthly fees if you forget to cancel.

3. Protect Privacy with a Dedicated Email

Noted by SusieQ, brian446fsu, and Shazzers: survey signups trigger high volumes of marketing emails and potential spam. Always create a separate email account exclusively for survey portals.

4. Explore Better Extra-Income Alternatives

Members recommended higher-yielding alternatives: local focus groups (igbteam / Volition), cashback shopping (ajlajlrjlej), stock photography (peacefullia), direct sales (mariaco01), or traditional part-time employment (brian446fsu).

Conclusion & Strategic Summary

The overwhelming consensus across 18 real DebtCC members is clear: paid online surveys are NOT the best or primary way to earn extra money. While they can provide small pocket cash for casual dining or gift cards, the low effective hourly rate ($2 to $4/hr), frequent screener disqualifications, and risk of credit card trial traps make other side hustles far more rewarding.

As winner brian446fsu recommended, securing a part-time job, participating in focus groups, or executing a structured debt relief plan provides far greater financial stability than chasing low-paying online surveys.

The Bottom Line

If you choose to participate in online surveys, stick strictly to free, verified panels (like ACOP, SurveySavvy, Swagbucks), set up a separate email address to manage spam, and NEVER enter credit card information for sponsored trial offers. For meaningful financial relief, explore structured debt counseling or higher-paying part-time opportunities.

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Loretta Kilday, Esq.

Loretta Kilday, Esq.

Debt Relief Specialist & Spokesperson, DebtCC

Loretta Kilday, Esq., is an accomplished litigator and transactional attorney with more than 30 years of experience in consumer finance, debt collection, and credit management. She helps readers navigate side hustles, budgeting, and debt relief strategies.