Earns.io

SIDE BY SIDE

Put two or three platforms side by side

Pick the ones you are actually choosing between. The same questions get asked of each, the answers come off the company's own pages, and every figure carries the day we read it.

Places that pay youThings you build on

Ten questions about whether the money reaches you, asked of each one.

Set your country and every row that publishes a country rule gets marked with whether it accepts you. Nothing is removed and nothing moves.

2 PLATFORMS · 10 QUESTIONS · 8 ANSWERED BY ALL

You picked one, so a second column was added to give it something to sit next to. Change it above.

Swagbucks
Ibotta

Can you even be here

Where you can sign upIs my country on the list at all?
SwagbucksIs it available in my country?Swagbucks is live in most countries in the Americas, Europe and Asia. Available in some countries in Africa and always looking to continue expanding.source · checked 2026-09-11
IbottaWhere it worksUnited States and Puerto Rico onlysource · checked 2026-09-06 · read the page
Where you can be paidTwo lists, and they are not always the same one.
SwagbucksWho is eligible to use www.swagbucks.com?Residents of the United States and its territories, Ireland, France, Germany, Australia, New Zealand, India, Canada, Spain, Portugal and the United Kingdom are eligible to redeem Rewardssource · checked 2026-09-11
IbottaUnited States onlyUnited States only. A withdrawal needs a verified phone number, and a number based outside the US cannot be verified.source · checked 2026-09-07
Minimum ageHow old do I have to be, and is it higher for some offers?
SwagbucksCan Teenagers Use Swagbucks?13. Swagbucks encourages minors 13 or older to seek a parent or guardian's permission before registering, and under-13 accounts are restricted under COPPAsource · checked 2026-09-11
IbottaMinimum age18, and 21 for offers on alcoholsource · checked 2026-09-06 · read the page

Getting the money out

What you are paid inCash, or something that is only spendable in one place?
SwagbucksWhat is Swagbucks.com?SB points, where 100 SB = $1.00, redeemed for cash via PayPal or for gift cards to stores like Amazon, Walmart and Targetsource · checked 2026-09-11
IbottaBank, PayPal or gift cardsBank transfer, PayPal or digital gift cards. Cash is paid directly, so there is no points currency and no gift-card-only lock-in.source · checked 2026-09-07
Ways to get paidIf the one method fails, is there a second one?
SwagbucksHow do I Verify and Redeem for PayPalPayPal, which must carry exactly the same name and email as the Swagbucks account and be confirmed by a bank account, or electronic gift cards; the tax page also lists bank depositssource · checked 2026-09-11
IbottaBank payoutLinked through Plaid, up to 5 business dayssource · checked 2026-09-06 · read the page
Minimum payoutHow much must pile up before they let go of it?
SwagbucksHow do I get my prize money if I win?You can redeem your SB for cash or gift cards with as few as 300 SB, and at 100 SB = $1.00 that floor is $3source · checked 2026-09-11
IbottaMinimum withdrawal$20.00source · checked 2026-09-06 · read the page
Fee taken out of the payoutWhat is deducted that the payout page does not mention?
SwagbucksWe have not checked this one yet
IbottaWithdrawal feeNone published for bank, PayPal or gift cardsource · checked 2026-09-06 · read the page
Time from earning to money in handThe whole chain, not the speed they advertise for the last step.
SwagbucksWhere is the Reward I ordered?Allow up to 10 business days for rewards such as electronic gift cards and PayPal transfers to be sent; SB from shopping is itself only awarded 32-75 days after the purchasesource · checked 2026-09-11
IbottaPayPal payoutWithin 2 hours, 1 to 3 business days at peak, mobile app onlysource · checked 2026-09-06 · read the page

Keeping what you earned

How a balance can be lostDoes it expire, get charged rent, or vanish if I go quiet?
SwagbucksDeactivation reasonsNo expiry rule is stated. The balance goes with the account, and Swagbucks deactivates accounts for more than one account per person, unnatural searching or clicking, bots or software designed to defraud it; a reward not verified within 7 days is refunded back to the balancesource · checked 2026-09-11
IbottaAccount maintenance fee$3.99 a month, or the balance if it is smaller, after 180 days without qualifying activitysource · checked 2026-09-06 · read the page

Who is on the hook

Who is legally on the hookWhich company, and does it publish anything about whether it can pay?
SwagbucksWe have not checked this one yet
IbottaOperating companyIbotta, Inc., 1400 16th Street, Suite 600, Denver, Colorado 80202, SEC CIK 1538379source · checked 2026-09-06 · read the page

There is no winner at the bottom of this table

Nothing here gets added up. A score would have to decide that these questions weigh the same for everyone, and they do not. A lower cash-out bar is better if you need the money this month and worse if it arrives as a gift card you cannot spend on rent. One payout method is fine right up until it is the one that does not work where you live.

The rows worth your attention are usually the ones where the columns disagree about whether to answer at all. A platform that publishes its fee and a platform that does not are not two platforms with different fees. One of them has told you, and you can hold them to it.

Rows marked as not checked are about us, not about them. They mean nobody here has gone looking yet, and they stay visible for that reason. Found a figure that has moved? Tell us, and it gets a new source and a new date rather than a quiet edit.

ALL PLATFORMS