Apple Pay Logo
Apple Pay Logo

Yes, you can get cash back with Apple Pay. To do this, you need to use a debit or credit card linked to your Apple Pay account that offers cash back, and the store you’re shopping at must accept Apple Pay and offer cash back. Apple Pay users can earn between 2-3 percent cash back on their purchases at stores that support Apple Pay and offer cash back services. By linking a cash-back credit or debit card to your Apple Wallet, you can use your iPhone, Apple Watch, or iPad to pay and receive your rewards instantly. This makes Apple Pay not only convenient but also rewarding. As more stores accept contactless payments, the opportunity to earn cash back with Apple Pay continues to grow.

Using Apple Pay for Cash Back: What You Need to Know

Cash Back with Apple Card

If you have the Apple Card, you can earn cash back on every purchase made with Apple Pay. You get 2% Daily Cash back on all purchases made with Apple Pay, and up to 3% Daily Cash back at select merchants. This cash back is automatically deposited into your Apple Cash card, which you can then use for purchases, send to friends, or transfer to your bank account.

Cash Back at Retailers

Some retailers may offer cash back when you use Apple Pay at checkout. This is similar to how you might get cash back when using a debit card. However, not all retailers offer this option, so it’s best to ask the cashier before completing your transaction. Some stores that have been known to offer cash back with Apple Pay include Walgreens, CVS, and Whole Foods.

Cash Back with Apple Cash

You can also use your Apple Cash card to get cash back at ATMs. This requires a small fee, but it can be a convenient way to access cash if you don’t have your physical card with you.

Cash Back Options with Apple Pay

MethodRequirementsHow it Works
Apple CardMust have an Apple Card2% Daily Cash on all purchases, up to 3% at select merchants. Cash back deposited into Apple Cash card.
Retailer Cash BackRetailer must offer the optionAsk cashier before completing transaction. Cash back usually given in cash or as a credit on your purchase.
ATM Cash BackMust have Apple Cash card and enough balanceWithdraw cash from an ATM using your Apple Cash card. Fees may apply.

Key Takeaways

  • Apple Pay allows cash back at stores that support it and offer cash back.
  • Users can earn 2-3 percent cash back on purchases.
  • Linking a cash-back card to Apple Wallet is required for this benefit.

Understanding Cash Back with Apple Pay

Cash back with Apple Pay offers a convenient way to earn money on purchases. It involves using linked credit or debit cards that provide rewards for transactions.

How Cash Back Works

Cash back rewards are a percentage of the amount spent. For instance, if a transaction qualifies for 2% cash back, you earn 2 cents for every dollar spent. Apple Pay acts as a middleman, using the linked credit or debit card’s cash back program. The linked card’s rewards are the key to earning cash back.

Setting Up Apple Pay for Cash Back

To get started, add a credit or debit card to Apple Wallet. Ensure the card offers cash back rewards and is set up for Apple Pay. Follow these steps:

  1. Open the Wallet app.
  2. Tap the plus sign to add a card.
  3. Follow the on-screen instructions to add the card.

Use Apple Pay at participating retailers to start earning rewards.

Apple Card and Daily Cash Back

The Apple Card offers unique daily cash back features. With Apple Pay, users can earn 3% Daily Cash at partner stores like Walgreens and Nike. Other purchases via Apple Pay earn 2%, while the physical card earns 1%. Daily Cash is added to Apple Cash and can be used for more purchases or transferred to a bank account.

Retailers and Stores that Offer Cash Back

Not all stores provide cash back with Apple Pay. Verify that the store accepts Apple Pay and offers cash back. Common places include grocery stores, gas stations, department stores, and restaurants. Notable retailers include:

  • Walgreens
  • Duane Reade
  • Nike
  • T-Mobile
  • Uber
  • McDonald’s
  • Exxon Mobil
  • Panera Bread
  • Ace Hardware
  • Trader Joe’s

By using Apple Pay at these stores, users can enjoy cash back rewards seamlessly.

Frequently Asked Questions

To get cash back with Apple Pay, you need to follow specific steps and make sure the store supports the required features. The following sections answer common questions on this subject.

How can I obtain cash back at a retail store when paying with Apple Pay?

To get cash back, use Apple Pay with a debit card linked to your Apple Wallet. At the register, request cash back, often up to specific limits set by the store.

Are there specific retail locations where I can receive cash back while using Apple Pay?

Yes, certain stores offer this service. Major retailers like supermarkets and big-box stores often allow cash back with Apple Pay, provided they support contactless payments and cashback services.

Is it possible to receive cash back at an ATM using Apple Pay?

Yes, but only if the ATM supports contactless transactions. You’ll need to use a debit card linked to Apple Wallet and follow the ATM’s instructions for contactless use.

What is the process for getting cash back with Apple Cash at a store?

For Apple Cash, ensure Apple Cash is enabled in your Wallet app. When checking out, inform the cashier you want cash back. Follow any store-specific steps to complete the cash back process.

Can cash back be processed during a contactless payment transaction with Apple Pay?

Yes, cash back can be obtained during a contactless transaction if the store allows it and your debit card is linked in Apple Wallet. Simply request the cash back amount before completing the payment.

What steps should be followed to use Apple Pay at a cash register for cash back?

First, inform the cashier you want cash back. Use your iPhone or Apple Watch to complete the Apple Pay transaction. Select the debit card linked to your Apple Wallet and follow prompts to get cash back.

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