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In this post, we are going to answer can you get cash back with Apple Pay and how to earn more cash back in 2022.
I have also written a detailed post on 128 Restaurants That Take Apple Pay, How to Get 2% Cashback in 2022– you can read it if you are interested.
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Can You Get Cash Back with Apple Pay? How to Earn More 
What is Apple Pay?
While the answer for Can You Get Cash Back with Apple Pay is a Yes, lets start with some basics about Apple Pay.
Why Use Apple Pay?
Why use Apple Pay?
- Apple Pay is Secure
- You do not have to touch any physical buttons of any device
- Apple Pay is offering 2% cashback on all purchases
What is Apple Pay Cash Back?
Apple Pay Cash back is rewards (in corm of cash) that Apple Pay is providing customers for using Apple Pay service.
Apple Pay is a relatievly new entrant to payment space so Apple Pay is trying to capture more market share by providing users with cash back on every successful transation on the platform.
How Much Cashback Can You Expect When Using Apple Pay
How Much Cashback Can You Expect When Using Apple Pay depends on many factors including your purchase history and how frequently you use Apple Pay.
Most Apple Pay Users have reported a cashback of around 1-2% when using Apple Pay and this is what you can expect too.
However, Apple officially claims to provide 1-6% cashback on Apple Pay but it depends on location, store and other factors such as offers available at the time.
Terms and Conditions for Receiving Apple Pay Cashback
There are some terms and conditions that you need to fulfil to be eligible for Apple Pay Cashback.
These terms and conditions include:
- User has to use Apple Card or link a valid debit/credit card when using Apple Pay.
- Apple Pay cashback is credited only for in-store purchases in the U.S where payment mode is Apple Pay.
- The store has to offer Apple Pay cashback to be eligible for Apple Pay.
What this means is that you need to check before whether the store does offer Apple Pay cashback before you complete the billing and also meet the other terms and conditions to recieve Apple Pay cashback.
Does Most Restaurants and Outlets Take Apple Pay
Yes, most restaurants and outlets in the U.S Does Take Apple Pay. Like how restaurants and outlets accepts all major credit cards such as American Express, Visa, MasterCard, debit cards, gift cards and some select vouchers, Apply Pay is also getting accepted across the country.
Do note: As of 2022, Paypal is not accepted at most restaurants and outlets.
How to Check & Confirm if Local Outlet Does Takes Apple Pay
If you want to confirm if local outlet you are visiting really does take Apple Pay, here is a way to confirm without having to call the store.
Step 1: Open Apple Maps
Step 2: Choose the local outlet you want to go
Step 3: Check “Useful to Know” and look for Apple Pay Logo/ information that store Accepts Apple Pay.
How to Use Apple Pay at Local Stores
To Use Apple Pay at your local store, all you have to do is tell the cashier that you will be using Apple Pay for completing the billing.
The cashier would then make the billing accordingly and ask you to hold you device against the payment machine to complete the payment.
Steps to Use Apple Pay At Your Local Store
- Shop as normal at your local store (with your Apple Pay already set up)
- At time of billing, inform the attendant you are using Apple Pay
- Hold your Apple Device against the payment/reader machine to make the payment using Apple Pay
- Tap on Approve Payment and your payment is Done
Benefits of Using Apple Pay at Your Local Store
If you use Apple Pay along with Apple Card, you can earn a daily cashback of 1-6%% on the value of your purchase. This Daily Cash is actual cash and not reward points given by normal credit card companies and this cashback earned does not expire.
You can use this Daily cash to make purchases in stores, make payment on websites or in-app purchases.
Also, Apple Pay and Apple Card do not charge any hidden fees while making the transactions and you get cashback which is a better deal compared to credit cards.
Another benefit is that you do not need to touch any physical buttons to complete your payment.
Benefits of Using Apple Pay at Your Local Store:
- Daily cashback of 2%
- No hidden fees
- No need to touch physical buttons
You can apply for Apple Card using this official link: https://www.apple.com/apple-card/
How Much Cashback Can I Get Using Apple Pay
As of now, you can get 2% cashback when paying with Apple Pay at most local stores.
There is no limit to how much cashback you can get, so you can use Apple Pay along with Apple Card as much as possible to accumulate your cashback.
Does Gas Stations and Restaurants Take Apple Pay & Should You Use?
Yes, most Gas Stations and Restaurants does take Apple Pay and you should use Apple Pay as much as possible because Apple Pay is now offering 2% cashback on all purchases (unlimited) and Apple Pay provides the convenience of securing your data and eliminates the need to touch physical buttons of payment machines.
You can accumulate cashbacks daily and if you are a frequent shopper, this accumulates to lot of money and there is no processing fees or hidden charges for using Apple Pay.
Frequently Asked Questions about Can You Get Cash Back with Apple Pay
What stores have Apple Pay?
Apple Pay works with almost all major U.S. retailers including Walgreens, McDonald’s, Target, 7-11, KFC, Staples, Office Depot, Chevron, Ross Stores, Best Buy, Bloomingdales, GameStop, Dunkin Donuts, Costco, Taco Bell, Disney, Best Buy and many more.
Can you get cash back with Apple Pay purchases?
Yes, you can get anywhere between 1-6% cashback with Apple Pay purchases.
Can I use Apple Pay at ATM?
Yes, you can use Apple Pay at ATM that has NFC technology in the machines.
How do I withdraw money from Apple Pay without my card?
- You need to have Apple Pay linked to your bank account.
- Check if the ATM accepts Apple Pay (NFC technology)
- Open Apple Pay App
- Authenticate via Face ID or Touch ID.
- Enter ATM Pin code
- Use the ATM to complete your transaction
Can you get cash back with Apple Pay at CVS?
No you cannot.
What stores does not accept Apple Pay?
- Kroger (Accepts Kroger Pay)
- Sam’s Club
- Gordon Food Service
Can you use Apple Pay at ATM?
Yes, you can use Apple Pay at Cardless ATMs
What’s the limit of Apple Pay?
The maximum Apple Cash balance you’re allowed to have after verifying your identity is $20,000.
Can you tap in and out with Apple Pay?
Yes you can tap in and out with Apple Pay
Where can I withdraw money using Apple Pay?
You can withdraw money using Apple Pay at all cashless ATMs