Can You Get Cash Back With Apple Pay?

As the digital revolution marches on, the convenience of technology consistently invades every corner of our lives, making various tasks easier, quicker, and more efficient.

The cashless trend is a notable front-runner in this transformation, providing novel solutions such as Apple Pay to our payment needs.

But does this heralded innovation have an answer to a pertinent question – can you get cash back with Apple Pay? We will unravel this conundrum in the following sections.

Unraveling Apple Pay: A Swift Glance

Before we delve deeper, it is vital to grasp the fundamental characteristics of Apple Pay.

Essentially, it is a mobile payment service offered by Apple Inc., allowing users to make payments using their Apple devices, revolutionizing the world of digital wallets.

This service provides a secure, private method to pay in stores, within apps, and online using Safari.

Yet, amid the convenience and security it offers, the question persists, can you get cash back with Apple Pay?

The Cash Back Conundrum: Can Apple Pay Deliver?

Contrary to a popular misconception, Apple Pay is not a credit card but a mode of transferring your payment from your credit or debit card through your Apple device.

It does not inherently have a cash back function like a traditional debit card transaction at a point of sale.

So, the straightforward answer to the question – “Can you get cash back with Apple Pay?” is no. However, this is not the end of our exploration.

Navigating the Nuances: Credit Cards & Cash Back

Although you can’t get cash back directly with Apple Pay, the story doesn’t end there. You see, the crux lies within the credit card linked to your Apple Pay account.

Numerous credit cards offer cash back rewards for purchases, meaning the more you use your card, the more rewards you accrue.

If your Apple Pay is connected to such a credit card, by extension, you are receiving cash back benefits via Apple Pay.

Harnessing Rewards: Apple Card and Apple Cash

Apple’s financial products, the Apple Card and Apple Cash, bring a new dimension to our discussion. The Apple Card is a credit card that gives daily cash back rewards to your Apple Cash card.

While the Apple Card is used like any other credit card, its rewards system is unique. Instead of monthly or annual cash back rewards, it provides them daily, adding an extra layer of immediacy and convenience to the user experience.

This is not traditional cash back at the point of sale, but it’s a similar concept that rewards users for their purchases.

Hence, while you can’t get cash back directly through Apple Pay, there are other ways to get cash benefits from using the service.

Strategic Spending: Leveraging Apple Pay for Cash Back

Now, you might be asking, “how do I maximize my cash back potential with Apple Pay?” The answer lies in strategic spending.

By using a cash back credit card linked to Apple Pay, and using your Apple Pay for purchases whenever possible, you can maximize your cash back potential.

Some credit cards offer additional cash back for purchases made using mobile wallets like Apple Pay. Taking advantage of these bonuses and offers can significantly increase the cash back you receive.

The Fine Print: Understanding Terms and Conditions

While cash back credit cards and the Apple Card offer substantial rewards, it’s crucial to read and understand the fine print.

Not all purchases may qualify for cash back, and there could be caps or limits on the amount of cashback you can earn.

Make sure you understand the terms and conditions of your card to maximize your cash back earnings.

Conclusion: The Bottom Line on Apple Pay and Cash Back

So, can you get cash back with Apple Pay? In the traditional sense of receiving cash back at the point of sale during a transaction, no. However, Apple Pay does facilitate indirect ways of obtaining cash benefits.

By utilizing a cash back credit card or the Apple Card, you can receive rewards for your spending. Although not a direct cash back function, these methods do offer you a monetary return, maximizing the convenience and value of Apple Pay.

Frequently Asked Questions

Q1: Can I get cash back directly with Apple Pay?
No, Apple Pay doesn’t have a built-in cash back function like some debit cards do at the point of sale.

Q2: How can I get cash back benefits with Apple Pay?
By linking a cash back credit card or the Apple Card to your Apple Pay, you can receive cash back rewards for your spending.

Q3: Can I increase the cash back I receive with Apple Pay?
Yes, by strategically using your Apple Pay for purchases and using a cash back credit card that offers additional benefits for mobile wallet purchases, you can maximize your cash back earnings.

Photo of author



A heavy gamer, there's nothing that Faith loves more than spending an evening playing gacha games. When not reviewing and testing new games, you can usually find her reading fantasy novels or watching dystopian thrillers on Netflix.

Read more from Faith


Apps UK
International House
12 Constance Street
London, E16 2DQ