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Can You Get Cash Back With Apple Pay?

Ever wondered if you can get cash back with Apple Pay? Let’s look at all the important aspects of receiving extra cashback with Apple Pay.

You can get cash back benefits with Apple Pay if the store or retailer supports Apple Pay. Stores have different cash back limits unique to retailer chains and store policies. You can get 2 percent cash back per transaction when you purchase with an Apple Card, up to 3 percent at selected stores.

Cashback counts as receiving cash in your hand or getting cash back for your purchases. They can be a great boon when we make frequent purchases, and Apple is well aware! 

Apple Pay caters to both of these benefits, and we’ll explore them to see whether you are eligible and how you can benefit from them. 

Can You Get Cash Back With Apple Pay?

Since its inception, Apple Pay has become a reliable payment method, making cardless transactions quick and straightforward. In fact, you can ask to receive cash back from selected stores, and you can get cash back for purchases made at certain stores with Apple Pay. 

The ability to withdraw cash at a retail store with Apple Pay relies on the store rather than Apple Pay itself. Every retailer has different policies that dictate their cash-back services. 

For instance, Walgreens only permits you to get cash back when you purchase with a debit card and not a credit card. If your Apple Pay wallet does not contain a debit card, you won’t be able to withdraw cash at Walgreens. Furthermore, the transaction amount must be at least $0.01. 

However, Walgreens has a partnership with Apple that will net you a 3 percent cash back reward if you paid with an Apple Card. As long as their Apple Card links to their iPhone or Apple Watch, they can use those devices to receive the 3 percent cash back reward.

Shopping at stores that do not have an agreement with Apple will instead yield a 2 percent cash back reward. As for receiving money in hand, the maximum cashback you can get from Walgreens is $20. 

Furthermore, it’s also possible to get cash from an ATM by using Apple Pay. You can know if an ATM is eligible for this service if you see pictures representing an apple followed by the word pay or a picture indicating contactless or wireless services.  

Which Stores Offer Cash Back With Apple Pay?

Most businesses and retailers in the US accept Apple Pay as a viable payment option. Popular stores where you can get cash back with Apple Pay include:

  • Target
  • Walgreens
  • Costco
  • IKEA
  • Starbucks
  • Publix
  • Whole Foods
  • Office Depot
  • Dunkin Donuts
  • 7-11

How Do You Get Cash Back With Apple Pay?

Getting cash back is straightforward as most stores share similar methods. To get cash back, you can make a request at one of the cashiers or visit a self-checkout counter

When you inform a cashier that you want cash back, they might ask whether you want to use a debit card or check or another method – say that you want to use Apple Pay. 

As mentioned before, not all stores have the same policies and withdrawal limits, so ask the cashier if they haven’t already told you. Afterward, they will process your request. 

If you decide to visit a self-help counter to get cash back, ensure that the store supports Apple Pay or ask an employee for clarification. Otherwise, here’s a general run-down of what to do: 

  1. Visit your nearest retailer that supports Apple Pay cash back.
  2. Select at least one item to purchase. (Remember that some stores may even require a minimum purchase of $35, so make sure to ask!)
  3. Take your item(s) to the self-checkout counter.
  4. Scan your item(s).
  5. Open your Wallet app to access your debit card.
  6. Hold your Apple Device to the reader so that it can register your debit card. (Older machines may ask you for your PIN).
  7. When the screen displays the option for cash back, select “Yes.”
  8. Enter the cashback amount that you want.
  9. When you enter an amount within the store’s limit, you will receive your cashback.

Which Stores Give Cash Back Rewards For Purchases?

If you have an Apple Card and want to maximize your financial returns, consider shopping at selected merchants. They offer a maximum of 3 percent cash back on every purchase and include the following merchants:

  • Exxon
  • T-Mobile
  • Duane Reade
  • Panera Bread
  • Walgreens
  • Ace Hardware
  • Nike
  • Uber Eats
  • Mobil
  • Uber

At every other store where you pay with a connected Apple Card, you’ll receive 2 percent cash back instead. 

How Does The Apple Card Work?

The Apple Card assumes the role of a credit card on your iPhone in the Wallet app. You’ll be able to look at all your transactions, payments, and account details from the Wallet app, plus you can pay from there, too. 

Using an Apple Card eliminates fees you would typically pay with a regular debit card, and it has less interest. When you make a purchase, its advanced technology allows you to use Face ID, Touch ID, and Apple Pay to authorize your transactions. Of course, you also get cash back for every purchase you make. 

When you purchase using Apple Card, you get a percentage of your purchase back in Daily Cash. Unlike rewards, it never expires or loses value since you receive actual cash back. Furthermore, your money gets deposited straight onto your Apple Cash card in the Wallet app instantaneously without a waiting period. 

Lastly, there’s no limit to how much cash back you can get in one place. You’re free to buy goodies from stores, websites, and apps. If you need to make a payment on your Apple Card, pay off a debt to a friend, or send the money directly to your bank account, you can do that, too!  

You Can Get Cash Back From An ATM With Apple Pay

The days of forgetting your wallet at home are long gone – withdrawing money from the ATM using Apple Pay is quick and straightforward! 

To start, ensure that the ATM you want to withdraw money from has the two compatible symbol indicators mentioned earlier: an apple with the word pay and a picture of a hand holding a card with a wireless signal.

  1. Open the Wallet app (Pro Tip: You can also access Apple Pay by hitting your iPhone’s power button twice)
  2. Verify your ID either through Touch ID or Face ID
  3. Place and hold the back of your device against the picture of the hand holding a card until you hear your iPhone make a sound.
  4. After the sound, your iPhone will register and process the transaction
  5. Enter the sum of money you want and your passcode on the ATM keypad
  6. Choose if you want a receipt and whether you want a printed copy or email
  7. Take your cash from the ATM


Apple Pay enables you to get cash back at stores where Apple Pay is available. If you pay with an Apple Card, you’ll get 2 percent cash back on every transaction, up to 3 percent with selected stores.