Can You Get CashBack With Apple Pay in 2023?   

Can You Get CashBack With Apple Pay in 2023?   
Can You Get CashBack With Apple Pay in 2023?   

Apple Pay offers various contactless and digital ways to pay for goods and services, but are we losing the convenience of cashback with cardless payments or can you get cashback with apple pay?

The great thing is that you don’t lose; you can still get cashback with Apple Pay.  In fact, sometimes the reward can be even higher through Apple Pay compared to using a physical card at checkout.

What is Apple Pay?

Apple Pay is one of the most widely used payment platforms in the United States and around the world.  Apple Pay uses NFC (Near Field Communication) technology, which allows users to pay for things without touching anything, otherwise known as contactless payment. 

Unlike traditional payment systems, Apple Pay does not transfer your bank details directly to the provider.  Instead, Apple Pay creates a unique digital token using encryption, which is then used to purchase goods.  This makes Apple Pay great for transaction simplicity and security.

This digital wallet is important for users of various commercial establishments because it does not require the use of credit or debit cards to make payments.  It is also an application compatible with devices such as iPhone or iPad manufactured by Apple.

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How Does Apple Pay Cashback Work?

Apple Pay cash back can be used to pay for physical goods and services in stores, as well as digital content and services from apps.

Apple Pay uses Near Field Communication (NFC) technology built into Apple devices, as well as Touch ID and Face ID security features.  This is similar to other mobile payment services such as Android Pay and Samsung Pay.

You can earn 3% cash back with Apple Pay when you make purchases with your Apple Card at Apple (Apple Store,, App Store, or iTunes) and at select partners like Nike, Panera Bread, Walgreens, Mobil, T-Mobile, Exxon Mobils, etc.

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Can You Get Cashback With Apple Pay in 2023?   

Not all vendors offer cash back, and not every provider that does offer cash back will accept Apple Pay, and Apple Pay does not provide cash back beyond what your credit or debit card provides. 

The only way to get cash directly from Apple is with an Apple Card, which gives you up to 3% on Apple Pay purchases at select retailers (and 1% everywhere else).

But not only can you get cashback with Apple Pay on every purchase, you can also get all the benefits of using a credit or debit card.  It’s the perfect way to save money and balance small expenses.  All you have to do is add the card to your wallet and use it at any store.  It’s that simple!

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Why Does Apple Pay Offer Cashback?

A cashback offer is a great way to encourage customer loyalty.  Something innate in the human brain gives people an extra dopamine hit when they receive cash from someone.  For that matter, the same thing happens when people do whatever they enjoy or find rewarding.

At least this is how popular psychology portrays the situation.  It may be overly simplistic and generalized, and it may make psychologists research them wince, but this popular image fits most people’s experiences quite well. 

I mean, not only can you buy your favorite item, but you can also get cash back!  This is twice as much as the dopamine-sensitive areas of the prefrontal cortex and nucleus accumbens.

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How To Add a Card to Apple Pay

You just need to set up a debit, credit or prepaid card in the Wallet app on your iPhone.  If you want to make purchases using other devices, you need to add your card to each individual gadget.

Apple Pay is currently compatible with iPhone, iPad, Apple Watch and Mac.

  • For your iPhone: In the Wallet app, tap the + symbol in the upper right corner to add the selected card.
  • For your iPad: In Settings go to Wallet & Apple Pay and tap to add a card.
  • For Apple Watch: Open the Apple Watch app on your iPhone and tap Wallet & Apple Pay.  Then tap to add a card.
  • For Mac devices: If your computer has Touch ID, choose System Preferences, then Wallet & Apple Pay and tap to add a card.

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How To Use Apple Pay App From An ATM

ATM withdrawals are only available at select US banks.  The service is offered by Bank of America, Capital One, Citibank, Citibank, American Express, Perseguir, Barclays and United States Bank.

This is how you can get cash at ATMs:

  • Check if your credit or debit card details are linked to the Wallet app.
  • Approach ATMs with an Apple Pay or contactless payment symbol.
  • Go directly to the Apple Pay Wallet option from your mobile device.  Now tap the Apple Pay symbol on the ATM with your mobile device.
  • The next step will allow you to confirm your request through the Touch ID or Face ID systems.
  • You can enter the PIN code of the registered card in the Wallet application.  The system will not always ask for this information.
  • Continue the procedure from the ATM.  You will have to complete each of the necessary steps to get your money.


If you plan to use Apple Pay frequently, an Apple Pay Card is a great advantage.  There’s no difference between an Apple Pay card and a regular credit card, which is great for making purchases wherever you shop.

With a payment card, you can also earn cash back on qualifying purchases and products, even if your Apple Pay card can’t be used.  Unlike other types of cards, the Apple Pay card is unlimited and provides cash back through a deposit to your Apple Wallet.

Once deposited, you can spend it any way you like.  Your Apple Card also allows you to make monthly payments for the purchases you make. Keep in mind that your Apple Pay card can be used on its own or with a debit/credit card linked to it.  Here’s how you can use it where Apple Pay isn’t offered.

Can You Get CashBack With Apple Pay FAQs

Can Apple Pay Help Increase Your Credit Score?

Unfortunately, Apple Pay cannot help you improve your credit score.  However, there are other ways to improve it by paying off loans and lowering your utilization ratio.  In the United States, credit scores are used to determine how much money you can borrow.  Try to pay your debt on time every month.

Do All Vendors Accept Apple Pay?

Apple is already quite common among vendors in the United States.  This does not mean that all vendors will accept Apple Pay.  How do I know if a company accepts Apple Pay?  Before entering a store, make sure that the vendor actually accepts Apple Pay.  An easy way to do this is to check online or call the store before you go.  However, if you don’t have time for that, be sure to ask the store or look at the cash register to see if they have the Apple symbol near the cash register.

Why Use Apple Card?

The Apple Card comes with no annual fee and offers 3% cash back on Apple Pay purchases at select merchants, 2% cash back on all other Apple Pay purchases and 1% cash back when using a physical card.

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