How To Get Apply Pay Cash Back Near Me? Full Guide

How To Get Apply Pay Cash Back Near Me 1

By 2023, electronic payments have become one of the main means of payment for people’s daily travel. The main reason is because of the convenience of paying for orders.

With the popularity of Apple products, Apple Pay is gradually being accepted by people. But as savvy consumers, we shouldn’t miss out on the cashback rewards for every purchase. So is there any cashback for paying with Apple Pay? What is the rebate rate? This is the main focus of today’s discussion.

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What is Apple Pay?

Apple Pay is a digital wallet platform pre-installed on iPhone and other Apple devices for secure purchases in stores, apps, and online. You can link your credit or debit card to Apple Pay for quick payment purposes. So how does Apple Pay work to get cashback? There are 3 things you need to know.

Apple Pay is just a digital wallet and does not offer cash back.

The primary way to use Apple Pay as a payment method that offers cash back is with your credit or debit card. Apple Pay is only a digital wallet tool and cannot provide cashback itself. In other words, you can use your credit or debit card directly to get cash back as well.

Apple Pay can be linked to any credit card.

Your Apple Pay doesn’t have to be linked only to an Apple Card. You can link it to any other credit card you have.
To find out which credit card issuers work with Apple Pay, click here.

Apple Pay won’t change merchant categories.

Using Apple Pay doesn’t change the cashback rates merchants offer for that credit card. For example, if you have a credit card that earns 5% on shopping at Walmart, and you link your credit card to Apple Pay and use Apple Pay to pay, you will also get a 5% cashback reward.

How To Get Apply Pay Cash Back Near Me 1

Where can I get cashback rewards for Apple Pay?

To get cash-back rewards with Apple Pay, stores need to accept Apple Pay as one of the payment methods. Fortunately, more than 85% of stores across the U.S. accept Apple Pay. If you don’t know whether the store supports Apple Pay, you can ask the customer service center in advance or see the Apple Pay symbol at the cash register.

The following are the cashback reward rates for Apple Card;

  • 1% cash back on everything else

Get 1% cash back on purchases made with the Apple Card

  • 2% cash back on other Apple Pay purchases

Shoppers who shop with Apple Card through Apple Pay get 2% cash back every day.

  • 3% cash back at special merchants

Apple Card also offers 3% cash back on purchases made with Apple Pay at the following businesses;

  • Buy at Apple (iPhone, Mac, iPod, etc.)
  • Master
  • Exxon Mobil
  • Nike
  • TMobile
  • Uber/Food
  • Duane Rhett
  • Panera Bread
  • Walgreens

Remember, merchant offers are subject to change at any time. So it’s worth checking out the latest Apple Card 3% category before you buy with the card. If you often shop in the designated 3% of merchants, then having an Apple Card with no annual fee is a good choice.

How to Maximize Your Cash Back Using Apple Pay?

There are a few other ways you can maximize your cash back

1. Actively use cash-back apps for in-store and online purchases. Check out our list of the best cash-back apps. Whether you’re buying physical or virtual goods, cashback apps can give you an extra 2%-5% cash back (this depends on the merchant, and some merchants can go as high as 108% cashback.)

2. Fluz app (read Fluz app review) can provide discount gift cards for various retail stores. But instead of paying for gift cards, Fluz prefers to buy transaction codes. You can combine Fluz and Apply Pay when paying, and you will get an additional discount of 1%-4%.

3. Don’t lose your shopping receipts. Check out our list of 4 apps that use your shopping receipts for cash back. When you take photos and upload your shopping receipts in the app, you will get an extra 1%-3% cashback. Just take 1 minute of your time.

How To Get Apply Pay Cash Back Near Me 2

How can I get Apple Pay cash back near me?

First, you need to set up Apple Pay with the card. All you need to do is set up your debit, credit, or prepaid card in the Wallet app on your iPhone. Apple Pay is currently compatible with iPhone, iPad, Apple Watch, and Mac. Apple Pay supports most credit cards.

When you use Apple Card as payment, Apple Card’s cash back rewards are automatically added to your Apple Cash account in the form of cash. You can find this account in the Wallet app. When the Apple Card has accumulated to a certain amount, you can use it to shop or transfer money.

How to Redeem Your Apple Card Cash Back Rewards?

When you get Apple Card cash back rewards, you can redeem rewards in a variety of ways, usually the following 4 methods;

  • Shop with Apple Pay
  • Send money by message
  • Transfer money to your bank account
  • Pay off the balance

Apple Card cash back rewards do not expire, which means that if you don’t want to use your Apple Card cash back rewards in the short term, you can always store cash in your digital wallet. Using Apple Pay can also make interest-free purchases of other Apple products without having to pay the full amount at the time of purchase.

Does Apple Pay allow cash withdrawals at ATMs?

Most ATMs do not allow Apply Pay cash withdrawals, but ATMs with Apple Pay symbols or NFC symbols support cash withdrawals using Apple Pay. If you find a similar ATM nearby, you can withdraw cash through the following steps:

  1. Open Apple Wallet and select the corresponding debit card
  2. Tap your phone at the ATM and verify your identity
  3. Enter the required information at the ATM
  4. Some ATMs may require a PIN

That’s it. You can now withdraw funds. But I personally don’t think it is necessary to do this, you only need to redeem or use Apple Pay cash rewards on your phone.


If you’re a loyal Apple customer who makes frequent purchases with the brand and already use Apple Pay, the Apple Card, and its rewards program might be a good fit for your spending habits. But don’t forget the extra stack cashback app usage, you may have more options to save money.

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