Can You Get Cash Back with Apple Pay? Expert Guide & Tips
Can You Get Cash Back with Apple Pay? Expert Guide & Tips
Apple Pay is a convenient way to pay for items without lugging around a bunch of credit or debit cards, but you may be wondering if you can still benefit from your credit card's cash-back rewards if you use a contactless payment method. The great news is that, yes, you can still get cash back if you use Apple Pay with your credit card. In this article, we'll go over everything you need to know about getting cash-back rewards by using Apple Pay.
Things You Should Know
  • As long as the retailer accepts Apple Pay and your card has cash-back rewards activated, you can get cash back with Apple Pay.
  • Most credit cards offer some cash-back rewards, but you may have to set them up when you get the card or once per quarter.
  • Many stores accept Apple Pay, but you can find out if a specific store does by searching "Apple Pay" in the Apple Maps app.

Can you get cash back with Apple Pay?

Yes, you can still get cash-back rewards with Apple Pay. Apple Pay works with the cards that are in your Apple Wallet, and simply works as an intermediary for using your credit or debit cards without needing to tap or swipe the physical card. There are only two prerequisites to getting cash back with Apple Pay: The store must accept Apple Pay as a payment method You must have a cash-back rewards card added to your Apple Wallet

Stores That Accept Apple Pay

Many retailers now accept Apple Pay. As contactless payment methods become more popular, more and more stores will let you use Apple Pay to pay for your items. You can use the Apple Maps app to search Apple Pay to see what stores nearby accept Apple Pay, but below is a selection of stores that accept Apple Pay: Clothing stores such as Aeropostale, American Eagle Outfitters, Foot Locker, J.Crew, Levi's, and Urban Outfitters Department stores like Bloomingdale's, JCPenney, Kohl's, and Macy's Beauty stores like Sephora and Ulta Beauty Fast food restaurants like Chick-fil-A, Dunkin' Donuts, KFC, McDonald's, Pizza Hut, and Subway Quick service restaurants like Chili's, Fuddruckers, Johnny Rockets, and Panera Bread Grocery stores like ALDI, Cub Foods, Meijer, Trader Joe's, Wegmans, Whole Foods Market, and Winn-Dixie Drug stores like CVS, Rite Aid, and Walgreens Gas stations like Chevron, Texaco, and ExxonMobil Entertainment businesses like Carmike Cinemas, Regal Cinemas, and Walt Disney World

Cards With Cash-Back Rewards

Most credit cards offer some cash-back rewards. Some cards offer a flat cash-back percentage on every purchase you make, and some offer different tiers of cash-back rewards depending on what category your purchase is in (such as gas stations, grocery stores, or entertainment). Other cards allow you to select different categories for cash-back rewards that you can change at various intervals. Check with your credit card servicer to see what cash-back rewards are available to you, but below are some examples of cards with cash-back rewards: The Apple Card offers up to 3% cashback on every purchase, which can be deposited into your Apple Cash card or savings account. The Wells Fargo Active Cash card offers unlimited 2% cash rewards on every purchase, regardless of category. The Chase Freedom Unlimited card offers a minimum of 1.5% cash back on all purchases, but some categories earn more: Drugstores and dining earn 3% cash back, and travel purchases earn 5% cash back. The U.S. Bank Cash+ Visa Signature card offers a variety of cash-back bonuses, such as 2% cash back on one category of your choice and 1% cash back on all other eligible purchases.

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