Can You Get Cash Back with Apple Pay?

If you need cashback in the store but pay with NFC technology, you may wonder if you can get cash back with Apple Pay.

The good news is that you can at some stores and restaurants! Here’s everything you need to know about how it works.

Can You Get Cash Back with Apple Pay?

You can get cash back with Apple Pay as long as three things are true:

1. The store you’re at accepts Apple Pay.

According to Apple, 85% of retailers accept Apple Pay today, so it shouldn’t be hard to find one that does, but always check to ensure they do before assuming you can get cash back.

2. The card linked to your Apple Pay account allows cash back.

The debit or credit card linked to Apple Pay must allow its customers to get cash back. This works best with debit cards, but some credit cards allow it, too.

3. The store must offer cash back.

Most major retailers allow you to get cash back at the register, but not all do. If you aren’t sure, contact the retailer to determine if they allow cash back at the register.

How Does Apple Pay Cash Back Work?

Getting cash back with Apple Pay works much like paying with a physical card. Instead of swiping your card, you’ll choose Apple Pay at checkout and utilize no-contact payment.

After linking your card to your Apple Pay account, visit a store that allows cash back. At the checkout, choose Apple Pay for your payment method and select the card that allows cash back.

After confirming the transaction, select your cashback amount and complete the transaction. If approved, you’ll receive the cash completion.

Is Cash Back Available for All Apple Pay Transactions?

To get cash back with Apple Pay, you must have a card linked that allows cash back. Apple Pay doesn’t restrict where or how you get cash back. Instead, the card’s rules determine if you can get cash back at the register.

Using the Apple Card Hack

If you don’t have a debit or credit card to link to Apple Pay, you can link your bank account to an Apple Card. The Apple Card works like a debit or credit card, so you can use it to check out using Apple Pay.

If you need cash back, you can do so, just like you would with a debit card, only this time you’re using Apple Pay.

Pros and Cons

Considering the pros and cons of getting cash back with Apple Pay can help you determine if it’s right for you.


  • Convenient: You don’t have to worry about carrying or losing a physical card.
  • Widely accepted: Many major retailers accept Apple Pay and allow cash back.
  • Safety: Apple Pay encrypts the transaction, making it safer.
  • Earn more cashback: Using your Apple Card, you can earn up to 3% cash back on select purchases.


  • Not available everywhere: Not all stores accept Apple Pay, such as Walmart.

Where Can You Get Cash Back with Apple Pay?

You can get cash back with Apple Pay at most major retailers since most stores accept Apple Pay and allow cash back. Here is a list of where you can expect it.

Apple Store

When you purchase items at the Apple Store, you can earn 3% daily cash back on everything you purchase. This isn’t cash in hand, but you can transfer the earnings to your bank and then withdraw the it or get cash back at the register.

Major Retailers

Many major retailers allow you to use Apple Pay and get cash back, including the following:

  • Costco
  • Target
  • CVS
  • Taco Bell
  • McDonald’s
  • 7-11
  • Dollar General
  • Family Dollar
  • Wawa

Partner Stores

Partner stores are stores Apple Pay works with not only to use Apple Pay but also to earn cash back on your purchases. Partner stores include:

  • Panera
  • Nike
  • Walgreens
  • T-Mobile
  • Exxon Mobil
  • Ace Hardware

Online Purchases

Many retailers accept Apple Pay even for online purchases. While you can’t get physical cash back on your purchase, you may earn 1% – 3% cash back on your purchase that you can transfer to your bank account.

Certain ATMs

You may be able to get cash back at some ATMs using your Apple Wallet, not Apple Pay. Citibank and Bank of America are the most popular banks allowing this option.

What Can You Redeem Apple Card’s Cash Back For?

You can use your Daily Cash from the Apple Card however you want, including:

  • Transfer to your Apple savings account to earn interest
  • Deposit it into your Apple Cash account for payments or to send to friends or family
  • Transfer to your external bank account

How to Use Apple Pay at an ATM for Cash Back

To use Apple Pay at an ATM for cash back, the bank must accept contactless payments. You’d then withdraw funds from your bank account like you would if you used the physical card.

Instead of inserting your card, you hold your phone near the ATM and enter your PIN. You then enter the necessary information to receive your cashback.

Limitations and Considerations

The limitations of getting cash back with Apple Pay depend on the retailer and financial institution. For example, Walmart, one of the country’s largest retailers, doesn’t accept Apple Pay.

Others that do may have limits as to how much cash you can get. The regulations also vary by country.

Frequently Asked Questions

Getting cash back with Apple Pay is possible, and it will likely get even easier as time passes. Here are some more questions about it.

How Do You Get Cash Off Apple Pay?

To get cash back using Apple Pay, you must go to a retailer or partner that accepts Apple Pay and allows cash back at the register. If these things are true, it’s easy to get cash back like you would using the physical card.

Can You Get Cash Back With Apple Pay Without a Card?

The point of Apple Pay is to be able to pay without using your card. You shouldn’t need it to pay as long as you’ve properly linked the card to your Apple Pay account.

Does Using Apple Pay Affect Your Credit Score?

Apple Pay doesn’t affect your credit score directly. However, if you link a credit card to it and don’t use it properly, that credit card use could affect your credit score.

Is There a Limit to the Amount of Cash Back I Can Get With Apple Pay?

Each store and credit or debit card has limits regarding how much cash back you can get with Apple Pay. Check with the store before checking out to determine the limits.


You can get cash back with Apple Pay at many retailers. While 85% of the country’s retailers accept this payment method, the cashback rules vary significantly.

To get cash back with Apple Pay, first, ensure the store you’re going to accept Apple Pay and that they allow cash back.

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