Can You Get Cash Back With Apple Pay? (3 Things to Know)

Earning cash back with Apple Pay is similar to earning it with a physical card, but there are a few things to be aware of. 

If you’re wondering whether you can get cash back with Apple Pay, here’s what you need to know:


Apple Pay does not provide cash back over and above what your credit or debit card provides. The only way to receive cash back directly from Apple is by using the Apple Card, which gives you up to 3% back on Apple Pay purchases.


Because Apple Pay is a digital wallet rather than a credit or debit card, you earn whatever rewards you would earn with your linked payment card.


Using Apple Pay doesn’t impact the merchant category code. Your purchase isn’t categorized any differently than it would be if you were paying with a physical card.

So if you have a credit card that earns 5% cash back at grocery stores and you use Apple Pay at checkout, you’ll still earn 5%.

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