Can You Get Cash Back With Apple Pay? What to Know

andresr / iStock.com

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

Apple Pay has revolutionized the way people pay, making transactions faster, safer and completely contactless. Whether you’re shopping at your favorite store, grabbing coffee, or paying online, Apple Pay offers seamless payment experiences–but what about cash back?

If you’ve ever used cash-back credit cards or debit cards with cash withdrawal perks, you may be wondering: Can I get cash back with Apple Pay?

The answer is yes — but it depends on a few key factors. In this guide, we’ll break down how Apple Pay cash back works, how to earn the most rewards, and where you can actually get physical cash using your iPhone.

How Apple Pay Cash Back Actually Works

When people ask, “Can you get cash back with Apple Pay?”, they usually mean one of two things:

1. Earning cash-back rewards on purchases made using Apple Pay.
2. Getting physical cash back at checkout or withdrawing money from an ATM.

Let’s dive into both so you know exactly what to expect and how to maximize your benefits.

1. Earning Cash-Back Rewards With Apple Pay

If you have a credit card or debit card that offers cash-back rewards, you’ll be happy to know that Apple Pay transactions count just like regular card purchases.

How It Works

• When you use Apple Pay with a cash-back credit card, your purchase qualifies for rewards exactly as if you swiped your physical card.
• Some credit cards even offer extra rewards for using Apple Pay instead of a physical card.
• Your earned cash back is credited to your account just like any other purchase.

Best Credit Cards for Cash Back With Apple Pay

If you want to maximize your cash-back rewards, consider using one of these top-rated cash-back credit cards:

• Apple Card – Get 2% Daily Cash back on every purchase made with Apple Pay and 3% back at select retailers like Walgreens, Uber and Nike.
• Chase Freedom Unlimited® – Earn 1.5% cash back on all purchases, no matter where you shop.
• Discover it® Cash Back – Rotating 5% cash-back categories (when activated), plus 1% on all other purchases.
• Capital One Quicksilver – Flat 1.5% cash back on every purchase, every day.

To maximize your rewards, set your highest cash-back card as your default Apple Pay payment method in your iPhone’s Wallet app.

2. Getting Physical Cash Back With Apple Pay

If you’re considering getting actual cash back at a store, the process is slightly different. Cash back at the register is only available when you use a debit card — not a credit card.

How to Get Cash Back With Apple Pay at Stores

To withdraw cash while making a purchase, follow these steps:

1. Check if the store offers cash back. Ask the cashier or look for signage near the register.
2. Make sure you’re using a debit card linked to Apple Pay. Credit cards will not work for this.
3. Hold your iPhone or Apple Watch near the payment terminal and complete the transaction as usual.
4. When prompted, select “Debit” and enter your PIN (if required).
5. Choose the cash-back amount, complete your purchase, and collect your cash.

Stores often have cash-back limits — usually $10, $20 or $50 per transaction — so don’t expect to withdraw large sums.

Stores That Offer Cash Back With Apple Pay

Several major retailers allow cash back when using a debit card with Apple Pay:

Grocery Stores

• Kroger
• Publix
• Albertsons
• Trader Joe’s

Retail & Drugstores

• Target
• Walgreens
• CVS
• Rite Aid

Gas Stations

• 7-Eleven
• Chevron
• Shell

Big-Box Retailers

• Walmart (via Walmart Pay)
• Sam’s Club (with a linked debit card)

Search the web for “Apple Pay” to find nearby stores that accept it.

3. Withdrawing Cash From an ATM Using Apple Pay

Want to get cash from an ATM without your debit card? You’re in luck! Many NFC-enabled ATMs allow you to withdraw money using Apple Pay.

How to Withdraw Cash From an ATM Using Apple Pay

1. Find an ATM that supports contactless withdrawals (look for the NFC symbol).
2. Open your Apple Wallet and select your debit card.
3. Hold your iPhone or Apple Watch near the contactless symbol on the ATM.
4. Follow the on-screen instructions, enter your debit card PIN and select the amount to withdraw.

Banks That Support Apple Pay ATM Withdrawals

• Bank of America
• Chase
• Wells Fargo
• Citi
• U.S. Bank
• Capital One

Not all ATMs are NFC-enabled, so double-check before heading out if you need cash.

Final Thoughts to GO: Is It Worth Using Apple Pay for Cash Back?

Apple Pay is one of the easiest ways to pay, and if you use the right credit or debit card, you can maximize cash-back rewards and even withdraw cash without a physical card.

Here’s what to remember:

• Use a cash-back credit card to earn rewards on everyday purchases.
• Withdraw money at NFC-enabled ATMs if you need cash without a debit card.
• Make sure the store allows cash-back on debit card purchases before trying it.

Apple Pay offers security, convenience and savings — making it a smart choice for anyone looking to get the most out of their spending. Ready to tap, pay, and earn?

Information is accurate as of Feb. 26, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Share This Article: