Apple Pay first hit the market in 2014. With the popularity of an Apple product, it’s no surprise that it’s another hit. Apple is a safe and secure way to trade. Customers use Apple Pay to pay in stores. Many stores in the US accept payments via Apple Pay. But with cardless payments, have we lost the convenience of earning cashback? The great thing is you can still get cashback with Apple Pay.

What is Apple Pay?

Owning an iPhone device allows you to own an app called Apple Wallet.

Having this wallet will save your credit/debit card-related information.

You can pay with your device as long as you save the information.

Before making a payment, you just need to log in to your payment account with your password.

You can also log in with Touch ID and place it on the reader so it accepts payments.

This is great when a contactless payment is to be made.

The good thing is that there are no limits when it comes to payments unless the retailer sets an amount limit.

By choosing a card in your wallet, you are free to decide which type of card to use.

You can also set a preferred card.

Regardless of the device used, they will all use the same technology, Communication (NFC).

This technology will allow payments to be processed.

With this technology, Apple devices and card readers can communicate with each other.

It’s nice that you don’t pay for things you don’t want.

How Apple Pay Cashback Works

If you plan to use Apple Pay a lot, the Apple Pay card is a huge plus.

Apple Pay is no different than a regular credit card, and it’s a great place to shop no matter where you shop.

With a payment card, you can also receive cash back on qualifying purchases and products, even when an Apple payment card isn’t available.

Unlike other types of cards, the Apple Pay card is unlimited and can provide cash back by depositing into your Apple Wallet.

Once deposited, you can spend it any way you like.

Your Apple Card also allows you to pay for purchases each month

Remember, your Apple Pay card can be used on its own or via a debit/credit card link.

That’s how to use Apple Pay in places that don’t offer it.

Is Apple Pay Secure?

To protect the security of personal information, Apple implements tokens.

With tokens, your information is saved and then assigned random letters and numbers to identify payment information.

It is worthless as a token, and when it does fall into someone else’s hands, there will be no access to payment information. or card number.

It also cannot be converted back to its original state.

If your device is lost, you can easily hold payments so you don’t need to cancel your debit or credit card.

Also Read: Does Whole Foods Take Apple Pay?

Can You Get Cashback with Apple Pay?

Yes, you can get cash back with Apple Pay. Some stores offer cash back when you pay with Apple Pay. All stores do not accept Apple Pay as it is not included in their store policy, but most stores in the US accept Apple Pay.

Many stores that accept Apple Pay offer cash back. Most likely, customers will receive 1-6% cash back, depending on the total payment.

Some stores offer discounts and incentives for using Apple Pay as a payment method. If your bank offers some cash back for paying by card, you can get cash back with Apple Pay.

How Much Cashback you can Get with Apple Pay?

In most cases, customers will only receive 1% cash back when paying with Apple Pay. If you pay with American Express and Apple Pay, you can receive roughly 5% higher cash back.

How To Get Cashback From Apple Pay?

Customers can use the Apple Card to get cash back. Whenever a customer makes a purchase from the store, they can swipe an Apple Card to get cash back in their Apple Pay account. If the store accepts Apple Pay, they’ll get cash back.

Customers can also earn cashback by connecting their credit or debit card with an Apple Pay account. You must attach your card details to your Apple Pay account. When you pay at the counter, you will receive cash back via American Express.

Conditions to Receive Apple Pay Cashback

After meeting these conditions, customers can get cashback.

• Customers must link their debit card with an Apple pay account, or they must use an Apple card.
• If the store accepts payments via Apple Pay, they can get cash back in the US.
• Customers can get cash back only if the store offers the cash.

How Do You Add a Card to Apple Pay? 

Adding a card to Apple Pay is easy when using Google Pay.

You just need to set up a debit, credit, or prepaid card on the Wallet app on your iPhone.

If you want to use another device to make purchases, you’ll need to add the card to each gadget.

Apple Pay is currently compatible with iPhone, iPad, Apple Watch, and Mac.

For your iPhone: In the Wallet app, tap the + symbol in the upper right corner to add a card of your choice.

For your iPad: In Settings, go to Wallet & Apple Pay and tap Add Card.

For Apple Watch: On iPhone, you need to open the Apple Watch app, and tap Wallet and Apple Pay. Then click Add Card.

For Mac devices: If your computer has Touch ID, select System Preferences, then Wallet & Apple Pay, then click Add Card.

Conclusion

You can use Apple Pay to receive cash back when shopping at a store, provided the store offers cash back, the store accepts Apple Pay as a form of payment, and your credit or debit card needs to be actively linked to your Apple Pay account. Apple Pay has no restrictions on cash back.