Apple Pay has revolutionized the way we pay for goods and services.
Becoming one of the most popular contactless payment options available, we’ve come to rely on it the same way we would physical debit and credit cards.
However, one of those important features that physical cards offer is cash back while shopping at stores.
Therefore, that has left some people wondering – can you get cash back with Apple Pay, and if so, how is it done?
In this article, we’ll cover everything that you need to know!
Can You Get Cash Back With Apple Pay?
It is possible to get cash back with Apple Pay, as long as cash back and Apple Pay are both offered at the store, and you have a debit or credit card linked to your Apple Pay account.
Note that Apple Pay has no restrictions in regards to cash back, but each store may have its own policy for what is and isn’t allowed, as well as total limits on how much cash back that you’re able to receive.
In a sense, cash back with Apple Pay is no different than using a physical debit or credit card. If it’s offered by the store, you will be able to request it – as long as Apple Pay is accepted as well.
However, taking advantage of cash back offers is a great way to hold some additional, physical cash on hand in case you need it.
What Are The Requirements To Receive Cash Back Using Apple Pay?
The full list of requirements are as follows. Note that all of these must be met – if even one of them isn’t, then you will be unable to receive cash back while using Apple Pay at the store.
First, the store must offer Apple Pay. Thankfully, most stores these days do, and you can view a large list of stores that accept Apple Pay by clicking here.
While this list isn’t complete, you’ll find that a wide variety of stores accept Apple Pay as a payment method – including grocery chains, retail big box stores, gas stations, and even restaurants.
Secondly, the store must also offer cash back at the register. If you aren’t able to get cash back using a normal credit or debit card, you will be unable to request cash back using Apple Pay as well.
Finally, you must have a debit or credit card linked to your Apple Pay account. Because the money is being pulled from your account in order to receive it as cash, you must have a verified payment method on file with Apple Pay. Additionally, the card must be active – deactivated or expired cards will not work.
What Stores Allow Cash Back?
Below, you’ll find a list of example stores that allow cash back using Apple Pay.
Note that the exact amount allowed varies depending on the store. While some stores only allow you to request as little as $20 in cash back, others allow as much as $100.
Of course, while out on a shopping trip you may be able to request cash back at two or more of these stores:
- Casey’s General Store
- Dollar General
- Dollar Tree
- Family Dollar
- Fred Meyer
- Kum & Go
- Kwik Trip
- Sam’s Club
- Save Mart
- Trader Joe’s
- Whole Foods
Of course, this list is not complete. Additionally, because some of these companies are franchised, it’s possible that the decision to offer cash back may be up to the individual location, rather than being a company-wide policy.
Therefore, you may wish to call ahead of time to see if the store does indeed offer cash back with purchases.
Can You Withdrawal Money From An ATM With Apple Pay?
Now that we know that you’re able to use Apple Pay for cash back, you may be wondering – does Apple Pay also work with ATMs? Will you be able to use Apple Pay to withdrawal cash even if you don’t have your physical card present?
Fortunately, the answer is yes.
More and more ‘cardless’ ATMs are popping up around the world, allowing you to interact with the ATM and withdrawal cash using contactless methods. A few example banks that have them include Wells Fargo, Citibank, and Bank of America.
However, this functionality is not supported everywhere.
Therefore, you will need to check whether or not the ATM you intend to use is cardless and supports Apple Pay, as it really is a case-by-case basis.
Thankfully, more major retail stores (such as Target) are providing ATMs at their locations, meaning you may not have to go all the way to the bank to find out!
Apple Pay can be used to receive cash back, as long as you are requesting it at an eligible store and have a card linked to your account.
In a nutshell, the thing to remember is this – if the store supports Apple Pay and also offers cash back to users of physical debit and credit cards, it can also be used to receive cash back with Apple Pay.
I hope that you’ve found this article helpful. If you have any questions about using Apple Pay in stores, please ask them using the comment form below.
Thanks for reading,
– James McAllister