Can U Get Cash Back On Apple Pay

Swiping & Saving: Can You Get Cash Back on Apple Pay?

Ever found yourself at the checkout, Apple Wallet open, wondering if you're missing out on some sweet, sweet cashback? You're not alone. Let's dive into the world of digital payments and see if we can score some extra dough while we're tapping away.

First Things First: What's Apple Pay?

For the uninitiated, Apple Pay is Apple's answer to mobile payments. It's like having your wallet in your iPhone or Apple Watch. You can use it to pay for stuff in stores, online, and even in apps. But can you get cash back on it? Let's find out.

Cashback: The Basics

Cashback is like getting paid to shop. You buy something, and a percentage of your purchase is refunded to you. It's like finding money in the couch cushions, but way more reliable. There are two main types of cashback: in-store and online.

In-store cashback usually involves using a specific credit or debit card at a participating store. Online cashback often comes from using cashback websites or apps that give you a percentage of your purchase back. But what about Apple Pay?

Can You Get Cash Back on Apple Pay?

The short answer? Yes, but it's not as simple as just using Apple Pay. Here's why:

Apple Pay itself doesn't offer cashback. It's just a way to pay, not a cashback service. But, you can use it with cashback-earning cards and services. Let's break it down.

Can You Get Cash Back With Apple Pay?

Using Cashback Cards with Apple Pay

Many cashback credit and debit cards can be added to Apple Pay. When you use your card with Apple Pay, you'll earn cashback just like you would if you used the physical card. It's a win-win: you get the convenience of Apple Pay and the rewards of your cashback card.

Here are a few examples of cashback cards that work with Apple Pay:

• Citi Double Cash Card: Earns 2% cashback on all purchases - 1% when you buy and 1% when you pay.
• Chase Freedom Unlimited: Earns 1.5% cashback on all purchases.
• Discover it Cash Back: Earns 5% cashback in rotating categories (like grocery stores or gas stations) and 1% on all other purchases.

Cashback Apps and Apple Pay

Some cashback apps also work with Apple Pay. Here's how:

Cashback With Apple Pay | Full Guide

Let's say you want to use the Ebates app (now called Rakuten) to get cashback on an online purchase. You can use Apple Pay to pay for your purchase in the app's checkout. After your purchase, Ebates/Rakuten will give you a percentage of your purchase back, usually within a few days.

Tips for Maximizing Your Cashback

Here are a few tips to help you make the most of your cashback:

• Use the right card for the right purchase. Many cashback cards offer bonus cashback in certain categories. Use them wisely!
• Check for cashback apps or websites before you shop. A quick search could save you money.
• Pay attention to minimum purchase requirements. Some cashback offers only kick in after you've spent a certain amount.

Final Thoughts: It's Not About the Money, Money, Money

While it's fun to find ways to save money, remember that cashback isn't the be-all and end-all. Don't let the pursuit of cashback lead you to overspend or buy things you don't need. Use it as a tool to save money on things you were already planning to buy.

And there you have it! Now you know how to get cash back on Apple Pay. Happy shopping, and happy saving!