How to Earn Free Cash Back With Apple Pay

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How to Earn Free Cash Back With Apple Pay

Everyone appreciates some cashback from our favorite brands and services. And while you may have immersed yourself in Apple products, you may not be aware that you can get cashback in three ways from using Apple Pay. You can receive cashback when you:

  1. Make a purchase using the Apple Credit Card
  2. Buy something using a credit card linked to your Apple Pay account
  3. Purchase an item using a linked debit card

However, consistently earning cashback through Apple and other apps and services can be a bit tricky. Fortunately, DoNotPay can help you earn the most money possible from your everyday purchases.

How Do Cashbacks Work?

Companies offer cashback rewards programs to attract new customers to use their credit cards. Some companies also offer cashback when you make a purchase with a debit card linked to their service. For example, if you link your debit card to a service like Apple and make a purchase, you can earn cashback. They also use cashback rewards to retain existing customers by rewarding them for their continued loyalty.

Cashbacks differ significantly from cash advances. A cash advance is a loan provided to a credit card user in cash that usually has a higher interest rate than a credit card's normal APR. You're also usually assessed a fee that typically ranges between 3 and 5 percent of the advanced amount when receiving a cash advance.

Don't Companies Lose Money on Cashback Rewards Programs?

At first glance, it may seem like cashback rewards programs could cost credit card companies money or at least reduce their profit margin. But these programs usually don't offer unlimited cashback rewards for all purchases. Many restrict the rewards to purchases made at specific stores. And most, if not all, cap the amount of cashback you can earn each year.

Additionally, the cash you get back comes from merchant fees. When a store accepts your credit card, they have to pay a fee to the credit card, known as a merchant fee. The merchant fee is usually a flat percentage of the transaction amount. When you earn cashback, the credit card company typically shares some of the merchant fees with you.

If you're using your card more to earn cashback rewards, you're probably generating more merchant fees than you might have otherwise done. So, that increased activity likely means that the credit card company is making enough money off the merchant fees you generate than the cash it's giving back. And even if they aren't, they earn considerable revenue from high-interest rates and late fees for missed payments. Unless you pay off your balance each month, your credit card company will make more money off you than from merchant fees.

How Do I Get Apple Pay Cashback With the Apple Credit Card?

To get cashback using the Apple Credit Card, you first need to apply for and receive the Apple Credit Card. To do so requires you to have a good credit score, though it's possible if you have a fair score above 600, your application may be approved. Once you have received your Apple Credit Card, you'll simply need to use it. Apple Credit Card users are entitled to the following cashback rewards:

  1. 3% on Apple purchases
  2. 2% cashback when you use the card in conjunction with Apple Pay (however, that falls to 1% if the store does not accept Apple Pay)
  3. 1% on any other purchase

Whenever you use your Apple Credit Card, you'll find your rewards deposited in the Apple Wallet app. You can pay for items using this cash or transfer the money to your bank account.

How Can I Get Cashback From Apple Pay With My Own Credit Card?

You can also earn cashback rewards simply by linking your existing credit card to Apple Pay. Now, not all credit cards work with the Apple service. But it is compatible with many major credit card issuers. Some of these cards offer even more generous cashback rewards than the Apple Credit Card:

Credit CardCashback Rewards
Blue Cash Preferred Credit Card from American Express
  • 6% back at U.S. supermarkets and some streaming services
  • 3% back on transportation and gas
  • 1% back on other purchases
Blue Cash Everyday Card from American Express
  • 3% back at U.S. supermarkets
  • 2% back on gas and U.S. department store purchases
  • 1% back on other purchases
Capital One Savor Rewards Card
  • 4% cashback on entertainment and dining
  • 2% back at grocery stores
  • 1% back on other purchases
Chase Freedom Flex
  • 5% back on purchases in different categories that change each quarter
  • 3% back at drugstores and restaurants
  • 1% back on other purchases
U.S. Bank Altitude Reserve Visa Infinite Card
  • 3% back on all ApplePay purchases and purchases made through mobile wallets
Wells Fargo Active Cash Card
  • 2% cashback on eligible purchases

How Do I Get Apple Pay Cashback With My Debit Card?

You may also be able to get using your debit card. However, you can only do so if the following three conditions are met:

  • You can add/link your card to your Apple Pay account.
  • The store you're purchasing items from must accept Apple Pay as a payment method.
  • The store must also offer cashback on purchases.

Not all stores accept Apple Pay or provide cashback. However, you can find out by checking with the store directly whether it does.

Getting Apple Pay Cashback on Your Own

The easiest way to get cashback is using the credit card you know will always offer cashback from Apple Pay-assisted purchases: the Apple Credit Card. But first, you need to apply and be approved for the card. And if your application is rejected, you'll need to shop around for another card that also offers rewards.

Whether you can find a card that specifically offers cashback for purchases using Apple Pay or not, the most important thing is finding the best credit card offer with the highest cashback rewards and best terms. But there are many credit card programs with rewards programs out there. You could find yourself browsing online for hours and finally select a card that isn't truly the best offer available.

Use DoNotPay to Get Apple Cashback and Other Cashback Rewards

If you're going to get a new credit card, you want the best offer available, not one with high fees and interest that eat into your cashback rewards. And there are so many credit cards and the app offers on the table it may be hard to keep them straight. Plus, your credit score will take a hit if you apply for several at once. You want to be sure you're applying for the best option before clicking "Submit" on a credit card application form.

DoNotPay can help. All you have to do is:

  1. Search for Cash Back on the DoNotPay website.

  2. Kick-off the process to find the right app or website for you.

  3. Answer some specific questions so that we can help you start making money!

You'll receive credit card offers with the best cashback rewards options on the market, including those that offer . And you won't have to sort through endless offers trying to find the right one.

Why Use DoNotPay?

DoNotPay makes searching for the best cashback rewards as simple as possible. And we can help with a range of other challenges like getting cashback from gift cards, finding missing money, or handling parking tickets. Are you stressed about bills? DoNotPay can help with that too!

DoNotPay is ideal if you're in the market for a credit card with the best cashback rewards program, even if you don't use Apple Pay. Whether you're looking for cashback options from major credit card companies like Discover and Citi, Fortune 500 companies like Walmart, or other payment apps like PayPal, DoNotPay is the best option for you.

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