You can get cash back with Apple Pay in two main ways: at stores that offer debit card cash back and accept Apple Pay at the terminal, and through rewards “cash back” (like Apple Card Daily Cash) that you later move to your bank.

How cash back with Apple Pay works

  • Physical cash at checkout
    • You must use a debit card in your Apple Wallet; register cash‑back at the register does not work with credit cards.
* The store must both accept Apple Pay and offer cash back on debit purchases; the terminal then treats your Apple Pay payment like a normal debit card.
  • Rewards cash back (Apple Card, etc.)
    • With Apple Card in Apple Pay, you earn up to 3% Daily Cash at Apple and select partners, and lower percentages elsewhere.
* You can send this Daily Cash to your bank or Apple Cash, then withdraw it as real cash or use it for purchases.

Common places you can get cash back

Actual cash back at the register generally works anywhere that:

  1. accepts Apple Pay, and
  2. already offers debit cash back.

Typical categories and examples:

  • Grocery stores
    • Many chains allow cash back with Apple Pay‑linked debit, such as Kroger, Publix, Albertsons, and Trader Joe’s where supported.
* Policies differ by location, so a quick “Do you do debit cash back with Apple Pay?” at the checkout helps.
  • Retail & drugstores
    • Target, Walgreens, CVS, Rite Aid, Dollar General, Family Dollar, and similar chains may allow cash back when using a debit card via Apple Pay.
* Some stores periodically run extra rewards promos for paying with Apple Pay or specific cards.
  • Gas stations & convenience stores
    • Stations like Chevron, ExxonMobil, Shell, 7‑Eleven, Wawa, and some local convenience stores accept Apple Pay and may allow cash back if you go inside and pay as debit.
* At the pump, you usually won’t get physical cash back; you just earn card rewards instead.
  • Big‑box & partner stores
    • Major retailers such as Costco, Target, and some Walmart/Sam’s setups can support Apple Pay or a similar wallet flow and offer debit cash back at checkout, depending on store and terminal.
* Apple’s own partner list for 3% Daily Cash includes merchants like Apple Store, Nike, Walgreens, T‑Mobile, Exxon Mobil, and Ace Hardware, where you earn extra reward “cash back.”

ATMs and Apple Pay

  • Some large banks’ contactless ATMs (for example, Bank of America and Citibank in many areas) let you withdraw cash using the debit card in your Apple Wallet.
  • You tap your iPhone or Apple Watch at the ATM’s contactless symbol, authenticate, and then use the machine as if you inserted the physical debit card.

Quick tips before you go

  • Use a debit card in Apple Pay if you want cash in hand at checkout; credit cards only give you rewards, not register cash back.
  • Ask the cashier “Do you do cash back with Apple Pay debit?” since policies vary even inside the same chain.
  • Look for the contactless symbol on ATMs and payment terminals; if your bank supports wallet withdrawals, that’s often the fastest way to turn your balance into cash.

Information gathered from public forums or data available on the internet and portrayed here.