How to Get Money Off of Apple Pay: Exploring Cashback Opportunities, Budgeting Tips, and Gift Card Management


Apple Pay is a convenient and secure way to make purchases, but getting money off of the app can be challenging. If you’ve ever wondered how to get cash from Apple Pay, you’re not alone. This article will explore various strategies for accessing your funds, maximizing rewards, and managing your budget using Apple Pay. Whether you’re new to the app or a seasoned user, this guide will help you get the most out of your digital wallet.

Exploring Cashback Opportunities on Apple Pay

One of the benefits of using Apple Pay is access to cashback deals and rewards. Here are some ways to take advantage of these opportunities:

Credit Card Offers

Many credit card companies offer cashback rewards for using their cards with Apple Pay. Typically, you’ll earn a percentage of your purchase as a credit to your account. For example, if your card offers 2% cashback on all purchases, you’ll receive $2 for every $100 spent. Other cards offer rotating categories or bonus rewards for certain merchants or types of purchases. Be sure to check your credit card’s terms and conditions to see what rewards are available.

Some credit cards that offer cashback on Apple Pay include:

  • Chase Freedom Unlimited
  • Discover it Cash Back
  • Citi Double Cash
  • Bank of America Cash Rewards
  • Capital One Quicksilver

Cashback Apps

Cashback apps are another way to earn money for using Apple Pay. These apps work by offering cashback opportunities through participating merchants. For example, you might receive a 5% cashback offer for making a purchase at Walmart with Apple Pay. These offers can change frequently, so it’s worth checking your app regularly to see what’s available.

Some apps that work well with Apple Pay include:

  • Rakuten
  • Ibotta
  • Dosh
  • Drop
  • Honey

In-store Cashback

Finally, some retailers offer in-store cashback for using Apple Pay to make purchases. For example, Walgreens sometimes runs promotions where you can earn store credit for using Apple Pay. Similar offers can be found at other retailers, so it’s worth keeping an eye out for these promotions.

Using Apple Pay for Budgeting

Apple Pay can also be a useful tool for budgeting and financial planning. Here are some tips for using the app to stay within your budget:

Setting Spending Limits

One way to stay within your budget is to set spending limits on your Apple Pay account. To do this, go to your Wallet app, select your card, and click “Spending Limits”. From here, you can set a limit for the day, week, or month. If you reach your limit, you won’t be able to make any more purchases until the limit resets.

Some tips for staying within your budget include:

  • Set realistic limits that align with your income and expenses
  • Track your spending throughout the month to stay on top of your budget
  • Consider setting limits for each category of spending (e.g., groceries, entertainment, clothing)

Tracking Purchases

Another way to stay within your budget is to track your purchases using Apple Pay and budgeting apps. Most credit card companies and budgeting apps offer transaction tracking, so you can see exactly where your money is going. This can be helpful for spotting trends in your spending and making adjustments as needed.

Some budgeting apps that work well with Apple Pay include:

  • Mint
  • Personal Capital
  • You Need A Budget (YNAB)
  • Quicken
  • Expensify

Managing Gift Cards on Apple Pay

If you receive gift cards or credits through Apple Pay, here are some tips for managing them:

Adding and Redeeming Gift Cards

To add a gift card to Apple Pay, simply go to the Wallet app, click the “+” button, and follow the prompts to enter your gift card information. To redeem a gift card, simply use Apple Pay like you would for any other purchase at the participating merchant.

Some tips for using gift cards to supplement your budget include:

  • Use gift cards for everyday purchases (e.g., groceries, gas) to stretch your budget further
  • Save gift cards for large purchases (e.g., electronics, travel) to help offset the cost
  • Consider swapping gift cards with friends or family if you receive one that you won’t use

Tracking Gift Card Balance

To check the balance of your gift card on Apple Pay, simply go to the Wallet app and select your gift card. From here, you can view your current balance and transaction history.

Some helpful resources for managing gift cards on Apple Pay include:

  • Gift Card Granny
  • Raise
  • Cardpool
  • Gift Card Zen

Maximizing Credit Card Rewards on Apple Pay

In addition to cashback rewards, some credit cards offer points or miles for using Apple Pay. Here’s how to get the most out of your rewards:

Earning Points for Purchases

To earn points on your credit card for using Apple Pay, simply make purchases as usual at participating merchants. You’ll earn points or miles at the same rate as you would for using your physical card.

Some credit cards that offer points or miles on Apple Pay purchases include:

  • Chase Sapphire Preferred
  • American Express Gold
  • Citi Premier
  • Capital One Venture
  • Wells Fargo Propel

Redeeming Rewards

Once you’ve earned rewards on your credit card through Apple Pay, you can redeem them for a variety of benefits. For example, you might be able to use them for travel, merchandise, gift cards, or statement credits. Check your card’s rewards program for details on how to redeem your rewards.

Some examples of the best ways to use rewards include:

  • Redeeming for travel through your card’s portal or transfer partners for maximum value
  • Using rewards for statement credits to offset your credit card bill
  • Redeeming rewards for gift cards to stretch your budget further

Selling Unused Gift Cards or Credits

If you have unused gift cards or credits on Apple Pay, you might be able to monetize them by selling them online or through a third-party resale site. Here’s what to keep in mind:

Explanation of How to Monetize Unused Gift Cards or Credits

There are several online marketplaces and apps that allow you to sell unwanted gift cards or credits for cash. Typically, you’ll need to enter your card information and verify the balance before listing it for sale. Once your card sells, you’ll receive a percentage of the value as payment.

Suggestions for Selling Gift Cards or Credits Online or through a Third-party Resale Site

Some popular options for selling gift cards or credits include:

  • Cardpool
  • Gift Card Granny
  • Raise
  • CardCash
  • Gameflip

Legal and Ethical Considerations to Keep in Mind

Before selling your gift cards or credits, be sure to read the terms and conditions of the site or app you’re using. Some platforms have restrictions on which cards can be sold, or may charge fees or commissions for the transaction. It’s also important to be transparent about the value of the card and any restrictions that apply.


Getting money off of Apple Pay doesn’t have to be difficult. With the right strategies and tools, you can access your funds, maximize rewards, and manage your budget with ease. Whether you’re looking to earn cashback on your purchases, track your spending, or monetize unused gift cards and credits, Apple Pay has a solution for you. So why wait? Start taking advantage of these tips and see how much you can save with Apple Pay.

Final Thoughts and Recommendations

Using Apple Pay can be a great way to simplify your finances and save money.

Webben Editor

Hello! I'm Webben, your guide to intriguing insights about our diverse world. I strive to share knowledge, ignite curiosity, and promote understanding across various fields. Join me on this enlightening journey as we explore and grow together.

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