How to use apple credit card cash back

Table of Contents Show

How to view per-transaction rewards for Apple Card cashback
How to view your Apple Cash card and withdraw
About the Author
Chance Miller
Chance Miller's favorite gear
How much cash back do you get with Apple Card?
How to use Apple Cash on iPhone?
How do I redeem my Apple Pay Cash Rewards?
How does the Apple credit card work?

While Apple Card might not be the most lucrative card in terms of rewards, where it shines is ease of use – especially when it comes to cashback. Here’s how to track, manage, and spend Apple Card cashback.

All of the cashback you earn with Apple Card is deposited directly onto your Apple Cash card. You’ll get a deposit at the end of everyday, accounting for the transactions that took place and/or posted since the last deposit. That money can then be transferred to your bank account, or you can redeem cashback as credits to your Apple Card statement.

Apple makes it explicitly clear how much each of your transactions earns in terms of Apple Card cashback. Here’s the breakdown from Apple:

Get 3% back on everything you buy from Apple, whether you buy it at an Apple Store, apple.com, the App Store, or iTunes. That includes games, in‑app purchases, and services like your Apple Music subscription and iCloud storage plan.
Get 2% back every time you buy something using Apple Pay. That’s in every category, with no limits. Imagine all the things you use a credit card for every day — at Target, Walgreens, Lyft. You’ll get 2% back on just about everything.
If you happen to come across a store, website, or app that doesn’t take Apple Pay yet, use your titanium Apple Card to get 1% of those purchases back in the form of Daily Cash.

How to view per-transaction rewards for Apple Card cashback

Open the Wallet app
Tap your Apple Card
Look under the “Latest Transactions” list, here you’ll see the % cashback earned
Tap a specific transaction
You’ll see a small “+$” beneath the transaction total indicating the total Apple Card cashback credited

How to view your Apple Cash card and withdraw

Open the Wallet app
Tap the “Apple Cash” card
Under “Latest Transactions” you’ll see Daily Cash deposits
Tap the three dots in the upper-right corner
Tap “Transfer to Bank”

What do you think of Apple’s system for managing Apple Card cashback? Is it something you’d like to see other card companies imitate? Let us know down in the comments.

Learn more about Apple Card in our full guide right here. For more help with getting the most out of your Apple devices, check out our how-to guide as well as the following articles:

Apple Card: How to manage bank accounts used for payments
Apple Card: How to download PDF versions of your monthly statements
How to change Siri voice feedback volume on iPhone, iPad, Mac, and Apple Watch
Apple Card: How to view your card number in the Wallet app
How to get Siri to say names right on iPhone, iPad, and Mac
How to make Siri smarter with family relationships
How to remove iOS configuration profiles on iPhone or iPad
How to silence iPhone calls without sending directly to voicemail
How to restore default iPhone settings without erasing your data
Here’s what all the iPhone status bar icons mean

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About the Author

Chance Miller

@ChanceHMiller

Chance is an editor for the entire 9to5 network and covers the latest Apple news for 9to5Mac.

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Chance Miller's favorite gear

How much cash back do you get with Apple Card?

Apple Card gives you unlimited 3% Daily Cash back on everything you buy from Apple — whether it’s a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+. You also get unlimited 3% Daily Cash back on purchases you make at select merchants when you use Apple Card with Apple Pay.

How to use Apple Cash on iPhone?

1 Launch the Wallet app on your iPhone. 2 Tap your Apple Card. 3 Tap the black Pay button. 4 Choose an amount to pay by sliding the circular dial with your finger. 5 Tap Pay Now. 6 Tap your bank account. 7 Toggle the Apple Cash switch to the green ON position. 8 Tap the Back button. More items...

How do I redeem my Apple Pay Cash Rewards?

Your Daily Cash Rewards on your Apple Pay Cash Card can be redeemed by transferring it to your bank account, used to pay friends through iMessage through Apple Pay, used as a regular Apple Pay payment card, or even applied towards paying off your Apple Card.

How does the Apple credit card work?

The Apple Card promises the opportunity to earn cash back on everything you buy, including Apple purchases–and all without any fees. However, the cash back you earn with this card works a little differently than you would expect from a traditional rewards credit card.