alt: a person holding a coin in their hand
title: Cash back rewards
Meta Description: Discover how to earn 3% Daily Cash back with Apple Card and Apple Pay. Learn practical tips and strategies to maximize your cash back rewards and optimize your payment methods for greater savings.
Introduction
In today’s financial landscape, maximizing every dollar spent is more important than ever. Cash back rewards have become a popular way to earn a percentage of your purchases back, enhancing your overall savings. Among the leading options available, the Apple Card paired with Apple Pay stands out by offering an impressive 3% Daily Cash back on purchases at select merchants. This guide will explore how you can leverage these rewards to boost your savings effectively.
What is Daily Cash?
Daily Cash is the Apple Card’s unique rewards program that returns a percentage of your purchases as cash back. Unlike traditional credit card rewards that accumulate and are typically paid out monthly or annually, Daily Cash provides immediate rewards that are accessible every day.
When you use your Apple Card for purchases, a portion of the transaction amount is automatically added as Daily Cash to your Wallet app. There’s no cap on the amount you can earn, making it a powerful tool for consistent savings.
How to Earn 3% Daily Cash with Apple Pay
To take full advantage of the 3% Daily Cash back rewards, follow these simple steps:
-
Set Up Apple Card as Your Default Payment Method:
– Open the Wallet app on your iPhone or iPad.
– Select your Apple Card and make it your default payment option for Apple Pay. -
Use Apple Pay at Eligible Merchants:
– Shop at participating merchants that offer the 3% Daily Cash back when you use Apple Card with Apple Pay.
– Ensure that you are using Apple Pay for the transaction to automatically receive the rewards. -
Track Your Rewards:
– Monitor your Daily Cash earnings directly in the Wallet app.
– Choose where to allocate your rewards, whether to a Savings account, Apple Cash, or as a statement credit.
Top Merchants Offering 3% Cash Back
Several key merchants partner with Apple Card to provide enhanced cash back rewards. Here are some of the top options:
Ace Hardware
- Where to Shop: acehardware.com, participating Ace Hardware stores, or the Ace Hardware app.
- Rewards: Earn 3% Daily Cash on eligible purchases using Apple Card with Apple Pay.
Booking.com
- Where to Book: Use the exclusive Booking.com Apple Card link for stays and car rentals.
- Rewards: 3% Daily Cash on eligible prepaid bookings.
ChargePoint
- Where to Charge: Use the ChargePoint app or contactless payment at qualifying ChargePoint charging stations.
- Rewards: 3% Daily Cash on electric vehicle charging and home charger purchases.
Exxon™ and Mobil™ Gas Stations
- Where to Fuel: Pay at the pump using Apple Pay via the Exxon Mobil Rewards+™ app or at the store.
- Rewards: 3% Daily Cash on fuel, convenience store, and car wash purchases.
Nike
- Where to Shop: nike.com, Nike stores, or the Nike app.
- Rewards: 3% Daily Cash on all eligible purchases.
Uber and Uber Eats
- Where to Ride and Dine: Use the Uber or Uber Eats app with Apple Card and Apple Pay.
- Rewards: 3% Daily Cash on ride requests and food deliveries globally.
Strategies to Optimize Your Cash Back Rewards
Maximizing cash back rewards involves strategic spending and leveraging the right tools. Here are some tips to help you get the most out of your Apple Card and Apple Pay:
Consolidate Your Spending
Focus your purchases at merchants that offer 3% Daily Cash. By centralizing your spending at these locations, you can significantly increase your rewards earnings.
Utilize Apple Cash and Savings Accounts
Decide where to allocate your Daily Cash rewards:
– Savings Account: Automatically deposit your rewards into a Savings account to grow your money with interest.
– Apple Cash: Use your rewards immediately for purchases or send money to friends and family.
Stay Informed About Offers
Merchants may update their cash back offers periodically. Regularly check the Wallet app and merchant websites to stay aware of the latest opportunities to earn 3% Daily Cash.
Combine with Other Discounts
Use your Apple Card rewards in conjunction with other promotions or discounts offered by merchants to maximize your savings potential.
Managing Your Daily Cash: Savings and Apple Cash
Effective management of your Daily Cash rewards can lead to substantial financial benefits:
Savings Account
Opening a Savings account allows you to automatically deposit your Daily Cash, where it earns interest over time. This method is excellent for building an emergency fund or saving for future goals.
Apple Cash
Alternatively, directing your Daily Cash to Apple Cash provides immediate access to your rewards. You can use Apple Cash for everyday purchases, send money to loved ones, or even transfer funds to your bank account.
Conclusion
Harnessing the power of cash back rewards through Apple Card and Apple Pay is a smart way to enhance your financial strategy. By earning 3% Daily Cash at select merchants, you can effortlessly grow your savings while enjoying the convenience of Apple’s seamless payment solutions. Implement the strategies outlined in this guide to maximize your rewards and make every purchase work harder for you.
Ready to take control of your B2B payments and enhance your cash flow management? Discover how Billie can revolutionize your business transactions today!
