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What is the highest cashback received on Google pay?

Google Pay is a digital wallet platform and online payment system developed by Google to power in-app and tap-to-pay purchases on mobile devices. It allows users to make payments with their Android phones, tablets or watches. One of the key features of Google Pay is its cashback program, which gives users money back on eligible purchases made through Google Pay.

How Does Google Pay Cashback Work?

The Google Pay cashback program allows users to earn cashback on purchases made through Google Pay. Here’s how it works:

  • Users link an eligible credit or debit card to their Google Pay account.
  • When users make purchases using Google Pay at participating merchants, they can earn cashback on those purchases.
  • The cashback percentage varies based on the merchant, ranging anywhere from 1% to as high as 10% cashback.
  • After completing an eligible transaction, the cashback earned will be automatically credited to the user’s Google Pay balance.
  • Once their cashback earnings reach $1, users can transfer the money to their bank account or redeem it for gift cards.

So in essence, Google Pay cashback allows you to earn money on purchases you were already making, making it an easy way to get a bit of extra value.

What is the Highest Cashback Available?

The cashback percentage can vary greatly depending on the merchant. Here are some of the highest cashback rates available on Google Pay purchases:

  • 10% cashback – This is the highest cashback rate offered on Google Pay and it’s available on purchases made through certain merchant offers or promotional campaigns. However, it is rare to find ongoing 10% cashback rates.
  • 6% cashback – Some recurring merchant offers provide up to 6% cashback on eligible Google Pay transactions. For example, Walgreens has previously offered 6% cashback on Google Pay purchases.
  • 5% cashback – Many one-time new user promotions offer a 5% rate for your first Google Pay transaction with that merchant. This is commonly seen with food delivery services.
  • 3-4% cashback – Several major retailers offer consistent 3-4% cashback when using Google Pay for purchases, either in-store or online. Examples include Adidas (4% cashback) and B&H Photo Video (3%).

So while 10% is the highest rate offered for limited-time promotions, you can consistently earn 3-6% cashback by taking advantage of major merchant offers.

What Types of Purchases Qualify for Cashback?

While Google Pay can be used to pay for a wide variety of goods and services, not all transactions qualify for cashback. Here are the types of Google Pay purchases that can earn cashback:

  • In-store payments – Any payment made in-person by tapping your phone at a card reader.
  • Online payments – Buying directly from a merchant’s website or app using Google Pay as the payment method.
  • Food delivery services – Ordering takeout or delivery from services like DoorDash, Uber Eats, etc.
  • Rideshares – Paying for Uber, Lyft, or other taxi services through the app with Google Pay.
  • Select services – Some service providers like salons or gyms accept Google Pay with cashback.
  • Peer-to-peer payments – Sending money to friends and family may qualify if offered by the provider.

However, there are some transactions that do not qualify for cashback when processed through Google Pay:

  • ATM withdrawals
  • Money transfers and wire services
  • Bill payments
  • Tax payments
  • Loading funds to wallets or prepaid accounts
  • Purchasing gift cards
  • Cryptocurrency purchases

So when looking to maximize your cashback earnings, stick to retail, food, transportation, travel, and standard services.

What is the Process to Get Cashback on Google Pay?

Getting your cashback earnings from Google Pay only takes a few simple steps:

  1. Link an eligible credit or debit card to your Google Pay account.
  2. Find a merchant deal offering cashback and make a qualifying purchase using Google Pay.
  3. Your cashback will automatically be credited to your Google Pay balance within 24 hours.
  4. Once your balance reaches at least $1, you can cash out your earnings.
  5. To cash out, open the Google Pay app, tap your profile, select Rewards, then tap Cash Out.
  6. Choose to cash out to a linked bank account or redeem for a gift card to popular merchants.
  7. You will receive your cashback payout via your selected redemption method within 5-7 days.

It’s a quick and seamless process. Google Pay makes it easy to earn and redeem cash rewards on daily purchases.

Are There Any Restrictions or Limits on Cashback?

Google does place some common restrictions and limits on cashback earnings:

  • Cashback may be limited specifically to new Google Pay users only.
  • There are country restrictions – cashback is only available in the United States at this time.
  • You must link a credit or debit card – cashback cannot be earned on bank account linked payments.
  • Minimum cash out is $1 – your balance must reach $1 before you can redeem.
  • Maximum rewards per year – Google caps rewards at $600 per year per account and payment instrument.

It’s also important to note that while Google operates the cashback program, the rewards are actually provided by the payment networks whose cards you link to Google Pay, such as Visa or Mastercard. So you must abide by the terms set by your card’s issuing bank as well.

Are There Any Fees for Using Google Pay Cashback?

The good news is that Google Pay does not charge any fees for signing up, earning, or redeeming cashback rewards. There are no membership costs or transaction fees. However, a few other fees could come into play:

  • Foreign transaction fee – If you use Google Pay abroad, your linked credit card may charge a typical 2-3% foreign transaction fee.
  • Overdraft fee – You could incur an overdraft fee if cashing out rewards results in an overdrawn bank account.
  • Gift card activation fee – Some gift cards available for redemption may have an activation fee deducted from the card balance.

But Google Pay itself does not charge any direct fees for cashback redemption or earnings. The service is free to use.

Can I Earn Cashback on Multiple Cards or Accounts?

Yes, one of the best things about Google Pay cashback is that you can link multiple credit and debit cards to your account and earn rewards on all eligible purchases, regardless of which card is used. There is no limit on how many cards you can link in the app.

However, do note that:

  • Google Pay’s $600 per year rewards limit applies to each linked card, not just per account.
  • Make sure none of your linked cards prohibit cashback earning on digital wallets in their policy.
  • You’ll need to cash out earnings per card – Google Pay does not aggregate rewards across multiple linked cards into one balance.

But overall, the ability to earn cashback across multiple linked cards is a great way to maximize your savings with Google Pay.

Can I Use Both Credit Card Rewards and Google Pay Cashback?

Yes, another nice feature is that Google Pay cashback stacks on top of any credit card rewards you already earn!

For example, if you pay with a credit card that offers 2% cash back on all purchases, you can earn that 2% from your credit card issuer and earn Google Pay cashback on the same purchase. This essentially doubles your rewards.

Do keep in mind:

  • Your card issuer may prohibit earning rewards through digital wallets, so check your cardholder agreement.
  • The combined rewards are still subject to the $600 per year Google Pay limit.
  • You’ll redeem card rewards and Google Pay cashback separately.

But if allowed by your card issuer, stacking rewards is a great way to maximize cashback.

Is Google Pay Cashback Considered Taxable Income?

According to the IRS guidelines in the United States, cashback earned from credit card reward programs is generally not considered taxable income.

Since Google Pay cashback is provided by the payment card networks whose cards you link, the rewards are structured as credit card incentives. Therefore, Google Pay cashback should not be subject to income tax.

However, if your annual cashback earnings exceed $600, Google may issue a 1099-MISC form reporting your rewards value. You would not owe tax merely for receiving this form, but would need to report the amount if your total miscellaneous income for the year exceeds $600.

It is unlikely most users would exceed that level from Google Pay alone due to its $600 annual rewards cap per card. But check with your tax advisor if you have specific concerns about reporting cashback earnings.

Is Google Pay Cashback Available Outside the US?

Unfortunately Google Pay cashback is currently only available for users with a US address and US-issued credit or debit card. International users outside the US cannot link their local payment cards or earn cashback rewards at this time.

Google Pay itself is available in many countries worldwide as a contactless payment service. But the cashback incentives are exclusive to the US market for now.

Google has not announced plans to expand cashback globally, but they may consider it in the future based on the success of the program in the US.

Can I Use a Prepaid Card for Cashback?

Yes, you can link eligible prepaid debit cards to your Google Pay account and earn cashback, as long as:

  • The prepaid card is issued in your name (not anonymous).
  • It is affiliated with a major payment network, like Visa, Mastercard, or American Express.
  • It does not have restrictions on digital wallet rewards in its cardholder agreement.

Assuming your prepaid debit card meets those qualifications, you can start earning cashback when you add it to Google Pay and make qualifying purchases. Just be sure to cash out your rewards before your prepaid card expires.

Can Business or Corporate Cards Earn Cashback?

At this time, Google Pay cashback is only available on consumer personal accounts and cards, not corporate or business accounts. You must link personal credit or debit cards issued in your own name.

However, Google does plan to expand cashback to business users in the future. If you link a personal credit card that is used for business expenses, you can likely still earn cashback now.

But company cards themselves, or business manager accounts, cannot yet take advantage of Google Pay rewards. That is reserved for consumer accounts.

Can I Lose My Google Pay Cashback or Have it Taken Away?

In most cases, once cashback is credited to your Google Pay balance, it’s yours to keep and redeem. However, there are a few cases where earned cashback could be taken back or lost:

  • Reversed transactions – If a purchase is cancelled or reversed, the related cashback will be deducted from your balance.
  • Account review – Google may revoke rewards if they detect potential abuse or violation of the cashback terms.
  • Closing linked card – If you close a linked card before redeeming its earned cashback, those rewards are forfeited.
  • Expiration – Cashback may expire and be deducted after one year if left unredeemed in your Google Pay balance.

As long as you actively use Google Pay and redeem earnings on valid purchases, your cashback is secure. But be aware reversals or account issues could potentially lead to forfeited rewards in some cases.

Does Google Pay Offer Cashback on Purchases at All Merchants?

Google Pay can be used to make purchases at millions of merchants worldwide. However, cashback is not guaranteed at every single merchant where Google Pay is accepted.

Cashback rates and participating merchants vary over time based on Google’s merchant partnership programs. Typically big brand retailers, restaurants, delivery services, transportation, and select local businesses may participate in cashback.

Before making a purchase expecting cashback, check the Google Pay app rewards section for details on eligible merchants and limited time offers. Enrolled merchants will display a cashback percentage. If no rate is shown, that merchant likely does not currently offer rewards.

How Does Google Pay Cashback Compare to Other Rewards Apps and Programs?

Google Pay offers similar cashback rewards value compared to some other popular rewards platforms:

  • Rakuten – Offers up to 10% cashback at many of the same key merchants as Google Pay, like Nike, Macy’s, DoorDash.
  • Drop – Earn 1-5% rewards at top brands; provides rewards as gift cards instead of cash.
  • Retail rewards cards – Store cards like Target REDcard offer up to 5% back on purchases.
  • Credit card rewards – Most rewards cards offer 1-3% back, with some premium cards providing up to 6% on select purchases.

Google Pay tends to match the rates of leading rewards programs for popular merchants. The key advantage is you can stack Google Pay cashback on top of other rewards you may already be earning through your credit card.

Are There Any Risks or Downsides to Using Google Pay Cashback?

Some potential downsides to consider with Google Pay cashback:

  • Requires sharing purchase data – To earn cashback, you must share your transaction details with Google.
  • Reward limits – Google caps cashback at $600 per year per card, limiting high spenders.
  • Limited merchants – Not universal cashback; only applies at enrolled merchants.
  • Ongoing availability not guaranteed – Google may change or discontinue the cashback program in the future.
  • Redemption delays – You must wait 5-7 days to receive cashback payouts via bank deposit.

However, for most users the rewards outweigh those minor inconveniences. Overall Google Pay cashback provides an easy way to earn money on spending you already do.


Google Pay cashback offers an exciting opportunity to earn up to 10% back on your daily purchases. While 10% is rare, you can consistently earn strong 3-6% cashback by taking advantage of major merchant deals and combining credit card rewards with Google Pay.

The $600 per year limit provides plenty of rewards for most users. And the ability to earn cashback across multiple credit cards provides flexibility to maximize your savings.

As long as you closely follow the program policies and redemption requirements, Google Pay cashback provides an easy way to put money back in your wallet while shopping at your favorite retailers, dining out, ordering delivery, rideshares, and more.