Apple Card now offering more categories with 3% cash back

Sep 19, 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

The Apple Card launched in 2019, and, since then, Apple has taken steps to boost rewards, adding merchants that offer 3% cash back — or “Daily Cash,” as the company calls it.

First, Uber and Walgreens (including Duane Reade stores) joined purchases at Apple‘s own stores as the first third-party 3% merchants, followed by T-Mobile, Nike, Exxon Mobil and now Panera, as the first restaurant chain.

You’ll need to pay via Apple Pay at participating merchants to earn the 3% cash back, while purchases made with Apple can be completed through traditional methods like swiping your Apple Card.

With these new merchants factored in, here’s how the Apple Card stacks up to some other no annual fee cards:

Card Name Best For Cash-Back Overview Intro APR period Foreign-Transaction Fees Sign-Up Bonus
Apple Card Apple purchases, simplicity 3% (purchases made directly with Apple, Uber, Walgreens and Duane Reade, T-Mobile, Nike, Exxon Mobil, Panera)
2% (all Apple Pay purchases)
1% (everything else)
None (10.99% to 21.99% variable APR from open) None None
Citi® Double Cash Card Everyday spending 2% (all purchases; 1% when you buy and 1% as you pay) 0% APR for 18-months on balance transfers made within the first four months of account opening (then 13.99% – 23.99% variable APR applies) 3% None
Capital One® SavorOne® Cash Rewards Credit Card Dining and entertainment 3% (dining and entertainment)
2% (back at grocery stores)
1% (everything else)
0% APR for 15 months on purchases (then a 15.49% – 25.49% variable APR applies) None $150 one-time bonus after you spend $500 on purchases in your first 3 months from account opening

 

Additional reporting by Liz Hund

Featured photo by Wyatt Smith/The Points Guy.

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points

TPG'S BONUS VALUATION*: $1,600

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.