Apple Card now offering more categories with 3% cash back

Sep 19, 2019

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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)

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

3% None
Capital One SavorOne Cash Rewards Credit Card Dining  entertainment, streaming services, and at grocery stores 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases 0% APR for 15 months on purchases and balance transfers (then a 14.99% – 24.99% variable APR applies) None $200 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.

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