Apple Credit Card Adds Panera Bread as 3% Category; More Merchants To Come

Update 8/3/20: Apple has now added Panera Bread to earn 3%. Full list of 3% merchants:

  • Panera Bread
  • Exxon/Mobil
  • Walgreen’s
  • Duane Reade
  • Uber
  • UberEATS
  • T-Mobile store purchases
  • Nike

Update 6/29/20: Apple has now added Exxon and Mobil.

Update 11/25/19: Apple Card has now added Nike to the 3% category when using Apple Pay. Significant addition.

Update 9/19/19: They’ve now added T-Mobile as well to the 3% category when using Apple Pay at a T-Mobile store. Note: paying your monthly bill with T-Mobile will apparently not get 3%. It’s probably possible to pay your bill in-store and get the extra rewards, but barring that, any bill payments will earn normal 1% or 2% rewards (depending whether you use Apple Pay or the physical card number).

Update 9/12/19: Apple Card has added Walgreen’s and Duane Reade to their 3% category when using Apple Card with Apple Pay (starts Friday 9/13/19). That’s on top of Uber & UberEATS which were previously announced.

Original Post:

The long awaited/hyped public release of the new Apple credit card finally came today, with card now available to anyone with an updated iPhone (requires iPhone 6 or later). In the press release today, Apple announced an additional 3% category of Uber and UberEATS:

Apple Card is extending 3 percent Daily Cash to more merchants and apps. Starting today, customers will receive 3 percent Daily Cash when they use Apple Card with Apple Pay for Uber and Uber Eats.4 (4 Apple Pay is coming soon to Uber services like Uber Cash, Scheduled Rides and JUMP. ) Customers can request a ride through Uber in more than 700 cities across the globe and order a meal through Uber Eats in more than 500 cities around the world. Apple Card will continue to add more popular merchants and apps in the coming months.

Previously, only Apple purchases were mentioned as earning 3%, while regular Apple Pay purchases earn only 2%. Now, you can get 3% on Uber when using Apple Pay. This is also great advertising for Uber in their competition with Lyft as there are lots of avid Apple fans.

It’s interesting what they say in the end there that “Apple Card will continue to add more popular merchants and apps in the coming months”. We’ll see.

We’ll add this benefit to our full review: Apple Credit Card Full Details – 3% at Apple, 2% with Apple Pay, 1% with Physical Card; No Fees. 

Hat tip to @iam_K_Man

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Kevin
Kevin

How is one supposed to keep track of the list of random merchants where they get 3%? Rather than broad categories?

Erik
Erik

Make it 3% on every purchase using Apple Pay and I’m in. Until then nah, I’m good with my Freedom and Freedom Unlimited.

JO
JO

As someone who lives in Europe where pretty much everyone accepts ApplePay, getting 2% back on all purchases with no FX fee is awesome

S Nack
S Nack

has anyone had their Apple card account reported to the credit bureaus yet? Mine hasn’t since September

case11
case11

Translation: we’re still not get many applications for our subpar card. Here’s another carrot, we think the 680 FICO’s are gullible enough to bite.

This card will make a great case study one day. Other CC issuers took a pass on it, because they had decades of card experience to know that it wasn’t going to be a profitable venture. So the rookie Goldman steps in. They wont ever make money on it, like so many other Apple partners before it.

And Apple likewise wont make any direct $ off the card either. Will it juice apple product sales beyond what they would have been without the card? Maybe, but I’m still skeptical. Outstanding consumer products sell themselves, with or without financing. Lacking the “outstanding” of late, they resorted to a CC of all things.

I say all this as a 10 year apple customer.

Avi
Avi

Not worth it unless they offer airpods for sign-up bonus.

Charles Mann
Charles Mann

Their association with nike will make me ignore this card.

Hanta V
Hanta V

Sorry, but there aren’t any cards that offer the discounts on white robes that you are looking for.

mrredskin
mrredskin

someone mad they are an apple sheep?

Pointz
Pointz

Good one Hanta V

Avi
Avi

Robes? I thought they just cut two holes in the bedsheet.

el_pistolero
el_pistolero

HAHAHAHAH

R Johnson
R Johnson

What are you referring to?

MuricaFalls
MuricaFalls

The KKK.

Charles
Charles

This is third time that I got “ID cannot be verified”…another 30 days waiting lollll

Matt
Matt

People seem short sighted about this card. If all major merchants agree to 3% cash back this becomes an amazing default daily card for the vast majority of people.

ddd
ddd

and neither apple nor goldman make a $ of profit, so your scenario seems highly unlikely.

these comments make me sad for american education. IF ONLY XYZ, then it’s a perfect world! But it’s not. Reality wins out. Time to grow up.

Fish
Fish

You’re wrong.

ddd
ddd

Am assuming if I were wrong, you would have listed the reasons why.

Am I hurting your feels too?

Celia
Celia

I imagine that Goldman is counting on interest charges to make the bulk of their money. A lot of initial signups seemed to have low credit scores, ripe for carrying balances. Apple makes money on people buying iPhones to use Apple Pay.

Will
Will

This

Jonathan
Jonathan

If the card came with an ear clip I’m convinced we’d see people walking around with one ear with an apple earbud and the other with a hanging credit card.