Posted by Chuck on September 19, 2019
Credit Cards

Published on September 19th, 2019 | by Chuck

38

Apple Credit Card Adds T-Mobile, Uber, Walgreen’s, Duane Reade as 3% Category; More Merchants To Come

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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ti
ti

So it was 2% (Apple pay) and they made it an extra 1%. Meanwhile Uber card gets only 2% on Uber…

Creditian
Creditian

Uber eats is 4% though

Ferris
Ferris

I heard Uber sheets are 5%.

Creek
Creek

Supposed to be, a lot of reports of it only coding at 2%

Lantean
Lantean

Still a lame, useless card.

Creditguy
Creditguy

Dude it changes color

Lantean
Lantean

Oh yea, sorry I missed that… my bad.

Best card ever!

Hari
Hari

I’d prefer color change only on a new annual fee card. That thing should not be free!

PoorChurner
PoorChurner

The annual fee is buying a new iPhone each year

Frank
Frank

Wait does it really? Hmm….

MrObvious
MrObvious

It also comes with a certificate for a pet unicorn and two mermaids!

The Man
The Man

Useless! Add a good signup bonus and we can talk.

LMD
LMD

Is there a way to get the 2% rate on websites that don’t offer Apple pay?

Jags
Jags

Yea use a different card that gets 2% everywhere.

LMD
LMD

I’m interested in MasterCards that offer 2% or more cashback. PayPal, Zero card, certain credit unions etc.

Rishabh
Rishabh

paypal 2% mastercard is best

P
P

Give me sign up bonus and then I’ll consider it.

Ron
Ron

No bonus sign up, lame. I’ll just use my citi premier for all travel related including Uber for 3x points.

Vento
Vento

Wouldn’t be a terrible way to stock up on Uber credits if this eventually stacked with the Uber Cash purchasing discount.

BWicked1
BWicked1

Looks like 3% at Walgreens is coming tomorrow. Hard to tell from the press release if Gift Cards will be included or not – https://www.bloomberg.com/press-releases/2019-09-12/walgreens-to-offer-3-percent-daily-cash-on-apple-card-with-apple-pay-purchases

aapl
aapl

Translation: They aren’t getting as many card applications as they had projected. So they keep rolling out enhancements to entice more people to signup.

I’m glad the vast majority of people see this card as mediocre, at best.

Eric
Eric

Throw a $250 SUB and I am in.

Ihatetimcook
Ihatetimcook

Since apple and its bank had no experience in credit cards, they decided to avoid using the best practices of other card issuers (eg SUB). In their own arrogance, they knew better than Chase, AmEx, Citi etc. Now here they are with a dud of a card and struggling to get applications.

It’s safe to say the other card issuers haven’t lost much sleep over the rollout of the Apple Card.

But Apple is a master of manipulating the message. So their response will be: well we never intended for the card to be a big part of our business anyway.

Nick
Nick

Unfortunately SUB is also a surefire way to attract hordes of churners or SUB chasers who will be a net loss (and not a small one) to both GS and AAPL.

They might be struggling to get applications, but it seems that they are not too desperate either and aren’t approving everyone (or give everyone who they approve a high CL).

It might simply be a conservative way to grow a line of business and there’s nothing wrong with that, esp. if they have a lot of cash&time&patience.

Dubya
Dubya

I don’t get why people don’t get this.

Celia
Celia

It’s only been available for like a month. Is there even any reports of how many applications they’ve gotten?

Dubya
Dubya

They don’t want you, so no SUB.

kcihtred2
kcihtred2

if they do a rotating/randomization/changing 3% it could be slightly interesting. Though depends on MS tolerance and where they are on the easy to be approved. Synchrony level? possibly. Cap 1 level? complete trash

jnrfalcon
jnrfalcon

So is it NFC only or I can get 3% with physical card as well?

86
86

“…when they use Apple Card with Apple Pay….”

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.

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.

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