Every Store Offering 3% Cash-Back on Your Apple Card

Most people know that using Apple Pay with your Apple Card nets you a respectable 2% cash-back. Shop at the right stores, however, and you can maximize your rewards with 3% returns.

While the list of stores offering 3% cash-back is admittedly short, it continues to grow quite regularly. When Apple first announced this 3% tier in August 2019, only Uber and Uber Eats were participating. Since then, six more companies have hopped on board, and we expect Apple has plans for more establishments down the line.

The Complete List of 3% Stores

Below, you’ll find our always-updated list of stores offering 3% cash-back. We include the fine print for each, according to the official Apple Card application site:

• Apple: 3% Daily Cash excludes orders made on 3rd party apps. Apple Pay is coming soon to purchases of coffee subscriptions.
• Exxon and Mobile: 3% Daily Cash is available in the United States when using Apple Card with Apple Pay (where available) at Exxon or Mobil branded pumps and attached convenience stores. To pay at the pump with Apple Pay, either use Exxon Mobil Rewards+ mobile app or contactless payment. Excludes purchases at 3rd party merchants, including independent car washes, located within an Exxon or Mobil branded location or the attached convenience store.
• Nike: 3% Daily Cash is not available at Nike-branded stores outside the United States.
• Panera Bread: 3% Daily Cash excludes orders made on 3rd party apps. Apple Pay is coming soon to purchases of coffee subscriptions.
• T-Mobile: 3% Daily Cash is available for purchases using Apple Card with Apple Pay in T-Mobile U.S. stores, and bill payments and AutoPay on T-Mobile.com and in the T-Mobile app. Authorized T-Mobile dealers are not eligible for 3% Daily Cash and can be found on T-Mobile.com/store-locator. Sprint account payments, and purchases made through any Sprint checkout, including those at T-Mobile U.S. stores, are not eligible for 3% Daily Cash.
• Uber: Apple Pay is coming soon to Uber services like Scheduled Rides.
• Walgreens: 3% Daily Cash is not available at Sprint Express and independent health service providers, including Walgreens Optical and Walgreens Hearing, or for orders made on 3rd party delivery apps.