Apple Card 3% Merchants: Latest Additions — Panera, Exxon and Mobil

The Apple Card's highest cash-back rate is available only on certain purchases when made through Apple Pay.
Sara RathnerAug 3, 2020

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When the Apple Card debuted in August 2019, its issuer promised that the number of merchants eligible for bonus cash back would be growing. Since then, several additions have been made to the list.

The latest: As of Aug. 3, 2020, purchases made with the Apple Card with Apple Pay at Panera will earn 3% cash back. This applies to transactions inside Panera stores, but also via the Panera app and on Panera is the first restaurant to make the Apple Card's 3%-back list.

Previous additions:

  • June 29, 2020: Purchases with the card via Apple Pay at Exxon and Mobil gas stations earn 3% cash back. This rewards rate extends to fuel, car washes and convenience store purchases. The Apple Card with Apple Pay also works within the Exxon Mobil Rewards+ app, which itself allows customers to earn points toward future fuel savings. Those points are "stackable" with the 3% back that the credit card earns.

  • Nov. 25, 2019: Nike joined the list, meaning you can earn 3% cash back on purchases made with the Apple Card through Apple Pay in Nike stores, via and on Nike apps. Apple Pay is not yet available on via desktop, but Apple notes it is "coming soon." (Purchases at Nike-branded stores outside of the United States will not qualify for 3% back.)

  • Sept. 20, 2019: In-store T-Mobile purchases made with the Apple Card through Apple Pay will earn 3% cash back. This includes one-time bill payments made via Apple Pay inside a physical T-Mobile store. (T-Mobile noted that Apple Pay functionality would also be coming to its website and mobile app, although the timetable was unclear.) The addition of this 3% category coincided with the release of the iPhone 11, iPhone 11 Pro and iPhone 11 Pro Max, although the offer applies to any purchase made at a T-Mobile location, regardless of equipment brand.

  • Sept. 13, 2019: Apple Card users now earn 3% back on eligible Walgreens and Duane Reade purchases made via Apple Pay. This includes prescriptions, as well as purchases through the Walgreens app and on

  • Aug. 20, 2019: Uber and Uber Eats were added as 3% cash-back categories through Apple Pay. Those weren't listed among Apple Card's bonus categories when the product was initially announced in March, but were included the day the card launched.

Current Apple Card rewards categories



3% cash back

• Apple Pay purchases made directly with Apple (including Apple stores, within the App Store and for Apple services).

• Uber and Uber Eats purchases via Apple Pay.

• Walgreens and Duane Reade purchases via Apple Pay.

• In-store T-Mobile purchases via Apple Pay.

• Nike purchases via Apple Pay (in U.S. stores, on and on Nike apps).

• Exxon and Mobil gas station purchases via Apple Pay. This includes fuel, car washes and convenience store purchases.

• Panera purchases via Apple Pay.

2% cash back

All other purchases made via Apple Pay.

1% cash back

All purchases made with the physical Apple Card.

Note that you must request the physical Apple Card separately. It allows you to buy at retailers that don't accept Apple Pay, but typically only purchases made via Apple Pay are eligible for bonus rewards.

More about the Apple Card

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