The Apple Card credit card offers 3% cash back at certain merchants, either in stores, online, or both — but only when you make your purchases using Apple Pay. Below is a list of stores and other merchants where you can get 3 percent back on your Apple credit card purchases:
Beyond those 3% merchants, all your other Apple Card purchases will give you 2% cash back when used with Apple Pay. If you use the physical Apple credit card to make a purchase, you’ll only earn 1% cash back.