Apple Card Daily Cash Back from T-Mobile Drops to 2% Starting July 2025
Apple Card users have enjoyed a generous 3% Daily Cash back when making purchases at select merchants, including T-Mobile. However, a significant change is coming. As of July 1, 2025, T-Mobile will no longer offer this bonus rate, reverting to the standard 2% cash back on all Apple Pay transactions. This change will affect those who’ve been using their Apple Card for regular T-Mobile payments, including monthly bills.
What Does This Mean for Apple Card Users?
If you’ve been taking advantage of the 3% Daily Cash back from T-Mobile, it’s important to note that this offer is coming to an end. Apple has updated its support page, confirming that starting July 1, 2025, purchases at T-Mobile will only earn 2% Daily Cash back when using Apple Pay. This includes everything from paying for your monthly phone bill to purchasing new devices or accessories through T-Mobile.
While this change might be disappointing for many loyal Apple Card users, it’s important to remember that Apple still offers the 3% Daily Cash rate with several other popular merchants, such as Ace Hardware, Booking.com, ChargePoint, Duane Reade, Exxon, Mobil, Nike, Uber, and Walgreens. For those who regularly shop at these retailers, the bonus cash back remains available.
Why is T-Mobile’s 3% Cash Back Ending?
The partnership between T-Mobile and Apple Card for the 3% cash back started in 2019, offering customers a valuable incentive for using Apple Pay at T-Mobile. While Apple has not provided a specific reason for the change, it is likely due to evolving agreements between T-Mobile and Apple, or adjustments in the overall rewards program. However, the shift to 2% is in line with Apple’s general cash back offerings for purchases made through Apple Pay, as users typically earn 2% back on all eligible transactions.
How Can You Maximize Your Apple Card Benefits?
Even though the 3% cash back from T-Mobile is ending, there are still plenty of opportunities to maximize your Apple Card rewards. To make the most of your card, focus on shopping with merchants that continue to offer 3% Daily Cash back. Consider using your Apple Card for travel bookings, retail shopping, and everyday purchases from partner companies. If you're not already using Apple Pay at places like Uber, Nike, or Exxon, now is a good time to start.
By strategically using your Apple Card at qualifying merchants, you can continue to earn valuable rewards even with the change to T-Mobile. Additionally, keep an eye out for any future offers or promotions from Apple that might add new opportunities for bonus cash back.
Plan Ahead for Apple Card Changes
With T-Mobile’s Daily Cash back dropping to 2% in July, Apple Card users should be aware of the change and adjust their spending habits accordingly. While it’s unfortunate that this lucrative bonus is coming to an end, there are still plenty of ways to earn high cash back through Apple Pay with other merchants. Make sure to review the updated terms and maximize your rewards with other participating businesses to continue enjoying the benefits of your Apple Card.
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