Apple Has Added T-Mobile as a 3% Reward Category to its Card

To the delight of many, both inside and outside of the credit card community, the Apple credit card launched just over a month ago. It’s gotten so much public attention due to design cues of it being a metal card without any numbers on it, the integration with Apple Pay, and finally, Apples promise to add more partners to its card. Since then, Apple has been making good on their promise of adding more partners!

The News

Apple has just announced that they will be partnering with T-Mobile to add the phone service as a 3% back category for its credit card. It’s important to note here though, cardholders will not be earning 3% for normally paying their bill. However, they will be earning 3% back for purchases made in the store using Apple Pay. This would include buying phones, accessories, or really anything in person.

Credit Card Summary

As it stands now, there is still no sign up bonus. The card earns at the following rates:

  • 3x: Apple purchases, Uber/Uber Eats, Walgreens, Duane Reede, and T-Mobile
  • 2x: Apple Pay purchases
  • 1x:  Every other purchase (including using the physical credit card)

Final Thoughts

On the surface, you may be viewing this is an overall win. It’s no secret that I feel about credit card creating exclusive partnerships with specific companies. I think it’s great for the two companies involved in each partnership, however, I think stuff like this is bad for the consumer. Imagine how much stronger of a credit card the Apple Card would be if instead of it partnering with these very specific companies, it earned 3x back on rideshare, delivery services, drug stores, and phone stores. Wouldn’t that be better?

I get why they do it, and really, if you shop at these places already, then it wont matter to you. Still, it is great to see Apple staying true to their word, and including more and more places to their credit card reward categories. Keep in mind, with them adding T-Mobile, unless you are paying your bill in person with Apple Pay, you will not receive the extra points. 

What do you think about the Apple card with the way it sits now? Let us know down in the comments below!

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