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PSA: Apple Card Daily Cash Back From T-Mobile Dropping to 2% in July

Apple has partnered with multiple merchants to provide three percent Daily Cash back for Apple Card purchases, and T-Mobile has participated in the program since 2019. That's going to end in July, though, and Daily Cash back from T-Mobile will revert to the standard two percent when using Apple Pay.

Apple Card iPhone 16 Pro Feature
In its Daily Cash support document, Apple says that starting on July 1, 2025, using ‌Apple Card‌ with ‌Apple Pay‌ at T-Mobile will provide only two percent cash back, instead of the bonus three percent cash back.

‌Apple Card‌ users get two percent cash back for all purchases made with ‌Apple Pay‌, so there will no longer be any extra cash back beyond the two percent when transacting with T-Mobile, including for monthly bills.

Apple is still offering three percent cash for ‌Apple Pay‌ purchases from Ace Hardware, Booking.com, ChargePoint, Duane Read, Exxon and Mobil gas stations, Nike, Uber, and Walgreens.

Top Rated Comments

P-DogNC Avatar
12 months ago
T-Mobile proving that it is no longer the "un-carrier", yet again.
Score: 11 Votes (Like | Disagree)
12 months ago
It was nice while it lasted!
Score: 9 Votes (Like | Disagree)
12 months ago
It's true T-Mobile took away the autopay discount for credit cards awhile back.

What I did was set up autopay with a debit card, but then make manual payments with my Apple Card via Apple Pay before the due date.

That way, I've continued to receive the $5 discount per line and get the 3% cash back on my Apple Card.
Score: 6 Votes (Like | Disagree)
12 months ago
sigh.. whatever. take your damn 1%.

Score: 4 Votes (Like | Disagree)
Gengar Avatar
12 months ago

I never thought about using an Apple debit card to pay my monthly bill so when then announced the $5 surcharge for credit cards I switched to another debit card.

I never got the Apple debit card, just the credit card.

Even at 2% it is still better than 0%.

I will look into it.
The Apple Card is a credit card, I don’t believe they offer a debit card, but they do have a Goldman Sachs savings account.

Using the T-Life app, you can set up autopay with a debit card to get the autopay discount, but then use Apple Pay to pay with the Apple Card and get 3%.
Score: 3 Votes (Like | Disagree)
12 months ago
A lot of debit cards also let you lock them for security reasons. So I lock mine and let the payment fail. That's my monthly reminder to pay by credit card.
Score: 2 Votes (Like | Disagree)
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