For example, a 14-inch MacBook Pro currently starts at $1,999, not including taxes. If you’re planning to buy a phone or computer from Apple, the Apple card can help you save on this high-dollar purchase. This would bring your total yearly cash back to $204. Additionally, you’d earn $48 on the rest of your spending. This would earn you $156 in annual cash back. Let’s say you spend $1,000 a month on the card: $100 on Apple and Mobil purchases and $500 on Apple Pay purchases. The Apple Card offers generous rewards-albeit in a fairly narrow set of circumstances. On the other hand, if you rarely use Apple Pay and aren’t planning a big Apple purchase, a general rewards credit card may be a better option for you. The solid rewards rate at Apple and the option to earn extra cash back by using Apple Pay make this card one of our picks for the Best Store Cards of 2022. In addition, you’ll earn 2% back on all other Apple Pay purchases and 1% back on everything else. The Apple card earns 3% back on Apple purchases and when paying through Apple Pay at select merchants, including Uber and Uber Eats, Walgreens and Duane Reade, Exxon and Mobil gas stations, Panera and others.
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