The beauty of a cash back credit card is that you get cold hard statement credits rather than the sometimes confusing reward point system.
The Apple credit card offers the following.
3% cash back when buying directly from Apple and other select retailers. If you’re an Apple fan there’s nothing better than saving extra money on things you were going to buy anyways. You also get 3% cash back on purchases with Uber, Walgreens, Exxon, Nike, Duane Reade, and T-Mobile.
2% cash back when using Apple Pay. For a credit card with no annual fee this is about as good as it gets. Good job Apple!
1% cash back when using the physical card. 1% cash back is pretty mediocre so we would suggest not using the physical card if at all possible. If the merchant doesn’t accept Apple Pay, then we would suggest using another cash back card such as the Citi Double Cash – which will give you 2% cash back and also doesn’t have an annual fee.