Apple Card Offers 6% Back on Eligible Apple Purchases Through 2019

Ruben Fields
December 13, 2019

Outside the holidays, Apple offers a three percent daily refund for purchases of Apple products.

Apple on Tuesday launched its own interest-free iPhone payment plan for the Apple Card. If it's not a 3% merchant, you get 2% when you use Apple Pay with Apple Card. Apple's newest desktop will start at $5,999, which means you'll get at least $359.94 back when you buy with Apple Card.

The existing iPhone upgrade program will continue to be offered as an option for iPhone users who do not have an Apple Card. This is an interesting change in strategy as the company clearly does not want to remind people that they are using what is essentially a budget iPhone and are hence going with this clever change in name! Also, "if you pay more toward your installment balance, you may reduce the overall number of payments, but are still scheduled to pay your installment payment the following month".

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The promotion does not apply to digital content, such as App Store purchases or Apple service subscriptions, or AppleCare+ extended warranties.

From now until the end of December, Apple will also be offering double the cash back on nearly all Apple Store hardware purchases, which means that if you're picking up anything from a new Mac to a new set of AirPods, you'll get 6% cash back, rather than the normal 3%. Finally, using the Apple Card by itself without Apple Pay gives you 1% cash back.

Apple Card Monthly Installments are available for purchases made at Apple Stores,, and through the Apple Store app. Daily Cash is unlimited and is paid daily to your Apple Cash account. Likewise, other retailers that Apple and Goldman have partnered with like Uber, Walgreens, and Nike are still only offering the standard 3% cash back.

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