Apple Card will no longer provide cashback vouchers of 3% at its partner stores soon.

In November, Apple announced an additional 3% cashback partner for its Apple Card. Booking.com and Chargepoint were among them, which were welcome additions. However, a few weeks later, one of the existing partners was set to be removed. That partner was Panera Bread.
When scrolling through the 'Store Benefits' list in the Wallet section of the Apple app, the following message is now displayed below the Panera Bread section:
Starting February 1, 2025, using Apple Pay at Panera will change the daily cashback rate to the standard 2%.
After February 1, you will no longer receive the increased 3% cashback benefit while dining at Panera restaurants. This was because Apple was the only restaurant partner.
The failure is unfortunate, but it was due to economic conditions that did not suit Panera, leading them to break off negotiations.
Apple began providing daily 3% cashback in Panama starting August 2020, so this agreement had been ongoing for over four years. Additionally, Apple was offering special Apple Card sign-up promotions to Panama customers, providing a $50 cash refund if users spent over $50 at Panama Bread.
While Panera may be gone, the Apple Card continues to provide 3% cashback and does so in other stores as well:
- Arcade Hardware
- Booking.co
- Catchpoint
- Exxon/Mobi
- Nike
- T-Mobile
- Uber/Eats restaurants
- Villegrenze/Don Raid
The opportunity to receive a 3% cashback at Panera is running out.
Are you an Apple Card user? What improvements do you think are needed in Apple's credit card? Leave your opinion below.
My favorite Apple smartphone accessories (available on Amazon):
- ESR MagSafe Wallet: kickstand, clip, Find My support
- Anker 2-in-1 wireless charger supporting Qi2 technology
- UGREEN 6.6-foot blind USB-C charging cable, two-pack
- AirPods Pro 2 (USB-C)
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