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iPhone Upgrade Program earns 3% cashback with Apple Card- 9to5Mac



As Apple Card is rolled out to multiple users, we have learned more details about things like cashback, authentication odds and more. Now, iPhone Upgrade Program payments appear to fall into the 3% Apple Card cashback category, even though they aren't billed via Apple.

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As a quick refresher, you get 3% cashback on Apple Card purchases made through Apple. This includes things like the App Store and iTunes, Apple Music, hardware purchases, iCloud and more. Apple Pay purchases from any retailer earn 2%, while everything else earns 1%.

  • Get 3% back on everything you buy from Apple, whether you buy it in an Apple Store, apple.com, App Store or iTunes. It includes games, in-app purchases, and services such as the Apple Music subscription and iCloud storage plan.
  • Get 2% back each time you buy something with Apple Pay. It is in all categories without borders. Imagine all the things you use a credit card for every day – at Target, Walgreens, Lyft. You get 2% back on just about everything.
  • If you happen to come across a store, website or app that does not yet accept Apple Pay, you can use your titanium Apple card to get back 1% of your purchases in the form of Daily Cash.

Interestingly, it appears that monthly payments for the iPhone Upgrade Program fall into that 3% category. Although these loans are billed through Citizens One Bank, Apple Card counts your payments as an Apple purchase, giving you 3% cashback.

Whether the iPhone upgrade program would count as an Apple purchase was one of the early questions we had about the Apple Card. It's nice to see that this is something Apple is apparently considering before launch.

This means that every time the monthly payment of the iPhone Upgrade Program is processed, you will receive a 3% cashback on the Apple Cash card. Apple Pay cashback is made available every day through Apple Cash.

As Apple terminates the partnership with Barclaycard, there is speculation that it may soon also offer special financing for Apple purchases via Apple Card. This would be a nice addition for Apple cardholders who come from the long-standing Barclaycard Apple Rewards Partnership.

Thanks, Tyler!

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