Apple Card will soon stop offering 3% cash back at one of its partner merchants

In November, Apple announced some additional 3% cash back partners for the Apple Card, Booking.com and Chargepoint. Those were welcome additions, but one of the existing partners will also be going away in a couple weeks: that being Panera Bread.

While scrolling through the “Merchant Benefits” list in the Apple Card section of the Wallet app, there’s now a new message under the Panera Bread section, stating the following:

Starting February 1, 2025, using Apple Pay at Panera Bread will change from earning 3% Daily Cash back to the standard 2% with Apple Pay.

After February 1st, you’ll no longer be able to take advantage of the boosted 3% cash back while dining out at Panera, which was Apple’s only dining partner.

While it’s an unfortunate loss, the economics might’ve just not worked out for Panera, so they decided to drop the deal.

Apple began offering 3% daily cash at Panera in August 2020, so the deal lasted just over 4 years. Apple has also ran special Apple Card sign up offers for Panera customers, offering $50 cash back after users spend over $50 at Panera bread.

While Panera Bread might be going away, the Apple Card still offers 3% cash back at Apple, as well as the following merchants:

• Ace Hardware
• Booking.com
• ChargePoint
• Exxon/Mobil
• Nike
• T-Mobile
• Uber/Uber Eats
• Walgreens/Duane Reade

If you’re interested in taking advantage of 3% cash back at Panera, you have under 2 weeks left to do so.

Are you an Apple Card user? Are there any improvements you’re looking for in Apple’s credit card? Let us know in the comments.

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