T-Mobile customers are set to feel the impact of an upcoming change by Apple regarding the cashback rewards associated with Apple Card payments. Currently, T-Mobile users enjoy a 3 percent Daily Cash rate by utilizing Apple Pay to pay their monthly bills. However, this benefit is scheduled to end on July 1, 2025, when the rate will decrease to 2 percent for Apple Card transactions. According to information circulating on Reddit, Apple has officially announced this change via its support documents.
Customers have started receiving notifications about the upcoming reduction, serving as a heads-up for those who rely on this cashback benefit. For those looking to maximize their rewards before the deadline, some users are reportedly prepaying their bills for two or three cycles to capture the higher cashback before it disappears. It’s important to note that Daily Cash is credited to users’ Apple Cash balances immediately, offering instant visibility of the changes. To put the difference into perspective, under the current 3 percent rate, a single line on a $120 Magenta Max plan earns around $43 in Daily Cash annually.
When the rate drops to 2 percent, that figure shrinks to approximately $29. Although this reduction may not seem drastic, it does affect families and households managing multiple lines, especially as service fees continue to rise. While the 3 percent cashback remains available at various participating retailers like Apple stores, Uber, and others, the forthcoming change diminishes the appeal of the Apple Card for T-Mobile bill payments. Users who prioritize convenience may still find it a beneficial option, but those seeking better rewards might want to consider alternative cards or keep an eye out for T-Mobile’s potential new co-branded offering with Capital One later this year.