Why did Apple Pay only give 1% cashback for gas?

denise0926 wrote:

It shows 1% only and it was at Chevron. I used my actual apple credit card and inserted it into the machine. Could that be the problem?

Yep, purchases with your physical Apple Card receive 1% Cash Back. If Tap to Pay was offered you would have received 2% cash back by tapping your phone to the terminal on the pump.

What credit or debit card are you using to fund these Apple Pay transactions? The issuer will determine the cashback. If you used your Apple Card, I suggest you contact support for assistance.

My research indicates that you should get 3% cashback from Exxon when using your Apple Card through Apple Pay. Is it possible that you're seeing the 1% additional and the normal 2% is separate?

• Were you using the Exxon app where you can add the Apple Card numbers manually?
• Did you use Tap to Pay at the pump?

The app allows you to add the Apple Card number manually, like any other credit card, which would result in a 1% cash back.

Let’s break this down.

You earn 1% if you use the physical card.

You earn 2% if you use your iPhone to Tap-To-Pay and the merchant offers Apple Pay. Apple Pay must be selected at the pump or in the merchant’s mobile app.

You earn 3% at Exxon/Mobil stations and select Apple Pay at the pump, in store, or in the Exxon/ Mobil app.

Because you purchased gas from Chevron, the 3% was off the board. Best you could have done was 2% if the merchant offered Apple Pay and you used your iPhone to Tap-To-Pay.

denise0926 wrote:

It shows 1% only and it was at Chevron. I used my actual apple credit card and inserted it into the machine. Could that be the problem?

You initially said "Exxon" which has a special deal with Apple. I don't believe Chevron does.