Earlier quoted context omitted.
How are you doing 3%? Rolling rewards? Doesn't seem like there are a lot of 3% cards out there without an annual fee or a set of conditions to try and fulfill. 2% on all Apple Pay purchases is pretty straightforward.
Not to mention the 2% and 3% cash back are for certain categories and there are limits to how much you can get back in a given year with other cards. For example, most cards will allow you to get a 2% cash back up to $6,000 per year. I have yet to find a card that has unlimited 2% cash back on ALL purchases. Apple Card is unlimited 2% back, no category restrictions, as long as you use Apple Pay. That's quite a deal.
But I expect these incentives to start to dry up when you can actually use it regularly. I've never been able to use NFC payment to buy a meal at a sit down restaurant or bar, grocery stores and Target are just barely getting it everywhere. Its hard to get excited about 2% on my in store 7-11 purchases.
Samsung already destroyed the worth of their points last year when there was even a slight tick up in retailers. Theres only one fee free card I know of thats even slightly worth getting that offers true unlimited 2%, the Double Cash, and its usually not recommended because people who actually regularly use and research cards because it doesn't offer a bonus.