Apple Card

Apple Card Fee Benefits

No annual fee. 2 fee benefits benefits, with what each is worth and the limits that apply.

Annual fee
No fee
Benefits
2

No Late Fees or Penalty APR

Coverage

No late payment fees and no penalty interest rate if you miss a payment.

Pro Tips

  1. 1While there's no penalty fee, it's still best to pay on time for credit score reasons
  2. 2Set up automatic payments to ensure you never miss a due date
  3. 3Interest still applies to carried balances at the standard purchase APR

No Foreign Transaction Fees

Coverage

0% foreign transaction fees on all purchases made outside the United States.

Pro Tips

  1. 1Combine with 2% Daily Cash on Apple Pay for even better international value
  2. 2Use Apple Pay for added security and currency conversion benefits

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.