Apple Card
3% Daily Cash at Apple, 2% everywhere with Apple Pay, $0 in fees
Earn up to 3% Daily Cash at Apple and select merchants like Nike, Uber, and Walgreens when you use Apple Pay. Get 2% back on all other Apple Pay purchases and 1% with the titanium card. Cash is deposited daily — no points, no expiration, no fees of any kind.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 3% (Apple)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Poor to Excellent
Earning Rates
- 3%
Apple
3% Daily Cash at Apple (stores, apple.com, App Store, Apple TV+, etc.)
- 3%
Ace Hardware
3% Daily Cash at Ace Hardware when using Apple Card with Apple Pay
- 3%
Booking Com
3% Daily Cash at Booking.com when using Apple Card with Apple Pay; plus 2% in Booking.com Travel Credits on eligible stays and car rentals booked via the Booking.com portal link for Apple Card
- 3%
Chargepoint
3% Daily Cash at ChargePoint when using Apple Card with Apple Pay
- 3%
Duane Reade
3% Daily Cash at Duane Reade when using Apple Card with Apple Pay
- 3%
Exxon
3% Daily Cash at Exxon when using Apple Card with Apple Pay
- 3%
Mobil
3% Daily Cash at Mobil when using Apple Card with Apple Pay
- 3%
Hertz
3% Daily Cash at Hertz when using Apple Card with Apple Pay
- 3%
Nike
3% Daily Cash at Nike when using Apple Card with Apple Pay
- 3%
Uber
3% Daily Cash at Uber and Uber Eats when using Apple Card with Apple Pay
- 3%
Walgreens
3% Daily Cash at Walgreens when using Apple Card with Apple Pay
- 2%
Apple
2% Daily Cash on all purchases using Apple Pay
- 1%
All Other
1% Daily Cash on purchases using physical titanium card (non-Apple Pay)
Earning Scenarios
3% Daily Cash at Apple
Spend $1,200 on a new iPhone → earn $36 Daily Cash deposited the same day. Finance with Monthly Installments at 0% APR and still get the full $36 up front.
3% Daily Cash at Select Merchants
Spend $200/month at Uber, Walgreens, and Exxon with Apple Pay → earn $72 in Daily Cash per year from just 3 merchants.
2% Daily Cash with Apple Pay
Put $2,000/month on Apple Pay for groceries, gas, and shopping → earn $480 in Daily Cash per year on everyday spending.
1% Daily Cash on Physical Card
Spend $500/month at merchants that don't accept Apple Pay → still earn $60 in Daily Cash per year.
Benefits & Perks
Travel Benefits
3 perksAccount Management
Fees
Car Rental
Annual Credits & Statement Credits
2 credits$60
first-year / eligibility-dependent
1 credit listed below has no stated dollar amount and is not counted in this total.
$60 Uber One trial
Apple Card holders get 6 months free Uber One (new/returning Uber One subscribers only) with $0 delivery fees and rides savings via Apple Pay
$60
One-time
Extra 2% Booking.com Travel Credits
Earn 2% in Booking.com Travel Credits on hotels, resorts, and car rentals.
$2
Per transaction
Insurance & Protections
5 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
No late fees or penalty APR
No late payment fees and no penalty interest rate if you miss a payment.
Biometric security on every purchase
Face ID/Touch ID required for transactions. No card numbers visible. Unique codes per transaction.
No fees on international purchases
0% foreign transaction fees on all purchases made outside the United States.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Third-Party Rankings & Ratings
4 sourcesHow It Compares
The Apple Card delivers the simplest no-fee cash-back structure for Apple ecosystem users. The 2% rate on all Apple Pay purchases matches flat-rate competitors like Citi Double Cash, while the 3% at Apple and select merchants adds category-level earning without rotating categories. The zero-fee structure (no annual, late, foreign transaction, or penalty fees) is unmatched among major cards.
Pros and Cons
Pros
- +No annual fee, no late fees, and no penalty APR
- +Daily Cash deposited immediately rather than monthly
- +3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
- +2% back on all Apple Pay purchases
- +No foreign transaction fees
- +Titanium physical card with premium design
- +Zero-interest financing on Apple products (Apple Card Monthly Installments)
- +Built-in spending insights and budgeting tools in Wallet app
- +Apple Savings account integration for high-yield APY on Daily Cash
- +6 months free Uber One membership for new cardholders ($60 value)
Cons
- -Only 1% back when using physical card (non-Apple Pay)
- -Requires iPhone to apply and manage the card
- -No sign-up bonus
- -No travel-related benefits or protections
- -Limited 3% merchant list compared to category cards
- -Cash back cannot be transferred to travel partners
- -No purchase protection or extended warranty benefits
Who It's Best For
Best For
- Apple ecosystem users who frequently purchase Apple products and services
- Shoppers who primarily use Apple Pay for purchases
- Those who want daily cash back deposits instead of monthly statements
- People seeking a no-fee card with no late fees or penalty APR
- iPhone users who want seamless Wallet app integration
Not Ideal For
- Those who prefer physical card use over mobile payments
- Android users (requires iPhone for full functionality)
- Travel rewards seekers looking for airline or hotel points
- High spenders who could earn more with category bonuses on other cards
- Those who shop at merchants that do not accept Apple Pay
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$36
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 17.74%–27.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosFive Years with the Apple Card: A Comprehensive Evaluation of Its Value
Watch This Before Applying To Apple Card | 5 Years With The Apple Card
The Truth About the Apple Card (6 Years Later)
Apple Credit Card Review | Cash Back, Perks & Hidden Downsides
Apple Card In 2025! (Still Worth Getting?) (Review)
Apple Card Review 2026: Worth It?
Apple Card in 2025: Still the Best Beginner Credit Card?
Third-Party Articles & Reviews
Apple Card Review: Extra Rewarding for Apple Fans
NerdWallet review noting the Apple Card earns 3% at specific merchants and 2% on everything else with Apple Pay. Highlights the no-fee structure and daily cash-back deposits as key differentiators.
The Apple Credit Card Review
Forbes Advisor review covering the Apple Card's rewards plan, noting it's particularly rewarding for Apple loyalists who use Apple Pay for most purchases. Analyzes the tiered Daily Cash structure and no-fee benefits.
How the Apple Card Stacks up Against the Competition
NerdWallet comparison analysis noting the Apple Card lacks a sign-up bonus or 0% intro APR, but its potential 2% cash-back rate on Apple Pay purchases equals top flat-rate competitors.
10 Benefits of the Apple Card
Breakdown of 10 Apple Card benefits including no annual fee, no late payment fees, no foreign transaction fees, Daily Cash rewards, Apple Savings integration, and Apple Card Monthly Installments for interest-free Apple purchases.
Apple Card review: Is it worth the hype?
Comprehensive TPG review rating the Apple Card 2.5/5 stars. Covers the simple cash-back structure, lack of welcome bonus, and comparison against Citi Double Cash and Chase Freedom Unlimited. Notes the card best suits beginners and Apple Pay users.
Apple Credit Card 2026 Review: Is It Worth It?
CNBC Select review highlighting the Apple Card's zero-fee structure — no annual fees, foreign transaction fees, or late payment fees. Evaluates daily cash-back rewards and Apple ecosystem integration.
4 reasons to get the Apple Card
Highlights the Apple Card's streamlined user experience, no-fee structure, Apple Pay integration, and interest-free Apple product financing as key reasons to consider the card.
Apple Card 2026 Review
US News review of the Apple Card covering features, drawbacks, and comparison to other cash-back cards on the market. Includes credit score requirements and reward structure analysis.
Apple Card – Full Review [2025]
Detailed Upgraded Points review concluding the Apple Card is best suited for Apple fans who use Apple Pay for most purchases. Covers the 3%/2%/1% Daily Cash structure and merchant partner list.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Earn rates | |
| RewardsCC API | — | RewardsCC API |
| Apple Official | — | Apple Official |
| NerdWallet | — | NerdWallet |
| Scrape 20260201 | Scrape 20260201: Card name |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.