Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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.
Up to 3X (Apple)
Highest rate (conditional)
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 17.49%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
0% foreign transaction fees on all purchases made outside the United States.
No late payment fees and no penalty interest rate if you miss a payment.
Face ID/Touch ID required for transactions. No card numbers visible. Unique codes per transaction.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
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.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$37.20
Annual Fee
-$0
Net Annual Value
+$1.20
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.
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.
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.
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.
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.
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.
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.
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.
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.
| Source | Verified | Citation |
|---|---|---|
| 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 |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
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.
