Apple Card
No fee
Goldman Sachs
Apple Card
4.3
(3,456 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026Designed by Apple for iPhone users, this card earns instant Daily Cash (deposited the same day you pay) on every purchase. The 3% on Apple and partner merchants rewards the Apple ecosystem. No late fees, no annual fee, and the beautiful titanium card make it a low-stress daily driver — especially for Apple Pay users.
Annual Fee
No annual fee
Purchase APR
19.24% – 29.49%
Rewards
1% base rate
Sign-Up Bonus
None
Credit Score
Fair (580-669)
Foreign Txn Fee
None
Who Should Get This Card
The Apple Card is best suited for those building credit who iphone users wanting a seamless, no-fee cashback card. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee, no late fees
- Instant Daily Cash rewards
- 3% at Apple & select partners
- iPhone users wanting a seamless, no-fee cashback card
Consider another card if you…
- No sign-up bonus
- 1% with physical card
- Requires iPhone
Rewards Breakdown
3% Apple & select partners, 2% Apple Pay, 1% physical card
| Category | Rate |
|---|---|
| Apple purchases & services | 3% |
| Select merchants (Uber, Nike, Walgreens, etc.) | 3% |
| Apple Pay purchases | 2% |
| Everything else | 1% |
Rewards Distribution
3%
top rate
Apple purchases & services3%33%
Select merchants (Uber, Nike, Walgreens, etc.)3%33%
Apple Pay purchases2%22%
Everything else1%11%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 19.24% – 29.49% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $0 |
Pros & Cons
No annual fee, no late fees
Instant Daily Cash rewards
3% at Apple & select partners
2% everywhere via Apple Pay
Excellent spending analytics
No sign-up bonus
1% with physical card
Requires iPhone
Cannot transfer rewards
The Bottom Line
The Good: The Apple Card stands out for its no annual fee, no late fees. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: No sign-up bonus.
Our Verdict: The Apple Card scores 7/10 — a solid option for iphone users wanting a seamless, no-fee cashback card. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Apple Card?▾
The Apple Card has no annual fee — you'll never be charged just for keeping the card open.
How do the rewards work on the Apple Card?▾
The Apple Card earns 1% on all purchases, and up to 3% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Apple Card?▾
The Apple Card is recommended for applicants with fair (580-669) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Apple Card charge a foreign transaction fee?▾
No — the Apple Card has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Apple Card?▾
The Apple Card has a variable purchase APR of 19.24% – 29.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Apple Card best for?▾
The Apple Card is best for iPhone users wanting a seamless, no-fee cashback card. A key advantage: no annual fee, no late fees.
Customer Reviews
4.3
3,456 reviews
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