Apple Card Review
Goldman Sachs · iPhone users wanting a seamless, no-fee cashback card
4.3 / 5 (3456 reviews)
Annual Fee
No annual fee
Rewards
3% Apple & select partners, 2% Apple Pay, 1% physical card
Regular APR
19.24% – 29.49%
Credit Needed
Fair (580-669)
Our Expert Verdict
7/10
Editor's Score
Designed 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.
Pros
- No annual fee, no late fees
- Instant Daily Cash rewards
- 3% at Apple & select partners
- 2% everywhere via Apple Pay
- Excellent spending analytics
Cons
- No sign-up bonus
- 1% with physical card
- Requires iPhone
- Cannot transfer rewards
Key Benefits & Perks
No annual fee
No foreign transaction fees
No late fees
Daily Cash deposited instantly to Apple Cash
Titanium physical card
Built-in spending analytics in Wallet app
Rewards Breakdown
| Category | Rate |
|---|---|
| Apple purchases & services | 3% |
| Select merchants (Uber, Nike, Walgreens, etc.) | 3% |
| Apple Pay purchases | 2% |
| Everything else | 1% |
User Reviews
Customer Reviews
4.3
3,456 reviews
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