SmartRatesUSA
Credit Card Review📱 Best for Apple Users

Apple Card

Issued by Apple / Goldman Sachs

3% Daily Cash on Apple & select merchants (Nike, Walgreens, etc.), 2% on Apple Pay, 1% on physical card.

At a Glance

Annual Fee

$0

Purchase APR

17.49%–27.74%

Rewards Rate

3% Daily Cash on Apple & select merchants (Nike, Walgreens, etc.), 2% on Apple Pay, 1% on physical card

Credit eligibility

Issuer review required; no guaranteed score cutoff

Rates & Fees

Annual Fee

$0

Purchase APR

17.49%–27.74% variable

Foreign Transaction Fee

None

Balance Transfer Fee

Not applicable — Apple Card doesn't support balance transfers

Cash Advance Fee

Not applicable — Apple Card doesn't support cash advances

Late Payment Fee

None — Apple Card does not charge late fees

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Apple Card would earn you per year (this doesn't include any one-time sign-up bonus).

Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Note: Earns 3% at Apple and select merchants and 2% on Apple Pay purchases — not modeled here since it depends on where and how you pay.

Est. Annual Rewards

$234/yr

After $0 Annual Fee

$234/yr

Based On

$1,950/mo

Key Features

Daily Cash — rewards deposited daily, not monthly

No fees of any kind (no annual, no late, no foreign transaction)

Apple announced Chase as the future issuer in January 2026; the transition is expected to take about 24 months

Pros & Cons

Pros

  • Zero fees of any kind
  • Daily Cash pays out immediately — use the next day
  • Privacy-first: virtual card numbers for online purchases
  • Seamlessly integrated with iPhone/Wallet app

Tradeoffs

  • No sign-up bonus
  • 3% limited to Apple purchases and select merchants
  • Requires iPhone to apply and manage

How to Apply

Check Apple / Goldman Sachs's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Apple / Goldman Sachs's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Apple Card$017.49%–27.74%3% Daily Cash on Apple & select merchants (Nike, Walgreens, etc.), 2% on Apple Pay, 1% on physical card
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Frequently Asked Questions

What credit score do I need for the Apple Card?

We do not have a verified universal minimum score for the Apple Card. Apple / Goldman Sachs evaluates your application and credit profile, including income and debt. Check the current eligibility terms; a particular score does not guarantee approval or a credit limit.

What's the annual fee on the Apple Card?

The Apple Card is listed with no annual fee in our reference data. Interest and other fees may still apply; confirm current issuer terms.

Does the Apple Card have a sign-up bonus?

The Apple Card has no welcome offer recorded in this reference snapshot. Check the issuer for current offers.

What fees should I watch for on the Apple Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (Not applicable — Apple Card doesn't support balance transfers), cash advance fee (Not applicable — Apple Card doesn't support cash advances), and late payment fee (None — Apple Card does not charge late fees). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Apple Card compare to similar cards?

The Apple Card is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

Other Credit Cards

Citi Double Cash® Card

2% on everything (1% when you buy + 1% when you pay)

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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