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⚖ Add to comparisonApple / Goldman Sachs · Mastercard
Apple Card
Best suited to iPhone users who live in Apple Pay, where it earns 2% Daily Cash, versus a weak 1% when you swipe the physical titanium card. There's no annual fee and no penalty fees, with spending insights built into Wallet. The catch is the rewards tilt heavily toward Apple Pay and Apple purchases, so if you often pay with a physical card, a flat 2% card beats it everywhere. Daily Cash hits your account daily rather than monthly. Check current rates on apple.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Daily Cash that lands every day
- ✓Free of any fees
- ✓Ties into a savings account
👍 Pros
- + No annual or foreign purchase fees
- + The app is a pleasure to use
- + Earns Daily Cash
👎 Cons
- – You need Apple Pay for the best rewards
- – Built around Apple's ecosystem
Can you get it?
- ▸An iPhone with the Wallet app
- ▸Credit in the fair-to-good range
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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