Apple Card
Best for: iPhone users who pay with Apple Pay and want fee-free cash back
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
Apple Card at a glance
| Issuer | Apple / Goldman Sachs |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | 3% at Apple & select partners, 2% with Apple Pay, 1% with the titanium card |
| Welcome bonus | Occasional Daily Cash promos |
| Intro APR | None |
| Regular APR | Varies (see terms) |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (660+) |
| Airport lounge access | No |
| Best for | iPhone users who pay with Apple Pay and want fee-free cash back |
Rewards & perks
- 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
Who should apply
- An iPhone with the Wallet app
- Credit in the fair-to-good range
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Apple / Goldman Sachs site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Apple / Goldman SachsApple 5241 0968 7642 7841 VALID THRU 12/29AVERY PATEL Apple CardiPhone users who pay with Apple Pay and want fee-free cash back |
None | 3% at Apple & select partners, 2% with Apple Pay, 1% with the titanium… | None | None | Fair to Good (660+) | |
ChaseFreedom Unlimited 4734 2504 9544 4664 VALID THRU 10/32ALEX MORGAN Chase Freedom UnlimitedChase cardholders who pool points across the ecosystem |
None | 5% travel via Chase Travel, 3% dining and drugstores, 1.5% on all othe… | 0% intro APR on purchases for 15 months | 3% | Good (690+) | |
American ExpressBlue Cash Preferred 3488 297728 06483 VALID THRU 06/31ALEX MORGAN Blue Cash Preferred Card from American ExpressFamilies with heavy supermarket and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% tran… | 0% intro APR on purchases for 12 months | 2.7% | Good to Excellent (700+) | |
ChaseFreedom Flex 5331 9672 3196 0810 VALID THRU 02/30MORGAN LEE Chase Freedom FlexOrganized optimizers who'll track quarterly bonus categories |
None | 5% rotating quarterly categories (activation required), 5% travel via… | 0% intro APR on purchases for 15 months | 3% | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.