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
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.
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