Apple Card
A no-fee card built into iPhone Wallet with Daily Cash back, no penalty fees and clear spending insights.
Why it ranks
- No annual or foreign fees
- Great app experience
- Daily Cash
What holds it back
- Best rewards need Apple Pay
- Apple ecosystem focused
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A no-fee card built into iPhone Wallet with Daily Cash back, no penalty fees and clear spending insights.
Apple Card at a glance
| Issuer | Apple / Goldman Sachs |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Occasional Daily Cash promos |
| Rewards rate | 3% at Apple & select partners, 2% with Apple Pay, 1% with the titanium card |
| Intro APR | None |
| Regular APR | Varies (see terms) |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (660+) |
| Best for | iPhone users who want simple, fee-free cash back |
| Airport lounge access | No |
Rewards & benefits
- Daily Cash paid every day
- No fees of any kind
- Savings account integration
Eligibility & who it suits
- iPhone with Wallet app
- Fair-to-good credit
How to apply
Check current rates on Apple / Goldman Sachs’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | A/Apple / Goldman SachsAppleNo annual fee · US Apple CardiPhone users who want simple, fee-free cash back |
None | 3% at Apple & select partners, 2% with Apple Pay, 1% with the titanium card | Occasional Daily Cash promos | None | Fair to Good (660+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
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