Apple Card Calculator

Learn about earning rewards with the Apple Card, calculate how much Daily Cash you can earn based on your spend, and compare results against top cards.
Updated 2020-07-14 By Robert Flowers III

The Apple Card is Apple's version of a rewards credit card. It earns 3% cash back on all Apple Purchases and behaves as a 2% cash back card for those who use Apple Pay to make their purchases. Apple occasionally offers 3% cash back on select partners and plans on adding more as time goes on. For places that don't take Apple Pay, you can use the physical Apple Card which will earn 1% daily cash back on all purchases. Daily cash earned with Apple is available after the purchase posts rather than you having to wait until a statement cuts.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Apple Card features two primary cash back categories which are Apple purchases and purchases made using Apple Pay. The Apple Card also features 3% cash back with select partners when you pay using Apple Pay. Select partners can change from time to time. There's no limit to the amount of bonus Daily Cash you can earn and no limit to the amount of Daily Cash you can earn with the card overall.

  • 3% Apple
    • Purchases includes Apple Store,, App Store, Apple Music subscriptions, and iCloud storage plans.
  • 3% Select Partners
    • Select Partners are:
    • You must pay with your Apple Card using Apple Pay in order to get 3% Daily Cash.
    • You will earn at the non-category rate (1%) if you pay with your physical Apple Card.
  • 2% Apple Pay
    • Receive an unlimited 2% back when you use your Apple Device (e.g. iPhone, Apple Watch, iPad, Mac) to pay for your purchase.
    • You will earn at the non-category rate (1%) if you pay with your physical Apple Card.
  • 1% Card Purchases
    • Apples to all non-Apple Pay purchases and purchases in which you use the physical Apple Card to pay.

Perks & Benefits

The Apple Card doesn't really have any benefits that's specific to the card itself. It has more cool features when it comes to keeping track of your spending than it does actual perks.

Sign Up Bonus

The Apple Card does not have a standard sign up bonus. You will not earn anything when signing up for the Apple Card except for access to the card itself. Do note that you must apply for this card via the Wallet app on an Apple device.


Annual Fee

The Apple Card does not have an annual fee. This means you'll always be earning a solid return on your purchases as long as you use the card when paying with Apple Pay.

Authorized User Fee

You cannot add authorized users to the Apple Card.

Foreign Transaction Fee

The Apple Card does not have a foreign transaction fee. That means you can use this card internationally without worrying about being penalized. Thankfully Apple Pay is becoming more widespread. If you're looking for a flat return of at least 2% on your purchases internationally, this is a decent choice.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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