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.
|Authorized User Fee|
|Foreign Transaction Fee|
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, Apple.com, App Store, Apple Music subscriptions, and iCloud storage plans.
- 3% Select Partners
- 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.
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.
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.