Apple Card
Apple ecosystem users, daily cashback, instant in Wallet.
External link to Goldman Sachs / Apple’s own application page.
The Apple Card has no annual fee. It earns 3% on shopping and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Apple Card actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Apple Card earn?
What you earn back, by category.
No welcome bonus, daily cashback model
What do you get with the Apple Card?
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
Who qualifies for the Apple Card?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What people say about the Apple Card
Real answers from readers. No login, and nothing here affects our scores.
Apple Card FAQ
›What is the Apple Card annual fee?
The Apple Card has no annual fee.
›What does the Apple Card earn?
It earns 3% on shopping and 1% on everything else.
›What is the Apple Card forex markup?
The Apple Card charges 0% forex markup on foreign-currency spends.
›What income do you need for the Apple Card?
Goldman Sachs / Apple publishes no minimum income requirement for this card; approval rests on your credit profile.
›What is the Apple Card welcome bonus?
No welcome bonus, daily cashback model.
›Are these Apple Card figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
