Apple Card
Apple ecosystem users — daily cashback, instant in Wallet.
External link to Goldman Sachs / Apple. We may earn a referral commission, at no cost to you.
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.
Reward rates
What you earn back, by category.
No welcome bonus — daily cashback model
What you get
- 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
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Apple Card
The SaaS subscriptions where Apple Card earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,22,400/yr.
Greenhouse
Apple Card pays 1% rewards on Greenhouse.
Drift
Apple Card pays 1% rewards on Drift.
Vanta
Apple Card pays 1% rewards on Vanta.
Drata
Apple Card pays 1% rewards on Drata.
Trello
3% rewards on productivity category — better than the 1% default.
PostHog
3% rewards on marketing category — better than the 1% default.
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