THE CARDTUNED DATABASE
Apple Card
Issuer: Goldman Sachs · Network: Mastercard
3% Daily Cash at Apple and select merchants with Apple Pay; 2% with Apple Pay elsewhere; 1% with the titanium card
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR offer
- Regular APR
- Variable APR based on creditworthiness; see live Apple Card terms
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 3% | Daily Cash at Apple and select merchants with Apple Pay |
| Eligible purchases | 2% | with Apple Pay elsewhere |
| Eligible purchases | 1% | with the titanium card |
Additional benefits
• No annual, foreign-transaction, late, or over-limit fees
• Interest-free Apple Card Monthly Installments on eligible Apple products
• Daily Cash can be directed to Apple Cash or an eligible Savings account
Restrictions to know
3% applies only to Apple and participating merchants and generally requires Apple Pay; other Apple Pay purchases earn 2%, while titanium-card purchases earn 1%. Merchant eligibility and offers are subject to terms. Monthly Installments apply only to eligible Apple products and approved transactions.
Who can apply
U.S. residents age 18+ with an eligible Apple device and account; issuer approval required
Credit profile: Good–Excellent