About Apple Card
The Apple Card integrates seamlessly with Apple Wallet and offers 3% Daily Cash on Apple purchases, 3% at select merchants, 2% on all Apple Pay purchases, and 1% on physical card transactions. The card features no annual fee, no foreign transaction fees, and a clean titanium design.
What's Great
- ✓3% Daily Cash on Apple purchases and select partners (Uber, Walgreens, etc.)
- ✓2% on all Apple Pay purchases — rewards almost everywhere contactless is accepted
- ✓No annual fee, no foreign transaction fees, no late fees
- ✓Daily Cash is deposited daily to Apple Cash for immediate use
- ✓Clean spending insights and privacy-focused design in Apple Wallet
Watch Out For
- !Only 1% on physical card swipes — most value requires Apple Pay
- !No travel perks, purchase protection, or extended warranty benefits
- !Cannot be used outside the Apple ecosystem for management
- !2% rate requires Apple Pay acceptance, which is not universal
Common Use Cases
Apple ecosystem user buying hardware, apps, and services regularly
Contactless-first spender using Apple Pay for the majority of purchases
Minimalist wanting a no-fee card with clean spend tracking in Apple Wallet
Pricing Model
Free
100% free to use — no credit card required.
Category
Cash Back Cards
Earn cash back on everyday purchases with straightforward rewards.
Tags
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