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Apple Card review

An Apple Pay–centric credit card with Daily Cash rewards and no fees.

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Our verdict

In collaboration with Goldman Sachs, the $0 annual fee Apple Card features a variety of consumer-friendly features. This credit card has no late fees, returned payments fees or foreign transaction fees. The Apple Card also offers unlimited daily cashback rewards on Apple purchases, 3% cash back at select merchants and 2% cash back everywhere else when you use your iPhone or Apple watch to pay with the Apple Card. If you also sign up for the Apple Savings account, Daily Cash rewards are automatically transferred to the savings account to earn 4.15% APY. Or you can send the rewards to Apple Cash, where you can spend it or send it. But you’ll need to be an iPhone user with iOS 12.4 or later to get the card, and there’s no 0% intro offer that we normally see with top cards.

Best for: iPhone users who frequently use Apple Pay.


  • No annual, late or foreign transaction fees
  • Up to 3% in unlimited Daily Cash rewards
  • Cohesion with Apple Savings account
  • Up to five users with Apple Family


  • Requires an Apple Watch or iPhone with iOS 12.4 or later
  • Good credit likely required
  • No 0% intro rate offer

Who is the Apple Card best for?

If you already use Apple Pay on the regular, this might be a great addition to your Wallet. As a regular Apple Pay user, the Apple Card can be a simple way to stack up rewards, with cash back ranging from 2% to 3% on all purchases made through Apple Pay.

The card is extra sweet if you’re a T-Mobile customer because you can earn rewards for paying your phone bill. You can earn 3% Daily Cash at T‑Mobile US stores and 3% Daily Cash for automatic bill payments.

If you frequently purchase Apple products, such as MacBooks or iPads, then the Apple Card offers additional benefits. With the Apple Card, you get 0% APR when you purchase a new iPhone, iPad, Mac, Apple Watch or other eligible accessories using Apple Card monthly installments.

What we like about the Apple Card

Many credit cards charge annual fees, typically around $90. But you’ll pay no annual fees with the Apple Card. There are also no late, over-the-limit or foreign transaction fees.

Apple also offers Apple Card Family. You can invite an adult co-owner to share equal responsibility and benefits for the account and add participants aged 13 or older to spend within limits and earn Daily Cash. You can add up to four other people to share the account with and access this function in the Wallet app for quick adds.

Daily Cash rewards

There’s no limit to how much Daily Cash you can earn, and you get the most rewards by using Apple Pay.

Unlike other cashback programs, Apple posts Daily Cash directly to your Apple Card account, allowing you to spend your rewards almost immediately. You can redeem Daily Cash earned using Apple Pay, send it to other Apple users through iMessages or opt to send the rewards to your Apple Savings account if you get one.

RewardHow to earn
  • All Apple purchases
  • U.S. Nike store purchases
  • Select Panera Bread purchases
  • Walgreens purchases
  • Exxon Mobil purchases
  • Ace Hardware purchases
  • Uber purchases
  • T-Mobile purchases and auto bill pay
2%Purchases through Apple Pay
3%Purchases with physical card

Increase rewards with high-yield Apple Savings Account

Apple now offers the Apple Savings Account in conjunction with the credit card. To get the savings account, you need the Apple Card — and they work great together.

With the account, Daily Cash earnings are automatically transferred into the high-yield account, which has an impressive 4.15% APY. The account also comes with no fees, no balance requirements and no opening deposit.

The 4.15% APY is higher than the national average by a large margin and beats out a lot of the competition.

Simple application and fast delivery

The application for the card takes minutes, and you can do it right in your Wallet app. Once approved, the Apple Card is immediately added to your mobile wallet so you can use it right away. Apple will also ask if you want an optional physical card, which takes four to seven days to arrive.

Where the Apple Card falls short

If you don’t have an iPhone, you can’t qualify for the Apple Card. You’re also required to have an iPhone iOS 12.4 or later.

Exact credit score requirements aren’t clear, but Apple does state that credit scores above 660 are considered favorable for approval. To see if you’re eligible, you’ll have to apply and wait for a credit decision, which is done with a soft credit check.

Unlike some of the best credit cards, Apple doesn’t offer a 0% introductory rate offer (except on select Apple product purchases), and there are no reward options for frequent flyers.

Also, unlike most other credit cards, there are no cash advance features, so you can’t use your Apple Card to withdraw money from an ATM.

Apple Card fees

Type of feeDetails
Annual fee$0
Foreign transaction fee$0
Card replacement fee$0
Over-the-limit fee$0

Compare Apple Card to other credit cards

Narrow down top credit card offers by credit score requirements, annual fees and rewards. Tick the Compare box to see up to four offers side-by-side for a closer comparison.

1 - 5 of 24
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Quicksilver Cash Rewards Credit Card
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Up to 1.5% cash back
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). See rates & fees
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
Up to 3% cash back
Earn $200 statement credit after spending $2,000 in the first 6 months on Amex’s flagship everyday cashback card. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
$250 statement credit after spending $3,000 in the first 6 months
Up to 6% cash back
$0 intro annual fee for the first year ($95 thereafter)
Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
Up to 5% cash back
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit. See rates & fees
Capital One SavorOne Cash Rewards for Good Credit
Capital One SavorOne Cash Rewards for Good Credit
Up to 10% cash back
Made for people with good credit to enjoy the same $0 annual fee and rewards as the Capital One SavorOne Cash Rewards Credit Card. See rates & fees

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