Apple Card
Goldman Sachs (Apple) · Mastercard
4/5 RatingGood (670+)
Key Details
- Annual Fee
- None
- Regular APR
- 19.24%–29.49%
- Intro APR
- None
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- N/A
- Rewards Rate
- 1%–3% Daily Cash
Sign-Up Bonus
None (occasional promotional offers)
Rewards Structure
- Apple purchases3%
- Select merchants via Apple Pay3%
- Apple Pay purchases2%
- Physical card purchases1%
Pros
- ✓No annual fee or foreign transaction fees
- ✓Daily Cash paid daily, not monthly
- ✓Clean Apple Wallet integration
- ✓No late fees
- ✓Titanium physical card
Cons
- ✗Only 1% with physical card
- ✗Requires Apple devices
- ✗No traditional sign-up bonus
- ✗Limited to Apple ecosystem
Who Should Get This Card?
Apple enthusiasts who primarily use Apple Pay. Best for those who buy Apple products regularly and prefer a streamlined mobile experience.