Our illustration, not the card’s design
Apple credit card
Apple Card
- APR up · 17.49% to 17.74% · Nov 1, 2026
No annual fee. Purchase APR 17.74–27.99%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer document · goldmansachs.com · PDF
“Annual Fee None”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer document · goldmansachs.com · PDF
“(APR) for Purchases 17.74% to 27.99% when you open your account, based on your”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
Issuer document · goldmansachs.com · PDF
“We do not add any foreign”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $120 | $120 | |
| Typical spender | $300 | $300 | |
| Heavy spender | $660 | $660 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2x when you use Apple Card with Apple Pay.
$120a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2x when you use Apple Card with Apple Pay.
$300a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2x when you use Apple Card with Apple Pay.
$660a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x when you use Apple Card with Apple Pay.
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 70% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 30% of the 651 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$310 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$300 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$300 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Apple Card Daily Cash
How you earn
- 3%
- at Appleat select merchants when you use Apple Pay
- 2%
- when you use Apple Card with Apple Pay
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Complimentary Uber One: 6 months (Redeem a six-month free trial when you use the provided link to sign up with your Apple Card using Apple Pay; fulfilled by Uber.)
- Get 2% in Booking.com Travel Credits on eligible stays and car rentals booked with Apple Card, fulfilled by Booking.com. You must use the Booking.com portal link for Apple Card customers.
- Hertz rental car savings and benefits, including at least 5% off Pay Later base rates, free emergency roadside service, discounted loss damage waiver vehicle protection, and a free additional driver at pickup. Access requires an exclusive link from the Rewards & Offers Hub in Apple Wallet.
- Apple Card Monthly Installments provide interest-free monthly payments on eligible Apple purchases, with 3% Daily Cash back on the purchase price of each product, all up front.
- Roadside
Changes
- Nov 1, 2026 APR 17.49% to 17.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer document · goldmansachs.com · PDF “Annual Fee None” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer document · goldmansachs.com · PDF “(APR) for Purchases 17.74% to 27.99% when you open your account, based on your” |
| Late payment | Receipt · Late paymentChecked Nov 8, 2026 Issuer's page · apple.com “No points to calculate.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 Issuer document · goldmansachs.com · PDF “We do not add any foreign” |
| Grace period | Receipt · Grace periodChecked Nov 8, 2026 Issuer document · goldmansachs.com · PDF “Your due date is at least 28 days after the close of each billing cycle.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · goldmansachs.com · PDF, since Nov 1, 2026
- Does it charge a foreign transaction fee?
- No. · goldmansachs.com · PDF, since Nov 1, 2026
- What is the purchase APR?
- 17.74–27.99% APR · goldmansachs.com · PDF, since Nov 1, 2026