If you’re a loyal customer to Apple, consider looking into the Apple Credit Card, you might find yourself getting rewarded towards your next Apple purchase!
You can earn the best rewards towards Apple purchases where you can earn 3% back, while also earning 2% back on transactions made using Apple Pay.
Although there is no sign-up bonus, this card comes with no annual fee as well as no foreign transaction fee! Continue reading below if the Apple Credit Card is worth signing up for!
* The Apple Credit Card is issued by Goldman Sachs. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
Editor’s Note: Apple is increasing the Daily Cash on Apple Card from 3% to 6% on Apple purchases through December 31st. Direct link to offer.
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, TD Bank, Huntington Bank, BBVA, Discover Bank, and CIT Bank. See our best rates for Savings and CD too.
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Table of Contents
Apple Card Summary
|Foreign Transaction Fee||$0|
- Great rewards rate on Apple Pay purchases
- Financial-management tools
- Low end of APR range is among the best
- Only worth it for Apple users
- Sub-par rewards rate on non-Apple and non-Apple Pay purchases
- Few benefits
Editor’s Alternate Pick
The Chase Freedom Unlimited Card offers a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
In addition, you can earn:
• 5% on travel purchased through Chase,
• 3% on dining at restaurants and drugstores, and
• Unlimited 1.5% cash back on all other purchases.
There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open.
This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM.
Earning Points & Rewards
The Apple Card offer its own version of cashback rewards called ‘Daily Cash.’ Cardholders can earn:
- 3% Daily Cash on Apple purchases
- 2% on purchases made with Apple Pay
- (additional 3% when using Apple Pay for purchases from Walgreen’s, Duane Reade, Uber, UberEATS, T-Mobile store, Nike)
- 1% on purchased made at merchants that don’t accept Apple Pay.
There is no limit on the amount of Daily Cash you can earn and Daily Cash does not expire. Plus, if you choose to close the account and you have unredeemed Daily Cash, the bank will either credit it to your account, send it to you electronically, or mail you a check.
Daily Cash automatically goes on your Apple Cash card, which you can use on anything that you pay for using Apple Pay. If you don’t have an Apple Cash account, your Daily Cash will be redeemed as a statement credit.
Apple Card Features
Since it doesn’t offer things like cash advances or balance transfers, Apple Card has very few fees. Late or missed payments don’t carry a fee, but it will result in additional interest accumulating on your balance.
Plus, most merchants in different countries accept Apple Pay, so if you happen to come across by one, Apple Card doesn’t charge a foreign transaction fee.
Both the physical and virtual Apple Cards have no numbers on them. For non-Apple Pay transactions on apps or websites requiring a card, the Wallet app or Safari web browser autofills a virtual card number.
The Apple Card through your wallet app has a built-in spending summary. Spending summaries help see and track where you money goes; everything is color coded, so you can pinpoint which area you spent the most.
The spending summary can be viewed weekly or monthly. For chronic over-spenders, this could curve spending.
Another convenient feature, that allows you to locate your transactions. Apple Card uses the Maps app to help you pinpoint where you made your purchases!
The Apple Credit Card is a good option for those who spend a lot at Apple since you get 3% cashback! The numberless card feature is its most recognizable characteristic, it’s meant to be a safer option that could help with reducing skimming accidents!
However, there are a few downsides with this card like no sign-up bonus and if you lose your phone, it’s a big security risk since your card is on it.
If you’re interested on what more Apple has to offer, check out the latest Apple promotions for this month! While you’re here on HMB, Be sure to check out more credit cards from our latest list best credit card bonuses!
(Visit Apple.com to learn more about this card and its features)
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Who’s the Competition?
There are other credit card options with sign-up bonuses and better rewards! Good examples include the following: Wells Fargo Propel American Express® Card, American Express® Gold Card, ABOC Platinum Rewards Credit Card, Chase Freedom® card, and Capital One® Savor® Cash Rewards Card.
The Wells Fargo Propel American Express® Card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value.
You'll earn 3X points for:
• eating out and ordering in
• gas stations, rideshares and transit
• travel including flights, hotels, homestays and car rentals
• on popular streaming services
• 1X points on other purchases
This card comes with no annual fee.
The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
You'll have the opportunity to earn:
• 4X Membership Rewards Points on Restaurants worldwide, including takeout and delivery, plus, earn 4X points for Uber Eats purchases too.
• 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
This card has an annual fee of $250 with no foreign transaction fees (See Rates & Fees). Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. You'll also get $120 Uber Cash: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
The Chase Freedom Flex offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
• 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter!
This card has no annual fee.
The Capital One SavorOne Cash Rewards Credit Card offers a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.
You'll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards.
This card comes with no annual fee and no foreign transaction fees.
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