Apple Card

Goldman Sachs

Earning Structure

3% Daily CashApple Pay purchases made directly with Apple (including Apple Stores, App Store, and Apple services), Ace Hardware, Booking.com, ChargePoint, Duane Reade, Exxon and Mobil, Hertz, Nike (US stores, Nike.com, Nike apps), Uber and Uber Eats, Walgreens3%

2% Daily CashAll other purchases made using Apple Pay2%

1% Daily CashPurchases made with the physical titanium card or card number1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Apple Pay purchases made directly with Apple (including Apple Stores, App Store, and Apple services), Ace Hardware, Booking.com, ChargePoint, Duane Reade, Exxon and Mobil, Hertz, Nike (US stores, Nike.com, Nike apps), Uber and Uber Eats, Walgreens?Is this the best card for All other purchases made using Apple Pay?Is this the best card for Purchases made with the physical titanium card or card number?

Benefits

Protections (1)

Mastercard ID Theft Protection — Monitors for signs of identity theft with credit monitoring and 24/7 resolution services

Other Perks

Apple Pay financing with 0% APR on eligible Apple purchases (Apple Card Monthly Installments)
High-yield Apple Savings account for Daily Cash (variable APY)
Hertz rental car benefits: minimum 5% off Pay Later base rates, free emergency roadside service, one free additional driver, discounted Loss Damage Waiver ($16.95/day)
Booking.com Travel Credits (2% on eligible stays and car rentals booked through exclusive link)
Uber One 6-month free trial for new or returning subscribers
Apple Card Family: share account with up to 5 people, participants can build credit history
ShopRunner membership with free 2-day shipping and free returns at 100+ stores
No late fees, no over-limit fees, no penalty APR