Apple Card
Goldman SachsNo annual feeWorld Elite MastercardNo foreign transaction feeIssuer's page
Already have it? Keep it.
No current offer
Earning
| Rate | Category | Return |
|---|---|---|
| 3% | Purchases made directly with AppleApple Stores, apple.com, the App Store, and Apple services such as Apple Music, Apple TV and Apple Arcade | 3% |
| 3% | Apple Pay purchases at Ace Hardware, Booking.com, ChargePoint, Duane Reade, Exxon and Mobil, Hertz, Nike (US stores, Nike.com, Nike apps), Uber and Uber Eats, Walgreens | 3% |
| 2% | All other purchases made using Apple Pay | 2% |
| 1% | Purchases made with the physical titanium card or card number | 1% |
Personal card · Earns Cash Back
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
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Apple CardOct 8, 2026
- changed from null to Status: unknown; Sign up bonus snapshot: nullOct 4, 2026