Apple Card
Goldman Sachs · Cashback · Daily Cash
This comprehensive guide covers the Apple Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Apple Card from Goldman Sachs offers cashback rewards credited as daily cash at 3%. Top earning categories include 3% cash back on apple and select merchants and more. This card has no annual fee.
Best for: Apple · Electronics Accessories, General Online, Grocery, Fuel
Top Merchants
Reward Examples
Spend $1,000 on Apple → earn $30 (3%) · 3% cash back on Apple and select merchan
Spend $1,000 on General online → earn $20 (2%) · 2% cash back on all purchases with Apple
Spend $1,000 on General online → earn $10 (1%) · 1% cash back on all other purchases (usi
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 3% 3% cash back on Apple and select merchants
- 2% 2% cash back on all purchases with Apple Pay
- 1% 1% cash back on all other purchases (using physical card)
Important Notes
- Daily Cash credited to Apple Cash card daily — no minimum to redeem.
- No foreign transaction fees.
- Physical titanium card only earns 1%; Apple Pay required for 2%.
- 3% at select merchants includes Nike, Uber, Walgreens, Panera, Exxon/Mobil — merchant-specific.
- Requires iPhone to apply and manage; tight Apple ecosystem integration.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Apple Card vs Similar Cards
- Alliant Cashback Visa® Signature Card — 3% top rate · $0
- Alliant Platinum Visa® Card — 2% top rate · $0
- Blue Cash Everyday Card from American Express — 3% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Apple Card for its bonus categories: Electronics Accessories, General Online, Grocery, Fuel, Transit.