Quick verdict
Best for iphone users who pay with apple pay everywhere. Skip if you don't use apple pay regularly — the 1% physical-card rate is terrible. android users need not apply. if you want maximum rewards on specific categories, dedicated cards like citi custom cash or blue cash preferred earn more.
🎁 Welcome bonus
3% Daily Cash on all Apple purchases in the first 3 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Apple (Apple Pay, Apple Store, Apple services) | 3% | cash back |
| All other Apple Pay purchases | 2% | cash back |
| Physical card purchases (non-Apple Pay) | 1% | cash back |
Points/miles valued at 1.00¢ each (CreditStud.io estimate based on typical travel redemption).
✨ Perks
- Daily Cash deposited daily to Apple Cash
- No fees — no annual, late, over-limit, or foreign transaction fees
- Real-time transaction notifications and categorization
- Enhanced security — card number generated per transaction in Wallet
- Apple Music, Apple TV+, Apple Arcade, and iCloud+ get 3% back
- Installment payments via Apple Pay Later for Apple purchases
- Physical titanium card (no number printed on card)
- Spending estimates and interest projections before purchases
🎯 Who should consider this card
✅ Best for
- iPhone users who pay with Apple Pay everywhere
- People who want the simplest credit card experience possible
- Apple ecosystem users (Apple Music, TV+, iCloud subscriptions)
- People rebuilding credit who want a no-fee, no-penalty card
❌ Skip if
You don't use Apple Pay regularly — the 1% physical-card rate is terrible. Android users need not apply. If you want maximum rewards on specific categories, dedicated cards like Citi Custom Cash or Blue Cash Preferred earn more.
📋 Application tips
Credit needed
Fair to Excellent (640+)
Issuer rules
No restrictions on number of applications, but Goldman Sachs uses a soft pull for pre-approval. Must have an iPhone to apply and manage the card.
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.
⚖️ Compare to similar cards
❓ Frequently asked questions
Is the Apple Card a good credit card?
It's the best no-fee card if you pay with Apple Pay at most places. The 2% on all Apple Pay purchases beats most flat-rate cards, and Daily Cash hitting your Apple Cash immediately is unmatched. But if you frequently use the physical card, you're earning just 1% — worse than basic 2% cards. It's a great companion card, not a primary card for non-Apple Pay users.
What is Daily Cash and how does it work?
Daily Cash is Apple's term for cash back. It's deposited to your Apple Cash card every day — not monthly, not as a statement credit, but literally daily. You can spend it immediately via Apple Pay, send it to people, transfer it to your bank, or apply it to your Apple Card balance.
Does the Apple Card help build credit?
Yes — it reports to all three credit bureaus (Equifax, Experian, TransUnion). The lack of late fees means a missed payment hurts your credit but doesn't add penalty charges. Goldman Sachs also offers a "path to Apple Card" program that helps you improve your credit to qualify.
What's the catch with no fees?
No catch — there are truly no fees. No annual fee, no late fee, no over-limit fee, no foreign transaction fee. Goldman Sachs makes money from interest on carried balances and from Apple's partnership. This makes it one of the most consumer-friendly cards available, even if the rewards aren't category-leading.
Can I use the Apple Card without an iPhone?
No. The Apple Card requires an iPhone running iOS 12.4 or later. You apply through the Wallet app, manage it in Wallet, and use Apple Pay for the 2–3% rates. Without an iPhone, you can't apply, manage, or maximize the card.
How does the Apple Card compare to the Citi Double Cash?
Citi Double Cash gives 2% on everything (1% when you buy + 1% when you pay) regardless of payment method. Apple Card gives 2% only with Apple Pay and 1% with the physical card. If you Apple Pay everywhere, they're equivalent. If you ever use the physical card, Double Cash is better. Apple Card wins on UX and daily deposits; Double Cash wins on consistency.