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Apple Card

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Designed for use with Apple Pay, this titanium card optimizes rewards for Apple products by offering 3% cash back on just about everything directly offered by Apple. You can apply for this card through the iPhone Wallet app and begin using it instantly if you’re approved. Apple has emphasized security with this card by removing credit card numbers from the physical card itself, and offering virtual card numbers for online purchases.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 12.74% — 23.74% Variable

Apple Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 3% cash back at:
    • Apple in store or online
    • iTunes
    • App Store
    • Uber/Uber Eats (when using Apple Pay)
  • 2% cash back every time you use Apple Pay
  • 1% cash back on everything else

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee $0
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Apple Card


  • 3% cash back at Apple, iTunes, and the App Store
  • 3% cash back with Uber/Uber Eats when paying with Apple Pay
  • 2% cash back every time you use Apple Pay
  • No annual fee
  • Managed through the iPhone Wallet app

Goldman Sachs

The Apple Card is a new kind of credit card product with impressive privacy assurances. It’s primarily designed for use with Apple Pay.

The physical Apple Card is a laser-etched titanium card without a card number, CVV, expiration date, or signature box. The card includes an EMV chip for Chip-and-Signature transactions, as well as a silver magnetic stripe on the back. Capitalizing on Apple’s already-existing security features of Apple Pay, you’ll be able to find a virtual credit card number for online purchases in the Wallet app on your iPhone. It’s easy to request a new number at any time if you think the number has been compromised.

The card earns 3% cash back on everything you buy from Apple (in-store or online), the App Store, or iTunes, as well as with Uber and Uber Eats when using Apple Pay. You’ll get 2% cash back every time you use Apple Pay, on anything and everything, without limits. For all other purchases, you’ll still get 1% cash back. All of your cash back goes directly to your Apple Cash card in the Wallet app the next day, where you can spend it with the press of a button.

Beyond interest fees if you don’t pay your full statement balance each month, there are no additional fees, including no late fees, no annual fee, and no foreign transaction fee. This card doesn’t even have penalty fees if you happen to miss a payment!

Jennifer Bailey, Apple’s vice president of Apple Pay, said that the “Apple Card is designed to help customers lead a healthier financial life, which starts with a better understanding of their spending…” Apple encourages this with some rather unique systems such as smart payment suggestions, weekly or biweekly payments, utilizing Maps to show the exact locations of purchases, and even making your card due date on the last day of the month so it’s easier for you to remember.

One particularly innovative feature is the one-time dynamic security code used for Apple Pay transactions. Utilizing Face ID or Touch ID, the Apple Card uses a “unique security and privacy architecture” so that nobody, even the people at Apple themselves, will know where you make your purchases and how much they cost.

To get this card, you can apply through the iPhone Wallet app and start using it with Apple Pay right away online, in apps and in store. The Wallet app is where you can manage your card, see real-time transactions and balance history, and access 24/7 card support.

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