GOLDMAN_SACHS
Apple Card benefits and annual fee
No annual fee · Earns Cash Back
Apple Card is a no-fee cash-back card built around Apple Pay, best for iPhone users who shop at Apple and select partners. It earns up to 3% Daily Cash back and lives entirely in the Wallet app.
Maintained by Creddy Editorial · Catalog checked Sep 14, 2026
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 2% |
Bonus category rates for this card are still being added.
How to evaluate this card
Compare the annual fee with benefits you can realistically use. Check enrollment requirements, merchant restrictions, reset timing, and the issuer's current terms before applying. Creddy shows face values for planning, but usable value depends on your account and spending.
Benefits
Bonus Earnings
- 1% Daily Cash Back with Titanium Card1% / yr
Earn 1% Daily Cash back on every purchase when you use the titanium Apple Card. Recurring purchase earn rate, not a one-time payout.
Checked Sep 14, 2026 - 2% Daily Cash Back with Apple Pay2% / yr
Earn 2% Daily Cash back when you pay with Apple Card via Apple Pay. Recurring purchase earn rate, not a one-time payout.
Checked Sep 14, 2026 - 3% Daily Cash Back at Apple and Select Merchants3% / yr
Earn 3% Daily Cash back at Apple and select merchants when you use Apple Card. Recurring purchase earn rate, not a one-time payout.
Checked Sep 14, 2026 - Booking.com Travel Credits2% / yr
Get 2% in Booking.com Travel Credits on eligible stays and car rentals booked with Apple Card through Booking.com subject to eligible booking, link, and payment restrictions. Recurring partner earn, not a one-time payout.
Checked Sep 14, 2026
Rental Car
- Hertz Rental Car SavingsEnrollment required
Get at least 5% off Hertz Pay Later base rates, plus free emergency roadside service, a discounted loss damage waiver, and a free additional driver at pickup. To access these savings, visit the Rewards & Offers Hub in Apple Wallet and use the exclusive link provided there. Benefits are fulfilled by Hertz.
Checked Sep 3, 2026
Fees & Miscellaneous
- Apple Card Family - Authorized User Daily Cash
Apple Card Family lets you share Apple Card benefits with family members and gives two partners the option to merge their credit lines into a single co-owned account. Both co-owners manage the account together and build credit equally. Family members don't need to be co-owners to be added and share benefits.
Checked Sep 3, 2026 - Apple Card Monthly Installments (Interest-Free Financing)
Split the cost of Apple products - including iPhone, Mac, iPad, and Apple Watch - into interest-free monthly payments. At checkout, choose Apple Card Monthly Installments and you'll also earn 3% Daily Cash back on the full purchase price upfront. Available on purchases made directly at Apple.
Checked Sep 3, 2026 - High-Yield Savings Account
Open a high-yield savings account directly in the Wallet app to automatically grow your Daily Cash earnings. You can also deposit funds from Apple Cash or a linked bank account to build savings faster. Account setup takes a few steps and your balance is visible at a glance in Wallet.
Checked Sep 3, 2026 - No Annual Fee
Apple Card charges no annual fee - ever. You keep every dollar of cash back you earn without any yearly cost eating into your rewards.
Checked Sep 3, 2026 - No Foreign Transaction Fees
Apple Card adds no foreign transaction fees on purchases made outside the U.S., whether you pay with Apple Pay or the physical card. No enrollment is needed - just use your card abroad as you normally would.
Checked Sep 3, 2026 - No Late Payment Fees
Apple Card charges no annual fee, no foreign transaction fee, no over-the-limit fee, and no late fee. You won't be penalized for carrying a balance or missing a payment, though interest will still accrue on unpaid balances.
Checked Sep 3, 2026 - Uber One Six-Month Free TrialEnrollment required
Get a six-month free trial of Uber One, which covers Uber ride discounts and Uber Eats perks. To redeem, sign up for Uber One through the dedicated link in Apple Wallet using Apple Card with Apple Pay. Available to new Uber One members only; fulfilled by Uber.
Checked Sep 3, 2026
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Apple Card questions
- Is the Apple Card worth its annual fee?
- Compare the current annual fee with the benefits and rewards you would actually use. A listed credit has less value if its restrictions do not fit your spending.
- What benefits does the Apple Card include?
- No trackable benefits are currently listed for this card. Check GOLDMAN_SACHS's current card terms for coverage.
- What is the Apple Card annual fee?
- Creddy's catalog currently lists no annual fee. Confirm current pricing with GOLDMAN_SACHS before applying or renewing.
- Does the Apple Card have a welcome offer?
- Offers change and can depend on eligibility. Check GOLDMAN_SACHS's current application terms for the available bonus, spending requirement and deadline.
- Who might benefit from the Apple Card?
- It may fit someone whose normal spending matches its earning rates and who can use enough listed benefits to justify the fee. Compare alternatives before applying.
- How does the Apple Card compare with other GOLDMAN_SACHS cards?
- Compare annual fees, earning rates and benefits across the GOLDMAN_SACHS cards in Creddy's catalog. The right choice depends on your spending and which perks you can use.