ccdeck
Mastercard

Apple Card

Apple Card is a no-fee Mastercard built for iPhone users, with 3% Daily Cash at Apple and select Apple Pay merchants, 2% with Apple Pay, and 1% on other purchases. Its best feature is operational clarity: Daily Cash is easy to route, fees are unusually absent, and the application shows an offer before a hard inquiry if you do not accept. The tradeoff is that the card is thin outside Apple Pay, has no public welcome offer, and does not publish a card-specific insurance package.

Apply at Goldman Sachs Bank USA Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Apple Card card art
  • Annual fee
    Free
  • Welcome offer
    No fixed public welcome offer disclosed
    No fixed public welcome offer was found on the captured Apple marketing, Apple support, or Goldman Sachs agreement sources for the 2026-07-13 scrape.
  • Recommended credit
    600-760
    Median 690. See why →

Earning rates

on Apple Daily Cash
  • 3x
    Apple And App Store
    Apple direct only
  • 3x
    Bonus Daily Cash Merchants
    Select merchants
  • 2x
    Apple Pay
    Apple Pay required
  • 1x
    Everything else

Benefits and credits

Purchase and protection benefits

  • No Liability for Unauthorized Transactions

financing

  • Apple Card Monthly Installments
  • No Annual, Transaction, Penalty, or Other Fees

rewards

  • Daily Cash to Apple Cash, Savings, or Account Credit

service

  • Apple Card Family Credit Reporting
  • Apply Without Initial Credit-Score Impact
  • Instant Wallet Access on Acceptance

Pricing and fees

Full Pricing and Terms
Purchase APR
17.49% to 27.74%
Foreign tx
None
Penalty APR (cap)
Not disclosed
Balance transfer
Not disclosed
Fee Not disclosed
Cash advance
Not disclosed
Fee Not disclosed
Late / returned
$0 · $0

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Eligibility requirement
    To access and use all Apple Card features, the card must be added to Wallet on an eligible iPhone or iPad with the latest supported iOS or iPadOS version. Applicants must be qualifying U.S. applicants and Apple Card is subject to credit approval.
  • Authorized user fee
    Not disclosed
  • Reports AU to bureaus
    Conditional
    Apple Card account owners and co-owners are reported as owners. Participants age 18 or older can opt in to build credit and be reported as authorized users.
    Issuer policy
  • Welcome offer eligibility

    Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons
  • PayPal Cashback Mastercard card art
    PayPal Cashback Mastercard
    Synchrony · Mastercard

    The PayPal Cashback Mastercard earns 3% cash back when you check out with PayPal and 1.5% everywhere else Mastercard is accepted, uncapped and with no annual fee, which makes it the strongest published no-fee rate on PayPal checkout spend.

    $0 annual fee
    View card Compare
  • JetBlue Card card art
    JetBlue Card
    Barclays · Mastercard

    The JetBlue Card is Barclays' entry point into the TrueBlue program, and it earns its $0 annual fee by staying simple: 3X on JetBlue purchases, 2X at restaurants and grocery stores, and 1X on everything else, with no rotating categories to track.

    $0 annual fee
    View card Compare
  • Chase Freedom Unlimited card art
    Chase Freedom Unlimited
    Chase · Visa

    The Freedom Unlimited is a no-annual-fee workhorse that earns 1.5% on everything, with elevated rates on dining, drugstores, and Chase Travel.

    $0 annual fee
    View card Compare

Sources

Data current as of September 4, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.