The Apple Card's real draw is friction-free 2% Daily Cash on anything you pay for with Apple Pay, with no annual fee and no foreign transaction fees. That rises to 3% on Apple's own purchases and a short list of partner merchants including Nike, Uber, Walgreens, Booking.com, Hertz, and Exxon Mobil, again only through Apple Pay. The condition is the whole story: swipe the physical titanium card and you drop to 1%, a below-average base rate, so the card pays off only if Apple Pay covers most of your spending. There are no rotating categories, no transfer partners, and no signup bonus, so what you see is what you get. Extras like 2% in Booking.com Travel Credits through the Apple Card portal and the Hertz rental discounts are pleasant but minor.
Earn rates & credits
| Category | Rate |
|---|---|
Online Shopping Apple purchases and select merchants via Apple Pay (Nike, Uber, Walgreens, Booking.com, ChargePoint, Duane Reade, Exxon Mobil, Hertz, Ace Hardware) | 3% |
Mobile Wallet Purchases 2% Daily Cash on any purchase paid with Apple Pay; the physical titanium card earns 1% | 2% |
Everything Else Purchases made with the physical titanium card | 1% |
| Benefit | Value |
|---|---|
Booking.com Travel Credits 2% in Booking.com Travel Credits on eligible stays and car rentals booked through the Apple Card portal (in addition to 3% Daily Cash back). | 2% |
Uber One Free Trial Six-month free trial of Uber One when signing up with Apple Card through the designated link. | $6 |
Hertz Car Rental Benefits At least 5% off Hertz Pay Later base rates, free emergency roadside service, discounted loss damage waiver, and free additional driver at pickup. | 5% |
Card details
Regular APR | 17.49%–27.74% variable |
Foreign transaction fee | None |