The Apple Card's real value is simplicity for Apple Pay users: 2% Daily Cash on any purchase you pay through Apple Pay, with no annual fee and no foreign transaction fee. It goes up to 3% on Apple purchases and at a short list of merchants when paid with Apple Pay, including Nike, Uber, Walgreens, Booking.com, Exxon Mobil, and Hertz. The catch is that the physical titanium card earns only 1%, so its true base rate is 1% anywhere Apple Pay is not accepted, and that is a weak number next to flat-rate cards that pay more on every swipe. There is also no signup bonus listed. Booking.com travel credits, a six-month Uber One trial, and Hertz rental discounts are nice extras, but this card mainly makes sense if nearly all of your spending already goes through your iPhone.
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 |