The Apple Card fits a phone-first wallet better than almost anything else: 2% Daily Cash on any purchase you pay for through Apple Pay, and 3% on Apple's own purchases and a fixed list of partners including Nike, Uber, Walgreens, Booking.com, Exxon Mobil and Hertz when you pay that same way. The condition attached to those rates is the whole story. Tap or swipe the physical titanium card instead and you earn 1%, which is the card's true base rate, so the value depends entirely on how many of the places you shop accept Apple Pay. There is no annual fee and no foreign transaction fee, so holding it costs nothing, and extras like a six-month Uber One trial and 2% in Booking.com travel credits on stays booked through the Apple Card portal are modest but real. If a lot of your spending happens where Apple Pay does not reach, a flat 2% card will simply beat it.
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 |