The Apple Card is a simple, no-annual-fee card that rewards you for paying with Apple Pay: 2% Daily Cash on any Apple Pay purchase, and 3% on Apple purchases and at a short list of merchants such as Nike, Uber, Walgreens, Exxon Mobil, and Booking.com when paid through Apple Pay. There are no foreign transaction fees, and bookings through the Apple Card portal on Booking.com add 2% in travel credits on top of the 3% Daily Cash. The catch is that the physical titanium card earns only 1%, so the card's real base rate drops wherever Apple Pay isn't accepted. That makes it a strong fit for iPhone users who pay with their phone almost everywhere and a weaker one for anyone who still swipes or shops at stores without Apple Pay. There is also no signup bonus, so the value comes entirely from steady everyday use.
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 |