- 1.5% on all purchases
- No annual fee
- Doesn't count toward 5/24
Apple Card
MastercardGoldman Sachs・Mastercard・No.034
A painless entry card for iPhone users: relatively friendly approval and instant use.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: apple.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Reward highlights
- 2% via Apple Pay
- 3% on Apple products
- Best-in-class app experience
Who it's for
Best for iPhone users who want a simple, well-designed first card.
Good for
Key benefits
- 3% Daily Cash on Apple purchases and select partners
- 2% Daily Cash when paying with Apple Pay
- No fees of any kind, including no foreign transaction fee
- Built-in budgeting tools in the Wallet app
Rates & fees
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Frequently asked questions
Does the Apple Card have an annual fee?
No, it has no annual fee and no foreign transaction fee.
What credit score do I need?
It is relatively accessible and can be approved with fair credit around the mid-600s.
Who is this card best for?
Best for iPhone users who want a simple, well-designed first card with instant use through Apple Pay.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.