Apple Card
The iPhone-native card. Daily Cash, no fees of any kind.
Welcome Bonus
None
No public welcome bonus
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
640+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xApple and select merchants (Uber, Nike, T-Mobile and others)
- 2xAll Apple Pay purchases
- 1xPhysical card purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Daily Cash lands the day after purchase, no waiting on statements
- ✦No annual fee, late fees or foreign transaction fees
- ✦0% Apple product financing for cardholders
- ✦Daily Cash can auto-deposit into a high-yield savings account
- ✦Best-in-class spend tracking inside Wallet
Why it earns its spot
- +2% on every Apple Pay tap is a strong effective flat rate
- +Zero fees of any kind
- +Savings account integration compounds the cash automatically
Where it costs you
- −1% on the physical card is weak when Apple Pay is not accepted
- −No welcome bonus, ever
- −Issuer transition away from Goldman Sachs has been in the works; servicing may change
The Compound Verdict
A genuinely good card for people who pay by phone. If most of your spend runs through Apple Pay, the effective rate beats many flat 2% cards once the savings auto-deposit is on. There has never been a welcome bonus, so there is no reason to wait for one.
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