Apple Card
By Alex Compton · Last verified
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-05 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus; card terms reconfirmed | Apple Card product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus | Archive record · no attached snapshot |
| 2024-01 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Terms reconfirmedNo public welcome bonus | Archive record · no attached snapshot |
| 2019-08 | $0 | No recorded spend | Earliest recordNo public welcome bonus | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
No public welcome bonus; Daily Cash rates, current merchant partners and transition timeline reconciled from Apple sources
Fields: currentOffer, offerHistory, earningRates, benefits, cons, lastVerified
Apple Card product page →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
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Earning Rates
- 3xApple and select Apple Pay merchantsCurrent list includes Ace, Booking.com, ChargePoint, Duane Reade, Exxon Mobil, Hertz, Nike, Uber, Uber Eats and Walgreens
- 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
- ✦Booking.com portal travel credits, a six-month Uber One trial and Hertz benefits through current partner offers
- ✦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
- −Chase is expected to replace Goldman Sachs as issuer around 2028; Apple says existing use continues normally during the transition
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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