Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All Cards
Verified May 2026

Apple Card

Goldman Sachs|Personal
4/5
Annual Fee
$0

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer
Is this card worth it?
Annual fee
$0
Best for
Cashback

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer

Benefits and fees last verified May 2026against the issuer's published terms.

Important considerations

  • Rewards do not transfer to travel partners

    Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.

Based on this card's terms last verified May 2026.

Apple Card

Goldman Sachs

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-23

No publishable welcome offer (no-current-offer).

  • Rewards do not transfer to travel partners. Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.

Computed 2026-08-25T22:26:46.661Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

1

  • Daily Cash is paid every day, not monthly: cash back posts to Apple Cash (or to Apple Card Savings, if enrolled) the day after each qualifying transaction settles. This is the only major U.S. credit card that pays rewards daily rather than at statement close or on monthly cycle (per Apple's Daily Cash terms and Goldman Sachs Apple Card customer agreement)

Transfer partners

1
Daily Cash 1:1 redemption: every 1% earned equals 1 cent of cash. There is no points conversion, no tiered award chart, and no transfer to airline or hotel partners. Daily Cash is real cash, not points, and can be spent or saved like any other balance in Apple Cash (per Apple's Daily Cash terms)

Perks & memberships

4
  • No foreign feesNo foreign transaction fees: Apple Card charges 0% on purchases made in foreign currencies or with merchants located outside the U.S. The card runs on the Mastercard World Elite network, which provides global acceptance. This makes Apple Card a legitimate no-FX-fee card for international spend, in line with premium travel cards (per Apple Card customer agreement, Section on Fees)
  • ConciergeMastercard World Elite network: Apple Card is issued on Mastercard's top consumer tier, which provides global acceptance, Priceless Specials promotional offers, and Mastercard's baseline World Elite network benefits (cellular Lyft credit promotions historically, ShopRunner free shipping, and Mastercard Travel & Lifestyle Services concierge access where Mastercard provides it; verify each benefit in the live Mastercard World Elite Guide to Benefits, as Mastercard updates network perks independently of Apple)
  • Authorized usersAuthorized users via Apple Card Family co-ownership: no separate authorized-user fee. Adult co-owners share equal account access, equal credit reporting, and equal responsibility for the balance. This is structurally different from a traditional Visa/Mastercard authorized-user setup (per Apple Card Family terms)
  • MembershipUber One six-month free trial partnership: new Uber One subscribers who sign up via the dedicated Apple Card link and use Apple Card with Apple Pay at checkout receive a six-month free trial of Uber One (Uber and Uber Eats benefits), in addition to ongoing 3% Daily Cash on Uber and Uber Eats spend via Apple Pay (per footnote 12 on apple.com/apple-card/)

Travel & purchase protections

2
  • $0 fraud liability: cardholders are not responsible for unauthorized charges, consistent with both Mastercard Zero Liability and Goldman Sachs' Apple Card customer agreement
  • Mastercard ID Theft Protection: free identity theft monitoring and resolution assistance provided to Mastercard World Elite cardholders, including Apple Card holders, by enrolling at mastercardus.idprotectiononline.com (network-level benefit, not an Apple-specific benefit; provided by Mastercard, not Goldman Sachs)
More benefits & fine print (10)Show
  • 3% Daily Cash on purchases made directly with Apple: Apple.com, Apple Store retail locations, the App Store, iTunes, Apple Music, Apple TV+, Apple Arcade, Apple News+, Apple Fitness+, iCloud+ storage, and AppleCare. The 3% rate applies whether paid with Apple Pay on the device or with the titanium card at an Apple Store (per Apple's Apple Card product page)
  • 3% Daily Cash at select merchants when paid with Apple Card via Apple Pay: T-Mobile, Walgreens, Duane Reade (Walgreens-owned chain in NY), Nike (Nike.com, Nike app, and Nike retail stores accepting Apple Pay), Exxon and Mobil (in-app payments via the Exxon Mobil Rewards+ app), Ace Hardware, Panera Bread (in-app/online orders and in-store via Apple Pay), and Uber and Uber Eats (per Apple Card merchant list footnote on apple.com/apple-card/, fetched 2026-05-23). Apple has added and removed merchants over time; verify the live list before claiming a specific brand
  • 2% Daily Cash on all other purchases made with Apple Card via Apple Pay, with no category restrictions, no caps, and no expiration. This is the practical default rate for everyday spend when the card is added to the iPhone or Apple Watch Wallet (per Apple's published earning structure)
  • 1% Daily Cash on purchases made with the physical titanium Apple Card or via the virtual card number when Apple Pay is not accepted. This includes most card-not-present websites that do not support Apple Pay at checkout (per Apple's product page)
  • Instant card issuance to iPhone and Apple Watch Wallet: when approved, the digital Apple Card is provisioned to the device immediately and can be used for Apple Pay purchases within minutes. The physical titanium card arrives by mail a few days later. There is no waiting period before earning Daily Cash (per Apple's Apple Card apply flow)
  • Apple Card Family: up to five participants (co-owners and additional participants ages 13+) can share a single Apple Card account, with both adults able to build credit history with Equifax, Experian, and TransUnion. Co-owners are jointly liable for the balance; participants under 18 do not have credit reporting (per Apple Card Family terms)
  • Privacy and security architecture: Apple Card uses a device-specific Card Number on the Secure Element, with a unique Dynamic Security Code for each transaction, so the real card number is not shared with merchants during Apple Pay purchases. The titanium card itself has no visible card number, no CVV, and no expiration date printed on the surface. Goldman Sachs is contractually restricted from selling or sharing Apple Card transaction data with third parties for marketing or advertising (per Apple Card customer agreement, Privacy section)
  • Wallet app spending tracking: transactions are auto-categorized in the Wallet app (Food & Drink, Shopping, Services, Transportation, Entertainment, Other), with weekly and monthly spending summaries, merchant logos and clean merchant names instead of cryptic credit-card descriptors, and Apple Maps integration showing the exact location of each purchase. No separate login or web portal is required for basic account management (per Apple's Wallet app documentation)
  • Payment Wheel and interest-savings tools: the Wallet app shows an interactive payment wheel that visualizes how much interest you'll pay based on your selected payment amount, helping cardholders avoid revolving interest. This is a UX feature unique to Apple Card and is highlighted on Apple's product page
  • Booking.com travel credit partnership: cardholders who access Booking.com via Apple Card's dedicated Booking.com portal (booking.com/c/apple-card) earn 2% Booking.com Travel Credits on eligible stays and car rentals in addition to 3% Daily Cash when paying with Apple Card via Apple Pay. The Travel Credits are fulfilled by Booking.com, not Apple, and have separate redemption terms (per the Apple Card / Booking.com partnership terms, footnote 11 on apple.com/apple-card/)

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

Compare cards side by sideBrowse all cards
How we verified this card (1 source)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

Start a trip search
Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.