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Apple Card
Goldman Sachs|Personal
4/5
Annual Fee
$0
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Is this card worth it?
Annual fee
$0
Best for
Cashback
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Earning rates
1Daily 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
1Daily 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)ShowHide
- 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/)
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