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Apple Card
Every rate below is the issuer’s own, verified August 25, 2026.
$0Annual fee
NoneWelcome bonus
2xOn everything else
Terms apply. See rates & fees on Apple. Rankings are pure math, never sold.
The rates
How it earns
Every rate here is the issuer’s published number. Points are valued conservatively, in cash-equivalent dollars.
Earn rates Apple Card
Everything else2x
Annual fee$0
Know before you apply
Plain facts
- Who gets approvedGood credit, around 670+. You need an iPhone. The 2% is for Apple Pay purchases — the physical card pays 1%, and Apple plus select partners pay 3%.
- The issuer’s terms governRates, fees and bonus conditions are set by Apple and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Apple’s own published terms, last verified August 25, 2026. An automatic check re-reads that page every day. On September 4, 2026 all 2 of the figures it watches here were still printed there.
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