Apple Card
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Apple. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Apple Card nets $468 a year, after its fee. The biggest line is groceries, at $192. For the family on our home page, set against the 12 cash back cards we’ve confirmed, its estimate would place ninth.
The Fidelity Rewards Visa Signature, just above it among the confirmed cards, nets the same in year one and wins the tie on its fee. The U.S. Bank Smartly Visa Signature, just below it, nets the same. Judged on every year after the first instead, set against the 12 cash back cards we’ve confirmed, its estimate would place fifth.
It sits out of our best-of rankings and comparisons until we can pin one number, because its rate depends on how you pay: the 2% only with Apple Pay; the physical card pays 1%.
Who it fits
It fits if
- You want one card for everything: 2x on every purchase, with one condition: the 2% only with Apple Pay; the physical card pays 1%.
- You want no annual fee.
Look elsewhere if
- Your credit is fair or thin: approval usually needs good credit.
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 October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 2 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
No. Its rates apply to all of your spending, with no yearly cap.
How is the cash back paid?
As cash rewards, a dollar for a dollar, so our figures count it at face value.
What does it earn on each purchase?
2x on every purchase, with one condition: the 2% only with Apple Pay; the physical card pays 1%.
Where the rankings stand
The Apple Card sits out of these until we can pin one number, because its rate depends on how you pay: the 2% only with Apple Pay; the physical card pays 1%.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
More cards like this
- Yearly fee $0Chase Freedom FlexChase · for rotating categories, 5x each quarter
- Yearly fee $0Fidelity Rewards Visa SignatureFidelity · for Fidelity account holders, 2x when deposited into Fidelity
- Yearly fee $0U.S. Bank Smartly Visa SignatureU.S. Bank · for one card on everything, 2x
The three cash back cards beside this one on our list of every card. See every card