Cash Back card · Goldman Sachs
Apple Card
Apple Card is Apple's card: 3% back at Apple and select merchants, 2% back on Apple Pay, and 1% back on the physical card, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Goldman Sachs |
|---|---|
| Network | Mastercard |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Who it is built for
Built for iPhone owners who pay with Apple Pay.
History
Apple launched Apple Card in 2019 with Goldman Sachs as its issuing bank, built around Apple Pay and the Wallet app.
Current details — visit the official Apple Card page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Blue Cash Everyday Card from American Express
3% cash back at US supermarkets (up to $6,000 in purchases a year), at US online retail and at US gas stations, and 1% cash back on everything else.
Frequently asked questions
What is the Apple Card?
Apple Card is Apple's card: 3% back at Apple and select merchants, 2% back on Apple Pay, and 1% back on the physical card, with no annual fee as of 2026.
Does the Apple Card have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Apple Card earn?
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Who issues the Apple Card?
The Apple Card is issued by Goldman Sachs and runs on the Mastercard network.
Sources
- https://en.wikipedia.org/wiki/Apple_Card — Card history
- https://www.apple.com/apple-card/ — Apple's card page
Page last updated 14 November 2026.