Goldman Sachs
Apple Card
The Apple Card is built for Apple users who want a simple cash-back card with no annual fee and easy day-to-day use through Apple Pay. It works best as an everyday spending card if you regularly pay with your iPhone, but it is much less appealing for purchases that still end up on the physical card.
Annual Fee
$0
Rec. Credit Score
Rebuilding
Good For
Apple Pay users
All information about Apple Card has been collected independently by MaxRewards. Apple Card is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Apple Card worth it?
This card is great for...
Apple Pay purchases
Apple and partner spending
No-fee international use
The Apple Card is worth considering if you live in the Apple ecosystem, use Apple Pay often, and want uncomplicated cash back without an annual fee. The strongest value comes from earning 2% back anywhere Apple Pay is accepted, plus 3% back with Apple and a small group of partner merchants. For someone who taps to pay most of the time, that can make it a solid everyday card.
It is a weaker fit if many of your purchases still require the physical card, because those transactions earn just 1% back. There are also no listed travel or lifestyle perks to make up for that limitation. For most readers, this is a convenience-first card, not a high-value rewards card, and it makes the most sense when Apple Pay is already central to how you spend.
MaxRewards Verdict
The Apple Card fits Apple users who want straightforward cash back and make a lot of purchases through Apple Pay. If you need strong rewards beyond mobile wallet spending or want meaningful card perks, you will likely outgrow it quickly.
Earning
Rewards
Apple Card keeps rewards simple: cash back instead of points, with the return depending heavily on how you pay. The key distinction is between Apple Pay purchases, which earn better everyday rewards, and physical card purchases, which drop to a much lower rate.
CategoryRate
Apple
3%
Exxon
3%
Mobil
3%
Nike
3%
Panera
3%
Uber
3%
Uber Eats
3%
Walgreens
3%
Apple Pay
2%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
10.99% - 21.99%
Variable
Foreign Transaction Fee
None
Late Payment
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.