My cards

Apple Card

Chase · Mastercard · $0 annual fee

Compare this card →View full details
670
Min Score
17.49–27.74%
APR Range
No
Foreign Fee
None
Late Fees
$0
Annual Fee
No Sign-Up Offer
Up to 3% back, every day
Paid daily — not monthly
Apple Card has no welcome bonus. Instead, Daily Cash lands in your Apple Cash balance every single day, and you can spend it immediately or put it toward your card balance.
How You Earn · Daily Cash per $1
Apple
3%
Apple purchases & select partner merchants
Apple Pay
2%
Anything paid with Apple Pay
Purchases
1%
The titanium card or card number

What you get with the card — tap a row for details.

3%Where the 3% actually applies▾
3% Daily Cash at Apple (Apple Store, apple.com, App Store, Apple services) and at a rotating list of partner merchants that has included Uber and Uber Eats, Walgreens, Nike, T-Mobile, Panera, Ace Hardware and ExxonMobil — but only when you pay with Apple Pay. Apple updates the partner list periodically, so check the Wallet app.
1%The catch: 1% without Apple Pay▾
Swipe the physical titanium card — or type the number into a site that doesn’t take Apple Pay — and you drop to 1% back. That’s below a basic flat-rate cash-back card. Apple Card only makes sense if you pay with Apple Pay nearly everywhere.

No foreign transaction fees. Requires an iPhone with the latest iOS to apply and manage the account.

The latest changes to this card — newest first. Verified against issuer announcements.

January 2026NEW

Chase is the new Apple Card issuer

Apple and JPMorgan Chase confirmed that Chase is taking over the Apple Card from Goldman Sachs, which is exiting consumer lending. The handover is rolling out over roughly 24 months — cardholders keep using the card as normal in the meantime.

2026

What is not changing

The 3% / 2% / 1% Daily Cash structure, the Mastercard network, Apple Card Family, the Wallet spending tools and the no-fee policy all carry over to Chase. Apple has said the core card experience stays intact.

2026

Apple Savings won’t move automatically

If you have an Apple Savings account, it lives at Goldman Sachs and will not transfer on its own. Chase is expected to launch its own Apple savings product — you’ll have to decide whether to keep the Goldman account or open a new one.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Apple before applying.