CardPolo
US
Goldman Sachs / Apple
Apple Card
🇺🇸 United States · Goldman Sachs / Apple

Apple Card

Apple ecosystem users, daily cashback, instant in Wallet.

4.4 / 5
Joining fee
$0
Annual fee
$0
Top reward
3%
Min income
None stated
Apply at Goldman Sachs / Apple← Back to all cards

External link to Goldman Sachs / Apple’s own application page.

The Apple Card has no annual fee. It earns 3% on shopping and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Apple Card actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$324
Annual feeNo fee
Cumulative net value
+$1,620
over 5 years
Year 1
$324
+$324/yr
Year 2
$648
+$324/yr
Year 3
$972
+$324/yr
Year 4
$1,296
+$324/yr
Year 5
$1,620
+$324/yr
Year 1 (with bonus)
$324
Year 2+ (steady state)
$324/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Apple Card earn?

What you earn back, by category.

shopping
3%
📈
Everything else
1%
📈
🎁
Welcome bonus

No welcome bonus, daily cashback model

What do you get with the Apple Card?

  • 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
  • 2% Daily Cash on all Apple Pay transactions
  • 1% Daily Cash on physical-card purchases
  • No annual fee, no foreign transaction fee, no late fees
  • High-yield savings account at 4.4% APY
  • Privacy-first: no purchase data sold

Who qualifies for the Apple Card?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
No stated requirement
Min credit score
660+
Self-employed
Eligible

Apple Card FAQ

›What is the Apple Card annual fee?

The Apple Card has no annual fee.

›What does the Apple Card earn?

It earns 3% on shopping and 1% on everything else.

›What is the Apple Card forex markup?

The Apple Card charges 0% forex markup on foreign-currency spends.

›What income do you need for the Apple Card?

Goldman Sachs / Apple publishes no minimum income requirement for this card; approval rests on your credit profile.

›What is the Apple Card welcome bonus?

No welcome bonus, daily cashback model.

›Are these Apple Card figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.

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