Apple Card

A no-fee card for iPhone users that pays the most when you use Apple Pay.

Who it's for

This card suits you if you have an iPhone and pay with Apple Pay often. You earn 3% at Apple and select merchants when you use Apple Pay, 2% on other Apple Pay purchases and 1% when you use the physical card. There's no annual fee, and the card is managed from the Wallet app, which shows your spending clearly.

Who should skip it

Skip it if you don't have an iPhone or rarely use Apple Pay, since most of your purchases would earn only 1%. Skip it if you want a high flat rate everywhere; a 2% card beats the physical Apple Card. And if you carry a balance, the regular APR still applies.

How to get the most from it

Add the card to Apple Pay and use your phone at checkout wherever you can to earn at least 2%. Buy Apple products and services with it for 3%. Use a flat 2% card where Apple Pay isn't accepted. Pay in full each month; the Wallet app makes it easy to see what's due. It has no foreign transaction fees, so it works on trips too.

Pros

• No annual fee
• 3% at Apple and select merchants with Apple Pay
• 2% on other Apple Pay purchases
• Easy to manage in the Wallet app
• No foreign transaction fees

Cons

• Only 1% with the physical card
• Needs an iPhone to apply and manage
• Few bonus categories outside Apple Pay

Frequently asked questions

Is the Apple Card worth it?

If you pay with Apple Pay often, yes. If you mostly swipe a physical card, a flat 2% card earns more.

Can you get an Apple Card without an iPhone?

You need an eligible Apple device to apply and manage the card.

Does the Apple Card have an annual fee?

No.

What credit score do you need for the Apple Card?

Apple doesn't publish a minimum. It generally goes to people with fair to good credit.