Goldman Sachs · Mastercard
Apple Card
No annual fee · 2% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
Non-cash perks
- 3% Daily Cash on purchases from Apple and at select merchants when using Apple Pay
- No fees of any kind: no annual, foreign transaction, or late fees
- Daily Cash can auto-deposit into a high-yield Apple Savings account
- Issuer transition: JPMorgan Chase announced (Jan 2026) it will take over from Goldman Sachs over roughly 24 months; card stays on the Mastercard network and terms unchanged for now
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: www.apple.com · learn.applecard.apple. Spot an error? Tell us.