Goldman Sachs · Mastercard
Apple Card
No annual fee · 2% on everything else · no foreign transaction fees
Earn rates · how we got this
| 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? · how we got this
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.
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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.