Apple Card Review [2026]: The Cashback Card for Apple Lovers

Card basics

Is the Apple Card a good option for you?

The Apple Card is really built for people who use Apple products exclusively. If you use your iPhone for everything, the Apple Card might make a lot of sense.

Though not all of its features are groundbreaking, it consolidates several nice-to-have perks on your phone. One of the biggest draws is the ability to use the card with Apple Pay from your iPhone, earning Daily Cash, and other features exclusive to Apple users.

If you like to keep your rewards-earning simple, the Apple Card could be good. You'll earn a percentage of your purchase back in Daily Cash. It's called that because it's loaded into your account daily. Just know that often, when you prioritize simplicity in a rewards structure, you could be giving up some potential value compared to cards with more complex, but ultimately rewarding, rates.

If you're a fan of metal credit cards and security, you may also be intrigued by the Apple Card. You can opt for a titanium card, which is unique because it has no credit card number, expiration date, or security code, helping protect your account info.

No late fees or penalty APRs may be another reason to choose the Apple Card. But if you miss a payment, additional interest will accrue on your balance. And for the sake of your financial health, it's not a good idea to carry a balance if you can help it, anyway.

Apple Card benefits and perks

• Tiered rewards for Apple products and services: Cardholders will earn 3% cash back on Apple purchases and when you use Apple Pay for purchases from select partners, 2% on other purchases made with Apple Pay, and 1% cash back on everything else.
• Cashback rewards you can use immediately: As you spend on your Apple Card, you'll earn Daily Cash, which is added to your account every day. There's no minimum rewards amount needed before you can use your Daily Cash.
• Integrated with the Wallet app: For most cardholders, you'll use your card within the Wallet App the majority of the time. You even apply for the card with the Wallet App. If approved, your card will be loaded almost immediately and can be used via Apple Pay.
• A new take on security: Apple takes security to a whole new level with the Apple Card. This includes a unique device number created for your iPhone that's completely secured. Purchases require your device number along with a one-time security code that's generated when you authorize a purchase, and Face ID or Touch ID are used to authorize purchases.
• Extra features such as budgeting and map tools: The Apple Card tracks spending using categories and color-coding, which allow you to easily see where your money is going. Review weekly and monthly breakdowns of spending to make sure you're staying in budget. Don't recognize a transaction? The Apple Card uses maps to pinpoint store locations, so there are no surprises.
• Easy to apply: Applying for a card has never been easier. You can apply from within the Wallet App and find out in minutes if you're approved. There's still a credit check, but there's no waiting a week for an approval or denial letter.
• No fees (other than interest): There are no annual fees, foreign transaction fees, late fees, over-the-limit fees, or hidden fees that other card issuers like to add with the Apple Card.

Earning & redeeming rewards

Best ways to earn

Earning Daily Cash with your Apple Card is straightforward. People earn the highest cashback percentage when spending money with Apple.

Users will get 3% on Apple purchases and purchases with select partners when using Apple Pay, including Apple products, iTunes, and the App Store. You'll also get 2% back at other Apple Pay purchases. This includes services like Uber and Uber Eats as well as at places like Walgreens, Duane Reade, and T-Mobile stores.

The next highest percentage is earned when using Apple Pay to make purchases. It doesn't matter what spending category; you'll earn 1% cash back on all everything else. Using the card at retailers that don't accept Apple Pay will net you cash back.

Maximizing your redemptions

As you earn Daily Cash through spending, there are several redemption options available. Because Daily Cash translates to real cash, it has the same value no matter how you choose to redeem it.

Daily Cash can be used to make purchases in-store or online through Apple Pay. Users can also apply Daily Cash toward their Apple Card balance. Want to transfer your rewards to a bank account? You can do that, too. There's even an option to transfer money to friends or other people through iMessage.

While there's no benefit to choosing one redemption over another, the flexibility of Daily Cash makes the Apple Card a solid choice if you're looking for a versatile cashback card. Daily Cash can be used for just about anything.

FAQs

Other cards to consider

If you want another cashback option or don't heavily use Apple products, check out the Citi Double Cash^® Card. As the name suggests, you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. There's no earning cap on cashback rewards and no spending categories to track, and the Citi Double Cash Card also has a $0 annual fee. Cash back can be redeemed for statement credits or checks.

For a higher cashback reward rate, look to the Discover it^® Cash Back. Cardholders can earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Plus, Discover will match all the cash back you’ve earned at the end of your first year. There's a $0 annual fee with the Discover it Cash Back card.

Mobile-first rewards card

Apple Card

4.2

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Apple Card

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Current Offer

Earn up to 3% cash back on eligible purchases

Annual Fee

$0

Rewards Rate

3% cash back on Apple purchases and when you use Apple Pay for purchases from select partners, 2% on other purchases made with Apple Pay, and 1% cash back on everything else

Benefits and Drawbacks

Benefits

• Elevated and unlimited cash back on all Apple purchases and some Apple Pay purchases
• No annual fee
• Foreign transaction fee: None
• Improved security compared to traditional credit cards

Drawbacks

• Limited redemption methods
• Low base earning rate
• No 0% intro APR offers for new purchases or balance transfers
• No welcome offer

Card Details

• Earn up to 3% cash back on eligible purchases
• 3% cash back on Apple purchases and when you use Apple Pay for purchases from select partners, 2% on other purchases made with Apple Pay, and 1% cash back on everything else