Apple Card
No annual fee. Purchase APR 17.49–28.49%.
- Annual fee
- CFPB credit card survey, Dec 2025CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pageapple.com
“No annual, over-the-limit, foreign-transaction, or late fees.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 2x when you use Apple Card with Apple Pay.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 35% of the 44 cards on our Cash back list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Apple Card Daily Cash
- 2%when you use Apple Card with Apple Pay
- 3%at Apple
- 3%at select merchants when you use Apple Pay
- 1%Everything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Issuer's pageapple.com “No points to calculate.” |
| Foreign transactions | Issuer's pageapple.com “No annual, over-the-limit, foreign-transaction, or late fees.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Get 2% in Booking.com Travel Credits on eligible stays and car rentals booked with Apple Card through the Apple Card customer Booking.com portal and fulfilled by Booking.com.
- Redeem a six-month free trial of Uber One when you use the provided link to sign up with your Apple Card using Apple Pay.
- Hertz rental car benefits include at least 5% off Pay Later base rates, free emergency roadside service, discounted loss damage waiver vehicle protection, and a free additional driver at pickup.
- Apple Card Monthly Installments allow interest-free monthly payments on eligible Apple purchases, including Mac, iPhone, iPad, and Apple Watch.
- Apple Card has no annual, over-the-limit, foreign-transaction, or late fees.
- Daily Cash can be automatically deposited to Apple Cash or routed to a Savings account through Apple Card.
- Apple Card is accepted worldwide on the Mastercard network.
- Roadside
Questions
- What is the annual fee?
- $0 CFPB credit card survey, Dec 2025, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- No. apple.com, since Sep 29, 2026
- What is the purchase APR?
- 17.49–28.49% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$410 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$350 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$325 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).