Chase
Apple Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus. |
| Rewards Rate | 1%-3% Cash Back |
| Regular APR | Variable APRs for Apple Card range from 17.49% to 27.74% based on creditworthiness. Rates as of January 1, 2026. |
| Other Fees | No fees. Not even hidden ones. No annual fees, no late fees, no foreign transaction fees. |
| Network | Mastercard |
About this card
The Apple Card presents a mixed bag. It excels with its fee structure, offering no annual, foreign transaction, or late fees, which is a significant advantage and contributes strongly to its appeal. The rewards program is decent, providing up to 3% cashback on Apple purchases and select merchants, and 2% on Apple Pay transactions, though the 1% base rate is less compelling. However, the APR is a major drawback, ranging from 17.49% to 27.74%, which is high and diminishes the card's overall value, especially for those who may carry a balance. Given the high APR, solid rewards, and excellent fee structure, the card is good for those who pay their balance in full each month and heavily use Apple Pay. The lack of a signup bonus is also a detractor. Considering these factors, the overall rating is a 3.1/5.0.
Pros & Cons
What's great
- No annual fee
- No foreign transaction fees
- Cashback on purchases
- Higher cashback rates on Apple and Apple Pay purchases
- No impact to credit score for pre-approval
- Instant use upon approval
Things to consider
- No sign-up bonus
- No intro APR period
- Potentially high regular APR
- Highest rewards are tied to specific payment methods/merchants
What this card offers
Rewards
- 3% On everything you buy from Apple and at select merchants like Nike and Walgreens when you use Apple Card with Apple Pay.
- 2% Every time you pay with Apple Card using Apple Pay.
- 1% On all purchases where Apple Pay isn’t accepted.
Other features
- See if you’re approved with no impact to your credit score.
- Apply in as little as a minute and see your credit limit and interest rate offer — all without impacting your credit score.
- Apply now and use right away.
- Unlimited Daily Cash back.
- Real cash you can use right away.
- Helps you pay less interest.
- Choose any amount you wish to pay, and watch Apple Card estimate the interest cost for you. In real-time.
- Your data isn’t sold to third parties for marketing or advertising.
- For apps and websites that don’t yet take Apple Pay, there’s a virtual card number in the Wallet app.
- And Mastercard is our global payment network, so you can use Apple Card all over the world.
Additional Notes
Late or missed payments will result in additional interest accumulating toward your balance. Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score. Subject to credit approval.