Rewards rate
1% - 3%
Cash back
Annual fee
$0

Additional rates & fees

Annual fee: $0

Intro purchase APR: N/A

Regular purchase APR: 18.24% - 28.49%* Variable

Intro balance transfer APR: N/A

Regular balance transfer APR: N/A

Cash advance APR: N/A

Cash advance fee: N/A

Late fee: $0

Penalty APR: N/A

Balance transfer fee: N/A

Foreign transaction fee: $0

Return payment fee: $0

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.

Card details

Approval Odds are statements and determinations by Credit Karma and not those of Goldman Sachs Bank USA.
No fees. No annual fees, foreign transaction fees, late fees, or any other fees.¹
See if you're approved with no impact to your credit score.²
Created by Apple and built for iPhone. Designed to be private and secure.
Apple Card will not sell your data to anyone for any purpose.
Apple Card Family allows you to share the benefits with anyone you call family.³
Lives in the Wallet app on your iPhone. So contactless payments with Apple Pay are built right in.
Apple-designed, laser-etched titanium card that is accepted all over the world with the Mastercard payment network.
Unlimited Daily Cash back on every purchase that you get back on every purchase, every day.
3% back on anything you buy from Apple, and at select merchants like Uber, Nike, Walgreens and more when you use Apple Card with Apple Pay.⁴
2% back when you use Apple Card with Apple Pay. Apple Pay is accepted at over 85% of retail locations in the U.S.
Estimates your interest in real time right in the Wallet app, so you'll always know exactly how much you owe.⁵
Variable APRs for Apple Card range from 18.24% to 28.49% based on creditworthiness. Rates as of January 1, 2025. Existing customers can view their variable APR in the Wallet app or card.apple.com.
Apply in minutes and see your credit limit and interest rate offer - all without impacting your credit score.
To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.