What does the Apple Card earn?

The Apple Card earns 3x on Apple, 2x on Apple Pay, plus 1x on everything else.

Is the Apple Card worth the annual fee?

The Apple Card has no annual fee, so there's no cost to keep it.

What credit score do I need for the Apple Card?

You typically need a 660+ credit score to qualify for the Apple Card.

Offer verified September 14, 2026Source: Goldman Sachs official terms

Goldman Sachs · Mastercard

Apple Card

Name: Apple Card
Brand: Goldman Sachs

Annual Fee

Sign-Up Bonus

N/A

Base Rate

on everything

Best For

Apple Ecosystem Users

Reward Categories

Apple

Apple purchases

Apple Pay

Apple Pay transactions

Everything else1x

Key Benefits

Perks (not counted in our math)

Daily Cash (instant)

No fees ever

Pros & Cons

Pros

+ 3% at Apple
+ 2% everywhere with Apple Pay
+ No fees of any kind
+ Clean app experience

Cons

- Only 1% without Apple Pay
- No signup bonus
- Limited benefits

Rates and fees may vary.See current rates, fees, and terms on Goldman Sachs's site

Apply on issuer site — Apple Card

Recommended credit score: 660+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.