Who it's for
Cash backNo annual fee
Apple Card
Best for users deep in the Apple ecosystem who already use Apple Pay everywhere. The 2% via Apple Pay matches Wells Fargo Active Cash with the same $0 fee — but the catch is you must remember to use Apple Pay. Physical card swipes only earn 1%.
$630/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1.7x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- Moving from Goldman Sachs to Chase (announced Jan 2026, about 24 months); rewards unchanged during the transition
- 3% Daily Cash on purchases made directly with Apple (Apple.com, App Store, iTunes, Apple services)
- 3% Daily Cash at select merchants when using Apple Pay (Uber/Uber Eats, Walgreens/Duane Reade, Nike, Panera, Exxon Mobil, T-Mobile, Ace Hardware)
- 2% Daily Cash on all other purchases when using Apple Pay
- 1% on physical card or any non-Apple Pay purchases
- Cash back deposited daily to Apple Cash, no minimum redemption
- No annual fee, no foreign transaction fees
- Titanium card design, no card number visible
- Integrated into Wallet app with spending tracking and category analytics
- Optional Apple Cash Family for under-18s
Similar cards
- Wells Fargo Active CashNo annual fee$1,159est. value/yr
- Amazon Prime VisaNo annual fee$799est. value/yr
- Amex Blue Cash EverydayNo annual fee$1,072est. value/yr
- U.S. Bank Cash+ VisaNo annual fee$724est. value/yr
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