# Apple Card

> Earn up to 3% at Apple and Uber and Walgreens and Duane Reade and Nike and T-Mobile and Panera and Exxon and Mobil. No annual fee.

Canonical page: https://cardstack.money/cards/apple-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Goldman Sachs
- Network: Mastercard
- Annual fee: $0
- Rewards program: Daily Cash

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | General | Apple +8 |
| 1x | All other purchases | Base earn rate |

## Other benefits

- **Daily Cash**: 1% on purchases made with the titanium card or virtual card number where Apple Pay is not used, 2% when you use Apple Card with Apple Pay, and 3% at Apple and eligible Apple Pay purchases at select merchants; limitations apply.
- **No Fees**: No annual, late, foreign transaction, or over-the-limit fees; interest may still accrue on carried balances.
- **Apple Card Monthly Installments**: Eligible Apple purchases can be paid over time at 0% APR with Apple Card Monthly Installments; product, carrier, and checkout eligibility rules apply.
- **Apple Card Family**: Share an account with Co-Owners or Participants in the same Family Sharing group; credit reporting, visibility, and liability terms apply.
- **Savings for Daily Cash**: You can route Daily Cash into a Savings account offered by Goldman Sachs Bank USA if eligible; availability and transfer limits apply.


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CardStack is an iOS app that automatically tracks your credit card statement credits, benefits, and points so they never expire unused. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863